Customer-Centric
Every flow is designed around the end customer. No jargon, no friction, no abandoned sessions a seamless path to verified.
ONBO · Smart Customer Onboarding & Verification
Turn Strangers Into Verified Customers
An AI onboarding utility that plugs into any app or channel through a single API. Voice-guided in your customer's language. Face-verified. Document-intelligent. Built mobile-first because that's where KYC actually happens.
ONBO — Next-gen Onboarding & Verification Architecture, by Samta.ai
<60s
Automated identity checks on the happy path
Minutes
End-to-end onboarding vs 3–7 day review
ONBO AI Assistant
Online
Step 1 of 6 · Consent
Hey there! 👋 I'm your AI Assistant from ABC Bank.
🔊 Speaking aloud
I'm here to help you get started with our services — quickly, safely, and smoothly!Type a message or ask anything…
Powered by samta
Live prototype — the actual ONBO Assistant journey in its mobile skin.
Up to 80%
Less manual review via straight-through processing
20+
Government ID formats supported
Core pillars of smart onboarding & verification
Every capability built to eliminate friction, reduce fraud, and get customers verified — quickly and compliantly. Each one is callable as a standalone service.
Vernacular support voice & text in local language
The entire journey runs in the customer's own language spoken or typed. AI speech-to-text captures answers aloud; text-to-speech reads every prompt back. Add a language by configuration, opening onboarding to every customer, not just the English-comfortable ones.
Live face capture & liveness detection
Advanced biometric scanning with anti-spoofing. ONBO confirms presence, not photos blocking deepfake fraud and ensuring the person onboarding is genuinely who they claim to be.
OCR auto-fill from documents
Instantly extracts name, DOB, ID number, and address from government-issued IDs, pre-populating every field with zero manual entry with authenticity checks during upload.
Wired into the rails verification runs on
ONBO doesn't just talk to your customer in real time, it talks to the government identity systems, credit bureaus, and institutional cores that verification depends on. You get one integration; ONBO maintains the rest.
Government identity rails
- Direct verification against national identity infrastructure Aadhaar eKYC, DigiLocker document pull, PAN validation, and CKYC registry lookup so documents are confirmed at source, not just read.
Credit bureaus & credit unions
- Real-time bureau pulls (CIBIL, Experian, Equifax, CRIF) for instant credit assessment, plus standard APIs into credit-union and co-operative core systems for member onboarding.
Your core & CRM
- Verified results flow straight into core banking, loan origination, and CRM systems via webhooks no swivel chair re-entry between onboarding and the systems that act on it.
Any platform of yours
- And the other direction: your apps, portals, WhatsApp flows, and IVRs call ONBO through the same REST API, SDK, and widget shown above.
A utility that plugs into your stack, not a platform you plug into.
Platforms make you move in. ONBO moves in with you, complete KYC through one API, an SDK, or a two-line widget. Your stack stays yours.
Compliance-Native
Built for regulated industries AML, KYC, and FATF frameworks embedded from day one, not bolted on afterwards.
Scales Market by Market
One integration, expanding coverage. Document intelligence and compliance rules adapt per country each market validated before you launch in it.
Outcome-Focused
Success is measured in verified customers, conversion, and cost-per-onboarding — not technology deployed.
One verification utility. Six guided steps. Zero re-platforming.
ONBO turns the full journey consent, OTP, biometrics, documents, identity, eligibility into a single guided conversation, and hands your stack the verified result. That's the whole integration.
🎙️
01 — Consent Capture — Transparent & Compliant
The assistant greets the customer, explains the full KYC process in plain language — in their language — and captures informed consent before any data is collected.
📱
02 — Country Select & Mobile OTP
The customer picks their country; ONBO applies that market's document and compliance rules, validates their mobile number, and dispatches a one-time password instantly.
👤
03 — Live Face Capture & Liveness Check
Depth analysis, blink detection, and micro-movement tracking confirm a live person — not a photo or a deepfake.
📄
04 — Document Upload & OCR Auto-Extraction
The customer uploads any supported ID. The OCR engine reads it, validates authenticity, and auto-fills the onboarding form in seconds.
🔍
05 — Identity Verification + Credit Check
The extracted profile is cross-validated against identity bureaus with a real-time credit assessment — all within the same session.
✅
06 — Real-time verification & live offers
Identity, document, and risk checks run in real time and the moment a customer clears, products matched to their credit and risk profile appear in the same session. Every decision is confidence-scored and explainable.
Built with Powerful Technology, Designed for Simplicity
Behind the friendly assistant: an AI-native verification engine
Parallel AI verification
Identity, documents, and credit are verified simultaneously collapsing the 3–7 day manual review cycle into a single session. Days → minutes.
Accuracy you can audit
Every match is confidence-scored with the reasoning attached and our benchmark methodology is shared openly during evaluation, so you verify accuracy on your own data, not our marketing.
Onboarding becomes revenue
Pre-approved offers appear the moment verification completes in the same session, while intent is highest instead of a disconnected follow-up days later.
Your competitors are still doing KYC the old way. That's your opening.
Most institutions in your market still run onboarding on dense forms, branch visits, and back-office queues. Deploy ONBO and onboarding stops being a cost centre — it becomes the reason customers choose you over them.
You, with ONBO
AI-PoweredYOUR COMPETITORS — TRADITIONAL KYC
LegacyKey Areas
You, with ONBO
Traditional x
Speed
One continuous session checks run while the customer chats
Days of manual review, branch visits, courier trails
Experience
Voice-guided conversation zero friction, local language
Dense English-only forms high abandonment
Data entry
OCR auto-fill across every major ID format validated per market
Manual data entry error-prone
Biometrics
Live capture + liveness detection
Static photo upload easily spoofed
Data custody
Processed inside your own perimeter
PII shipped to a vendor's cloud
Drop-offs
Resume mid-flow on any channel
Abandoned applications disappear