Common questions about digital account opening, onboarding workflows, and compliance evidence.
Account opening is the customer-facing journey to create an account. Onboarding includes the broader set of checks and provisioning steps (KYC/KYB, risk checks, evidence capture, and system-of-record updates).
Compliance is mostly about evidence: what checks ran, what data was used, who approved overrides, and how outcomes were recorded. Platforms should capture this automatically through workflow and audit trails.
Use progressive capture and step-up verification: start with low-friction checks, then escalate only when risk signals require it. Exceptions should route into clear manual review queues.
Start with a thin slice: one account type, one channel, end-to-end provisioning with evidence trails. Then expand products and channels.