A webinar on how Video KYC is all the more important in a world where the business of finance has to adapt to become personal while physically distancing themselves from the consumer. Jointly presented by HyperVerge with Microsoft. Webinar Outline: 1. RBI regulations and interpretations 2. Ideal Video KYC workflow 3. Nuances of the Video KYC system 4. Video KYC as an enabler of business continuity

1. Business Continuity
and Video KYC
&

2. In the current context, Video KYC
becomes all the more important in the push towards
presenceless and paperless banking

3. Type of
KYC
Different KYCs (PAN compulsory for
all methods)
Documents Supported
Physical
Presence
Biometric based Aadhaar eKYC (only
for Banks)
● Proof of Possession of Aadhaar
Digital KYC
● All classical OVDs & Digital Docs (equivalent
e-documents)
● Digital photo of User & Agent
Certified OVD (OSV)
● All classical OVDs
● Photograph
CKYC (fetched from Central KYC
Registry)
● Fetched with PAN & basic details.
Remote
OTP based Aadhaar eKYC (only for
Banks)
● Proof of Possession of Aadhaar
Video Call based KYC
● Proof of Possession of Aadhaar (for Banks)
● Offline Aadhaar Verification(XML or Secure QR)
● Digital Photo
The KYC Landscape with V-KYC

4. Product Vision
Customer Experience
Fraud
Prevention
100% Compliance
RE Official
Throughput

5. 5
• Consent from customer
• PAN verification
• Aadhaar XML or
Aadhaar eKYC
• Other (fraud) checks
✔ Name match
✔ DOB match
✔ Address match
Pre Qualification of User
• Live vs Scheduled
• Queuing mechanism
• Selection of slots
Scheduling of Call
• Permission checks
• Geo tagging in India
• Capture PAN & Image
• Automated AI powered
checks
✔ Face Match
✔ PAN match
✔ Liveness
• Randomised OTP
Video Conference Call
• AI Match Scores
• Video Recording
• Event Logs
Audit
HyperVerge driven Video-KYC
1 2 3 4

6. Agent should ask a
random question to
prevent frauds.
Customer location
should be India
There must be end to
end encryption
PAN to be verified with NSDL
database and face to be
matched with face on ID.
Agent must take image of
PAN and face of customer
during video call
Audit logs needs to be
maintained. System must
concurrent audit.
Must be a video call and
originate from RE’s domain
Only Aadhaar must be used as
OVD; Aadhaar XML should be
<3 days old
Compliance

7. Seamless
Minimal Turnaround time w/o
feeling rushed
Flexible
Options for On-demand &
Scheduled Call
Accessible
Universally usable and
accessible UI
Automated
AI enabled checks and
digitization
Device agnostic
Designed and optimised for all
kinds of mobile devices
Customer Experience

8. Customer Experience

9. RE Official throughput
Before the call
1. All checks done pre video call
to qualify users
2. Smart scheduler to manage
traffic
During the call
1. AI assisted OCR & face match
to reduce decision making time
2. OTP for minimal cognitive load
HyperVerge flow enables very high throughput by optimizing the
time spent per RE Official

10. 10
RE Official throughput
Regular Video KYC
60/day
Manual KYC AI Enabled Video KYC
200/day2/day

11. Fraud Prevention
AI based checks to eliminate
any fraud
Event Data logging &
Analytics support for audit
team
OTP check can be enabled for
RE Official

12. FACE RECOGNITION
Face Verification
On LFW Dataset
PARAMETERS
Precision
COMPARISON SUMMARY
99.51%
99.70
98.33%
99.39
90.32%
99.95
Of Technology Modules to Build Comprehensive Solution
Liveness Detection Yes No No
Face template
Data footprint per template
5kb Full Image
Upload
Full Image
Upload
Recall 99.33 97.63 80.86

13. HYPERVERGE PROPRIETARY
INFORMATION
> HyperVerge Smart
scheduler optimises for
high throughput &
minimizes customer
drop offs
> Verify PAN with NSDL
> Assisted Aadhaar XML
> Other checks
- name, address
- XML signature
> Only qualified users
> Simple OTP based
randomisation.
> AI driven OCR,
Liveness, Facematch
> Near real-time
verification with
concurrent audit
compliant green
channel flow
<5 min.
The HyperVerge V-KYC workflow
2. Scheduler1.Pre-Qualifier 3. Video Call 4. Audit
Realities and Challenges
Network Connectivity | Aadhaar and phone number not linked | Smartphone for VC

14. We have crafted our features to achieve a mean Video KYC time of 2 minutes so that a single
agent can easily achieve 200 per day, even if there are disruptions to his routine.
100% Compliant with
RBI Regulations
High operational
efficiency
Highly accurate
99% and above
Lower customer
drop-offs
Plug & Play solution
Easy to integrate
Supports multiple
platforms
HyperVerge Video KYC

15. www.hyperverge.co
contact@hyperverge.co | +91-9789859748
We’d love to answer your questions!

16. Tomorrow’s AI.
Delivered Today.
Before we close..
In 2018, the Supreme Court of India stopped
private entities from using Aadhaar KYC, and
with 10 million customer on-boardings per
month, Jio was left in the lurch.
They evaluated every KYC vendor in the market,
but chose us because they felt that HyperVerge
can deliver in the long term and we did. In fact
Jio increased their customer on-boarding rate
compared to Aadhaar eKYC.

17. 17
280 Million
KYC checks in 2019!
Proven at Scale | High performance AI Modules | Works in low-bandwidth

18. 18
INDIA CLIENTELE