Opening an account, applying for a loan, or signing up for a financial service now takes only a few minutes. Customers can complete the entire process online without visiting a branch or filling out multiple paper forms. However, this convenience has also created new opportunities for fraud.
Fraudsters no longer rely solely on counterfeit ID cards. They may use a genuine ID belonging to someone else, impersonate an applicant using manipulated images or videos, or recruit real individuals to open mule accounts on their behalf.
As a result, checking whether an ID is valid and whether the applicant’s face matches the document may not be enough. Businesses need to answer two separate questions:
- Is the person completing the transaction really who they claim to be?
- Does the applicant present any risk that requires further review?
AppMan combines E-KYC identity verification with Customer Due Diligence (CDD), allowing businesses to verify customers and screen for potential risks within one connected flow.
A Valid ID and a Face Match Do Not Tell the Whole Story
E-KYC verifies the information on an identity document and checks whether the person completing the process is the legitimate ID holder. This helps reduce the risk of counterfeit documents and identity impersonation.
However, some fraud scenarios involve a genuine ID card and its actual owner. For example, an individual may knowingly open an account for someone else in exchange for payment. Because the applicant is physically present and using their own ID, they may pass a standard identity verification process.
This is why E-KYC should work alongside CDD.
- E-KYC helps establish who the applicant is.
- CDD helps determine whether the applicant presents a potential risk that requires further investigation.
Together, they provide a more complete view than document and facial verification alone.
First Layer: Identity Verification Through DOPA
AppMan E-KYC verifies identity information through multiple checks, from extracting data on the Thai national ID card to confirming the applicant’s facial identity.
Automated Data Extraction with OCR
Optical Character Recognition extracts key information from the front of the ID card, along with the Laser Code on the back. This reduces manual data entry and helps prevent typing errors.
Liveness Detection
Liveness Detection checks whether the person in front of the camera is physically present rather than a photograph, prerecorded video, or another form of presentation attack. The applicant’s face can then be compared with the relevant identity information as part of the verification process.
ID Status Verification with DOPA
AppMan E-KYC connects with Thailand’s Department of Provincial Administration (DOPA) to verify identity information and check the status of the ID card against government records.
Instead of relying only on an uploaded photograph of the card, businesses receive an additional authoritative data point before allowing the applicant to proceed.
Second Layer: Risk Screening with CDD
Once the applicant’s identity has been verified, their information can continue into the CDD process for risk screening against relevant lists and data sources.
AMLO List Screening
The system supports screening against information published by Thailand’s Anti-Money Laundering Office (AMLO), including designated persons associated with money laundering or terrorist financing risks.
PEP and Related-Party Screening
CDD can also identify Politically Exposed Persons (PEPs), as well as relevant family members and close associates. These results help businesses determine whether enhanced due diligence or additional review is required under their internal risk policies.
A potential match does not automatically mean that an individual has committed an offence. Instead, it provides a signal for the organisation to review the case and gather more information before making a decision.
Bankruptcy Status Checks
Businesses may also include bankruptcy status checks from relevant data sources as part of their risk assessment. This is particularly useful for lenders and other financial service providers.
Bringing Every Check into One Flow
Without an integrated system, employees may need to search several databases, record the results manually, and consolidate the information before approving an application. This takes time and creates more opportunities for mistakes.
AppMan connects identity verification and risk screening in one continuous process:
Capture ID and face → Verify information with DOPA → Screen against AMLO and other relevant sources → Present the results for review
Customers can begin the process through a mobile application, website, or LINE Official Account without switching between different platforms.
Authorised staff can then review the results in one place and access relevant transaction records according to the organisation’s defined permissions.
What Businesses Gain from Combining E-KYC and CDD
A More Complete View of Customer Risk
Businesses can go beyond confirming the applicant’s identity. They also gain information that helps them decide whether to approve the application, request further evidence, or refer the case for manual review.
Less Manual Work
API integration reduces the need for employees to search individual databases, copy customer information between systems, and record screening results manually.
A Faster Customer Journey
Because multiple checks take place within a connected flow, customers do not need to submit the same information repeatedly. Staff also receive results in a structured format that is easier to review.
Better Support for Audit and Compliance Processes
The system can retain screening results and transaction records, helping businesses trace previous checks and prepare supporting information for compliance reviews or audits.
Effective E-KYC Goes Beyond Matching a Person to an ID
Identity verification is only the first step in understanding a customer. Even when the ID information is accurate and the applicant’s face matches, there may still be risk factors that require further assessment.
Combining E-KYC with DOPA verification and CDD screening against AMLO and other relevant data sources gives businesses a clearer picture of each applicant—from confirming their identity to assessing potential risk before approval.
For financial institutions, lenders, insurers, and FinTech companies, this approach can reduce exposure to identity fraud and money-laundering risks while keeping the onboarding experience convenient for legitimate customers.
Bring identity verification and risk screening together with AppMan E-KYC and CDD. Contact the AppMan team to speak with a specialist or request a demo.
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