TMES – Technology Message
Platforms & Products

Digital Identity & eKYC Platform

Enable secure digital onboarding and identity verification at scale. TMES Digital Identity and eKYC Platform enables organisations to verify customer identity, automate onboarding workflows and ensure regulatory compliance while delivering seamless digital user experiences.

Solution Overview

Secure Identity Verification at Every Touchpoint

TMES eKYC Platform provides an end-to-end digital identity verification capability including document recognition, biometric validation, risk scoring and onboarding workflow orchestration.

Designed for regulated industries including banking, insurance and telco, the platform enables organisations to meet compliance requirements without compromising the speed and quality of the customer onboarding experience.

Business Challenges We Solve
Manual identity verification processes
Slow customer onboarding experience
Increasing regulatory compliance requirements
Fraud and identity risk exposure
Fragmented digital onboarding systems

Platform at a Glance

AI
Document recognition
Biometric
Face & liveness check
Real-Time
Risk scoring engine
Compliant
Audit trail & records
Business Benefits
Faster customer onboarding
Reduced fraud risk
Improved regulatory compliance
Better digital customer experience
Scalable onboarding platform
How It Works

The eKYC Verification Journey

Five seamless steps from identity capture to verified onboarding — completed in under 3 minutes

eKYC User Journey

How Identity Verification Works

Click any step to explore the process

Photo2

Selfie Capture

Guided selfie capture with real-time quality checks for lighting, angle and distance. Instructions ensure consistent image quality for accurate face matching.

97.1%
Image quality pass rate
94.2%
First-attempt success

Document Data Extraction

ID document tailored OCR solution to locate and extract data filed with high accuracy

ID OCR Performance

ID Number98.4%
Name95.4%
Date of Birth96.7%
Address92%

* Accuracy measured on Thai national ID card dataset. Performance may vary based on document condition, lighting and device quality.

บัตรประจำตัวประชาชน

Thai National ID Card

เลขประจำตัวประชาชน
0 0331 11504 13 0

ชื่อตัวและนามสกุล

นายอดิรัตน์ กวินทร์

Name

Adelard

Last Name

Gavyn

เกิดวันที่

23 ม.ค. 2536

Date of Birth

23 Jan 1993

ที่อยู่ 212/1 ถ.ดลรี้ แขวงอัญนมาสี
เขตมาลียงค์ อารัญย์ 01234567

23 ม.ค. 2536

วันออกบัตร

เจ้าหน้าที่ออกบัตร

23 ม.ค. 2536

วันบัตรหมดอายุ

📡NFC Dipchip
📷Camera OCR
Auto Extract
Architecture Approach

eKYC Platform Architecture

A six-layer architecture covering identity capture through biometric validation, risk scoring, workflow orchestration, integration and secure data storage.

01

Access Channels

Every way customers and partners initiate identity verification

Web / BrowserMobile AppCustomer PortalAPI IntegrationPartner / Agent AppKiosk
02

Identity Capture

Capture and extract identity data with high accuracy

ID Document CaptureSelfie CaptureLiveness DetectionOCR Data ExtractionData Validation (Format Check)Biometric Capture (Optional)
03

Verification & Validation

Multi-layer checks to confirm genuine identity

ID Verification (Government DB)Biometric Matching (Selfie vs ID)Liveness VerificationWatchlist & PEP ScreeningFraud DetectionDocument Authenticity Check
04

Decision & Risk

Automated risk scoring and intelligent decision engine

Risk Scoring & AssessmentVerification Rules EngineDecision Engine (Auto / Manual)Case Management (Manual Review)Reason Code & Audit TrailApproval / Rejection Result
05

Integration & Services

Connect eKYC outcomes to your downstream systems

API / SDK IntegrationCRM / Core BankingUser Onboarding & Registratione-Signature IntegrationNotification (Email / SMS)Document Vault & Storage
06

