Digital KYC (e-KYC)

Stage 1 of 6 · NBC-compliant paperless identity verification

Customer type

RM captures details manually; CBS/T24 sync wires in when APIs are available.

e-KYC — Paperless digital onboarding

Verify the customer's identity in 4 automated checks. All steps are audit-logged and compliant with NBC Prakas on customer due diligence.

1. NID OCR

Pending

2. Liveness

Pending

3. Watchlist

Pending

4. e-Consent

Pending

Personal Information

Manual entry — new customer

No CBS record found. Capture details manually; OCR can pre-fill from NID.

Full Name (Latin)

Full Name (Khmer)

Date of Birth

Gender

National ID

Occupation

Contact Information

Manual entry

Mobile Phone

Address

Insurance-Specific Details

RM input — only these

The only fields you need to fill. Everything else flows from CBS, OCR, and LMS.

Smoker Status

Annual Income (USD)

Beneficiary Name

Beneficiary Relationship

e-KYC Capture

Use the tablet camera. OCR extracts data automatically; liveness selfie is matched against the NID photo in real time.

NID — Front (OCR)

NID — Back (OCR)

Liveness Selfie

Proof of Address

Banking Relationship

Primary Account

Customer Since

Active Loan

Risk Tier

Consents & Declarations

Customer consents to data sharing with Manulife Cambodia for bancassurance services.Customer agrees to e-signature and digital documentation.RM confirms identity has been verified in person.

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