The digital lending and fintech landscape in India has fundamentally transformed the way financial institutions onboard customers. Video KYC (VKYC), or Video-based Customer Identification Process, has become the gold standard for remote identity verification and for good reason. With ₹107.21 crore lost to cyber fraud in the first three quarters of FY25 alone, and over 250 million rural Indians still relying on 2G connections, the demand for secure, scalable, and accessible Video KYC solutions has never been more critical.
For C-level executives and product teams at banks, NBFCs, and lending platforms, choosing the right no-code Video KYC solution can slash onboarding times by up to 90%, reduce operational costs by 60%, and boost customer conversion rates by 80%. Here’s your definitive guide to the five best no-code Video KYC solutions reshaping India’s financial onboarding landscape in 2026.
1. Identify.ezee (by Ezee.ai)
Best For: Enterprise banks and NBFCs seeking deep lending integration with no-code deployment
Identify.ezee represents the convergence of lending technology and identity verification and it’s built by ezee.ai, the same platform powering 100+ banks and financial institutions globally, including 14 out of 43 RRBs in India.
What Sets It Apart:
Identify.ezee is a true enterprise no-code platform built on drag-and-drop workflows, eliminating the need for custom development. The solution is natively integrated with ezee.ai’s complete lending suite (lend.ezee and collect.ezee), meaning your Video KYC flows sync directly with loan decisioning, approval engines, and collection orchestration without middleware.
The platform is built for extreme low-bandwidth environments (60 kbps), enabling seamless verification even in India’s remotest villages. Advanced AI-powered micro-expression analysis detects fraudulent behavior in real time, while end-to-end encryption and geo-tagging ensure RBI V-CIP compliance. The workflow is fully automated, reducing backend workload and enabling account opening from application submission to approval in a single session.
Enterprise Architecture:
- Native drag-and-drop no-code workflow builder
- Integrated with lend.ezee (lending decisioning) and collect.ezee (collections orchestration)
- On-premises deployment option for institutional governance
- Enterprise-grade role-based access control and audit trails
- Real-time CRM integration (push/pull customer context)
- Operates at 60 kbps bandwidth (India’s most optimized)
- RBI-VCIP compliant with institutional-grade encryption
Strategic Advantage: Institutions using Identify.ezee report not just faster verification, but fundamentally faster lending cycles because verification feeds directly into decisioning eliminating the data delay that plagues disconnected systems. For a 100,000-loan-per-month
Proven Business Impact at Scale:
The numbers tell the story. A regional Nepali bank with 359 branches deployed Identify.ezee across all retail locations and 500+ ATMs to enable account opening for diaspora customers with incomplete in-country documentation. The results: account opening compressed from 7 days to under 18 hours (90% reduction), verification accuracy at 98.5%, operational cost reduction of 66%, and a 25-point NPS lift among diaspora customers.
But the real insight here is why this worked: Because Identify.ezee integrated verification with approval workflows, account activation happened automatically upon successful verification no separate approval step, no manual case routing, no backend bottleneck. This is the integration advantage that standalone Video KYC platforms simply cannot deliver.
2. Signzy Video KYC
Best For: Financial institutions targeting rural and underserved markets with bandwidth constraints
Signzy has become synonymous with financial inclusion in India’s tier 2 and tier 3 cities. Their Video KYC solution was purpose-built to solve the fundamental connectivity challenge: How do you onboard 250-300 million rural Indians still using 2G networks?
What Sets It Apart:
Signzy’s Video KYC operates at an exceptional 75 kbps bandwidth, the industry’s most optimized solution for low-connectivity environments. Over the past three years, the platform has achieved a 3-5% increase in connection rates and a 96% call conversion rate across 25+ enterprise clients, handling up to 500,000 calls per month.
The platform employs advanced video forensics to detect pre-recorded videos, spoof attempts, and digital forgery on displayed ID proofs. Real-time PAN verification is matched against the customer’s face in the video stream, with every interaction geotagged, timestamped, and encrypted end-to-end. The Signzy VKYC 360 analytics dashboard provides real-time visibility into agent activity, call trends, and completion rates driving a 20% operational efficiency improvement and 10% rise in application acceptance rates.
