Skip to main content Overview The Onfido Identity Verification (IDV) connector integrates Onfido’s identity verification services into financial institutions’ banking software, providing comprehensive identity verification capabilities powered by AI and machine learning.
This connector is available on Backbase Marketplace and integrates with Backbase Engagement Banking Platform out of the box. You can obtain an Onfido contract directly through Backbase for faster time-to-market.
Onfido offers predefined, compliant workflow templates and allows compliance management teams to customize or build their own workflows through the Onfido Studio no-code workflow management tool.
Key Benefits
Reduced manual intervention : Automation of key steps in the identity verification process improves efficiencyImproved security : Leverage Onfido’s security measures to protect sensitive user dataEnhanced user experience : Smooth and user-friendly verification for applicantsRegulatory compliance : Meet local KYC and AML requirementsSimplified integration : Pre-configured interaction paths with clearly defined endpoints
Features The connector supports the following steps as part of a typical workflow:
1. Document Capture
Users take photos of government-issued ID (passport, driver’s license)
Smart Capture SDK provides real-time feedback
Guidance to ensure high-quality images and reduce errors (blur, glare)
2. Data Extraction
OCR technology extracts personal information from documents
Auto-fills sign-up forms for accuracy and convenience
Eliminates manual data entry errors
3. Biometric Verification
Users provide facial biometric (selfie or short video)
System compares facial data with ID photo
Confirms ID is presented by rightful owner
4. Data Verification (Optional)
Validates extracted data against trusted global data sources
Cross-references with databases:
Voter registers
Credit records
Utility databases
Supports KYC and AML compliance requirements
5. Fraud Detection
Analyzes fraud signals throughout the process:
Device integrity
Geolocation
Document authenticity
Atlas™ AI powered by millions of global document verifications
Delivers fast and accurate fraud detection results
Provide Instant Identity Verification Decision Onfido’s process provides instant decisions based on completed tasks and predefined logic:
1. Data Validation
Cross-reference information with reliable data sources
Ensure accuracy and authenticity
2. Identity Verification
Assess genuineness of identification documents
Match user’s selfie with ID photo to confirm identity
3. Risk Assessment (Optional)
Screen against watchlists:
Politically Exposed Persons (PEPs)
Sanctions lists
Evaluate potential risks
4. Decision Making
Based on verification results and risk assessments:
Approve : All checks satisfactoryDecline : Discrepancies or risks identifiedRequest additional documentation : Information insufficient or unclearManual review : Cases requiring human expert assessment for fair and accurate decisions
5. Comprehensive Decision Report
Detailed report includes:
Decision factors that influenced the outcome
Actual result of the decision-making process
Comprehensive reasoning for the decision
Workflow Example A typical IDV process flow:
Bank customer uploads government-issued ID photo
Customer takes selfie or records short video
Onfido system compares selfie/video with ID photo
System validates data and assesses risk
Instant decision provided with detailed report
Verification Types Document Verification Supported government-issued IDs:
Passports
Driver’s licenses
National identity cards
Residence permits
Biometric Verification
Facial comparison with document photo
Liveness detection to prevent spoofing
Video or selfie capture
Age verification capabilities
Use Cases Customer Onboarding Streamline new customer onboarding with automated identity verification, reducing time-to-activation.
KYC Compliance Meet Know Your Customer regulatory requirements with comprehensive identity verification and data validation.
AML Compliance Screen against watchlists and sanctions lists to meet Anti-Money Laundering requirements.
Account Opening Verify customer identity during account opening processes for any account type.
Loan Origination Confirm applicant identity during loan application processes.
High-Risk Transactions Implement step-up verification for high-value or sensitive transactions.
Supported Operations Through the Grand Central Unified API Specification:
Create verification workflow for applicants
Upload and verify identity documents
Capture and verify facial biometrics
Extract data from documents using OCR
Validate data against global sources
Screen against PEP and sanctions lists
Retrieve instant verification decisions
Access comprehensive decision reports
Query verification status and history
Configuration Configure your Onfido connector through the Grand Central platform:
API credentials and authentication
Workflow templates (predefined or custom via Onfido Studio)
Document types and regional requirements
Verification checks and thresholds
Webhook configuration for status updates
Data retention and privacy settings
Integration Benefits
Faster Time-to-Market : Out-of-the-box integration with Backbase platformReduced Manual Processing : Automated verification reduces operational costsImproved Accuracy : AI-powered verification minimizes human errorEnhanced Security : Multi-layered fraud detection protects against identity theftBetter User Experience : Mobile-friendly, guided capture processRegulatory Compliance : Meet KYC/AML requirements with confidenceGlobal Coverage : Support for 195+ countries and multiple document typesFlexible Workflows : Customize verification logic with Onfido StudioInstant Decisions : Real-time verification results for faster onboardingComprehensive Reporting : Detailed decision reports for audit trailsScalable Solution : Handle high-volume verification with AI efficiencyBIAN Compliance : Standardized identity verification interactions 