Personalised & Zero-Touch Retail Onboarding AI

    
                Financial Services AI             
                            
        Personalised &
Zero-Touch Retail
Onboarding AI

    
                AI-powered customer onboarding for financial institutions — faster, smarter, fully compliant.

30–50%

Reduction in onboarding steps

Near-Zero

Manual data entry for customers

FCA

Compliant & audit-ready

    
                EXECUTIVE SUMMARY            
                            
        Personalised & Zero-Touch Retail Onboarding AI

TSG’s AI-powered onboarding platform transforms how financial institutions welcome new customers — replacing slow, form-heavy processes with an intelligent, near-instant experience.

The Problem

Traditional onboarding is slow, costly, and frustrating. High drop-off rates, manual document checks, and compliance gaps cost banks millions annually.

Our Solution

An AI engine that combines identity verification, income capture, fraud detection, and risk profiling — all automated, all in one seamless journey.

Business Impact

30–50% fewer onboarding steps. Near-zero manual entry. Faster approvals. Lower cost per customer. Scalable without growing ops headcount.

Who It's For

Retail banks, challenger banks, and financial services firms seeking to modernise customer acquisition, meet FCA compliance, and reduce operational risk.

    
                KEY FEATURES            
                            
        What the Platform Delivers

Dynamic Risk Profiling

AI risk engine assesses identity, income & behaviour signals early — reducing steps by 30–50% for low-risk customers.

Address Auto-Resolution

Extracts and validates UK addresses from ID or utility docs. Flags mismatches automatically.

Conversational AI Avatar

Chat or voice-guided onboarding. Asks only what's needed. Accessible for all users including elderly & mobile-first.

Fraud & Behavioural Signals

Passive fraud detection via typing patterns, session signals, and device behaviour. No extra steps for users.

Explainable AI Decisions

Every decision logged and explained for FCA audits — why a customer was approved, escalated, or checked.

One-Touch Identity Capture

AI reads passports & driving licences — zero typing. Instant KYC via OCR + liveness check.

Income Auto-Capture

Pulls verified income via Open Banking or payslips. No forms. AI classifies employment type.

Intelligent Question Minimisation

AI determines what's known, missing, or inferable — skipping questions entirely for low-risk users.

Progressive Evidence Escalation

Starts with minimal inputs. Requests more documents only when AI confidence drops below thresholds.

End-to-End Onboarding Automation

Combines identity, income & fraud signals to trigger instant account creation for low-risk customers.