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Video KYC Audit Trail: What RBI Expects You to Store and for How Long
There’s a compliance conversation happening inside every regulated lending institution right now, and it’s not about whether to do Video KYC — that decision was made years ago. The conversation is about what happens after the call ends. Specifically: what did you record, where did it go, who can access it, how long does it…
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Re-KYC in Banks: When It’s Required, What It Covers, and How to Automate It
KYC gets a lot of attention when onboarding. Re-KYC, the periodic updation of that same information, gets far less — until an account is frozen, a compliance audit surfaces a gap, or the regulator issues a fresh circular reminding banks of obligations that were always there. For compliance teams and product managers building verification infrastructure,…
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Udyam Registration Verification: What It Means for MSME Lending
Walk into any credit team at a fintech or NBFC that does MSME lending, and you’ll find some version of the same conversation happening. An application comes in. The business looks legitimate. The Udyam certificate is attached. And somewhere in the process, someone has to decide: do we trust this document, or do we check…
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Red Flags That Indicate Fake Customer Identities
Not every fake identity looks fake. That’s the tricky part. Most businesses assume fraud shows up with obvious gaps—blurred documents, mismatched details, incomplete forms. But today, fake identities are often built to look perfectly normal. Clean documents. Valid-looking data. Even believable behavior. Which is why fake identity detection has become less about spotting errors and…
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Deepfake Bank Fraud in India: How AI Is Targeting Banks
Fraud has always evolved with technology. But what we’re seeing now feels different. It’s no longer just about fake documents or stolen credentials. It’s about imitation—so real that even trained eyes struggle to tell the difference. A voice that sounds exactly like a customer. A face that looks perfectly legitimate on video. A conversation that…
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Video KYC in India: A 2026 Guide for Banks, NBFCs and Fintechs
There was a time when onboarding a customer meant walking into a branch, carrying a file full of documents, and waiting days for approval. That process didn’t just slow businesses down—it shaped how customers perceived financial institutions. Fast forward to 2026, and expectations have flipped. Users want instant access, minimal friction, and zero ambiguity. But…
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6 Ways AI is Changing Fraud Detection
Fraud doesn’t look like it used to. There was a time when detecting fraud meant catching obvious red flags—mismatched documents, duplicate identities, or suspicious transactions that stood out clearly. Today, fraud is quieter, faster, and far more adaptive. It blends in. It behaves like a real user. And in many cases, it scales faster than…
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What Is Merchant Onboarding in Fintech?
The process nobody talks about enough — and why getting it wrong is more expensive than most fintechs realize. If you’ve ever signed up a business to accept digital payments, applied for a payment gateway, or helped a small retailer get onto a lending platform, you’ve encountered merchant onboarding — even if it wasn’t called…
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7 Ways to Reduce Video KYC Drop-Off
There’s a strange pattern most teams notice after launching video KYC. Users sign up. They fill forms. They upload documents. Everything looks smooth—until video KYC begins. That’s where intent drops, hesitation kicks in, and a chunk of users quietly disappear. If you’ve been trying to reduce video KYC drop-off, you’re not alone. The challenge isn’t…
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How Financial Institutions Detect Identity Fraud
Every day, somewhere in India, a loan gets approved for someone who doesn’t exist. Not in the way you’d imagine — no elaborate heist, no stolen briefcase. Just a carefully assembled set of documents: a PAN card from one person, an Aadhaar with a tweaked photo, a bank statement edited in a free PDF tool…
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9 Reasons Your KYC Process Is Causing Drop-Offs you know
You don’t usually get direct feedback on a broken KYC flow. No one writes in saying, “Your verification steps are too long.”No one complains that your document upload failed twice. They just drop off. And slowly, quietly, your funnel starts showing signs of high onboarding abandonment—even when everything above it (ads, traffic, sign-ups) seems to…
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KYC Regulations in India: What Businesses Must Know
You can usually tell how a company thinks about KYC by watching its onboarding flow. If it feels like a form you just have to “get through,” chances are the company treats KYC as a compliance burden. Something to finish quickly so the “real” business can begin. But that mindset doesn’t hold up anymore—especially in…
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What Regulators Expect from Onboarding in 2026
For a long time, onboarding was treated as a checkpoint. Collect documents. Run a few verifications. Store the records. Move on. Compliance was something you completed at the start of the relationship. That model doesn’t really hold anymore. If you look at how regulatory expectations have been evolving, one thing becomes clear: onboarding is no…