Digital Cloud Infrastructure (DCI)

The DCI (Digital Cloud Infrastructure) system deals with the integration of third-party solution providers used in FintechOS. These providers are:

• OCR (Microsoft Cognitive Services) – document and Identity cards are automatically processed, and OCR data is stored and used in the FintechOS customer platform.

• Face Recognition (Microsoft Cognitive Services) – along with OCR, face comparison between ID picture and selfie picture algorithm is used to provide a confidence score and certify the identity of a person.

• Liveness detection (FaceTec) – used to certify a real person against bots/fake images. Uses the Digital Journey in the FintechOS platform. Uses an external server kit from FaceTec that sits in AKS.

• KYC AriadNext - used to perform an identity verification flow (OCR + Selfie + Liveness + ID Verification) to validate a person.

• KYC Onfido - used to perform an identity verification flow (OCR + Selfie + Liveness + ID Verification) to validate a person.

• Namirial Electronic Signature – used to digitally sign any document using a well-known digital certificate provided by a certification authority.

• CertSign Electronic Signature – used to digitally sign any document using a well-known digital certificate.

• Video Streaming (Vonage TokBox) – used for technical support, co-browsing or KYC process between client and operator via online video interview.

• SendGrid – solution used to send in an automated model transactional and campaign emails to customers.

• SendinBlue – solution used to send in an automated model transactional and campaign emails to customers.

• VonageSMS (Vonage Nexmo) - solution used to send SMS for MFA.

• Cobrowsing (Surlfy) - solution used to enable 2 users to securely surf the full web together, all from one browser tab.

• Antimalware Scan Engine - security solution that provides anti-virus protection, HTTP traffic scanning, and file and URL reputation checking for FintechOS deployments.