7.1 Account Opening (Digital Onboarding)

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The Primary Use Case

Digital account opening is the highest-volume use case for face liveness verification in banking. It represents 80%+ of all liveness verification transactions.

Complete Flow

graph TD
    A["Customer downloads<br>banking app"] --> B["Selects 'Open Account'"]
    B --> C["Enters basic info<br>(name, phone, email)"]
    C --> D["OTP verification<br>(phone/email)"]
    D --> E["Document capture<br>(ID front + back)"]
    E --> F["Document verification<br>& OCR extraction"]
    F --> G["FACE LIVENESS<br>VERIFICATION"]
    G --> H["Face matching<br>(live face vs document photo)"]
    H --> I["PEP/Sanctions<br>screening"]
    I --> J{"Risk Decision"}
    J -->|"Auto-approve"| K["Account activated<br>(2-5 minutes total)"]
    J -->|"Review"| L["Manual review<br>(24-48 hours)"]
    J -->|"Reject"| M["Application declined"]

Liveness Configuration for Onboarding

Parameter	Recommended Setting	Rationale
Method	Hybrid (passive-first)	Balance UX with security
Passive threshold (auto-pass)	≥ 0.88	80% of users pass without active challenge
Active challenge (if needed)	1-2 challenges (head turn + smile)	Minimal friction for uncertain cases
Max attempts	3	Prevent brute-force while accommodating genuine failures
Session timeout	5 minutes	Enough time without leaving session open for exploitation
Deepfake detection	Enabled	Essential for digital channel
Device attestation	Enabled	Detect virtual cameras and rooted devices

Conversion Impact

Metric	Before Liveness (Branch)	After Liveness (Digital)	Improvement
Completion rate	45%	82%	+82%
Time to open	3-5 days	4-8 minutes	99% reduction
Cost per account	$25-50	$0.50-2.00	95% reduction
Geographic reach	Branch footprint	Nationwide	Unlimited
Fraud rate	0.3%	0.05%	83% reduction

Next: Transaction Authentication →