ubank have a Digital Verification of Identity service integrated in their Loanapp workflow to make the verification of your Applicant's ID a breeze.
When you trigger the service, your applicant/s will receive an email invite to complete the digital ID verification workflow.
Your applicant/s will need copies of their ID (generally their Drivers Licence or Passport) with them to complete the workflow.
The workflow takes only a couple of minutes, and can be completed on a mobile.
When complete, the service will return an ID Verification Report back to Loanapp for you to review.
What is your Applicant's experience?
When you trigger the ubank digital services from Loanapp, your applicant/s will receive an email from ubank asking them to complete the services. The first step/button in this email will trigger the digital VOI service:
🚨Note that the digital VOI must be completed on a mobile device. If your applicant has received the ubank email on their mobile, they will be taken straight to the Digital VOI. If they received the ubank email on their desktop, they will be taken to a QR code, which will then open the service on their mobile.
When they open the service on their mobile, it will first have them read through a Privacy Consent (and agree) to the service:
The workflow will ask them to capture a photo of the ID they want to use.
They are able to click through to check what ID is acceptable, and then continue to "Capture my ID" (take a photo):
The service will process the data, and present the data back to the applicant for any corrections.
Next your applicant will be instructed to do a 'liveness' selfie. This requires them to use their phone to take a selfie, while following instructions on screen (eg smile, look to the left):
The process only takes about two minutes and then your applicants have been successfully verified. Once completed, they can close down the service.
What happens when the Service is completed?
When your applicant/s complete the Digital VOI, two things will happen:
you will receive an email notification that the Digital VOI has been completed
the 'status' in the VOI Digital Widget will update to "Completed"
Reviewing the VOI report
When your applicants have completed their VOI, the VOI report will be automatically returned to Loanapp and inserted into the Digital Widget. You will be able to review the VOI report by clicking on the "details" button in the VOI widget:
A pop-up will appear, and you are able to download the PDF report:
