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A neobank onboarding thousands of new users a day through its app needed identity verification that could keep up with sign-up volume without adding friction that would cause users to abandon the process midway.
The Challenge
- Sign-up volume spiked unpredictably around marketing campaigns
- Any added friction in the KYC step increased drop-off
- Verification needed to work reliably across a fully mobile-first flow
The Solution
Veriqos Technologies' PAN and Aadhaar e-KYC APIs were built into the neobank's mobile sign-up flow, verifying identity in the background while the user completes the rest of onboarding, with no separate wait step.
The Results
The neobank now handles onboarding surges without scaling up manual review, and sign-up completion rates improved once the verification step stopped feeling like a separate, slower stage.
Keeping neobank customer onboarding fast
The key design choice in this neobank customer onboarding flow was running verification in the background while the user completes other steps, instead of making them wait on a separate screen. Users experience one continuous sign-up, and the checks are finished by the time they reach the end.
Mobile-first flows also need clear handling for the cases that fail: a typing mistake in a number, a blurred photo or a temporary outage at the source. Each should lead to a simple fix or a retry rather than a dead end, because every abandoned sign-up is a customer the marketing spend has already paid for.
Watching completion rates at each step after launch shows where friction remains and which wording or retry paths need improving.
More about Neobank Customer Onboarding
To learn more about Neobank Customer Onboarding, explore our Bank Account Verification API and Penny Drop Verification API, or talk to our team. For the official source, see the Reserve Bank of India website.
