The challenge
Loan applicants abandoned journeys while waiting for physical KYC or couriered documents. Operations juggled incomplete files; compliance needed stronger AML evidence than selfie uploads. Leadership wanted digital speed without weakening V-CIP controls.
The approach
Visive deployed Video KYC in agent-assisted mode first, then expanded automated checks where risk scores allowed. Customers launched sessions from the loan app; the platform handled document OCR, passive and active liveness, face match, geo-tagging, and encrypted recording.
Integrations pushed decisions and evidence references into the loan origination system. Compliance configured retention and export formats aligned to internal policy and RBI expectations for V-CIP.
The results
Median verification time fell from multiple days to under three minutes per successful session. First-pass success exceeded 95%, cutting repeat visits and support load. Fraud attempts involving spoofed faces or altered documents were flagged in-session with reviewable clips.
We stopped treating KYC as a backlog. It became a live conversation our customers finish before they lose intent.
What we used
- Visive Video KYC (RBI V-CIP configuration)
- Liveness, face match, and document OCR
- Webhook integration to LOS
- AES-256 encrypted media and audit exports
- Optional path to offline eKYC with face matching