Nam A Bank needed an easier way to authenticate customer information and identities that could seamlessly work with their existing application. They sought a biometric solution that was fast, secure, and convenient.

SmartOSC was selected to assist Nam A Bank in customizing and integrating world-class 3D biometric identity verification technology for user authentication into their existing Open Banking application.

As the first 3D biometric identification application in Vietnam's banking industry, this enhancement is expected to bring the bank's vision to life and revolutionize the customer experience.

This solution combines the perfect harmony of data encryption and anti-fraud tools. During customer onboarding, a quick video selfie verifies the following:

• 3D Liveness: Ensures the captured face is real and not a photo.
• ID Comparison: Compares the user’s face to their ID photo.
• Optical Character Recognition (OCR): Uses OCR to read the text on the ID.
• Duplicate Search: Checks if the user’s face is already registered to detect duplicates.

After onboarding, whenever a customer uses the Open Banking app, facial authentication compares 3D liveness with Nam A Bank's records. If matched, access is granted without the need for a password.


In addition to detecting fraudulent documents, SmartOSC’s eKYC solution reduces manual data entry errors. This allows the bank to cut operational costs and speed up product launches to better serve customers.

While maintaining the highest security standards, biometric identification also simplifies other processes. It enables customers to enjoy various benefits with a single touch, including digital onboarding, login processes, and transaction authentication for payments and transfers. Now, bank clients can save time and have greater control over their financial activities.