Category: Digital Onboarding

What is DigiLocker and what is its purpose?

DigiLocker is a centralized platform that allows Indian individuals to electronically save, view, and exchange government-issued papers. DigiLocker is used to securely and conveniently store important documents supplied by the Indian government.

Digilocker API enables approved applications to access and interact with a user’s DigiLocker documents, resulting in more efficient document management and verification processes.

Companies like Signzy needs to register their applications with the DigiLocker Developer Portal and get API credentials (Client ID and Client Secret). These credentials are then used to authenticate and authorize the application to use DigiLocker services on behalf of the user.

How does the DigiLocker API work?

DigiLocker API enables authorised companies or groups to directly check the authenticity of a user’s documents within DigiLocker. This simplifies the document verification processes for government agencies, financial institutions, educational institutions, and others.

Before the application can access a user’s DigiLocker documents, they must give their explicit consent. When the program seeks access to the user’s records, DigiLocker presents a consent screen that informs the user about the data the application will access and the actions it can take.
Now, let us look at the steps in detail.

Step 1: Request Verification

Businesses seek document verification for an individual or entity’s Digilocker API documentation.

Step 2: Request for Credentials

The business receives Signzy’s integrated DigiLocker API SDK and API credentials via email.

Step 3: Input Data

The user is directed to the verification site to log in using their registered mobile number. Once the user has given consent, the application can utilize the API to access the user’s documents.

Step 4: Retrieve and Match

The user’s request for document verification is swiftly executed by retrieving and matching the same document stored in the Digilocker database.

Step 5: Document Verification

Organisations can use any ID document to verify an individual’s identification. Based on the verification status, the user receives proof of legitimacy. During affirmative verification, the individual’s name, gender, DOB, and address are obtained as output data.

How can Signzy’s Digilocker API benefit your organisation?

We provide low-code integration of the DigiLocker API into organisational systems, allowing us to provide capabilities such as document storage, retrieval, verification, and Digilocker API documentation.

Signzy’s DigiLocker API enables real-time verification of government-issued documents saved in a user’s account. The API allows for direct communication with issuing agencies to execute real-time checks on the smart API platform, enabling safe and real-time document verification while also improving confidence and efficiency in the document exchange process.

DigiLocker API integration allows users to securely store and share documents with authorized entities, providing a simple exchange process. Users and organizations can get real-time updates on their document verification status during authentication. If a problem occurs during the verification process, the user receives instant error codes and failure warnings.

Our Digilocker API platform prioritizes data security and privacy, particularly for sensitive documents. DigiLocker KYC uses secure HTTPS connections to ensure the confidentiality of data transmission. It protects data saved on the platform using strong security measures, encryption mechanisms, and user authentication, providing consumers confidence in its trustworthiness.

Also, DigiLocker API integrates smoothly into multiple applications and systems, offering a flexible verification solution. The API enables simple integration with a wide range of applications, including government agencies, financial organisations, educational platforms, and more.
Digilocker API integration saves time and effort when accessing and submitting documents for a variety of applications. Digilocker API supports multiple platforms, including web and mobile apps. The API is designed to manage massive amounts of data and traffic while maintaining stability and scalability for all users.

Digilocker API advantages in Financial Services

Banks can use DigiLocker integration to expedite KYC (Know Your Customer) processes, allowing clients to securely submit identity papers for account opening and verification.
In addition to a smooth customer onboarding process, financial services can use the API to protect against various threats such as fraud, corruption, money laundering, and terrorist financing. This improves company due diligence processes, reduces risks, and increases consumer trust.
Got any questions? Refer Frequently Asked Questions below.

FAQs

1.What is Digilocker ID, and how does it differ from a User ID?

Your Digilocker ID is a unique identifier for your DigiLocker account, whilst the User ID is connected to your Aadhar number, providing an additional layer of security.

2.Is DigiLocker government-approved?

DigiLocker is a government-approved platform launched by the Government of India.

3.From where to obtain Digilocker’s API documentation and integration information?

