How to Build a Video KYC System for Credit Card Onboarding

Video KYC for credit card onboarding in India involves verifying a customer's identity through a live video call, a process mandated by the Reserve Bank of India (RBI) for full-KYC accounts. Utilizing VideoSDK, this system captures live video, verifies identity documents with OCR, performs face matching, and detects photo spoofing, storing the session for audit purposes. The architecture consists of multiple layers, including a customer app, a VideoSDK room, an agent dashboard, a KYC backend, identity verification APIs, and a core banking system. The process ensures a seamless experience, reducing onboarding time and cost while complying with RBI's regulations on data residency and session recording. VideoSDK's infrastructure supports these requirements with features like Geo Fencing and cloud recording, making it suitable for building an RBI-compliant V-CIP pipeline, though the responsibility for regulatory compliance lies with the deploying bank or NBFC.

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