Simplify onboarding with one unified platform
One powerful platform to build, customize, and continuously optimize onboarding journeys tailored to your business needs.
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Filter out ineligible applicants before spending on eKYC
- Dynamic Form
- Device Intelligence
Dynamic Form
Reduce drop-off with smart, adaptive forms
- JSON-based form schema
- Dynamic rules and real-time validation
Consent Management
Stay compliant with audit-ready consent records
- Policy version management
- Automatic re-consent when purposes change
Device Intelligence
Block bots and risky devices before KYC costs are incurred
- Detect compromised devices
- Catch bots and risky behavior instantly
Consent Form
Capture structured consent with customisable, branded forms
- Multi-purpose consent
- Version control
- Mobile-optimised UI
Purpose Tracking
Track exactly what data is collected and why
- Granular purpose mapping
- Audit trail
- Real-time dashboards
Withdrawal Flow
Let users withdraw consent at any time with a full audit trail
- One-click withdrawal
- Downstream revocation
- Compliance reports
CMP
Ensure user consent before processing any personal data
- Compliant
- Transparent
- Auditable
eKYC
Know exactly who you are dealing with in seconds
- Document OCR
- Face Verification & Liveness
- NFC Chip Verification
Document OCR
Read and verify ID documents in seconds
- OCR for multiple document types
- Detect blur, glare, recapture, missing corners
Face Verification & Liveness
Stop deepfakes and spoofing attacks
- 1:1 face matching
- Presentation and injection attack defense
NFC Chip Verification
The highest level of CCCD verification
- Read cryptographically signed chip data
- Verified through Ministry of Public Security channel
Behaviour Insight
Approve more customers with limited credit history
- Convert session-level data into risk signals
- Early risk scoring before traditional credit data
Fraud & Risk Detection
Detect fraud patterns missed by rules
- Document forgery detection
- Face deduplication and liveness attack detection
Decision Engine
Configure approval rules without IT tickets
- Business-configurable thresholds and weights
- Structured reason codes and audit trail
Underwriting
Assess risk precisely across every signal
- Behaviour Insight
- Fraud & Risk Detection
- Decision Engine
Ongoing Monitoring
Protect accounts and stay compliant after onboarding
- Face Authentication
- PEP & Sanctions Check
- Adverse Media Screening
Face Authentication
Secure high-risk actions after onboarding
- Authenticate onboarded users instantly
- Support money transfer and device change flows
PEP & Sanctions Check
Screen risk lists in real time
- Global and domestic sanctions screening
- PEP list monitoring
Adverse Media Screening
Identify reputational and financial crime risk
- Monitor adverse media
- Detect financial crime signals
Built for every digital financial journey
Banks & NBFIs
Use Case
Account opening, loan origination
What it solves
Replace branch KYC with fully digital, compliant onboarding
Fintech & BNPL
Use Case
Customer registration, credit decisioning
What it solves
Fast identity check + fraud score before disbursement
E-wallets
Use Case
Wallet activation, transaction limits upgrade
What it solves
Tier-1 → Tier-3 KYC upgrade flows in one session
Online Lenders
Use Case
Lead-to-disburse pipeline
What it solves
Onboarding + initial scoring + eContract in a single flow
Insurance
Use Case
Policy issuance, claims initiation
What it solves
Remote identity verification for no-branch distribution
From zero to live in 3 steps
1. Design your workflow
Configure your onboarding flow based on your business needs — verification, fraud checks, and scoring.
2. Activate your flow
Set rules, thresholds, and decision logic to match your risk appetite.
3. Integrate & go live
Embed our SDK into your app and start onboarding users instantly.
Integration Readiness
Join leading financial institutions using KALAPA to onboard customers faster, reduce fraud, and stay compliant.
- Integrate via REST API or drop-in SDK — choose the model that fits your architecture
- Full platform coverage: iOS, Android, React Native, Flutter, Web (Vanilla JS, Vue, React)
- Data delivery via pull (API) or push (webhook) — no lock-in to a single pattern
- Detailed API documentation + dedicated technical support throughout integration
Ready to streamline your onboarding?
Join leading financial institutions using KALAPA to onboard customers faster, reduce fraud, and stay compliant.