Document fraud
Forged or borrowed documents at account opening, for credit, for over-the-counter withdrawals.
PLATFORMS · DIGITAL IDENTITY
In production · notaries, SGCI, UBA, BGFI
Your customers’ identity,
verified at the source.
An ONECI product designed by Synelia, ONECI Connect confirms in real time, from the national ID number, that the person presenting is the one registered in the civil register, in a branch, on mobile or online. Synelia integrates it into your systems.
WHY NOW
The weak link in KYC is the document.
As long as identity relies on a presented document, the organisation inherits the risk of forgery with no way to remove it. The ID card is checked by eye, never against the register that issued it.
Yet the regulatory framework requires identity to be verified against a reliable, independent source. In Côte d’Ivoire, that source exists and it is unique: the National Register of Natural Persons (RNPP). ONECI Connect opens up access to it.
THE RISKS
What a document
does not prove.
Identity theft and mule accounts
Accounts opened under a real identity by someone else, then used for fraud or money laundering.
SMS codes bypassed
SIM swap and phishing: the code proves possession of a phone, not the person’s identity.
HOW IT WORKS
A four-step flow,
invisible to the customer.
Example: account opening on a bank’s mobile app.
Request
The customer enters their NNI in the journey: account opening, sensitive transaction, KYC update.
Organisation’s journeyBiometrics
Face or fingerprint capture, on the customer’s phone or at the counter.
With consentVerification
Encrypted real-time query of the RNPP, via ONECI Connect.
Source: RNPPResponse
Time-stamped Yes / No result, returned to the IT system. No biometric data stored.
Archivable proof
A TRUST FRAMEWORK
Three roles,
clearly separated.
Owner
ONECI
Owner of ONECI Connect and guardian of the RNPP. Sets the access scope, governance, consent and traceability. Biometric data stays within its sovereign perimeter.
Designer and integrator
Synelia
Designed the solution for ONECI. Supports its integration into your systems (core banking, mobile, branch) and provides support and upgrades. Stores no personal data.
User
Your organisation
Consumes the service in its journeys, retains the customer relationship and the final decision, and archives the proof of verification.
USE CASES
Where identity
must be certain.
Customer onboarding
Account opening in branch or 100% remotely, with civil-status data pre-filled.
- From days to minutes
- Proof added to the KYC file
Sensitive transactions
Strong authentication for transfers, new beneficiaries and access resets.
- Alongside or instead of the SMS code
- Instant-payment compatible
KYC refresh
Customers update their file from their phone, without visiting a branch.
- Fewer frozen accounts
- Demonstrably compliant customer base
Anti-fraud
A verified NNI matches a single person: borrowed identities and multiple accounts become visible.
- Money mules and bursts of account openings
- Stronger AML/CFT files
Branch counter
Verification in seconds for a large withdrawal or an unusual transaction.
- Standard camera or reader
- No proprietary hardware
Online public services
Issuing documents and certificates to policyholders and service users.
- CNPS pilot under way
- Online certificates
SECURITY AND COMPLIANCE
Designed for
sovereign data.
End-to-end encryption
Every exchange between your IT systems and the RNPP is encrypted. No biometric data is processed in clear outside ONECI’s perimeter.
Zero third-party storage
Synelia stores no biometric or personal data. Only the result and the verification identifier are transmitted.
Ivorian legal framework
Processing compliant with Law No. 2013-450 on personal data, architecture reviewed with ARTCI, explicit customer consent.
Traceability
A time-stamped evidence log for each verification, usable by internal audit, statutory auditors and supervisory authorities.
IMPLEMENTATION
From agreement
to full roll-out in 90 days.
Pay-per-verification pricing, decreasing with volume, with no heavy licence or hardware investment.
Scoping
Choice of pilot journey, ONECI access agreement, designated teams.
D+0 → D+15Integration
Sandbox access and documentation, API integration, acceptance testing.
D+15 → D+45Pilot
Opening to a subset of customers, before/after measurement.
D+45 → D+90Full roll-out
Extension to other journeys, scaling up.
D+90 →PROGRESS TO DATE
Evidence,
not promises.
In productionWith notaries and at SGCI, UBA and BGFI banks
Pilot under wayWith CNPS, for issuing certificates online
Framework validatedArchitecture reviewed with ARTCI, direct connection to the RNPP
We were fortunate to work with [Synelia] to set up several sensitive platforms. Their team demonstrated outstanding technical expertise and a deep understanding of our specific needs.
FREQUENTLY ASKED QUESTIONS
What we’re
often asked.
What about non-Ivorian customers?
ONECI Connect covers people registered in the RNPP. For others, the current process is retained; extension to residence permits is part of ONECI’s roadmap.
What happens if the registry is unavailable?
A fallback mode is defined with you: the transaction is put on hold or verification is deferred. Availability commitments are set out in the contract.
Who decides in the event of a rejection?
The decision remains with your organisation. A biometric rejection triggers manual handling, never an automatic refusal.
Is equipment needed in branches?
Not for the mobile journey. At the counter, a standard camera or fingerprint reader is enough.
ONECI CONNECT
Which journey do you want
to secure first?
Mobile account opening, sensitive transactions, KYC updates or branch counter: we prepare the integration with you.
Talk to us about ONECI Connect