From stranger to customer in minutes, not weeks.
A digital onboarding flow that handles KYC, KYB, screening and risk in one journey. Fast enough to win the customer at the moment of interest. Rigorous enough to satisfy the regulator at the moment of examination.
Convert more. Approve safely. Without choosing between them.
Onboarding is the first test of your infrastructure. You've spent money to bring a prospect to the point of application. The question is whether you can convert them into a verified customer before the moment of interest passes.
Abandonment exceeds 50% when account opening takes more than three to five minutes. In markets where alternatives are a tap away, an onboarding flow that requires a branch visit, a callback or a multi-day verification loses the majority of the customers it starts with. But speed without rigour creates a different problem. Synthetic identity fraud passes basic document checks 95% of the time. KYC requirements, BVN and NIN in Nigeria, PhilSys in the Philippines, eKYC in Indonesia, are getting more specific and more strictly enforced.
Oradian's onboarding engine handles both dimensions simultaneously, because they are both infrastructure problems, and the same infrastructure solves them.
One engine, every journey.
Configurable journeys for every context
Multiple onboarding flows on one engine, each with its own step sequence, document requirements, verification partners and risk logic. Add a product or enter a new market by configuring a journey, not rebuilding the infrastructure.
Identity verification, document, biometric, liveness
Document capture, biometric matching and liveness detection inline in the flow, through your chosen identity partners. Real-time BVN/NIN in Nigeria, PhilSys in the Philippines, Dukcapil in Indonesia, at the architecture level, not a manual workaround.
Screening built in
Sanctions, PEP and adverse media checks run inline in the onboarding flow. Hits route automatically to your compliance team with the triggering evidence. Sensitivity and escalation thresholds are configured by you, not the vendor.
Smart routing, auto-approve and escalate
Auto-approve the cases that meet every criterion. Escalate cases that need a human. Reject cases that hit defined exclusions. Every decision has a documented rationale in the audit trail.
Audit by default
Every decision recorded with the complete evidence behind it, documents, verification results, screening outcomes, risk score, routing decision. Available to the regulator in minutes, not a week of document retrieval.
Local rules, local documentation norms
Configured for the documentation, consent language and simplified due diligence thresholds of each market, not generic flows your compliance team has to compensate for.
Where AI improves onboarding performance.
Synthetic identity detection
Rule-based document checks miss 95% of synthetic identities. AI models that analyse the relationship between documents, biometrics and behavioural signals during onboarding catch what document checks alone cannot.
Abandonment prediction and intervention
Identify applicants likely to abandon the flow, based on time per step, error rates and device behaviour, and trigger real-time interventions: simplified steps, contextual help or a follow-up from your team.
Risk-based step optimisation
Adjust the step sequence in real time based on early risk signals. Lower-risk applicants finish faster; higher-risk applicants get appropriately rigorous treatment.
Onboard customers in minutes, not days.
KYC, eligibility and account opening orchestrated through the same APIs that run your core.
See onboarding