Onboarding speed, regulatory compliance, and fraud prevention have become critical factors in shaping customer experience and business performance. As remote services take center stage, Video KYC (Know Your Customer via live video) has emerged as the preferred method for verifying users securely and efficiently—without the need for physical interaction.
But as identity fraud grows more sophisticated and privacy laws tighten, choosing the right video KYC partner is no longer a backend decision—it’s a strategic one that directly impacts trust, conversion, and compliance.
Also read : Video KYC for Insurance: Speedier Onboarding, Secure Policies
What Is Video KYC?
Video KYC is a live video-based identity verification process where users present their ID documents (like Aadhaar, PAN, or Voter ID) and complete liveness checks during a real-time video session. The Reserve Bank of India (RBI) has formally approved this method for remote onboarding of customers under its Video Customer Identification Process (V-CIP) guidelines.This process is now widely adopted across banks, NBFCs, fintechs, insurance platforms, and gig economy apps.
Evolution of Video KYC in India
- 2018–2019: Aadhaar e-KYC via OTP was standard, but privacy concerns slowed progress.
- 2020: COVID-19 accelerated adoption—RBI issued guidelines for remote video KYC.
- 2021–2023: Broad implementation began, but fraud attempts via deepfakes and poor video quality challenged trust.
- 2024–2025: RBI is easing KYC for reactivations via video for dormancy cases, while the shift toward AI-powered checks and DPDP compliance becomes mandatory.
In the News
RBI has recently eased KYC norms, allowing Video KYC (V‑CIP) for updating KYC on dormant or inoperative accounts—making remote verification accessible to all retail banking customers. Click here to know more. This makes Video KYC not just a convenience but a regulatory encouraged norm, especially in inclusive banking.
7 Things the Right Video KYC Partner Must Offer
1. Built-In RBI & DPDP Compliance
A compliant partner must support:
- RBI’s V-CIP framework
- UIDAI Aadhaar guidelines
- DPDP Act, 2023 for privacy
Look for explicit consent flows, Aadhaar masking, local data storage, role‑based access, and audit-grade logs.
Final TakeawayGridlines embeds all regulatory compliance into its APIs, ensuring every session is ready for audits.
2. AI-Powered Deepfake Detection
With fraudsters using AI-generated videos and replay attacks, robust deepfake detection is essential. Your partner should detect:
- Liveness (blinks, facial movement)
- Screen replay, mask attacks
- AI-generated or synthetic faces
Gridlines uses real-time AI to spot manipulation during live sessions, enhancing trustworthiness.
3. Aadhaar Masking Built-In
UIDAI mandates masking the first 8 digits of Aadhaar numbers. Your provider should:
- Mask Aadhaar in real-time across images/PDFs
- Ensure privacy compliance without manual steps
Gridlines treat masking as default—ensuring seamless adherence to regulations.
4. Under 2-Minute KYC Flow
Speed drives conversions. Features to expect:
- OCR-based data capture from IDs
- Instant face and document match
- Background API checks for PAN/Aadhaar
- Simple UX with minimal steps
With Gridlines, users complete Video KYC in under 2 minutes—enhancing onboarding success.
5. Optimized for Low Bandwidth
For users in Tier-2/3 cities with poor networks, ensure:
- Stream optimization at <200 kbps
- Lightweight mobile SDKs
- Offline capture + delayed sync
Gridlines ensure smooth video KYC even on flaky connections.
6. Seamless CRM & Backend Integration
KYC results need to integrate with:
- CRM platforms (Salesforce, Zoho, HubSpot)
- Customer service tools
- Underwriting and risk systems
Expect REST APIs, real-time webhooks, pre-built integrations, and unified dashboards.
Gridlines delivers plug-and-play mechanics for effortless backend sync.
7. Scalable, Secure & Developer-Centric
Your video KYC partner must offer:
- High concurrency handling
- ISO/SOC certifications & encryption
- Sandboxes, API docs, uptime SLAs
- Developer support and onboarding assistance
Gridlines is built for scale and developer productivity—enabling deployment in days, not weeks.
Final Takeaway
Video KYC is more than a channel—it’s now a regulatory staple and strategic asset. The right video KYC partner helps you:
- Onboard users in under 2 minutes
- Prevent fraud with AI detection
- Stay compliant with RBI and DPDP
- Serve users everywhere—regardless of network quality
Want to empower your onboarding with a secure, compliant, and lightning-fast Video KYC solution?
See Gridlines in Action
Gridlines offers a next-gen Video KYC solution designed for rapid deployment, fraud protection, and compliance excellence.
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