CASE STUDY
Digital Transformation of Ajman Bank with Codebase Technologies and IDWise
With the UAE facing more than 50,000 cyberattacks daily, the need for secure and reliable digital identity verification is critical. Ajman Bank partnered with Codebase Technologies and IDWise to strengthen digital onboarding on its retail banking SuperApp, combining Digibanc’s digital onboarding capabilities with IDWise’s AI-powered eKYC technology to deliver a seamless, secure, and compliant onboarding experience.
Project Overview
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As digital banking adoption accelerates across the UAE, so does the need to secure customer identities from the very start of the relationship. With cyberattacks running into the tens of thousands daily, Ajman Bank recognized that stronger identity verification was essential – but not at the expense of a seamless onboarding experience. The bank partnered with Codebase Technologies to strengthen digital onboarding within its retail banking SuperApp, combining Digibanc’s digital onboarding capabilities with IDWise’s AI-powered identity verification and e-KYC (electronic Know Your Customer) technology.
The partnership brought together Codebase Technologies’ digital banking expertise and IDWise’s AI-driven ID&V (Identity and Verification) capabilities to strengthen fraud prevention and digital onboarding. Integrated with Digibanc, IDWise’s technology can process 13,000+ government-issued IDs across 190 countries with a 95% first-time acceptance rate, even under challenging conditions such as low-quality images and varying device capabilities. The integration has also driven a 40% reduction in fraud-related incidents and up to 50% lower operational costs, while supporting faster, more secure, and compliant onboarding.
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Client's Mission & Expectations
Ajman Bank wanted to make digital onboarding a competitive advantage, not a compliance hurdle. The mission was to strengthen digital identity verification, fraud prevention, and e-KYC while making account opening faster and easier for customers.
The bank wanted a solution that could deliver high-precision ID&V, AI-powered OCR and document verification, biometric authentication, and secure identity validation across diverse customer profiles and document types, without adding friction or unnecessary retries. It also needed to strengthen UAE Central Bank compliance, reduce operational overhead, and create a more scalable foundation for secure, efficient digital customer acquisition.
How Codebase Technologies and Digibanc Made It Possible
Codebase Technologies worked hand in hand with Cedrus Bank right from the preliminary stages, through workshops and discovery sessions to align objectives, map customer journeys, define integrations, establish UX foundations, and plan phased delivery. From there, both teams worked together through implementation, supported by our local multidisciplinary team of solution architects, engineers, designers, QA specialists, project managers, and integration experts, carrying the project through to deployment and launch.
What IDWise & Codebase Delivered for Ajman Bank's
Together, Codebase Technologies and IDWise transformed Ajman Bank’s digital onboarding into a more secure, intelligent, and frictionless experience. Digibanc provided the digital banking foundation, while IDWise’s AI-powered ID&V and e-KYC capabilities strengthened identity verification and fraud prevention.
Fraud prevention, built into the backend
Security and fraud prevention were strengthened through secure backend processing, enabling advanced ML and AI-powered fraud detection models to identify and mitigate potential threats. Processing digital identity verification and identity checks away from the mobile device reduced exposure to manipulation, helping protect customer identities and strengthen Ajman Bank’s fraud prevention capabilities.
Verification without the friction
IDWise’s AI-powered identity verification automatically recognises document types and countries without requiring customer input. Its auto capture capability addresses glare and other poor image conditions, providing instant feedback when a different document is required. This makes document verification faster and reduces unnecessary retries during digital onboarding.
Fewer vendors, lower costs
Only high quality, fully vetted profiles were passed through for further identity verification and e-KYC checks, reducing redundant verification and associated government service costs. By consolidating ID&V, e-KYC, biometric verification, document validation, and OCR into one comprehensive solution, Ajman Bank reduced its reliance on multiple vendors while gaining a more efficient identity verification process.
Built to scale and comply
IDWise’s small SDK enabled deployment across devices, including older smartphones with limited storage. Flexible UI/UX and configurable rules streamlined e-KYC and compliance processes, reducing back and forth between customers and compliance teams. Hosted in the UAE, the solution also supported UAE Central Bank requirements for secure, compliant digital onboarding and identity verification.
Outcomes
The partnership between Ajman Bank, Codebase Technologies, and IDWise brought the bank’s digital onboarding vision to life, combining advanced technology with a customer centric approach. The transformation delivers value across the onboarding journey, from the way customers verify their identities to how the bank manages the process behind the scenes.
For Ajman Bank’s Customers
Customers can now complete onboarding through a faster, more seamless digital journey, with fewer barriers between identity verification and account access. Stronger security measures provide greater confidence from the first interaction, while intelligent verification helps create a smoother experience across different documents and customer profiles.
For Ajman Bank’s Operations
The solution has helped streamline identity verification and e-KYC processes, reducing redundant checks, vendor dependencies, and associated operational costs. Combined with Digibanc’s flexible architecture, this gives Ajman Bank a more agile foundation for adapting its onboarding processes and introducing new digital capabilities as requirements evolve.
“Codebase Technologies and IDWise have been trusted partners in our digital transformation journey. Their expertise and innovation have played a pivotal role in creating a seamless and efficient digital onboarding experience for our customers that is enhancing our operational efficiency and ability to attract new customers to our bank. This collaboration has significantly enhanced the user experience, making banking easier and more accessible while ensuring the highest levels of security and compliance through cutting-edge onboarding features.”
Subhi Hussein Subhi,
VP Head of Digital Transformation, Ajman Bank
Frequently Asked Questions
What is the Ajman Bank and IDWise partnership about?
Ajman Bank partnered with Codebase Technologies and IDWise to strengthen identity verification and fraud prevention across its retail banking SuperApp’s digital onboarding. The solution combines Digibanc™’s digital onboarding capabilities with IDWise’s AI-powered ID&V and e-KYC technology to deliver secure, seamless, and compliant customer onboarding.
What platform powers Ajman Bank’s digital onboarding?
Ajman Bank’s digital onboarding is powered by Codebase Technologies’ Digibanc platform and integrated with IDWise’s AI-powered ID&V and e-KYC solution.
Why did Ajman Bank prioritize identity verification?
With more than 50,000 cyberattacks reported daily in the UAE, Ajman Bank needed to strengthen customer identity verification and fraud prevention from the start of the onboarding journey while maintaining alignment with UAE Central Bank requirements.
What is IDWise?
IDWise is a B2B SaaS regtech company specializing in AI-powered identity verification, e-KYC, and fraud prevention. Its technology can process more than 13,000 government-issued IDs across 190 countries and supports identity verification across diverse documents, scripts, and customer profiles.
How does IDWise reduce friction during onboarding?
IDWise automatically recognizes document types and countries without requiring customers to provide this information manually. Its auto-capture capability also addresses glare and other image quality issues, providing instant feedback and reducing retries during identity verification.
Is IDWise’s solution compliant with UAE Central Bank requirements?
Yes. IDWise’s solution was the first Tier 1 Global Standard AI-powered ID&V solution to meet UAE Central Bank requirements, supporting secure and compliant digital onboarding for financial institutions.
What cost benefits did Ajman Bank see from the IDWise integration?
The integration helped reduce operational costs by streamlining e-KYC, minimizing redundant checks, reducing government service costs, and consolidating ID&V and e-KYC capabilities into a comprehensive solution.
How does IDWise use OCR for digital identity verification?
IDWise uses AI-powered OCR alongside document validation and identity verification to accurately extract information from government-issued IDs. Its locally adopted OCR capabilities support diverse document formats and scripts, including non-Latin scripts such as Arabic, helping improve data extraction and verification accuracy during digital onboarding.
