Video KYC for Banks — V-CIP Compliant Video KYC: AI liveness, OCR, and face match in one video call.

RBI V-CIP-compliant Video KYC for banks, NBFCs, insurers, and brokers. Liveness detection, document OCR, geo-tagging, screen recording, and audit trail, in a browser, no app install. Deploy cloud or on-premise. Live in 4–6 weeks.

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RBI V-CIP · IRDAI · SEBI · Browser-based · No app · 4–6 week go-live · On-prem available

RBI V-CIP compliant

Browser-based no app

4-6 weeks go-live

On-prem available

Video KYC That Banks and Regulators Trust

Video KYC (also called VKYC) lets your customers verify their identity through a live video call with an authorized agent, from their mobile browser, without downloading an app. AI-powered liveness detection, document OCR, and face matching run in real time. The entire session is encrypted, recorded, and stored with a tamper-proof audit trail.

RBI's V-CIP (Video-based Customer Identification Process) norms are built in. Banks regulated by SAMA or MAS can deploy the entire stack on-premise.

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No App Download, Browser-Based

Customers verify identity from a mobile browser using WebRTC. No app install. Works on 4G, entry-level smartphones. Critical for tier-2 and tier-3 India where app fatigue is real.

On-Premise for Regulated Entities

Banks regulated by RBI, SAMA, or MAS need video data behind their firewall. EnableX deploys the entire VKYC stack (video calling, AI processing, recording, storage) within your data center.

What is Video KYC? Understanding V-CIP and VKYC

Video KYC, V-CIP, VKYC, eKYC: here's what each term means and how they work together.

Video KYC (VKYC)

Video KYC is a remote identity verification process where a customer's identity is verified through a live video call with an authorized agent. The agent checks identity documents, the system runs AI liveness detection and face matching, and the entire session is recorded for audit compliance. It replaces in-branch KYC visits while meeting the same regulatory standards.

V-CIP (VCIP): RBI's Framework

V-CIP stands for Video-based Customer Identification Process. It was introduced by the Reserve Bank of India in January 2020 through amendments to the Master Direction on KYC. V-CIP allows banks, NBFCs, and other regulated entities to verify customer identity remotely via live video call, subject to specific requirements: geotagging, OTP verification, live photo capture, AI liveness detection, and encrypted session recording with tamper-proof storage.

Video KYC vs. eKYC vs. In-Branch KYC

	Video KYC (VKYC)	eKYC (Aadhaar OTP)	In-Branch KYC
Method	Live video call + AI	Aadhaar biometric / OTP	Physical visit
Agent involved?	Yes, live agent	No, fully automated	Yes, in person
Time to complete	3–5 minutes	1–2 minutes	1–3 days
Security level	High (liveness + face match)	Medium	High
RBI accepted?	Yes (V-CIP, 2020)	Yes (limited use)	Yes
Customer location	Anywhere (remote)	Anywhere (remote)	Branch only

How EnableX Video KYC Works

End-to-end Video KYC flow, from customer initiation to core banking approval.

Customer Initiates

Customer clicks "Start KYC" in your app or website. OTP sent via SMS for verification.

Video Call Launched

WebRTC video call opens in browser; no app download. Customer connects to authorized KYC agent.

AI Verification

AI runs liveness detection, document OCR (Aadhaar/PAN/Passport), and face match, all in real time during the call.

Agent Confirms

Agent verifies documents, asks security questions, and approves or defers the KYC based on your internal process.

Encrypted Recording

Entire session recorded with geotagging, timestamp, and tamper-proof encryption. Stored on your infrastructure or EnableX cloud.

Result to Core Banking

Approval/rejection, extracted document data, face-match score, and recording URL pushed to your systems via API.

Total time: 3-5 minutes for standard account opening. Deploy in 4 weeks.

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Video KYC Use Cases by Industry

From bank account opening to insurance policy issuance: how enterprises across India, Middle East, and Southeast Asia deploy Video KYC.

Account opening, loan disbursement, credit card issuance, all verified through Video KYC in 3-5 minutes instead of a branch visit. RBI V-CIP compliant. On-premise deployment keeps customer video data within your infrastructure. The same platform handles SMS OTP for verification and WhatsApp for sending account opening confirmation.

Policy issuance, claim verification, beneficiary addition, all verified remotely through Video KYC. IRDAI-compliant. After VKYC, the same platform can run automated voice reminders for premium renewals and AI voice agents for policy servicing.

New folio creation, KYC for SIP registration, investor onboarding. SEBI KRA compliance. Video KYC eliminates the paper-based KYC process that delays mutual fund investments, especially for first-time investors in tier-2 and tier-3 cities.

Borrower verification for instant loans and buy-now-pay-later products. High volume; EnableX handles 10,000+ concurrent VKYC sessions for lenders processing thousands of applications daily. Browser-based verification means no app install friction, which directly improves loan conversion rates.

Islamic banking KYC (SAMA, CBUAE), fintech onboarding (MAS Singapore), cross-border remittance verification. Arabic-language agent interface. On-premise deployment for data sovereignty compliance in Saudi Arabia and UAE. EnableX provides local number provisioning in UAE (+971), Saudi Arabia (+966), and Singapore (+65).

Why Banks and Fintech Choose EnableX for Video KYC

AI-powered verification, enterprise-scale infrastructure, and full-stack CPaaS: everything you need for compliant, frictionless customer onboarding.

V-CIP Compliance

Geotagging, OTP verification, live photo capture, AI liveness detection, encrypted recording with tamper-proof audit trail. All V-CIP requirements handled out of the box.