Key Features:
- 2G-enabled (75 kbps) for maximum rural penetration
- Real-time PAN verification with face matching
- Video forensics for spoof and pre-recording detection
- Digital forgery detection on ID documents
- Offline Aadhaar XML support
- Unlimited video storage with instant retrieval
- Geotagging, IP verification, and end-to-end encryption
- RBI V-CIP compliant audit trails
Best For Scenario: If your customer base is predominantly in tier 2, tier 3, and rural regions, Signzy’s bandwidth optimization and proven 96% conversion rates make it the optimal choice.
3. HyperVerge Video KYC
Best For: High-volume lenders and fintechs prioritizing speed, automation, and real-time analytics
HyperVerge has established itself as the leader in agent-less video KYC automation. Their platform processes 10 lakhs (1 million) calls per month, enabling agents to complete nearly double their previous daily KYC approvals.
What Sets It Apart:
HyperVerge’s breakthrough innovation is full automation of Video KYC without agent intervention. The platform uses AI-powered facial recognition, liveness detection, and deepfake checks to auto-approve compliant verifications in real time. For SEBI-regulated demat accounts, customers simply read OTPs aloud HyperVerge’s AI automatically validates them and approves account opening. For insurance, policy details are verified on video before issuance; for digital lending, loan agreement terms are recorded on video for transparency and dispute prevention.
The platform operates with dynamic fraud checks performed before the video call begins, eliminating friction during the call itself. Customers can choose to wait for an agent or schedule a call, with real-time queue position and wait time visibility reducing drop-offs. For cases requiring agent assistance, HyperVerge’s intelligent case routing assigns verification to the right agent based on language, product type, and region.
Key Features:
- Agent-less Video KYC with full automation
- 10 Lakhs monthly call capacity
- AI-powered facial recognition and liveness checks
- Pre-call fraud checks (deepfake, spoof, document authenticity)
- Real-time analytics and agent performance dashboard
- Custom filters with priority routing
- Queue management with wait time visibility
- Automated PAN capture and verification
- RBI, SEBI, and IRDAI compliance
- Central audit logging and compliance platform
Integration Strength: Designed for fintech platforms and lending marketplaces that need to scale verification without hiring agents proportionally to transaction volume.
4. Cashfree Secure ID Video KYC
Best For: Enterprises requiring multilingual support and maximum geographic coverage, especially in tier 2 and tier 3 regions
Launched in June 2025, Cashfree’s Secure ID represents the latest generation of enterprise Video KYC built specifically for India’s linguistic and connectivity diversity. As the risk and verification arm of Cashfree Payments, Secure ID brings enterprise-grade compliance with consumer-centric design.
What Sets It Apart:
Cashfree Secure ID is India’s first AI-powered, multilingual Video KYC solution. The platform natively supports 20+ Indian regional languages with live AI-based translation during calls meaning a KYC officer in Tamil Nadu can verify a customer speaking Marathi or Assamese without language barriers. The UI itself is available in 10+ regional languages, ensuring inclusive access across India’s linguistic diversity.
The platform is optimized for 2G networks and works seamlessly on 10,000+ device types, from flagship smartphones to low-end Android devices. Pre-call form-filling is 7X faster through intelligent data prefilling (80% of customer data can be auto-populated using phone number context), reducing customer friction before the video interaction even begins.
Fraud detection runs 20+ real-time checks including deepfake detection, spoof detection, document authenticity verification, and behavioral anomaly analysis. AI-guided calls are structured to complete in approximately 2 minutes, significantly reducing customer fatigue and drop-offs compared to traditional VKYC processes.
Key Features:
- 20+ Indian regional languages (voice + UI)
- Live AI-based translation during calls
- Works on 2G networks and 10k+ device types
- 20+ real-time fraud checks (deepfake, spoof, forensics)
- Pre-call form-filling 7X faster
- Mobile-first architecture
- AI-guided calls (~2 minutes)
- RBI and IRDAI compliance
- Pre-call technical checks (network, camera, microphone)
- Geo-fencing and IP verification
Best For Scenario: If your customer base is geographically diverse across India with multiple language preferences, Cashfree’s multilingual native support and 2G optimization make it the strongest choice for pan-India penetration.
