Customer Experience and Onboarding

SSV (Server-Side Verification) and SMV (SIM-based Mobile Verification) are two separate authentication pathways. When SMS delivery fails — due to carrier issues, number porting delays, or network congestion — the failover switches the user to an alternative verification path automatically. Without this, a failed OTP delivery ends the session, and the user abandons. With it, the registration continues. In high-volume onboarding environments, SMS failure rates alone account for a material share of drop-off.

SIM binding registers the user's SIM card identity alongside their account credentials during onboarding. On subsequent logins, the system cross-references the active SIM against the registered one. A SIM swap — where an attacker transfers a victim's number to a new SIM — is detected at authentication rather than after a fraudulent transaction. It operates through native iOS and Android modules, outside the application layer, which makes it harder to spoof.

Scope determines timeline. A greenfield onboarding flow built on React Native with Oracle Banking Platform integration — covering MFA, KYC tracking, and SIM binding — typically runs eight to fourteen weeks from architecture sign-off to production. Engagements that involve migrating an existing onboarding flow have a discovery phase that adds two to four weeks before the build begins.

We have production experience with the Oracle Banking Platform. For other core banking systems — Finacle, Temenos, FIS — integration feasibility depends on the API surface available. We assess this during the discovery phase before committing to a delivery timeline.

KYC data is processed in parallel checks rather than sequentially, which is what reduces approval time. Data handling follows the compliance requirements of the jurisdiction — DPDP in India, GDPR, where applicable. We do not store raw KYC documents beyond the verification window. The specifics of data residency and retention are scoped to each client's regulatory obligations during the engagement.

Off-the-shelf SDKs handle one layer — typically the identity verification check. They do not manage the state of a multi-step flow, the fallback logic when a verification step fails, the integration into the core banking record, or the dashboard visibility that a bank needs to monitor completion rates. Our implementations cover the full flow, including the failure paths that SDKs leave to the bank to figure out.

Yes. The implementation uses React Native for the shared application layer with native iOS and Android modules, where the security requirements — SIM binding, biometric authentication, keychain storage — require platform-level access that a cross-platform layer cannot provide.

The system is handed over production-ready, benchmarked, and documented. Your team can maintain and extend it independently. We do not build on proprietary frameworks that require ongoing vendor involvement to operate. If your team wants a formal support arrangement post-launch, that is a separate conversation.