Embrace the best in digital ID technology for your business and compliance needs.
CTOS eKYC is a fast, easy and secure way to verify your new customers remotely. With the latest technology in Digital ID Verification, CTOS eKYC provides a seamless customer onboarding experience while adhering to the highest standards in regulatory compliance. It is fully customizable to cater to your business needs.
Our solution will pave the way to effortlessly digitize your customer onboarding and help you adapt to the New Normal.
What makes CTOS eKYC the best in the market?
Our solution adheres to the highest standards in regulatory compliance
A unique 4-layer authentication process for added security
Additional security features including landmark checks and hologram detection
Benefits to your business
Ensure compliance with regulatory policies
Improve quality of customer service
Enabling frictionless onboarding
Improve operational efficiency and scalability
Seamless integration process
Customisable to your needs
Reach new market segments more easily
Reduce decision-making time
How it works
Our 4-layer authentication process ensures thorough digital identity verification of applicants in an efficient, reliable and consistent manner.
ID Document Verification
A government-issued identification document is scanned and verified
MyKad Landmark Check
Certain checks are conducted by the system’s AI programming to determine the authenticity of the document. For instance, MyKad (NRIC) documents will be scanned for a number of distinguishing landmarks and feature sets.
Optical Character Recognition (OCR) Image Extraction
A facial image is scanned and captured from an official identification document, such as MyKad (NRIC). The type of document is determined by the system, and the image of the applicant is extracted from the document, along with the name, IC number, address and other details.
Facial Recognition
A facial image is extracted from the document and matched against a new, real-life captured image of the applicant.
Facial Recognition
A new picture is taken of the ‘live’ person and matched against the one taken from the government-issued identification document. This is done to ensure that an actual person is undergoing the verification process. A total of 106 facial markers (or landmarks) are used to ensure that the captured image of the person matches the picture in the official document.
Live Motion Detection
There’s also an option for live motion, which will require the applicant to blink, smile, nod their head and more to determine that there is a real person present at the time of verification.
Bureau File Verification
Information extracted from an official identification document is checked against existing CTOS data for mismatches.
Information extracted from an official identification document is checked against existing CTOS data for mismatches, namely MyKad (NRIC) number, name and known addresses.
The information used as reference comes from the CTOS database, CCRIS live data and CCM (SSM) data.
Knowledge-Based Authentication
A facial image is extracted from the document and matched against a new, real-life captured image of the applicant.
Security Questions
A series of dynamic questions are presented, which will be generated based on the applicant’s actual credit file information and active CCRIS facilities.
Answer Verification
Responses from the applicant are checked against known answers to confirm the identity of the person.
Examples of questions that may be asked are “Do you have a car loan with ABC bank?” or “Do you have a PTPTN study loan?”
Watch the video to learn more
Ready to get started?
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