CognitoHQ Overview
CognitoHQ, formerly known as Cognito, offers a comprehensive identity verification solution designed to simplify and enhance the customer onboarding process for global businesses. Here’s an overview of the product and its key features:
What Cognito Flow Does
Cognito Flow is a full-stack ID verification service that enables businesses to verify the identities of their customers efficiently and securely, regardless of their location. This solution is tailored to meet the diverse verification needs of customers across different countries and regions.
Key Features and Functionality
Instant PII Verification
Cognito Flow allows for the instant verification of personally identifiable information (PII) such as name, date of birth, and local ID numbers like SSNs, leveraging regional data sources in 36 countries.
Address Verification
The service provides global databases in 15 countries to verify proof of residency without the need for traditional documents like bank statements or utility bills.
ID Document Verification
Cognito Flow verifies various ID documents, including passports, driver’s licenses, and ID cards, using advanced computer vision and anti-fraud measures. It supports over 11,000 document types across 200 countries and territories, and processes verifications in under 30 seconds.
Liveness Verification
To ensure the authenticity of the user, Cognito Flow employs sophisticated facial comparison and 3D facial landmark analysis, confirming that the person providing the ID is real and matches the ID documents.
SMS and Phone ID Verification
The service includes global SMS verification and phone ID linking, which helps in authenticating customers by linking their phone numbers with their real-world identities.
Intelligent Fallbacks
Cognito Flow adapts to different verification methods supported by various countries, offering the lowest friction options first and intelligently falling back to higher friction methods when necessary.
Watchlist and PEP Screening
The solution integrates with Cognito Screening for anti-money laundering (AML) compliance, allowing for watchlist hits review, re-screening, and full audit trails based on customer risk levels.
Simple Integration
Cognito Flow is designed for easy integration, requiring only 20 lines of code to implement. It also offers a no-code interface that allows compliance teams to edit rules and flows without needing engineering intervention.
Reflows and Resubmissions
If a user’s identity verification fails, Cognito Flow allows for easy resubmissions and reflows, either through the dashboard or via the Flow API, making it simpler for customers to correct issues like out-of-focus photos or bad lighting.
Overall, Cognito Flow by CognitoHQ provides a robust, flexible, and user-friendly identity verification solution that streamlines the onboarding process while ensuring compliance and security.