Identity Verification · KYC

FinOS eKYCRead documents, match faces and detect liveness — all in under 3 seconds, fully compliant.

AI-powered identity verification — automate ID document recognition, facial matching and liveness detection to onboard customers digitally in seconds.

Contact
CCCD · OCRVNeIDNHNNFinOS eKYCDOCUMENTVerification in progressScanning document…Document· · ·Liveness· · ·Match· · ·0% · < 3sAI LIVE
One API · four checks
Document OCRCCCD · Passport
VNeIDNational ID
Face Match> 99.5%
LivenessActive + Passive

See eKYC in action

Watch the complete digital onboarding flow from document capture to decision.

Key Features

A full digital identity stack covering document, face, liveness and risk — built for Vietnamese regulation and SEA scale.

01

AI Document OCR

  • Automated extraction from ID cards, passports, driver licenses
  • Multi-language support (Vietnamese, English)
02

Face Matching

  • Real-time selfie ↔ ID photo comparison
  • Accuracy > 99.5%
03

Liveness Detection

  • Active (challenge-response) and passive liveness
  • Anti-spoofing: photos, videos, 3D masks
04

Risk Scoring

  • Real-time risk decision per verification
  • Configurable thresholds per business rule
05

VNeID Integration

  • Direct connection to Vietnam's national ID database
  • Government-grade identity assurance
06

Audit Trail & Compliance

  • Full verification log with timestamps, images, decisions
  • Exportable for regulatory audit
Process · 7 steps

How It Works

Seven steps from initiation to webhook decision — under 3 seconds end-to-end.

Start
Capture

Initiate

User opens the app/web and starts the KYC flow.

KYC flow started

Capture ID

Capture or upload a government ID document.

ID document captured

Extract & Validate

AI extracts and validates document data.

AI extract & verify
Verify

Liveness Selfie

User takes a selfie with liveness check.

Selfie + liveness check

Face Match

AI matches face to ID photo.

Face match
Decision

Risk Score

Risk score → Pass / Refer / Fail.

Risk score: Pass/Refer/Fail

Webhook

Decision returned via webhook/API in < 3s.

Decision in < 3s
Done

Use Cases

Digital Account & Wallet Onboarding

The Challenge

Opening an account the traditional way means a branch visit, paper forms and a staff member manually checking an ID card. It takes days, abandons the majority of mobile applicants before they finish, and ties up branch teams on low-value verification instead of advisory work.

How eKYC Helps

eKYC turns onboarding into a guided, phone-only journey. The customer photographs their CCCD and takes a liveness selfie; the system extracts and validates the data, matches the face against the document, screens for fraud and makes the account-opening decision automatically — no agent, no branch, any time of day.

Business Impact
< 2 minTo open an account, versus several days through a branch
3–4×Higher application completion rate on mobile
24/7Onboarding available without staff or office hours
Independently verified security

OWASP Security Assessment Certificate

The FinOS platform — API Console, Partner Portal and eKYC Mobile SDK — has been independently penetration-tested by CMC Cyber Security against OWASP standards. This is the shared platform that runs eKYC, eSignSuite and the rest of the FinOS product line.

Assessed by
CMC Cyber Security
Standard
OWASP Security Assessment
Certificate no.
18092026/CN-CMCCS
Date of issue
18 September 2026
The certificate
English version
Vietnamese version
OWASP
Assessment scope
11
  • 01Web application survey & information gathering
  • 02Configuration & deployment management
  • 03Identity information management
  • 04Authentication mechanism
  • 05Authorization mechanism
  • 06Session management mechanism
  • 07Input data validation
  • 08Encryption mechanism
  • 09Business logic & workflow
  • 10Client-side assessment
  • 11Results reporting & remediation recommendations

Certificate valid as of the assessment date. Tested targets: API Console, Partner Portal and eKYC Mobile SDK (Android/iOS).

Frequently Asked Questions

CCCD (chip and non-chip), Passport, Driver License. Extensible on request.

Related Products

Other FinOS products that pair well with this one.

eSignSuite

Integrated digital transaction platform combining eSignature, eContract and eInvoice — full lifecycle from drafting to compliant e-invoicing under Vietnamese GDT standards.

Learn more

eCreditScore

AI-powered credit scoring engine — processes data from both traditional sources and new alternative sources proprietary to FinOS for accurate, real-time risk assessment.

Learn more

eTrust Platform

End-to-end customer journey orchestration — combine eKYC, eSignSuite, eCreditScore and more into a single trusted onboarding flow.

Learn more

Ready to implement eKYC?

Talk to our team about your integration plan — we'll respond within 1 business day.

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