By TPS People

What is Joy ID – eKYC


Know Your Customer or KYC is the mandatory process of identifying and verifying the identity of the client when opening an account and periodically over time. The process consists of a series of checks implemented in the first stage of the relationship with the client to verify that he is who he says he is, taking into account his identity documents and his personification.

KYC procedures defined by banks involve all the necessary actions to make sure their customers are real, assess, and monitor risks. These processes help prevent and identify money laundering, terrorism financing, and other illegal corruption schemes. KYC process includes ID card verification, face verification, document verification such as utility bills as proof of address, and biometric verification.


All businesses and economic agents, especially financial institutions and banks, are experiencing a drastic process of digitization. Digital transformation has been part of the most relevant changes in organizations in the last decade. eKYC, or electronic Know Your Customer, is a remote and paperless process helping verify a customer’s identity, assess risks and detect frauds in online transactions, including account opening, logging, loan, and payment registration. With eKYC, bank account opening and customer onboarding become much easier, as customers do not need to go to branches or wait for identity verification, also banks and financial enterprises can minimize the costs and traditional bureaucracy necessary in KYC processes.

The identification and verification of the identity of the clients occur immediately, helping businesses to increase their conversion rate, comfortable and simple experience to their clients. eKYC processes increase customer satisfaction and ensure that clients can make use of the service from the first moments in which the business has contact with them.


Joy ID – eKYC is an Artificial Intelligence solution for electronic Know Your Customer, developed by TPS Software Corp. With the vision to transform the experience of identification, Joy ID was created with top-notch AI technologies to make the Know Your Customer process as easy as 1-2-3 in 3 simple steps: take a selfie, upload the ID photo, and get the result. Though the whole process finishes in almost 2 seconds, Joy ID guarantees the accuracy at 99%, even higher than that made by humans. Leveraging Joy ID can benefit businesses in increasing conversion rate by 40%, reducing 80% cost, and standardizing the process to prevent manual errors.

All advantages of inventive technologies allow Joy ID to accomplish the KYC process with a joyful experience for various authentication purposes. Joy ID allows ID verification with high accuracy and privacy to streamline the onboarding experience with no requirement of face-to-face encounters and less manual reviews such as inputting customers’ information, printing, and storing a whole bunch of documents. Besides, liveness detection of JoyID enables precise facial verification to log in with 99.98 % accuracy, making it more secure than a password, face ID, or even OTP so that to enhance user experience with friendly login, faster, more accurate, and more secure. Also, JoyID is able to detect ID fraud in manipulating ID or facial spoofing thanks to deep learning technology trained with the dataset of 6 million Vietnamese ID documents and faces. The facial biometric authentication helps protect user’s accounts to secure high-risk transactions as well.


To accomplish authentication tasks, Joy ID – eKYC performs features:

  • Identity document verification: Joy ID can determine whether the ID document ( National ID, Passport, Driver license) is authentic or manipulated
  • Fraud Detection: Joy ID can detect manipulated ID by blur and glare detection, expired ID, and spoofing
  • Character recognition: OCR (Optical Character recognition) applied in Joy ID allows it to extract and digitalize information form ID with 98% accuracy
  • Liveness detection: Joy ID can determine in 2 seconds whether the user’s selfie is alive human or a fake representation from the photo, video, or spoofing
  • Facial comparison: Joy ID can determine whether the selfie photo that has been taken matches the photo on the ID in a 10-year discrepancy

For more information about features of Joy ID – eKYC, click here


Joy ID – eKYC is developed with innovative Artificial intelligence technology including Deep Learning, Facial Biometrics, and  Anti Spoofing. Joy ID was trained with a large dataset of over 6 million Vietnamese ID documents and faces to classify documents and faces with pinpoint precision. Taking advantage of all available features of a human face (Age, Skin texture, Iris, Gender,…), the Facial-biometrics of Joy ID is capable of making the most accurate biometric prediction. Certified passive anti-spoofing procedure at 99.98% validated acceptance rate for over 2 millions of extreme test cases (Face mask, video playback, Printed papers, digital images,…) for both Face and ID Documents allows Joy ID-eKYC to detect spoofing with high accuracy.

For more information about the technology of Joy ID – eKYC, click here