The DigiLocker platform provides thorough integration instructions as well as detailed documentation for the Digilocker API.

4.What kinds of files can be uploaded to Diglocker platform?

File types that can be uploaded include pdf, jpg, and png

5.What types of documents are supported by Digilocker?

DigiLocker supports all legal and government-issued documents. Here’s the list:

• PAN Card
• Voter ID
• Aadhaar card
• Driver’s license
• Vehicle Registration Certificates
• Policy documents
• Students’ marksheets

6.How many documents can I pull from Digilocker?

There is no limit to the number of documents you can retrieve using the Digilocker API.

In today’s digital world, where information and documents are vital to all aspects of our lives, the demand for safe, quickly available digital storage solutions has never been more important. DigiLocker, a transformational project by the Government of India, has altered the way we manage and access documents.

A comprehensive guide on DigiLocker API

What is DigiLocker API?

DigiLocker API is a critical interface that enables developers and businesses to seamlessly incorporate DigiLocker services into their applications and systems. It serves as a conduit for the seamless interchange of digital documents between DigiLocker and external systems.

DigiLocker API Documentation

Before you can take advantage of the DigiLocker API, you must first familiarize yourself with its documentation. The documentation includes detailed instructions for using the digilocker API, such as authentication methods, available endpoints, and data types.

DigiLocker API Integration

In order to integrating DigiLockerAPI into your application, following steps are required:
Obtaining API Credentials: To begin the integration process, you will require API credentials provided by the DigiLocker team. These credentials are required to authenticate your application with the DigiLocker platform.
Authenticating details: Each API request requires authentication, so provide your credentials in the request headers.
Your program can request access to a user’s DigiLocker account. Upon approval, it gains the capability to fetch, upload, or manage documents on the user’s behalf.

After approval, it gains the power to retrieve, upload, and manage documents on the user’s behalf.

Document Operations: The DigiLocker API provides additional capabilities for document operations such as uploading, fetching, and sharing.

Configuring notifications: You can configure notifications to keep users informed about document updates and actions on the DigiLocker platform.

Key Features of Integrated DigiLocker API

Real-Time Document Verification

The DigiLocker API allows for immediate, real-time verification of government-issued documents saved in a user’s DigiLocker account. Authorized applications like Signzy can quickly and accurately verify documents, decreasing processing time for a variety of services including KYC verification and document authentication.

Document Bulk Storage and Management

The DigiLocker API enables bulk document verification and storage, making it a valuable feature. Users can securely store and verify multiple documents in their DigiLocker account, allowing for efficient management of a wide range of official documents.

Real-Time Document Updates

The DigiLocker API provides users and organizations with real-time updates on document verification status. The system delivers instant notifications, whether the verification is successful or unsuccessful, allowing users to stay up to date on the status of their papers.

Secure Communication

DigiLocker API provides secure and private communication for document verification. All contacts between the API and the DigiLocker server take place over secure HTTPS connections, which use sophisticated encryption protocols to protect critical data transferred during verification.

In case you are looking for a digilocker API for your business, we’ve got you!

Signzy’s Digilocker API

Our API allows customers to quickly get end-user information or documents from Digilocker. Here are the steps:

First of all, it creates a link that redirects people to Digilocker for authentication via Aadhaar.

Once the user has completed the login, he or she is asked to consent to data being retrieved from Digilocker.

Once consent is received, the user is sent back to the main flow.

In the backend, user data (including documents, where relevant) is obtained from Digilocker and passed on via an API call for further processing.

Well, Digilocker is not only used by individuals; businesses and companies can also benefit from the capabilities of this cloud-based storage solution; few of them have been discussed below.

DigiLocker Integration for Businesses

Reduced Several Administrative Overheads

Using DigiLocker integration for organizations allows them to decrease a variety of administrative burdens by reducing the need for physical paperwork and time-consuming verification processes.

Adopt Digital Transformation

Issuing agencies upload vital papers to the Digital Locker platform, which can be easily accessed in a real-time directory.

