Rebuilding digital onboarding for a regional bank

The client

A regional retail bank in the fintech & banking sector.

The challenge

Opening an account required branch visits, paper forms and manual verification. Applications took several days, drop-off was high and compliance teams spent hours re-keying data from scanned documents.

The solution

We designed a mobile-first onboarding journey with digital identity verification, automated document extraction and a rules-plus-ML risk engine. Straight-through cases are approved automatically and edge cases go to a reviewer queue with all evidence attached.

Architecture overview

• Next.js web journey and React Native app sharing one design system
• Event-driven onboarding service on Kubernetes
• Document AI pipeline for ID extraction and verification
• Risk engine combining policy rules with a gradient-boosted model
• Audit-grade event log feeding the compliance dashboard

Implementation approach

1. 1

   Discovery

   Mapped the existing journey with branch, compliance and risk teams.

2. 2

   Pilot

   Launched to one customer segment with manual review of every decision.

3. 3

   Scale

   Expanded to all retail products once accuracy targets were met.