Banking | Banking identity verification software

The challenge for modern banks

Banking is evolving faster than legacy systems can keep up

Modern banks must grow digitally while managing rising fraud, compliance complexity, and customer expectations, all without losing trust.

Onboarding friction in digital account opening

Slow or manual KYC processes cause customer drop-off and lost conversions.

Rising identity fraud

Synthetic identities, deepfakes, mule accounts, and account takeovers challenge legacy verification systems.

Escalating compliance costs

Constant updates to AML/KYC, PEP/sanctions, and beneficial ownership rules drive up complexity and costs.

The need for ongoing monitoring

Risk doesn’t end at onboarding; banks must track identity and behaviour throughout the account lifecycle.

How WhoYou helps banks

An identity and risk platform specifically for the demands of modern banking

Fast, Friction-Smart Onboarding

Real-time document verification (passport, ID card, driver’s licence).

Biometric face-match and liveness detection to ensure the true identity owner.

Mobile-first, low-friction UX that improves conversion.

Single API and modular architecture for quick integration into existing digital flows.

Compliance & Coverage

End-to-end KYC/AML workflows: document and biometric verification, sanctions/PEP screening, address checks, and monitoring.

Deep integration with South Africa’s government identity database plus international coverage for cross-border banking.

Audit-ready logs and regulatory-aligned data security architecture.

Support for risk-based verification levels to balance cost and user experience.

Lifecycle Risk Monitoring

Continuous verification at key moments — high-value transfers, account changes, or product enrolments.

Reusable KYC for cross-product compliance and faster upselling.

Why banks choose WhoYou

Local advantage

Verified access to South African government ID data.

End-to-end stack

From onboarding to ongoing risk monitoring

API-first and modular

Integrate quickly and scale easily

Built for fraud prevention

Active protection, not just compliance box-ticking

Partner-ready

Supports banks expanding digitally or integrating with fintechs and open-banking APIs

Local support

Locates individuals based on available data for purposes such as debt recovery and legal compliance.

WhoYou in Banking

The digital identity platform
built for banking

WhoYou combines biometric verification, intelligent risk signals, and secure data integrations to deliver trusted identity verification across every channel — online, in-branch, and in-field.

Onboarding

Faster, safer signups, anywhere.

Face and/or fingerprint biometrics with ID capture
Works online or offline across branches and field teams
Uses identity cache to confirm legitimacy and assess risk
Eliminates delays caused by paperwork and manual review

Portal & app security

Secure access, smooth UX.

Biometric login for both customers and agents
Blocks phishing and unauthorized access
Reduces account lockouts and support load
Builds trust with seamless authentication

Customer Investigation

Minimize disbursement risk.

Confirms identity before payouts or sensitive actions
Cross-references with WhoYou’s identity repository
Supports fast, compliant fraud resolution

Ongoing risk monitoring

Detect fraud as it happens.

Real-time access to bureau-linked ID data
Triggers re-verification when anomalies arise
Enables regulatory audits and investigations with ease

We meets industry standards for biometric verification and identity solutions.

WhoYou integrates with national identity databases, credit bureaus, and proprietary identity repositories to ensure accurate, real-time verification. Our platform meets global biometric, AML, and data protection standards — helping banks stay audit-ready at all times.

Banking identity verification software

Verify faster, reduce fraud, and build trust, with WhoYou for Banking

Banking is evolving faster than legacy systems can keep up

Onboarding friction in digital account opening

Rising identity fraud

Escalating compliance costs

The need for ongoing monitoring

Real results from our banking clients which can't afford to get it wrong.

How WhoYou helps banks

Fast, Friction-Smart Onboarding

Compliance & Coverage

Lifecycle Risk Monitoring

The digital identity platform
built for banking

We meets industry standards for biometric verification and identity solutions.

Ready to get started?

Banking identity verification software

Verify faster, reduce fraud, and build trust, with WhoYou for Banking

Banking is evolving faster than legacy systems can keep up

Onboarding friction in digital account opening

Rising identity fraud

Escalating compliance costs

The need for ongoing monitoring

Real results from our banking clients which can't afford to get it wrong.

How WhoYou helps banks

Fast, Friction-Smart Onboarding

Compliance & Coverage

Lifecycle Risk Monitoring

The digital identity platform built for banking

We meets industry standards for biometric verification and identity solutions.

Ready to get started?

The digital identity platform
built for banking