Using this cloud-based storage platform, trusted issuers and requesters can use documents with the agreement of Indian citizens.

Real-time Verification Process

After receiving user approval, authorized agencies can verify their users’ data straight from issuers.

This reduces the operational cycle time for various financial services. Whether your consumers need to open a bank or trading account offline, they must be present at the actual branch with the necessary paperwork.

Integrating a DigiLocker API service into your business platform enables users to upload, download, and share digital documents. Before accessing the specific documents, it requires approval from the owner.

Prevent the Chance of Theft, Misuse, or Loss

Because the documents are saved on a cloud-based system, there is no risk of misuse, theft, or loss. Furthermore, consumers do not need to carry actual documents with them while opening accounts to use service providers’ features.
Have any questions? Refer our Frequently Asked Questions below.

FAQs

1.What are the potential use cases of Digilocker?

The Digi Locker is adaptable and can be used in the following scenarios:
Personal Use: Maintain personal documents such as identification cards, certifications, and financial records.
Business Use: Improve document management for businesses, such as contracts, invoices, and employee records.
Educational Use: Organize and handle educational materials, transcripts, and certificates effectively.

2.Which industries would benefit from DigiLocker integration?

DigiLocker integration can assist a variety of businesses, including banking, healthcare, ride-hailing services, insurance, and investment platforms, among others.

3.What type of documents can DigiLocker store and access?

DigiLocker allows users to save numerous government-issued documents in electronic format, such as Aadhaar cards, driver’s licenses, educational certificates, voter ID cards, PAN cards, automobile registration certificates, and more.

Is DigiLocker API secure?

Yes, DigiLocker uses modern security features including encryption and multi-factor authentication to protect user data. As a result, the entire process is safe from beginning to conclusion.

What is Aadhar eKYC?

Aadhaar eKYC is an online method for verifying an individual’s identification using their Aadhaar number.

This eliminates the need for physical papers, expediting and simplifying the verification process for both enterprises and consumers.

Aadhaar eKYC uses biometric and demographic data, which improves the accuracy of identity verification as compared to previous techniques that rely on physical documents.

This accuracy is critical in lowering the danger of fraud and identity theft, assuring safe financial transactions.

Furthermore, Aadhaar eKYC has played an important role in promoting financial inclusion, particularly in rural areas where traditional KYC processes were sometimes a barrier.

Benefits of e-KYC

There are several benefits of e-KYC, but the most important ones are:

• Swift and Convenient
• Reduces the need for documentation
• Reduces the risk of fraud and loss of documents
• Can be done remotely, which saves time and effort
• Reduces the expense of physical verification operations
• Simplifies the verification process for clients

Procedure for Aadhaar eKYC Online

The Aadhaar eKYC process can be completed either online or offline, and both options are paperless.
Process of Aadhaar e-KYC procedure online is as follows:

1) Authentication with biometrics

Customers who pick biometrics for Aadhaar e-KYC verification needs to follow the below-mentioned steps.

Step 1: Give your service provider your Aadhaar card. They will take note of your Aadhaar, or Unique Identification Number (UID).

Step 2: They will use a biometric scanner to capture and read your fingerprint or retinal image.

Step 3: This value is then sent to the UIDAI, which compares it to the value already connected with your Aadhaar in its database.

Step 4: Once your values align, your identity is effectively formed.

Once the verification process is completed, UIDAI will give the service provider access to your personal information, such as your date of birth, address, and photograph.

The UIDAI also allows the agent to maintain a soft copy of such information on their servers, which they can access as needed.

2) Authentication with mobile OTP

Here’s how to do KYC Aadhar with mobile OTP. One can alternatively utilize the OTP-based authentication approach, which is described below.

Step 1: Show the service provider your Aadhaar card.

Step 2: The UIDAI will send you an email with an OTP to your registered cell phone number.

Step 3: Enter the OTP into the device provided by your service provider.

Following that, the UIDAI will provide the information to the agent via biometric authentication.

