Multi-Function Kiosks for Digital Onboarding, Lending & Card Issuance

Explore how each next-generation kiosk reshapes the journey.

From onboarding to origination to instant issuance - transformation made tangible.

Self-Service Customer Onboarding Kiosk

Digitally First. Physically Verified. Compliantly Transformed.

In the recent past, central banks - including Bank Negara Malaysia - boldly embraced fully digital account openings within the same financial institution. But the surge in mule account fraud has triggered a shift in regulatory posture. Today, BNM and its regional counterparts are reinforcing physical verification mandates—particularly for onboarding new customers.

The new normal? Digital-first journeys, with branch-based biometric authentication as the final checkpoint.

Our Customer Onboarding Kiosk enables this exact model: fast, frictionless, and regulator-ready.

The journey begins online. Customers complete digital forms and upload documents - such as NRIC, pay slips, utility bills, or business registrations - via a secure, encrypted portal. These are instantly screened through real-time APIs for AML, sanction list, and credit checks. If all goes well, the customer receives a prompt to visit their chosen branch.

At the branch, a QR code hand-off at the kiosk resumes the application without delay. Depending on the customer’s profile and submission path, the kiosk then takes one of two routes:

If all documents were successfully uploaded and validated online, the kiosk skips directly to biometric e-KYC - verifying identity with facial recognition, liveness detection, and optional fingerprint scanning.

If the customer is from an underbanked, rural, or walk-in demographic, the kiosk activates its AI-driven document scanner. It captures physical documents in real-time, verifies formatting, signature placement, expiry dates, and completeness—and guides the user to correct issues on-screen before proceeding. This scanner acts as both a failsafe and a primary onboarding tool for document-heavy branches.

In both cases, once the identity is verified, the customer receives instant account activation. No teller queue. No paper trails. Just a seamless, branch-integrated journey that satisfies regulators and impresses customers.

Why It Matters to Your Bottom Line

Reduces fraud exposure by aligning with BNM’s 2024 e-KYC reinforcement

Cuts onboarding time by over 60% with pre-validation and in-kiosk guidance

Extends reach into rural and unbanked markets without compromising compliance

Delivers a consistent CX across digital, branch, and mobile touchpoints

At-a-Glance Features

Secure digital onboarding with form fill and document upload

Real-time AML, sanction, and credit scoring via API

QR/token-based application resume at branch kiosk

Biometric e-KYC: facial match, liveness, optional fingerprint

AI document scanning for physical submissions: format checks, error prompts

Seamless CRM and mobile app integration post-activation

Outcome: You’re not just onboarding accounts - you’re onboarding trust. With a kiosk model that’s digitally efficient, physically compliant, and built for scale, banks can meet regulatory expectations while exceeding customer ones - all within a next-generation, relationship-driven branch.

Self-Service Loan Origination Kiosk

Click-to-Brick Lending - Approved Online, Finalised in-Branch

Your most profitable products shouldn’t be your slowest. With our loan origination kiosk, customers complete 90 percent of the application at home—uploading pay slips, bank statements, business-registration docs and more through a secure digital portal. A maker–checker engine runs e-validation, AML screening and credit scoring in the background, so by the time the applicant steps into your branch they’re already pre-cleared.

At the kiosk, a quick QR-code hand-off resurrects the file in seconds. The terminal then performs last-mile eKYC: biometric face-match, liveness check, digital signature and optional original-document scan. An ambassador is on hand for advice, but not paperwork—turning what was once a 3-day cycle into a 10-minute, straight-through experience.

Why It Matters to Your Bottom Line

Revenue now, not later. Instant approvals accelerate loan book growth and interest income

50 %+ cost-to-serve reduction. Maker–checker hubs handle validation; branch staff focus on advisory

Higher pull-through. Customers arrive pre-approved and emotionally primed to sign

Reg-ready compliance. Full audit trail, automated risk checks, and secure biometric verification

At-a-Glance Features

End-to-end digital document capture & OCR validation

Real-time credit-bureau and income verification APIs

One-time QR/token to resume the application in-branch

Liveness-verified facial match and e-signature pad

Auto-generated term sheet (print or digital) for immediate acceptance

Outcome: a phygital branch journey that pairs digital speed with human relationship banking - delivering loans faster, cheaper and with a customer experience competitors can’t match.

Self-Service Credit Card Application Kiosk

From Pre-Approval to Activation - All in One Branch Visit

In traditional credit card journeys, customers wait days for approval, then another week for fulfilment—and only activate once the card reaches home. But in a world of real-time expectations, next-generation branches can do better.

Our credit card application kiosk enables a fully phygital experience: customers complete their application online - uploading salary slips, employment letters, and ID documents via a secure portal. Behind the scenes, your maker-checker approval process verifies income, screens for risk, and pre-clears the application.

Once approved, customers are prompted to visit any branch at their convenience. At the kiosk, they scan a one-time QR code that securely pulls up their application. With a few guided steps—biometric verification, digital signature, and optional original-document scan—the customer is done.

The final mile? Instant activation. They receive their physical card right there, and the kiosk walks them through PIN setup, security phrase, and even links to the mobile app. Prefer a virtual-first flow? The kiosk offers that too—activating a digital card on the customer’s phone while they’re still on-site.

And if they’re in a rush? Customers can simply complete identity verification, collect their card, and finish the activation at home. Flexible. Secure. Built for the way people bank today.

Why It Matters to Your Bottom Line

Compresses time-to-spend from 7 days to 15 minutes

Lowers fulfilment costs vs. postal delivery

Boosts activation and usage rates through guided in-branch setup

Creates a seamless CX across online, mobile, and branch touchpoints

At-a-Glance Features

Pre-application with document upload and remote approval

Secure QR-code hand-off to resume application at any branch

Instant EMV card issuance or digital card activation on mobile

In-branch PIN, CVV and security phrase setup

Optional “pick up and go” mode with deferred activation at home

Outcome: You move beyond card issuance to deliver a card experience - fast, personal, and omnichannel. Your customers leave the branch ready to spend, and your bank gains activation uplift, interchange revenue, and long-term loyalty - all within one frictionless visit.

Next Generation Multi-Function Kiosks

Enabling the Phygital Branch of the Future

Here’s what sets them apart

Explore how each next-generation kiosk reshapes the journey.

Self-Service Customer Onboarding Kiosk

Digitally First. Physically Verified. Compliantly Transformed.

Self-Service Loan Origination Kiosk

Click-to-Brick Lending - Approved Online, Finalised in-Branch

Self-Service Credit Card Application Kiosk

From Pre-Approval to Activation - All in One Branch Visit

Let’s Build What Your Branch Needs Next