eKYC Middleware

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Background

When people open a bank account or apply for a loan online, the business must confirm “this person is real, and the identity data matches official records” quickly, securely, and in a way that can survive changes in external services.

In many organizations, eKYC depends on multiple vendors for demographic checks, OCR, liveness detection, and biometric matching so the onboarding flow becomes complex and easier to disrupt when one component changes or fails.

With IBI Middleware, these capabilities are brought together in one integrated layer, providing a single, consistent process and one interface for your applications to connect to.

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Approach

Interbio Technologies provides a middleware layer (think: “traffic controller + translator”) that sits between mobile/web apps and the underlying identity services. It standardizes the process into one consistent flow:

  1. The user submits data and documents (e.g., KTP) and takes a selfie
  2. The system checks the document details (OCR), checks the user is real (liveness), and verifies face biometrics
  3. The system verifies demographic data against government services when required (e.g., Dukcapil)
  4. The business receives a clear result (pass/fail + reason) and can trigger step-up checks or manual review when needed

middleware building blocks:

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BioCheck™

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OCR

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Passive Liveness

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BioCode™

Result

  • DBS: IBI Middleware helps DBS keep demographic verification stable and reliable. It shields the bank from changes happening behind the scenes, reducing disruption, lowering rework, and supporting a smoother onboarding process.
  • Kredit Pintar: A similar middleware approach works well for high-volume lenders. Combining OCR, passive liveness, and biometric checks to keep on boarding fast while reducing spoofing risk.

The middleware consumes upstream API changes—such as new IPs, JSON formats, and response codes—through conversion and remapping, minimizing downstream rework. OCR auto-fill reduces manual data entry, while biometric verification enables seamless online checks. Passive liveness adds anti-spoofing protection without compromising a smooth and simple user experience.