KYC + Mobile 2FA Verification Solution

Overview

Persona’s KYC + Mobile 2FA Verification solution enables organizations to verify an individual’s identity through government-issued ID along with a selfie liveness check and verify a phone number ownership through two-factor authentication (2FA) or text message. This solution is commonly used for onboarding flows where both identity verification and phone number verification are required.

In this guide, learn:

• What’s included in the solution
• How the components work together to verify identity and phone number ownership
• How to customize and extend this solution for your specific needs

What’s Included

The KYC + Mobile 2FA Verification solution includes the following components:

1 Inquiry Template

• Mobile 2FA Verification
  • Verifies the ownership of the provided phone number using two-factor authentication (2FA) via call or text.
• Government ID Verification
  • Automatically collects all ID types by default, including US driver’s licenses and state IDs. You can modify the accepted ID types by following this guide.
  • Requires a Barcode Check which means that both the front and back of ID are collected. While this required check introduces some friction to the user experience, it greatly improves extraction accuracy and overall user experience.
  • Inquiry theme can be customized to match your company’s branding and user experience.
• Selfie Verification
  • Performs selfie liveness checks to confirm identity.

2 Workflows

• Run 'Decision' on Inquiry Completed triggered on inquiry completion
  • Automatically reviews verification results and applies any additional business logic or decisioning rules.
  • Can be extended to include additional actions such as flagging high-risk cases or triggering notifications.
• Run 'Decision' on Inquiry Failed Workflow triggered on inquiry failure
  • Automatically creates a case for failed inquiries

1 Case Template

• KYC + Mobile 2FA Manual Review
  • Creates a Case if the user fails the verification or if additional manual review is required.
  • Includes tags or comments indicating why the Case was created, allowing your team to review and resolve cases as needed.

KYC + Mobile 2FA Verification Solution Process

Here’s how the components work together to verify a user’s identity and phone number ownership:

1. The Inquiry collects the user’s government ID and selfie liveness check, and performs phone number verification through 2FA.
2. If the Government ID Verification passes, the Inquiry automatically runs a Selfie Verification.
3. Once the Inquiry is completed, the Run ‘Decision’ on Inquiry Completed Workflow is triggered to apply your automated decisioning logic based on the verification results.
4. If the Inquiry fails or requires additional review, a KYC + Mobile 2FA Manual Review Case is automatically created for your team to review and finalize the decision.

If you’re interested in advanced phone-related verifications or reports like verifying phone ownership through telecom records or risk-related reports, contact your customer success manager or reach out to the Persona support team.

Where to find this Solution

This solution is available to organizations in the Solutions Library. The Solutions Library includes helpful pre-configured combinations of Persona products and features that can be a good starting point for many businesses or use case.

To get to the solutions library:

1. While viewing the Dashboard, click Home in your navigation
2. Under Explore all solutions, click Browse.

Solutions in the solutions library generally include end user verification flow or experiences powered by Inquiry Templates and Verification Templates. They also feature Workflows that automatically approve an Inquiry or create a Case when risky signals (like a failed Verification) are found, and a Case Template to ensure that your business is well set up for reviewing these higher risk scenarios.

Plans Explained

Learn more about pricing and plans