Now, let’s see in which industries the Aadhaar eKYC process is useful.

Applications for Aadhaar eKYC

Aadhaar eKYC, a powerful digital identity verification method, has transformed the way people and companies conduct a wide range of operations throughout India.

Its adaptability and efficiency have made it widely used in a variety of industries. Let’s look at its various applications:

Digital Identity Verification

Aadhaar eKYC is an effective tool for establishing and certifying digital identities in a society that is becoming increasingly digital.

It enables individuals to safely access a wide range of online services, including e-commerce websites and government portals. Individuals may confidently explore the digital world thanks to the seamless validation provided by eKYC.

Furthermore, Aadhaar eKYC is used to provide digital signatures, which ensure the legitimacy and legality of digital documents and transactions. This function has a substantial impact on legal and corporate operations, making it easier to perform transactions and sign agreements online.

Opening Bank Accounts and Financial Services

Aadhaar eKYC makes it easier to open bank accounts by eliminating the time-consuming documentation that is sometimes needed in traditional account opening.

This simpler strategy, which makes banking more accessible to more people, not only reduces administrative expenses for banks but also enhances financial inclusion. It is a critical step in ensuring that everyone can participate in the official financial system.

Furthermore, financial institutions employ eKYC to verify the identity of loan applicants swiftly. This accelerates loan approvals and disbursements, which is especially important during times of financial necessity or emergency. The efficiency provided by eKYC benefits both financial institutions and consumers.

Mobile SIM Card Activation

Aadhaar eKYC has significantly transformed the telecommunications sector.

The activation of mobile SIM cards, which was previously time-consuming, has been modernized. Individuals can go to a telecom outlet, enter their aadhaar number, and complete the eKYC process, which results in immediate activation of their mobile connections.

This not only simplifies the onboarding process for new customers, but it also improves security by guaranteeing that SIM cards are supplied to real users.

Government Schemes and Subsidies

The government’s Direct Benefit Transfer (DBT) scheme uses Aadhaar eKYC to provide subsidies and social benefits directly to eligible beneficiaries. This strategy reduces leakage and corruption by guaranteeing that subsidies reach their intended receivers.

By linking their Aadhaar to their pension accounts, retirees and pensioners benefit from streamlined pension distribution, which reduces delays and ensures timely money

Signzy’s Aadhar ekyc API

Signzy is transforming digital onboarding for financial institutions and organizations by offering a platform that improves speed, accuracy, and the overall digital onboarding experience. Their no-code GO platform enables fully customized workflows, seamless multi-channel onboarding, and fraud prevention. Signzy streamlines the onboarding process and assures regulatory compliance.

FAQs-

1.Which organisations use Aadhaar E-KYC?

Today, numerous service providers use the Aadhaar E-KYC technique to validate consumer information. This facility is used by financial institutions such as banks, mutual funds, and insurance firms, among others.

2.Is E-KYC secure?

Yes, E-KYC is a secure transaction because UIDAI transmits the personal data over an encrypted network.

3.How to Check e-KYC Status?

To check your e-KYC status, go to the UIDAI website. Once you’ve accessed it, you’ll need to enter your Aadhaar number and any other relevant information. The system would display your current e-KYC status, indicating whether it was pending, completed, or required extra steps.

Aadhaar Card number is used as confirmation of identity and address in India. It is a 12-digit unique identity number issued by the Unique identity Authority of India (UIDAI).

The number is unique since it is connected to the individual’s biometrics and cannot be replicated.

Organisations may track fraudulent and ghost identities and take preventive measures as early as the onboarding stage by verifying their Aadhaar cards. What’s better than Aadhaar number verification is quick online Aadhaar verification via the aadhaar card verification API.

What is aadhar authentication?

Aadhaar authentication is the process of verifying an individual’s unique identification by using their Aadhaar number. It allows service providers to check individuals’ identities before providing them with services or benefits

When an individual gives their Aadhaar number for authentication, the requesting organisation sends the Aadhaar number and the individual’s biometric or demographic information to the UIDAI for verification.

