Unified Account Opening Digital Banking Onboarding Platform

Sales Forecast Application

What was the Challenge

A financial institution onboarding customers across multiple products faced onboarding delays and operational complexity:

Fragmented onboarding journeys across channels
High dependency on manual verification steps
Multiple external system integrations
Handling large data exchange with core systems
Session and security management challenges
Document verification and compliance processing delays

Why change was necessary

To support digital banking adoption, the organization needed a secure and scalable onboarding solution capable of:

Providing seamless digital account opening
Supporting secure identity verification
Integrating payment and verification services
Reducing onboarding turnaround time
Enabling omnichannel customer onboarding
Maintaining regulatory compliance

How the solution was built

Architecture and Tools Used

Built on Mendix Low-Code Platform

● Private Cloud Deployment

● REST and SOAP API integrations

● Custom Single Sign-On authentication

● Digital document management integration

● Automated PDF generation

Core Architecture

The Unified Account Opening platform was designed as a scalable onboarding application enabling:

● Responsive web and tablet access (PWA)

● Secure authentication and session handling

● Multi-system integration framework

● Configurable onboarding workflows

● Automated document processing

Process flow

End-to-end digital account opening
Identity verification workflows
Payment gateway integrations
Secure document submission
Automated onboarding tracking

What we delivered

Low-Code Digital Onboarding Platform featuring

Customer registration initiated

Identity verification and validation

Document upload and verification

Payment and confirmation

Account creation and activation

Reusable assets created

Verification workflow modules
Integration connectors
Secure authentication components
Document processing utilities

Business impact

85%

Reduction in onboarding time

70%

Faster verification processing

90%

Improved onboarding visibility

100%

Digital document submission

75%

Reduction in manual intervention

Is your customer onboarding fully digital?

If onboarding still relies on branch visits and manual verification, digital transformation becomes essential.

01

Enable digital identity verification

02

Integrate payment and core systems

03

Launch secure onboarding using low-code