{"id":5360,"date":"2026-08-24T20:02:09","date_gmt":"2026-08-24T14:32:09","guid":{"rendered":"https:\/\/gridlines.io\/blogs\/?p=5360"},"modified":"2026-08-30T20:03:27","modified_gmt":"2026-08-30T14:33:27","slug":"video-pd-vs-video-kyc","status":"publish","type":"post","link":"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/","title":{"rendered":"Video PD vs Video KYC: What&#8217;s the Difference and When Should Lenders Use Each?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#Video_KYC_and_Video_PD_Solve_Different_Problems\" title=\"Video KYC and Video PD Solve Different Problems\">Video KYC and Video PD Solve Different Problems<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#What_Happens_During_Video_KYC\" title=\"What Happens During Video KYC?\">What Happens During Video KYC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#What_Happens_During_Video_PD\" title=\"What Happens During Video PD?\">What Happens During Video PD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#A_Key_Difference_One-to-One_vs_Multi-Participant_Discussions\" title=\"A Key Difference: One-to-One vs Multi-Participant Discussions\">A Key Difference: One-to-One vs Multi-Participant Discussions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#Video_PD_Creates_More_Than_a_Call_Record\" title=\"Video PD Creates More Than a Call Record\">Video PD Creates More Than a Call Record<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#Multilingual_Conversations_Are_Another_Important_Consideration\" title=\"Multilingual Conversations Are Another Important Consideration\">Multilingual Conversations Are Another Important Consideration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#When_Should_Lenders_Use_Video_KYC\" title=\"When Should Lenders Use Video KYC?\">When Should Lenders Use Video KYC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#When_Should_Lenders_Use_Video_PD\" title=\"When Should Lenders Use Video PD?\">When Should Lenders Use Video PD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#Video_KYC_and_Video_PD_Can_Work_Together\" title=\"Video KYC and Video PD Can Work Together\">Video KYC and Video PD Can Work Together<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/#Choosing_the_Right_Video_Workflow\" title=\"Choosing the Right Video Workflow\">Choosing the Right Video Workflow<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Video KYC and Video Personal Discussion (Video PD) both use video to connect financial institutions with customers remotely. That similarity can make the two appear interchangeable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They are not.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The two serve different purposes in the financial services lifecycle. Video KYC is primarily about establishing and verifying customer identity as part of the KYC process. <a href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loan-underwriting\/\">Video PD<\/a> is designed for structured discussions with borrowers or customers where the institution needs to understand, assess and document a conversation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For banks, NBFCs, HFCs and other financial institutions, understanding this distinction is important because choosing the right workflow depends on what the institution is trying to accomplish.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Video_KYC_and_Video_PD_Solve_Different_Problems\"><\/span><strong>Video KYC and Video PD Solve Different Problems<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The easiest way to understand the difference is to look at the objective.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video KYC answers a fundamental question:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cCan the institution verify the customer&#8217;s identity through the prescribed KYC process?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD addresses a different question:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cCan the institution conduct and document a meaningful discussion with the borrower or customer as part of a financial decision or service journey?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video KYC therefore sits around customer identification and onboarding, while Video PD can be used further along the lending or customer lifecycle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD is specifically designed for borrower assessments, lending evaluations and high-value customer interactions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Happens_During_Video_KYC\"><\/span><strong>What Happens During Video KYC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Video KYC is built around identity verification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The process is generally structured around establishing the customer&#8217;s identity remotely and meeting the requirements associated with the applicable KYC framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The purpose is not to conduct an open-ended credit discussion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why Video KYC is well suited to customer onboarding and identity-related workflows. Once the institution has established the required identity information, the customer&#8217;s KYC requirement can be addressed as part of the onboarding process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But identity is only one part of a lending journey.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A lender may subsequently need to discuss the customer&#8217;s circumstances, intent, repayment considerations, business context or other aspects relevant to a financial decision. That is where Video PD serves a different purpose.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Happens_During_Video_PD\"><\/span><strong>What Happens During Video PD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD is a structured conversation between an institution&#8217;s agent and one or more participants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The participants could include a borrower, co-applicant, guarantor, business promoter or other relevant stakeholder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike a simple video call, the session is designed to generate an auditable record. Video PD records the session end-to-end and links the recording to the session record.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After the discussion, the platform can generate a transcript and an AI-powered summary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes the conversation usable as part of a broader operational or underwriting workflow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, in a home loan assessment, a credit officer may need to discuss repayment intent, employment stability or end use of funds. In an MSME assessment, the conversation may involve promoters or multiple business partners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are assessment conversations\u2014not identity verification sessions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_Key_Difference_One-to-One_vs_Multi-Participant_Discussions\"><\/span><strong>A Key Difference: One-to-One vs Multi-Participant Discussions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Another important distinction is the session architecture.