Video KYC Process: Speed, Security,  Compliance in One Frame

If you’ve ever opened a bank account some years ago , you probably remember the drill—forms, signatures, and waiting in a crowded branch. Some people still carry that memory of rushing to the photocopy shop to get “two passport-size photos” before an application. What was meant to be a simple process often ate up half a day.

Fast forward to today. A lot of that legwork has disappeared, and one of the big reasons is Video KYC. Instead of paperwork, everything happens over a quick video call. No stamping, no branch visits, no waiting for a courier to pick up your forms. Just a face-to-face conversation online that doubles as a compliance check.

So, What’s Different Here?

On the surface, Video KYC looks simple. A customer connects with an agent, shows ID, and answers a few questions. But the layers underneath are what make it powerful.

Every session is encrypted, recorded, and stored securely. AI quietly runs in the background—checking whether the person on screen is real, spotting any signs of forgery, and flagging anything suspicious. At the same time, regulators like the RBI have laid out strict rules on how the process should run, which makes it trustworthy.

For the customer, it feels like just another video call. For the institution, it’s compliance and fraud prevention happening in real time.

A Walkthrough of the Video KYC Process

Here’s how a typical Video KYC journey unfolds:

1. Before the call – Systems do a quick validation of details. The right agent is lined up so the customer doesn’t wait unnecessarily.
2. Call initiation – The customer joins a secure video session. Security checks (like liveness detection) kick in before the real conversation begins.
3. The flow – The agent follows an RBI-compliant process. Every step is logged so nothing slips through the cracks.
4. Document check – Customers hold up their ID on screen. Technology verifies the document instantly while the agent confirms.
5. Completion – Once cleared, the session ends and the verified data is stored safely. All of this usually takes less than two minutes.

Why Institutions are Switching

Banks and fintechs don’t adopt a new system just because it looks modern. The move to Video KYC is happening because it solves three problems at once:

• Speed – What took days is now over in minutes.
• Fraud – With deepfake detection and AI-based liveness checks, impersonation becomes much harder.
• Costs – Less manpower, less paperwork, lower overhead.

In a competitive space like BFSI, those three things can make the difference between keeping a customer and losing them.

What Sets a Strong Video KYC Apart

Not all solutions are equal. The best ones combine compliance with flexibility. Some key traits that matter:

• Works smoothly even on low bandwidth connections.
• Let banks keep their own branding during the process.
• Integrates with existing CRMs and core banking systems without huge tech changes.
• Creates detailed audit trails for regulators.
• Sends automated reminders so customers don’t drop off midway.

These sound like small details, but together they decide whether onboarding feels seamless or clunky.

Gridlines in Context

Gridlines’ Its Video KYC solution was designed to balance two things that usually pull in opposite directions—customer experience and strict compliance.

• Speed: Complete Video KYC process in under 2 minutes, slashing onboarding delays.
• Compliance: 100% adherence to RBI and global standards—no regulatory headaches.
• Cost Efficiency: Reduces manual effort and operational costs.
• Scalability: Handles millions of daily requests, perfect for growing businesses.
• User Experience: Seamless, branded workflows boost customer satisfaction and conversions.

The Bigger Picture

KYC has always been seen as a checkbox—a necessary hurdle before the “real” customer relationship begins. Video KYC flips that idea. It turns verification into part of the customer experience: smooth, quick, and reassuring.

And that matters. Because in a digital-first world, customers don’t just want compliance. They want confidence and convenience wrapped together.