Digital Account Onboarding Complete Guide

A mobile-led look at every screen, integration, and audit trail that sits behind a Cloudcase onboarding flow.

Open a deposit, lending, or bundled account in under five minutes, without losing a single compliance step.

Time to account

4 min 12 s median

Drop-off (mobile)

11% — KYC pass-rate

94.6% — AML/CTF screening

Real-time

Audit retention

7 years

CDR provider

Basiq · Illion

Minutes

vs days onboarding

24/7

Self-service availability

Real-time

Account provisioning

100% — Audit trail coverage

Three device screens, end to end

The journey, on the device that 78% of applicants use first.

9:41

5G ●●●●

Scan your licence

Verify identity

Front of licence

Back of licence

Selfie + liveness check

92% pass first attempt

Step 1 · Verify identity

9:41

5G ●●●●

Open Banking / CDR

Connect bank data

ANZ · checking

CBA · savings

Westpac · joint

Income pre-filled

Step 2 · Connect bank data

9:41

5G ●●●●

Bundle and confirm

Pick products

Everyday transaction account

High-interest saver

Low-rate credit card

One submission · three accounts

Step 3 · Pick products

The orchestration behind the screens

What every tap triggers in the platform.

Identity Verification

OCR + biometric match + liveness + electronic verification, fanned out in parallel, results back inside 8s.

GreenID

FrankieOne

IDMatrix

GBG

ApplyID

AML/CTF Screening

Sanctions, PEP, adverse media against AUSTRAC-listed sources before the application is allowed to progress.

OFAC · UN · EU · AU

PEP cohort

Adverse media

Enhanced DD

Open Banking / CDR

Income, expenses, and asset positions pulled directly, so applicants stop typing and drop-off drops with it.

Basiq

Illion CDR

Income classifiers

Auto-categorisation

Entity & Beneficial Owners

For non-individuals: company, trust, partnership graphs captured with directors and UBOs.

Trust structures

Director capture

25% UBO threshold

Cross-application reuse

Verification methods: pick any, combine any

Document scan

Document verification

OCR extraction, authenticity checks, tampering detection

Selfie + liveness

Biometric verification

Facial match, liveness detection, spoof prevention

EV lookups

Electronic verification

Government registers and credit bureau database lookups

KBA questions

Knowledge-based verification

Questions sourced from authoritative records

Go deeper in this series

In-depth guides in the account onboarding cluster.

See it in motion

See onboarding in motion

Walk through the entire applicant journey, plus every integration and audit trail behind it.