Onboarding via Video KYC
Onboarding
Onboarding via Video KYC

India

Apply for Citi credit card
Customers provide personal details
Customers provide additional details
Customers need to provide additional details like employment details to be shared with Citibank.
Refer to the below API callouts:
- API Callout 1 for client credentials grant to retrieve the access token.
- API Callout 2 to create a new application number.
- API Callout 3 for in-principle approval.
In-principle approval or rejection
Customers' applications are either approved or rejected, based on the details provided.
The application is submitted successfully once the customers click on 'Continue' button on the IPA screen.
Application submitted successfully
The application is submitted successfully.
The customers need to click on 'Complete KYC' button to complete their verification via Video KYC.
Customers start Video KYC verification
Customers need to start Video KYC verification and keep their PAN card and Aadhaar handy. The Video KYC link is sent to the customer through SMS.
Refer to the below JWT API callout before redirection.
Redirection to Citibank
Welcome to Video KYC
Customers enter their application number and Aadhaar number on the Video KYC welcome screen in order to initiate the verification.
Refer to the below API callouts to trigger an OTP from UIDAI for a corresponding Aadhaar Number.
Customers enter the OTP
Customers enter the OTP received on their mobile number linked to their Aadhaar. Once the OTP is validated, the customer's application is retrieved.
Refer to the below API callouts:
- API Callout 1 to validate the OTP.
- API Callout 2 for application inquiry.
Customers verify name and permanent address as per Aadhaar and provide consent
Customers verify their names and permanent address as per Aadhaar.
Customers provide their consent for Citibank to retain their name and address as per the information received from UIDAI in order to proceed with Video KYC.
Customers provide additional application details
Customers provide additional application details to be shared with Citibank in order to proceed with Video KYC.
Refer to the below API callouts:
- API Callout 1 for updating the additional application details.
- API Callout 2 (JWT API Callout) before redirection to Signzy.
Customers provide consent for recording and saving video and images
Check internet connection settings for video call
Show queue position and waiting time to the customers
The system shows the position of the customers in the queue and shows them the approximate waiting time for connecting them to the Citibanker.
The customers can reschedule their Video KYC to another time if they wish to.
Customers are connected to Citibanker
The customers are connected to a Citibanker through video call.
The customers are prompted not to close the browser window or end the call before the verification is completed.
Customers place PAN card
Customers voice out 6 digit number
Citibanker takes customer's picture
Video KYC complete
The customer's Video KYC verification is complete and the customer's application is reviewed by Citibank.
The customer is communicated about the status of the application by Citibank.
Refer to the below API callouts:
- API Callout 1 for client credentials grant to retrieve the access token.
- API Callout 2 to update Video KYC assessment result.