Platform Release 3.26.0

Shaype platform release, focusing on:Customer Onboarding

KYC Onboarding Improvements

We have released a change to our processing of document data to improve outcomes for customers who are using Australian Drivers Licences during their onboarding journeys.

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Concern

We have noted that Australian drivers licences with the new licence number on the back of the card have performed poorly on data extraction during onboarding which was leading to the need for manual intervention from operational support colleagues to progress the customer's onboarding journey.

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Improvement

We have delivered a change that allows our system to utilise additional customer-provided document data for the drivers licence number.

When our document assessment provider (currently Jumio) is unable to extract drivers licence number from the licence, the system will now fallback to the customer profile to allow the appropriate checks to be completed in Green ID.

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Data Dictionary

Australian Drivers Licences have recently been updated to include a secondary licence number on the back of the licence. This has not been adopted across all states but is expected to be countrywide eventually.

In our system we represent this value as "identityDocumentCardNumber"

Source

Onboarding Journey Impact

1. Create Customer When creating a customer with document data for a Drivers Licence with an Drivers Licence Card Number (example payload below).
2. The data for this document is stored in our system.
3. When a customer uses that document to confirm their identity later in their onboarding journey our service provider (Jumio) analyses the document image and returns the data it has extracted to us.
4. Previously we would rely solely on the data verified by Jumio when progressing with the next step of the Know Your Customer checks via Green ID. We have modified this behaviour so that if Jumio cannot extract the "identityDocumentCardNumber" from the Drivers Licence we revert back to the data entered by the customer when their profile was initially created.

Example Customer Create Payload

{
    "customerDetails": {
        "title": "Mr.",
        "firstName": "Sigrid",
        "middleName": "Alexanne",
        "lastName": "Gutmann",
        "preferredName": "Jeffrey Shanahan I",
        "dateOfBirth": "1990-04-21",
        "gender": "OTHER"
    },
    "customerHayId": "dda5055e-ecda-4c75-9c31-f5d4059c65dd",
    "email": "[email protected]",
    "address": {
        "line1": "11 York st",
        "townOrCity": "Sydney",
        "administrativeRegion": "NSW",
        "postcode": "2000",
        "countryCodeIso": "AUS"
    },
    "phoneNumber": {
        "countryCodePrefix": "61",
        "numberAfterPrefix": "4021041796"
    },
    "deviceId": "NOT_SPECIFIED",
    "tier": "STANDARD",
    "status": "ACTIVE",
    "identityDocumentNumber": "1706611435",
    "identityDocumentType": "DRIVING_LICENSE",
    "identityDocumentIssuingCountry": "AUS",
    "creationDateTimeUtc": "2024-01-30T10:43:55.485151Z",
    "identityDocumentCardNumber": "FCC681230" *Drivers Licence Card Number*
}