Service
KYC and onboarding audit
We enrol as a new customer, then as a blocked one, and record where identity checks help, stall, or leak more data than they need.
From RM 14,500, scoped after intake · Two weeks
Onboarding is where many fintech apps lose good customers and keep risky ones. We run the funnel with test identities, incomplete documents, and edge cases your QA set may not include — expired ICs, mismatched addresses, selfie retries, and drop-off after a vendor timeout.
Findings cover both control quality and customer cost: extra fields that do not feed a decision, error messages that do not tell someone what to do next, and retention of images beyond what the check required. We write for product managers and compliance officers in the same document.
What we examine
- IC, selfie, and address steps, including vendor fallbacks
- Manual review queues and the information reviewers actually see
- Re-KYC and profile-change paths
- Copy and timing around rejection and retry
What you receive
- Funnel notes with screenshots from the test run
- Control-versus-friction commentary
- Suggested order of fixes, not a wish list
This review is written for digital banks, e-money issuers, and lending apps with a malaysian onboarding funnel.
Request this review