Non-documentary Verification

Overview

Non-documentary verification confirms a customer’s identity using methods other than physical IDs, such as database checks, utility bills, or credit history. It is widely used in regions where document access is limited or digital onboarding is prioritized.

Regulators permit non-documentary methods under risk-based frameworks, provided accuracy and reliability are maintained. Banks, fintechs, and payment providers use these checks to speed up onboarding, improve accessibility, and prevent fraud.While convenient, non-documentary verification must be combined with other methods to prevent identity theft and synthetic fraud. It plays an important role in supporting financial inclusion while maintaining compliance standards.

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