CTOS eKYC

A Revolutionary AI-enhanced Digital ID Verification

Verify customer identity online efficiently and safely

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.

Step 1

ID Document
Verification

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Step 2

Facial Recognition

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Step 3

Bureau File
Verification

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Step 4

Knowledge-based
Verification

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ID Document Verification

A government-issued identification document is scanned and verified

CTOS eKYC - ID Document Verification

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.

CTOS eKYC - ID Document Verification

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.

CTOS eKYC - Facial Recognition

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.

CTOS eKYC - Facial Recognition

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.

Bureau File Verification

Information extracted from an official identification document is checked against existing CTOS data for mismatches.

CTOS eKYC - Bureau File Validation

CTOS eKYC - Bureau File Validation

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.

CTOS eKYC - Knowledge-Based Authentication

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.

CTOS eKYC - Knowledge-Based Authentication

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

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