Onboarding Module
eKYC every director with a face match score you can defend.
A declared director list is only half of KYB. Kenal AURA runs eKYC against every controlling person with a selfie, a MyKad front and back, OCR-extracted identity fields, and a face similarity score. Each director ships with a PASS or FAIL and the evidence sits next to the case.
How it works
Collect selfie and MyKad
Every declared director is asked for a short selfie, MyKad front, and MyKad back. The capture runs in-browser or via the mobile onboarding app, with guided framing for each shot.
OCR and face match
The MyKad images are OCR'd for name and IC number. The selfie and the MyKad photo are compared with a face similarity score. Fields that don't match the declared director row are flagged on the spot.
PASS, FAIL, or review
Each director receives an overall result: PASS, FAIL, or pending. The captured selfie, IC front, IC back, extracted fields, and the similarity score are attached to the director and visible from the case.
Directors & Controlling Persons
| Name | Position | IC Number | eKYC Status | Verification |
|---|---|---|---|---|
Siti binti Ahmad siti.ahmad@warungseribu.my Initiator | DIRECTOR | 850412-14-5678 | verified | View |
Rahman bin Ismail rahman@warungseribu.my | SECRETARY | 780219-08-1234 | pending | — |
eKYC Verification
Siti binti Ahmad (850412-14-5678)
Face Match Score
94.3%
Overall Result
PASSSelfie
IC Front
IC Back
Every declared controlling person
KYB is not just the signer. Directors, secretaries, and other controlling persons are each captured with the same rubric: same selfie, same MyKad capture, same face match. Positions are tagged explicitly so an analyst can filter for directors, secretaries, or initiators.
A face match score, not a gut feeling
Face similarity is expressed as a single numeric score. A high score is pass, a low score is fail, and the threshold is transparent. Analysts never have to squint at two photos and declare them the same person. The comparison is on the record.
MyKad OCR and field-level comparison
Name, IC number, and address are extracted from the MyKad images and compared against the declared director data. A typo is caught at capture, not at audit. The original images stay attached for manual review whenever OCR confidence is low.
Evidence travels with the case
The selfie, IC front, IC back, face match score, and OCR output are stored together with the director record. When the application is reviewed (or re-reviewed six months later) the full eKYC bundle is one click away.
Frequently asked questions
- What happens when face match fails?
- A failed match is flagged with an overall result of FAIL and routed into the analyst queue. Analysts can override the result with a required reason, request a re-capture from the merchant, or reject the director. Every override is logged.
- Does the platform handle non-Malaysian directors?
- The MyKad capture flow is Malaysia-specific because Malaysia is the primary portfolio. Non-Malaysian directors are captured with a passport or foreign ID document with the same selfie and face match pattern. OCR quality varies by document type and is surfaced explicitly.
- Can face match thresholds be tuned per acquirer?
- Yes. PASS and FAIL thresholds are configurable per acquirer so risk-conservative teams can require a higher similarity score than the default. All threshold changes are versioned and every captured eKYC record carries the threshold in force at capture time.
- Is biometric data retained?
- Selfie and MyKad images are retained alongside the onboarding case per the acquirer's configured retention window. Access is audit-logged and images are scoped to the owning acquirer's tenant. The retention window can be tightened per acquirer policy.