e-KYC onboarding for Thai financial services
e-KYC (electronic Know Your Customer) lets customers prove who they are online and open an account from their phone. CODEMONDAY, a Bangkok software house, builds e-KYC onboarding for banks, insurers and lenders in Thailand. The flow (ID card scan, OTP, consent) goes into your app or website, connected to the identity provider you choose and your core systems. CODEMONDAY is ISO/IEC 27001 certified and works with ttb, KBank and Sompo.
e-KYC
e-KYC (electronic Know Your Customer) is how a bank, insurer or lender checks who you are online. You open an account, apply for a loan or buy a policy from your phone instead of going to a branch.
What we build into your onboarding
ID card and passport scanning
Customers scan a Thai ID card or passport instead of typing, and the form fills itself. This OCR step runs on Sompo TravelJoy today.
OTP by SMS or e-mail
A one-time password confirms the phone number or e-mail before the request goes through. BDMS patients confirm every medical record request this way.
Consent records for PDPA
The flow asks for consent, records it and keeps personal data under access control and encryption, in line with PDPA.
Links to your core and back office
Each verified customer reaches your core banking, CRM or policy system, with a record of every step for audit.
The identity services you choose
We connect the verification services your compliance team selects, the same way we connected iApp OCR for Sompo.
Payment right after sign-up
When onboarding ends in a purchase, customers pay online and get the policy by e-mail and SMS, as they do on MotorJoy.
Onboarding steps we already run
Sompo TravelJoy
Client Sompo Insurance (Thailand) PCLCustomers scan a Thai ID card or passport instead of typing, pay through Omise and get the policy by e-mail and SMS.Open the case
Sompo MotorJoy
Client Sompo Insurance (Thailand) PCLCar insurance sold online from start to finish, connected to iApp OCR, an SMS gateway, Omise and Sompo's back-office systems.Open the case
BDMS Medical Record Service (MRS)
Client Bangkok Dusit Medical Services PCL (BDMS)Patients log in, confirm with an OTP by SMS or e-mail and track their request with a QR code.Open the case
ttb 1C1L
Client ttb (TMBThanachart Bank)A self-service account lookup for TMB and Thanachart customers, connected to the bank's legacy systems.Open the case
How we build e-KYC with your team
Systems an e-KYC flow connects to
Core Banking | IBM AS/400 | CRM | Policy and back-office systems | iApp OCR | SMS Gateway | E-mail (SMTP) | Omise | Payment Gateway
Start from your compliance rules
Your risk and compliance team sets the checks. We design the flow around them, in line with Bank of Thailand guidelines and PDPA.
Design for the phone
Clear steps, short forms and scanning instead of typing. Each step is quick to finish on a phone.
Connect to the systems you run
The result goes into your core banking, CRM or policy system through secure APIs. Your current systems keep running.
Test, then go live in phases
We test security and load before Go-live, then release in phases you control.
Keep it up to date
Rules and partner services change over time. We keep the flow current under MA and CR.
How pricing works
The price depends on the steps in your flow, the services we connect and the systems behind them. After a call with our engineers, we send a free assessment and quotation. A first release usually takes a few weeks to a few months.
Fixed scope
One price for an agreed flow, set after Discovery. It suits a flow your compliance team has already defined.
Monthly team
A dedicated team at a monthly fee, with support included. It suits onboarding that grows product by product.
MA and CR after Go-live
After Go-live, MA keeps the system healthy under an agreed SLA and covers fixes to what we delivered. New steps or rules are change requests (CR), quoted one by one.
Technology we use
React | Next.js | React Native | Node.js | NestJS | PostgreSQL | Kubernetes | AWS
e-KYC questions
What is e-KYC?
e-KYC (electronic Know Your Customer) is identity checking done online. It lets a customer open a bank account or buy insurance from a phone instead of visiting a branch.
What does KYC stand for?
KYC stands for Know Your Customer. It is the process banks and insurers use to confirm a customer's identity before they open an account or sell a product.
Which Bank of Thailand rules apply to e-KYC?
It depends on your licence and your product. Your compliance team confirms the rules, and we design the flow in line with Bank of Thailand guidelines and PDPA for each project.
How long does it take to build e-KYC?
It depends on the steps and the systems we connect. A first release usually takes a few weeks to a few months, and we plan larger work in phases with your team.
Can e-KYC connect to our core banking system?
Yes. We connect new channels to existing cores through secure APIs, including AS/400. Our mobile banking app for Thai Credit Bank connects straight to its AS/400 core.
How do you protect customer data under PDPA?
We build consent records, access control and encryption into the flow from the start. CODEMONDAY is ISO/IEC 27001 certified.
Talk to an engineer
Call, message us on LINE or leave your details, and our team will get back to you.