AI Liveness Detection

Confirms the person on the video call is live, not a photograph, pre-recorded video, or 3D mask. Analyzes facial micro-movements, blink patterns, head orientation, and texture mapping.

Document OCR

Extracts data from Aadhaar, PAN, Passport, Voter ID, Emirates ID in real time during the video call. Customer holds up the document; AI reads and validates it instantly.

AI Face Matching

Compares the live face on the video call with the photo on the identity document. Returns a confidence score. Works across varying lighting conditions, angles, and skin tones.

No App Download

WebRTC browser-based video. Works on Chrome, Safari, Firefox, mobile and desktop. No app install. Works on 4G and entry-level smartphones. Powered by EnableX Video Call API.

10,000+ Concurrent Sessions

Enterprise-scale infrastructure. Auto-scaling for peak loads: month-end account openings, festival-season insurance purchases, regulatory deadline rushes.

Full-Stack CPaaS

Same platform handles SMS OTP, WhatsApp welcome messages, voice callbacks, and voice broadcast reminders. One API key, one dashboard.

On-Premise Deployment

Entire VKYC stack (video calling, AI processing, recording, storage) deployed behind your firewall. Required by banks regulated by RBI (India), SAMA (Saudi), MAS (Singapore).

Video KYC Implementation Timeline

From API integration to production go-live in 4 weeks.

1Week

API Integration

Video API setup & configuration, UI / brand customization, sandbox environment access, and developer onboarding call.

2Week

Agent Dashboard

Agent interface setup, workflow configuration, role-based access controls, and queue & routing rules.

3Week

AI & Compliance

Liveness & OCR calibration, face match threshold tuning, V-CIP compliance audit, and UAT & security review.

4Week

Go-Live

Number provisioning, production deployment, load & stress testing, and launch with 24/7 support.

Frequently Asked Questions on Video KYC

Video KYC (also called VKYC) is a remote identity verification process where a customer's identity is verified through a live video call with an authorized agent. The agent verifies identity documents, the system performs AI liveness checks and face matching, and the entire session is recorded for audit compliance. In India, this process is governed by RBI's V-CIP (Video-based Customer Identification Process) guidelines issued in January 2020.

VCIP stands for Video-based Customer Identification Process. It is a method prescribed by the Reserve Bank of India (RBI) that allows banks and regulated entities to verify customer identity remotely via a live video call, instead of requiring physical branch visits. V-CIP was introduced through RBI's Master Direction on KYC, updated in January 2020, as an acceptable method for Customer Due Diligence (CDD).

eKYC (electronic KYC) uses Aadhaar-based biometric or OTP verification without a video call; it's fully automated. Video KYC requires a live video interaction between the customer and an authorized agent, who manually verifies identity documents and performs liveness checks. Video KYC is considered more secure and is accepted for higher-risk onboarding scenarios. RBI allows both methods, but V-CIP satisfies more stringent due diligence requirements.

Yes. EnableX Video KYC runs on WebRTC technology, which works directly in the customer's mobile or desktop browser; no app download required. This reduces friction significantly, especially for customers on entry-level smartphones. The browser-based approach works on 4G networks, which is critical for tier-2 and tier-3 India.

A typical Video KYC session takes 3-5 minutes for standard account opening. This includes OTP verification, document presentation, AI liveness check, face matching, and agent verification. Complex cases (corporate accounts, high-value products) may take 8-10 minutes. Compared to branch-based KYC which requires a physical visit and multi-day processing, Video KYC is completed in a single sitting.

EnableX encrypts all video recordings and customer data in transit (TLS 1.3) and at rest (AES-256). For organizations with strict data residency requirements (banks regulated by RBI, SAMA (Saudi Arabia), or MAS (Singapore)) EnableX offers full on-premise deployment. The entire Video KYC stack runs within your data center. No customer data leaves your infrastructure.

AI liveness detection confirms that the person on the video call is a real, live human, not a photograph, pre-recorded video, or 3D mask. The system analyzes facial micro-movements, blink patterns, head orientation, and texture mapping. This is a mandatory requirement under RBI's V-CIP guidelines and is built into EnableX's Video KYC solution.

Yes. The agent interface supports multi-language operation. Automated prompts and instructions can be delivered in Hindi, English, Tamil, Telugu, Arabic, Bahasa, and 10+ other languages via AI text-to-speech. This is important for serving customers in regional India and across markets like UAE and Southeast Asia.

EnableX supports 10,000+ concurrent Video KYC sessions on its enterprise tier. The infrastructure auto-scales for peak loads: month-end account openings, festival-season insurance purchases, or regulatory deadline rushes. For on-premise deployments, capacity is pre-provisioned during initial setup.

India (RBI V-CIP, since 2020), Saudi Arabia (SAMA regulations for remote customer onboarding), UAE (CBUAE digital identity guidelines), Singapore (MAS eKYC framework), and several Southeast Asian markets have regulatory frameworks that permit video-based customer identification. EnableX serves all these markets with local number provisioning and on-premise deployment options.

Through API callbacks and webhooks. When a Video KYC session completes, the result (approved/rejected), extracted document data, face-match confidence score, liveness check result, and session recording URL are pushed to your core banking system, CRM, or compliance database. The flow can also trigger downstream actions: an SMS confirmation, or a WhatsApp welcome message, all on the same EnableX platform.

Onboard customers with video KYC, in 4 minutes.

OCR, liveness, and screen sharing built in. Compliant with RBI, IRDAI, and DPDPA. Deploy on cloud or on-prem.

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Video KYC for Banks — V-CIP Compliant Video KYC: AI liveness, OCR, and face match in one video call.