5. IDfy Video KYC
IDfy has been leading in identity verification since its inception, and their launch of a video-based KYC platform in November 2025 is a watershed moment in the compliance scheme of Indian fintech. With the Supreme Court directive of 2025 to guarantee that banks, NBFCs, and fintechs invest fully in digital finance, the accessibility-driven solution of IDfy is becoming a compulsory requirement of the progressive institutions.
What Sets It Apart:
Video KYC by Idfy comes in two versions agent-assisted and full-self-service, which gives the customer a choice of the type of interaction they prefer. The distinction between IDfy is that they have made accessibility one of their core elements, not an optional add-on. The site has gesture-based liveness checks to speech impaired users, OTP-based authentication to cognitively challenged users and camera adjustments assisted by agents to motor impaired users. The document capture support permits the agents to guide users who are not physically able to hold or place documents as they wish.
The platform runs on minimal bandwidth and has pre-call checks in network, camera and microphone access- making sure that the first-attempt success rates are at their highest. There is a text-based chat between the agents and the customers, automatic reconnection of the calls in case of drop, automatic saving of session data, which can be resumed at the subsequent sessions. Intelligent Reviewer Allocation takes 30 seconds to allocate a case to the appropriate reviewer based on language, product type, location and risk profile.
The multi-cloud system (AWS, GCP, Azure) offered by Idfy is the solution that grants flexibility to companies that have an existing cloud commitment. The solution is entirely on RBI, SEBI and IRDAI regulations with security expectations being addressed by means of data encryption, secure purging and audit trail.
Key Features:
- Self serve + agent assisted modes.
- Particular accessibility (gestures-based liveness, OTPs, camera assist of the agent)
- Technical verification Before call.
- Low-bandwidth optimization
- Chat services between the customer and agent.
- Auto reconnection, and auto save of data.
- Smart routing of reviewers (30-second routing)
- Monitoring and KPI dashboards are in real time.
- Personal journey building (risk profile, region, product type)
Strategic Advantage: The accessibility-first approach of IDfy offers competitive advantage to the growing market that is becoming more attuned to the idea of the inclusive financial service and demands of Supreme Court compliance.
| Factor | Best Choice | Why |
|---|---|---|
| Integrated Ecosystem | Identify.ezee | Only platform that orchestrates KYC → Decisioning → Collections |
| Rural Penetration | Signzy | 96% conversion, 75 kbps, proven 500k+ monthly capacity |
| Automation Speed | HyperVerge | Agent-less processing, 10 Lakhs capacity, 9-day deployment |
| Linguistic Diversity | Cashfree | 20+ regional languages with live translation |
| Accessibility Compliance | IDfy | Built-in inclusive features, Supreme Court compliance-ready |
| Cost Efficiency (Long-term) | Identify.ezee | 66% documented cost reduction through integration benefits |
| Enterprise Governance | Identify.ezee | Drag-and-drop no-code + RRI audit-readiness across lending workflows |
Why More Institutions Are Standardising on Identify.ezee
When you look at the total cost of ownership over 12–24 months, the pattern is clear:
institutions that use a standalone Video KYC tool plus separate systems for loan origination, decisioning, and collections end up paying the “integration tax” again and again through:
- engineering effort to keep APIs, formats, and workflows in sync
- operational effort to reconcile data across systems
- delays between verification and actual credit decision
Identify.ezee approaches this differently. Because it is the identity layer of the ezee.ai lending stack, it doesn’t just say “KYC done” and stop there. It pushes verified identity, risk flags, and session data directly into:
- lend.ezee for instant decisioning and straight-through processing
- collect.ezee for downstream recovery and engagement journeys
The result is what the Nepal case study demonstrated so clearly: onboarding time reduced from 7 days to under 18 hours, 66% lower operating costs, and a meaningful NPS lift—all driven not only by better Video KYC, but by Video KYC that is wired into the rest of the lending engine.
