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@article{175851,
        author = {Ayaan Shaikh and Tanay Soni and Joshua Angre and Yash Tapse},
        title = {A Comprehensive Implementation of an Automated E-KYC System with Master Data Verification and Real-Time Human Verification},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {11},
        pages = {8047-8051},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=175851},
        abstract = {In the digital financial landscape, the Know Your Customer (KYC) process has evolved from paper-based, manual verification to rapid, technology-driven solutions. This transformation has been driven by the need for secure, scalable, and efficient systems that meet the increasing demand for remote access, fraud prevention, and compliance with regulatory frameworks. This paper presents the design and implementation of an automated Electronic Know Your Customer (e-KYC) system with real-time human verification using advanced technologies such as OpenCV, TensorFlow, and OCR. The system introduces behavioral biometrics through eye and hand movement tracking, along with ID extraction and biometric verification against a master government database.
By combining multiple verification layers—including regex-based format checks, temporal consistency validation, deep learning for similarity scoring, and live human verification—the system offers a multi-tiered approach that ensures robust fraud detection. The automated process has significantly reduced onboarding time, cutting down from traditional 42 hours to under 7 minutes per user while achieving a fraud detection accuracy of 94%. Furthermore, the use of asynchronous operations and caching techniques has enhanced system performance, handling over 14,000 daily verifications across four banking institutions in India.
The paper also discusses the challenges faced in implementation, such as poor lighting, occlusion, data synchronization, and privacy constraints. Each challenge was addressed with solutions like adaptive preprocessing, real-time lighting adjustments, asynchronous task queues, and compliance with GDPR and RBI guidelines. Lastly, future enhancements—including cross-border verification, integration of quantum-safe cryptographic methods, and proactive deepfake detection—are proposed to further secure and optimize the e-KYC process. This study highlights a scalable, accurate, and regulation-compliant solution ready for integration into national financial infrastructure.},
        keywords = {},
        month = {May},
        }