Infrastructure & Security

Enterprise-grade security protecting every identity transaction

Cloud Infrastructure (AWS / Azure / GCP)Data Encryption (In-Transit & At-Rest)Security & ComplianceHigh Availability & Auto ScalingBackup & DRMonitoring & Audit Logging

Layer 03

Verification & Validation

  • Real-time ID verification against national identity database for authenticity
  • AI facial matching compares captured selfie against ID photo at 99.2% accuracy
  • Active and passive liveness checks prevent spoof attacks at every stage
  • PEP, sanctions and watchlist screening against global and regional databases
  • Fraud pattern detection flags known identity fraud techniques in real time
  • Document security feature validation including hologram, MRZ and barcode checks

Click any layer to explore its capabilities

Platform Benefits

Enhanced Security

Multi-layer identity checks prevent fraud and identity theft

Regulatory Compliance

Built for PDPA, AML and financial-sector regulatory requirements

Seamless Experience

Verify customers in under 3 minutes from any device

Operational Efficiency

Automate approvals and reduce manual review costs by 80%

Scalable & Reliable

99.9% uptime with auto-scaling for any verification volume

Trusted & Proven

Deployed across banking, insurance and fintech in Southeast Asia

Trusted Identity.

Smarter Verification.

Verify identities faster, safer and at scale — across every channel.

Key Platform Capabilities

What the Platform Delivers

Digital Identity Verification

Verify national ID, passport and supporting documents with automated document recognition and validation.

Biometric Authentication

Support face recognition and liveness detection to confirm the authenticity of the person during onboarding.

Risk Scoring & Fraud Detection

Analyse behavioural patterns and identity risks to flag suspicious onboarding attempts in real time.

Digital Onboarding Workflow

Automate customer registration and approval processes with structured workflows and configurable decision logic.

Compliance & Audit Trail

Maintain complete identity verification records and audit logs to support regulatory compliance requirements.

Integration with Core Systems

Integrate with banking systems, CRM, data platforms and cloud environments for seamless onboarding experience.

Industry Use Cases

Built for Regulated Industries

Banking Account Opening

Enable fully digital bank account opening with automated document verification, biometric authentication and regulatory compliance.

Insurance Policy Onboarding

Streamline insurance application and policy onboarding with identity verification and automated eligibility assessment workflows.

Telco SIM Registration

Support regulatory SIM card registration requirements with digital ID verification and biometric confirmation at scale.

Digital Wallet & e-Commerce Verification

Enable secure digital wallet activation and marketplace seller onboarding with automated KYC and risk assessment processes.

Why TMES

The TMES Advantage

Digital Identity Delivery Experience
Proven experience delivering digital identity and eKYC solutions across financial services and regulated industries in Southeast Asia.
Enterprise Integration Capability
Strong integration expertise connecting eKYC platforms with core banking, CRM, data platforms and cloud infrastructure.
Secure & Scalable Architecture
Platform designed with security-first principles and scalable architecture to support high-volume onboarding operations.
End-to-End Onboarding Solutions
Full capability to design and deliver complete digital onboarding journeys from identity verification through to account activation.
Certified Excellence

Built on International Security Standards

Our eKYC platform operates under ISO-certified information security and privacy frameworks — independently verified by BSI Group.

ISO/IEC 27001
ISO/IEC 27001Certified 2025

Information Security Management

Structured risk management and data protection controls across all client engagements.

ISO/IEC 27701
ISO/IEC 27701Certified 2026

Privacy Information Management

Responsible data processing practices that reinforce client and partner trust.

ISO/IEC 20000-1
ISO/IEC 20000-1Certified 2026

IT Service Management

Service delivery governance aligned with IT service management best practices.

ISO/IEC 29110
ISO/IEC 29110Certified 2026

Software Engineering Lifecycle

Structured, repeatable and quality-governed technology project execution.

Build Trusted Digital Onboarding Journeys with TMES

Request an eKYC platform demonstration or speak with an identity solution specialist to explore how TMES can transform your customer onboarding.