Putting It All Together: The Strategic Bet for Video KYC Solutions 2026
If your goal is to fix one part of the funnel, choosing a specialised Video KYC provider makes sense.
However, if your mandate is to:
- Increase approved loan volumes without hiring linearly more ops staff
- Shorten end-to-end TAT from application to disbursal
- Keep compliance centralised and auditable across products
- Have the agility to launch new lending journeys in weeks, not months
The more strategic move is to standardise on a platform where Video KYC is a native building block, not an external dependency.
That is ultimately where Identify.ezee stands out. It gives you:
- A no-code, drag-and-drop VKYC engine
- Proven low-bandwidth performance at 60 kbps
- RBI-VCIP–compliant security and auditability
- And, crucially, tight coupling with lending and collections workflows on the same platform
In other words, the choice in 2026 is not “Which Video KYC tool has the most features?”
It is: “Which foundation will my lending business grow on?”
For many of India’s forward-looking banks and NBFCs, the answer is increasingly the same:
a unified, no-code ecosystem with Identify.ezee at the heart of every verified customer journey.
Frequently Asked Questions
Video KYC enables remote verification through live video calls where customers show original documents like Aadhaar and PAN for real-time visual checks against their face. Agents perform liveness tests like head turns or blinks to confirm presence, ensuring RBI-compliant onboarding without branch visits. This fits loan applications by verifying identity before underwriting.
Banks and fintech’s prefer Video KYC due to rising digital frauds like mule accounts, offering stronger proof than eKYC for regulatory scrutiny. It provides full account access from day one with visual document and face matching during calls. In lending, this reduces fraud in remote borrower onboarding amid 31% digital growth.
| Aspect | KYC | eKYC | Video KYC |
|---|---|---|---|
| Verification | In-person for full compliance | Aadhaar OTP, quick but limited. | Live video for unrestricted access, strong fraud defence |
| UX | Branch visits. | Document-only. | Interactive calls build loan onboarding trust |
| RBI View | Basic. | Low-risk only. | Preferred for lending audits |
A drop-off or failure delays account opening, forcing retries or branch visits and risking customer abandonment in digital lending flows. This extends TAT from 5-7 minutes to days, increasing operational costs by 20-30% per incomplete session per industry reports. Lenders lose conversions when poor network or document issues halt verification.
Enterprise-grade platforms handle 10,000+ daily sessions with 99.99% uptime, End to end description, and low-bandwidth adaptation for pan-India lending. They include AI liveness, geo-tagging, concurrent audits, and API integration for LOS workflows. RBI compliance demands STQC-certified storage and deepfake detection.
Evaluate based on RBI compliance (V-CIP, encryption), scalability for high volumes, and low-bandwidth support across India. Shortlist via API integration tests, fraud rates under 0.5%, and audit trail quality for lending scale-ups. Prioritize platforms with real-time reporting and 5-7 minute TAT, as per 2026 checklists.
During a call, customers grant consent, show original IDs for OCR and visual checks, then perform random liveness actions like blinking. Agents match face to documents, capture geo-tagged photos, and approve or reject with audit logs. In lending, this precedes credit bureau pulls for instant underwriting.
No, RBI permits eKYC for low-risk digital accounts with limits like Rs 1 lakh deposits, but Video KYC ensures full access without restrictions. For lending and high-value onboarding, banks prefer it amid fraud rises, though not mandatory. Aadhaar suffices initially if upgraded timely.
AI enhances accuracy via real-time facial recognition, liveness detection, and biometric matching against documents, cutting spoofing risks. It analyses motion inconsistencies and lip-sync for 900% rising deepfake threats in lending verification. This automates 80% of checks, per compliance reports, enabling faster STP.
Yes, 2026 systems detect deepfakes via AI analysis of texture, blinking irregularities, and audio-visual sync during live calls. They block replays, masks, and voice clones, vital for remote loan KYC against synthetic fraud. Multi-modal checks achieve near-real-time alerts with scores.
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