Introduction to the CKYC Automation Platform

The KwikID CKYC Automation Platform is an end-to-end solution designed to fully automate the Central KYC (CKYC) process for Financial Institutions. It eliminates manual effort, ensures regulatory compliance with CERSAI, and accelerates customer onboarding through a scalable, AI-powered workflow.

The Automation Journey

Our platform orchestrates the entire CKYC lifecycle through a series of distinct, automated stages. This ensures that from the moment data is received to the final CKYC number generation, the process is efficient, transparent, and resilient.

High-Level Process Flow

View Detailed Process Flow Diagram

Complete CKYC automation workflow from data ingestion to final resolution

Core Platform Components

• CKYC Bulk Automation: An asynchronous, scheduled process that handles high-volume data intake, AI-powered data correction, and the creation of CERSAI-compliant batch files.
• CKYC CERSAI Integration: Manages the secure SFTP communication with CERSAI, automatically handling the submission of batches and the processing of all response files (RES0, RES1, RES2).
• Automated Match Resolution: Employs sophisticated workflows to automatically handle "Confirmed Match" and "Probable Match" cases without manual intervention.
• Search and Download API: Provides a secure, OTP-based mechanism (V3) for searching and downloading individual CKYC records on demand.
• Monitoring and Analytics: Delivers insights into the entire process through a dedicated business intelligence platform, tracking key performance indicators for operations, data quality, and compliance.

Key Benefits

🚀 Efficiency at Scale

• Process thousands of KYC records simultaneously with a fully asynchronous, background-driven workflow.
• Eliminate manual intervention from data intake to final resolution, significantly reducing operational costs.
• Accelerate customer onboarding by reducing the time-to-CKYC from days to hours.

🔒 Robust Security & Compliance

• Ensure 100% compliance with all CERSAI guidelines for data formatting, digital signatures, and file submission.
• Utilize end-to-end encryption for all data in transit and at rest, securing sensitive customer information.
• Maintain a complete and immutable audit trail for every action taken within the platform.

📊 Actionable Insights & Transparency

• Gain a real-time, 360-degree view of your CKYC operations through a comprehensive analytics dashboard.
• Monitor key performance indicators, track success rates, and analyze rejection reasons to drive continuous process improvement.
• Receive automated alerts for critical events, ensuring proactive issue management.

Getting Started

To begin leveraging the CKYC Automation Platform:

1. Review the Documentation: Understand the complete workflow and features of each component.
2. Integrate with the API: Use the provided specifications to integrate your core systems with our secure data intake API.
3. Prepare Your Data: Ensure your KYC data is formatted according to the required specifications for seamless processing.
4. Test in Sandbox: Validate your integration and workflows in our dedicated testing environment.
5. Go Live: Transition to the production environment to begin full-scale automation.