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD supports multiple participants in a single session. A borrower, co-applicant and guarantor can all join the same conversation with the agent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is particularly useful in lending workflows where multiple parties are relevant to the assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of coordinating separate conversations, the lender can bring the relevant participants together in one structured session.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes Video PD particularly suited to lending and high-value customer interactions where the discussion may extend beyond a single individual.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Video_PD_Creates_More_Than_a_Call_Record\"><\/span><strong>Video PD Creates More Than a Call Record<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The output of a Video PD session is designed to become part of the institution&#8217;s operational record.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The platform can generate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A recording of the session<\/li>\n\n\n\n<li>An extracted audio file<\/li>\n\n\n\n<li>The original-language transcript<\/li>\n\n\n\n<li>An English transcript<\/li>\n\n\n\n<li>An AI-generated call summary<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These outputs are securely stored and linked to the session.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is particularly relevant for lenders because the assessment conversation can potentially be reviewed after the interaction rather than relying only on manually recorded notes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The AI-generated summary can also be configured based on the journey. Different lending workflows can therefore receive summaries structured around their specific requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multilingual_Conversations_Are_Another_Important_Consideration\"><\/span><strong>Multilingual Conversations Are Another Important Consideration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">India&#8217;s lending ecosystem serves borrowers across diverse linguistic markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD supports transcription across 23 Indian languages. For non-English conversations, the platform generates both the original-language transcript and an English translation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can help credit and risk teams review borrower discussions even when the original conversation took place in a regional language.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For lenders operating across multiple states and geographies, this can make recorded borrower conversations more accessible to centralised teams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_Should_Lenders_Use_Video_KYC\"><\/span><strong>When Should Lenders Use Video KYC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Video KYC is appropriate when the primary objective is customer <a href=\"https:\/\/ongrid.in\/blogs\/5-identity-verification-trends-employers-need-to-watch-in-2026\/\">identity verification<\/a> as part of the KYC process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is therefore relevant during customer onboarding and other workflows where the institution needs to complete the applicable KYC requirements remotely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key point is that Video KYC should not be treated as a substitute for every type of video interaction with a customer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its purpose is identity verification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_Should_Lenders_Use_Video_PD\"><\/span><strong>When Should Lenders Use Video PD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD becomes relevant when the institution needs a <strong>structured, recorded conversation for assessment, lending or another high-value customer interaction<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, lenders can use it for retail and home loan underwriting, MSME and business loan assessments, high-value personal loan pre-disbursement checks, collections and restructuring discussions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It can also be useful when a co-applicant or guarantor needs to participate in the discussion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In these situations, the value is not simply connecting over video. It is creating a structured and auditable interaction that can generate usable information for downstream teams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Video_KYC_and_Video_PD_Can_Work_Together\"><\/span><strong>Video KYC and Video PD Can Work Together<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The choice between Video KYC and Video PD does not always have to be either-or.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In a digital lending journey, the two can serve different stages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A simplified journey could look like:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Onboarding \u2192 Video KYC \u2192 Credit Assessment \u2192 Video PD \u2192 Underwriting \/ Decision \u2192 Disbursement<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exact workflow will depend on the lender&#8217;s processes and regulatory requirements, but the principle remains the same: identity verification and borrower assessment are different activities and can require different digital workflows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD can therefore complement Video KYC rather than compete with it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choosing_the_Right_Video_Workflow\"><\/span><strong>Choosing the Right Video Workflow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The distinction ultimately comes down to the purpose of the interaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the institution needs to establish or verify customer identity, the relevant workflow is <strong>Video KYC<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If it needs to conduct a structured discussion with a borrower, co-applicant, guarantor or other stakeholder and retain a record of that conversation, <strong>Video PD<\/strong> is the more relevant solution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For lenders moving toward increasingly digital operations, this distinction can help avoid using a one-size-fits-all video workflow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video KYC brings identity verification online. Video PD brings the <strong>assessment conversation<\/strong> online.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Together, they can address different parts of the customer and lending lifecycle\u2014helping financial institutions move beyond simply digitising paperwork toward creating a more connected, documented and auditable digital lending experience.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Video KYC and Video Personal Discussion (Video PD) both use video to connect financial institutions with customers remotely. That similarity&#8230; <\/p>\n","protected":false},"author":8,"featured_media":5361,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-5360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bfsi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Video PD vs Video KYC: What&#039;s the Difference?<\/title>\n<meta name=\"description\" content=\"Understand Video PD vs Video KYC, their key differences, and when banks and lenders should use each in the lending lifecycle.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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