Identification

Once the package has been selected with the optional debit card, the customer can move to the next step where they give information about their identity. The data is collected in multiple ways allowing the user to choose the method. The data is collected from a document or Open Banking or Near Field Communication to ensure that the user is part of the right audience with a valid citizenship. The data collected is mandatory due to regulatory laws for contracting a loan or any financial product.

The screen displays the following list of options between which the user must choose:

• Scan ID (it is the recommended option by the system. It can scan an personal identification card, driver's license and passport. See Computer Vision, Face recognition and Liveness for details.)
• Use Open Banking (allow the system to pull data from another bank where the potential customer has an account opened.)
• Use NFC (it allows the potential customer to use Near Field Communication by approaching their ID card to the phone).

From the list, the user must select one of the three options offered by FintechOS Portal as instructed Please select an identification method from the ones below.

There are three business statuses for this step:

Field	Description
OCR launched	After the user selects the OCR method, the status is set.
OCR passed	After the automation processor approves the customer.
OCR failed	After the fifth attempt to scan the document is failed.

Scanning an Identity Document

The supported ID documents are:

• national identity card
• passport
• driver's license (for United Kingdom citizens only)

Scanning a document

1. Click Take the photo.

   

2. Click Process the file.

If the photo is successful, then the customer is directed to the next step. If it fails, then the customer has 1000 tries.

Open Banking

FintechOS is able to pull data from an external database (another commercial bank where the customer has an account opened). This is possible through the legal framework of the Payment Services Directive 2. It's a European Union directive designed to regulate better payments services.

NFC

Near field communication transmits data through electromagnetic radio fields to enable two devices to communicate with each other. Approach your ID card to the phone with the NFC toggled On.