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Enabler

Onboarding that finishes where it started.

The customer opens the account on their phone, is verified against national identity and biometrics, and funds it at approval. Retail and business, self-service or assisted by your staff and agents.

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Minute to onboard in live deployment
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Minutes, application to approval
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Weeks to deliver in Kenya
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Journeys: retail and business, self and assisted

The journey

Four steps, one sitting.

  • Identity, not paperwork

    National digital identity where it exists, including UAE Pass, national ID and fingerprint or contactless biometric verification. Documents captured by camera, not collected at a counter.

  • Checks in minutes

    Screening, watchlists, bureau and data provider calls run in parallel while the customer is still in the flow. Your compliance policy decides the outcome, we run the tooling and the audit trail.

  • Account activated

    Account and IBAN issued, product configured, disclosures presented and accepted digitally.

  • Funded and transacting

    Instant funding at approval so the account earns from day one instead of sitting dormant and costing you service.

Four journeys, one engine

Retail, self-service

The customer opens their own account, start to finish, on their phone.

Retail, assisted

Your branch staff or an agent opens it on a tablet with the customer present.

Business, self-service

Company documents, directors, beneficial owners and mandates captured digitally.

Business, assisted

Relationship managers onboard corporate customers in the field.

Offline capable

In markets where connectivity fails, agent devices capture and encrypt locally, then sync and resolve automatically when the connection returns. Nothing is lost and nothing is entered twice.

Where it runs

UAE

UAE Pass and biometric verification with a CBUAE-licensed bank, with instant funding at approval.

Tanzania

Under a minute with national ID and fingerprint verification, inside a full neo-bank launch.

SorenTech
FIKA
Kenya

Retail and business journeys, self-service and assisted, delivered in under eight weeks.

SorenTech
Gulf African Bank

Start the conversation

Stop losing applications to your own form.

Send us the journey you run today and where applicants drop out. We come back with a rebuild scope against your core.