Digital account opening is a defining moment in the relationship with your customers. We leverage the latest technologies and UX research to build customer onboarding flows that minimize friction and reduce dropout rates, while meeting your unique identity verification, risk, and Trust & Safety requirements.

Eliminating False Tradeoffs

Friction and identity assurance levels are not a zero-sum choice. Place user experience at the heart of your customer onboarding experience without raising your tolerance for fraud and abuse, with proven cost-effective strategies and technologies.

Ensuring Compliance

The shifting global regulatory environment can rapidly render static customer onboarding flows obsolete, as soon as they’re implemented. Our dynamic approach to account opening and KYC keeps you ahead of your competitors with the flexibility to meet current, and future, regulatory shifts.

The Privacy by Design Approach

The legal and headline risk created by inadequate data governance puts your organization at jeopardy, as data lakes become data swamps. Reduce risk and meet jurisdictional data regulations with a privacy by design approach to how, and why, customer information is collected during customer onboarding.

Minimizing Drop Off

Each additional point of onboarding friction is another opportunity to lose a new customer. Transform your customer experience with a design thinking approach that prioritizes the user, and maximizes your ability to turn hard-earned qualified leads into long-term customer relationships.

Place user experience at the heart of your customer onboarding experience without raising your tolerance for fraud.

case study

FinTech Reduces Abandonment Rates in Digital Account Opening

How do organizations create compelling and frictionless user onboarding experiences while also maintaining safety and security? How can user onboarding create a competitive advantage rooted in building trust?


A large North American-focused FinTech built a value proposition around providing banking customers the ability to open a new account in less time and a world-class user experience to send and receive payments. Based on the partnerships the FinTech had established, it was evolving as a trusted exchange for businesses and consumers to transact with increased speed and convenience. To expand its network intelligence capabilities, the FinTech was developing an identity assurance platform with user authentication, real-time sharing of identity data with relying parties, and bank-validated identity information. OWI was engaged in identifying viable alternative document verification solutions to augment the organization’s existing identity verification (IDV) stack and improve the existing digital account opening process. 

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