Face authentication-based eKYC is made available by Kotak Mahindra Bank

Through a mobile application created by UIDAI, authentication is performed. The authentication will be carried out without the use of any additional hardware.

On Tuesday, Kotak Mahindra Bank Limited (KMBL) announced that it had made facial authentication-based Aadhaar e-KYC available for client onboarding. “Kotak is one of the first banks to go live with enabling client onboarding via face authentication-based e-KYC,” the bank said in its official statement.

Through a mobile application created by UIDAI, authentication is performed. The authentication won’t involve the use of any additional hardware. The bank claimed that because the full authentication process may be finished in only a few minutes, this option offers the convenience of significant time savings.


“Kotak Mahindra Bank believes in using the latest technology to bring in new and improved digital banking solutions to our customers. We would like to thank UIDAI for introducing the face authentication app through which we can offer this seamless digital onboarding to our customers,” said Puneet Kapoor, President-Products, Alternative Channels and Customer Experience Delivery, Kotak Mahindra Bank.

On Kotak Bank Digital Savings Accounts, the face authentication method based on Aadhaar is employed as an alternative to the present fingerprint authentication method.

Customers can authorise the completion of their KYC using Aadhaar-based authentication when they visit the bank branch. “They will be authenticated using the Aadhaar authentication process as prescribed in the bank regulations,” Kotak bank said. A successful face authentication checks the identity of the person and confirms that the physical face being scanned for verification matches the one that was taken at the time of enrolling in the Aadhaar number.

By using this approach, the bank will be able to onboard customers at a lower cost because the expense of purchasing and maintaining a fingerprint device will no longer be necessary. “This modality will also provide resolution to fading fingerprint miniature capture issues and related failures, especially for sourcing in the rural areas where farmer fingerprints change over the period of time,” the bank said in its statement.