Connect identity document capture, application reviews, digital agreements and supporting evidence across retail and commercial banking journeys.
A lending application brings together borrowers, guarantors, company documents and several internal teams. A missing record or uncertain reading can send the file back to the beginning.
The proposed connected journey keeps the source document, review responsibility and next action visible. Start with supported ID Secure capture, then agree the additional services needed for the bank.
Challenge Each participant supplies identity and supporting records separately.
Proposed workflow Capture supported identity documents and plan source-linked application review.
Expected benefit Give staff a clearer view of outstanding readings.
Challenge Financial statements and company records arrive in different formats.
Proposed workflow Organize the application pack, company evidence and review history.
Expected benefit Reduce repeated requests for the same document.
Challenge Borrowers, guarantors and bank signatories act at different times.
Proposed workflow Plan signing order, approval responsibilities and completion evidence.
Expected benefit Make the next participant and outstanding action visible.
Challenge A letter may circulate after it has expired or been replaced.
Proposed workflow Provide agreed issuer references and current status for authorized checking.
Expected benefit Help recipients distinguish a current record from a superseded one.
Challenge A registration certificate does not establish who may act for a company.
Proposed workflow Review ownership declarations and signing authority alongside company information.
Expected benefit Support an accountable business acceptance review.
Challenge Reviewers need the context behind a completed transaction.
Proposed workflow Retain application, agreement and decision-supporting records with controlled access.
Expected benefit Find the relevant record without searching scattered attachments.
Start with a defined use case. Confirm availability, supported scope and acceptance criteria for each product.
Capture supported identity documents and plan source-linked application review.
Use case: Borrower and guarantor onboardingCapture supported identity documents and plan source-linked application review.
Use case: Borrower and guarantor onboardingOrganize the application pack, company evidence and review history.
Use case: Commercial lending documentationOrganize the application pack, company evidence and review history.
Use case: Commercial lending documentationPlan signing order, approval responsibilities and completion evidence.
Use case: Agreements and approvalsProvide agreed issuer references and current status for authorized checking.
Use case: Bank-issued document verificationThis illustrates the intended portfolio journey. Only supported ID Secure capture is available for evaluation today; the connected stages require agreed development and validation.
Give staff a clearer view of outstanding readings.
Reduce repeated requests for the same document.
Make the next participant and outstanding action visible.
Help recipients distinguish a current record from a superseded one.
Qualitative objectives for evaluation, not measured performance claims.
An entrepreneur brings identity and company records. A proposed review workspace separates missing information from items awaiting bank approval.
An Indian commercial banking team reviews the final agreement, checks the intended signatories and plans how completion evidence will be retained.
Design the banking and finance workflow around its records, users and responsibilities.
Explore deployment planning Explore planned Security AssuranceNo. Authorized bank staff remain responsible for customer acceptance, regulatory checks and lending decisions. Capture and document review support those responsibilities.
The proposed journey keeps each participant’s records and outstanding items distinct. Supported document profiles and application rules must be agreed in the pilot.
No live core banking integration is implied. API access, identity controls, event handling and reconciliation need to be designed and tested with the bank.
These are planned Document Verification scenarios. Issuer authorization, disclosure and expiry or withdrawal rules must be agreed before release.
No. GUARD originality detection and SHIELD fraud detectors require independent qualification. An inconclusive result is not a valid-document verdict.
Discuss your banking and finance document volumes, approval responsibilities and deployment preferences with CEBS.