Namirial Onboarding is a comprehensive digital customer acquisition platform designed to streamline and secure the onboarding process for businesses operating in regulated sectors. The solution enables organizations to efficiently verify customer identities, collect data, manage electronic signatures, and ensure full regulatory compliance—all within a seamless digital experience.
The platform focuses on delivering measurable outcomes:
- Maximize Onboarding Completion Rate: Increase the percentage of users who complete the entire onboarding flow
- Minimize Drop-off: Identify and eliminate friction points where users abandon the process
- Decrease Onboarding Time: Reduce the mean time required to finalize all onboarding stages
- Increase User Confidence: Accelerate time-to-first-value for new users
- Promote Automation: Maximize the percentage of onboardings that complete without human intervention
Namirial Onboarding serves regulated industries requiring high standards of identity assurance:
- Financial Institutions (Banks, Insurance Companies, Fintechs)
- Telecommunications Companies
- Utility Providers (Energy, Water, Gas)
- Public Administration and Government Bodies
- Large Corporations (various sectors)
- Healthcare Providers
The platform delivers on key customer priorities:
- Simplicity & Ease of Use: Excellent user experience
- Security & Compliance: Reliability and peace of mind
- Speed & Efficiency: Rapid time to value
- Reliability & Availability: Zero downtime and robustness
- Sustainability: Reduced environmental impact
Namirial Onboarding features a modular architecture that orchestrates multi-step journeys encompassing identification, data collection, and electronic signing. The platform manages data produced across all steps and provides a back office for teams to review requests, configure processes, and edit data where permitted.
Orchestration & Integration
The orchestration layer acts as the conductor of digital customer acquisition, connecting eKYC, signatures, document flows, and compliance requirements (AML, GDPR, eIDAS) to automate multi-step journeys end-to-end. This integration reduces hand-offs, minimizes friction, ensures consistent cross-country compliance, and accelerates time-to-value.
Identity Modules
ID HUB: Central identity layer that abstracts identity providers and eID schemes. Routes requests, enforces policies, and aggregates results for a unified compliance view. Configurable per country and customer segment.
ID DOC: Automated document verification with capture, OCR/AI extraction, and fraud/tamper analysis for identity documents (passports, ID cards, driver's licenses). Produces detailed evidence for audit trails.
ID SELF: Self-service verification combining selfie-with-ID and liveness detection. Compares facial biometrics with document photos and flags cases requiring manual review when necessary.
Data Intelligence Layer
The Data Intelligence layer comprises DATA HUB and DOC Processor, which together unify, validate, enrich, and score data from forms, identity documents, uploaded files, and external sources.
DATA HUB: Authoritative data store and routing engine for verified onboarding data. Synchronizes with AML and enterprise systems, ensuring data consistency and instant availability to sales, operations, and compliance teams.
Rules Engine: Configurable decisioning engine that operates on unified data. Enables dynamic routing, enhanced due diligence for high-risk profiles, auto-approval for low-risk cases, and rule adaptation without code changes.
DOC Processor: LLM/VLM-powered extraction technology that goes beyond traditional OCR. Processes complex documents including invoices, payslips, tax notices, bank statements, and business registrations (KBIS). Supports PDF, JPEG, and PNG formats (1-2 pages, ≤20MB) and returns structured JSON data. Available in FR, EN, DE, IT, and ES.
- Define multi-step flows with branching and conditional rules
- Reorder and activate steps with ease
- Pause and resume incomplete sessions
- Video identification, document verification, selfie-with-ID
- Biometric authentication with real-time liveness checks
- Support for multiple verification methods and providers
- Simple Electronic Signature (SES), Advanced Electronic Signature (AES), and Qualified Electronic Signature (QES) per eIDAS regulation
- OTP delivery via SMS, email, or app
- Integrity verification and non-repudiation guarantees
- Rich field types with validation and prefill capabilities
- File upload functionality
- Multi-page and multi-section data enrichment flows
- KYC, AML, GDPR, and eIDAS controls
- Immutable audit trail for all operations
- Comprehensive compliance reporting
- Configurable data anonymization and retention policies
- RESTful APIs for programmatic workflow management
- Secure webhooks for real-time status updates
- Integration with CRM, core banking, ERP, and third-party systems
- Back office UI for request creation and management
- Responsive, guided user interface
- Multi-language support
- Clear error messaging
- Configurable visual themes with logos and brand colors
- Configure workflows and user access
- Dashboards tracking completion rates, drop-off points, SLAs, and compliance metrics
- Request management and review capabilities
Namirial Onboarding can be accessed via:
- RESTful APIs: Primary integration method enabling any service capable of calling RESTful APIs to create and manage onboarding requests
- Back Office UI: Web-based administration interface for request creation, configuration management, and operational oversight
The platform's API-first design ensures seamless integration with existing enterprise systems while providing the flexibility to adapt to specific business requirements and regional compliance needs.