The UIDAI checks the given data to the information held in its database. If the details match, the authentication procedure is successful, and the requesting organisation receives a Yes/No response indicating if the identity is valid.

Aadhaar-based authentication allows organisations to eliminate duplication or fraudulent identities, ensuring that only authentic persons are associated with critical business processes.

Aadhaar-based authentication other advantages are mentioned below.

Signzy’s Aadhaar Verification API Advantages

Ease in access

Signzy’s Aadhaar verification API is optimized for seamless user experience.

Regulatory compliance

Signzy’s Aadhaar card API verifies the information submitted to the Aadhaar department, ensuring it is legitimate and accurate.

Prevents identity fraud

Aadhar kyc API detects fraudsters who use phony aadhaar cards or credentials.

Real-time Verification

Data is retrieved and confirmed in only a few seconds, saving you time and money.

Instant onboarding

In about 2-5 minutes, you can onboard clients, third parties, and employees safely using Signzy’s

How Does Signzy’s aadhaar verification API Work?

Our aadhar verification API is very easy to use. Here are the steps you need to follow:

First, you have to upload the ZIP or XML file of Aadhar downloaded from the UIDAI website.

The information is then retrieved by a real-time database check or an OCR run.

Your instant Aadhar Verification is completed and ready for response.

Aadhar verification has some challenges. Let’s discuss them and their solutions.

Challenges with Aadhaar card verification

If the aadhaar card is submitted offline, the organisation can check the duplicate against the applicant’s original aadhar card. In this instance, there would be no problem determining the card’s legitimacy. However, problems arise when a soft copy of the aadhaar card is submitted to the organisation and needs to be authenticated using API to verify aadhar number.

Furthermore, if the business transforms the physical copy of the Aadhaar card to a digital version before conducting verification, the verification department may experience difficulties. These obstacles can arise from the following common issues –

Distorted images

If the scanned or digitized image is cloudy or blurry, the right data cannot be recovered. Furthermore, it calls into doubt the data’s legitimacy and may provide unreliable information.

Cyber fraud is becoming more common as the internet has advanced. Cybercriminals can misuse, morph, and use other people’s data to commit cyber fraud. There is a substantial risk of cyber fraud with digital aadhaar cards, and the aadhaar card’s legitimacy is called into question.

Physical verification is inefficient

Physical verification is one method for eliminating the potential of online fraud. However, physical verification is not practicable in today’s digital age, and it also needs the business to invest valuable man-hours, which is useless and increases costs.

The firm thus needs a digital method to validate its applicants’ Aadhaar cards, which is where Signzy comes in. Signzy provides enterprises with a digital API that allows them to validate Aadhaar cards in real time without the risk of errors or fraud.

FAQs

1.Who Can Use Aadhaar Verification APIs?

Aadhaar Verification APIs can be used by a variety of businesses and sectors to streamline their identity verification operations.

Banks and financial institutions use aadhaar authentication APIs to verify customers’ identities while opening accounts, applying for loans, and doing other financial operations.

Telecom businesses can use aadhaar verification APIs to authenticate clients while issuing new SIM cards or mobile connections.

E-commerce platforms can use aadhaar card APIs to verify the identities of suppliers and purchasers, hence increasing confidence and security in online transactions.

2.What are the different types of Aadhar card verification?

There are two type of aadhar APIs: Verification API and Validation API.

The Aadhar validation API is a simple API for verifying the authenticity of aadhar cards. The Aadhar Verification API is more advanced, as it can validate each data point on the aadhar card.

3.How does Aadhar Verification API ensure security?

Aadhar verification API ensures security to a great extent as it verifies an individual’s data with the UIDAI database.

4.Does the Aadhaar Verification API have any limitations?

To protect the security and privacy of people’s personal information, there are certain limitations on using the Aadhaar Verification API. Companies should abide by the UIDAI’s guidelines and use the API only for the authorized uses permitted by law.