Every country has its own requirements that bank accounts must meet, regardless of the country, he broad requirements are collecting information about the individual and verifying the information is accurate. Qognitiv combine "KYC" identification practices and biometric enrollment to eliminate the risk that banking application face when customer's phones are lost or stolen.

Banking applications using face recognition are highly exposed to online fraud and identity theft each day, Qognitiv banking uses advanced anti-spoofing artificial intelligence techniques to avoid such compromission. Anti-spoofing liveness detection is required especially in unsupervised authentication situations. Qognitiv banking prevents sophisticated spoofing challenges from replay attacks and determine the user's presence.

Both human and bot interview can be conducted to validate customer onboarding request. This add an extra layer of security and provide confidence to the both bank and customer. Interviews are continuously by Qognitiv banking artificial intelligence algorithm to constantly improve security and customer experience.