Challenge
A digital-first bank needed to reduce account opening from days of paperwork to minutes online, without compromising security or regulatory compliance.
Digital Banking
Online Account Opening — Digital Bank
Online account opening with digital KYC, approval workflows, and core banking integration.
Project story
Online Account Opening — Digital Bank
The online account opening system is a digital banking solution that enables customers to open accounts remotely — with digital KYC, document upload, and core banking integration.
KGSM solution
• Multi-step account opening wizard with interactive guidance
• Digital identity verification (document capture, face match, mobile OTP)
• Secure document upload and officer review
• Approval workflow (officer, supervisor, core banking)
• Customer status notifications at every stage
• Management dashboard for request monitoring and SLA tracking
• Core Banking API integration for account number issuance
Technology
End-to-end encryption, secure file storage, full audit logging, high-availability architecture, and pre-launch penetration testing.
Result
Account opening moved from a multi-day branch visit to an online path with an officer inbox. Customers see status at each step; the bank measures request SLA on the same dashboard.
Services this story was built from
API development and system integrations
Gateways, core banking, and finance APIs with the transaction status on the same document.
Custom financial software
Financial software with documents, settlement, reports, and accounting links — not a nightly spreadsheet.
Laravel development
Laravel web apps with a maintainable architecture, API, and panel — built to grow for years.
The industry solution
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