https://docs.google.com/document/d/1-KDhbc8MAyLe_2jXJvOHjzVzGRzjqDXZswbMAtseo-Q/edit?tab=t.0
Cover all scenarios:
Overview: This guide outlines the flow for customers who, after completing the common onboarding steps, choose to proceed for both US Stocks & Mutual Funds MF. It covers both possible scenarios: when a customer is CKYC verified and when they are not CKYC verified, and explains the subsequent steps in each case.
Figma - Onboarding 2.0
Common Onboarding Journey
It refers to the steps in the journey that are common to all users. The path changes only after the user selects their preferred product to onboard for.
Step 1: Customer lands on the Welcome screen to start onboarding
Pointers:
- Customers can change the language as per their preference.
- By clicking on ‘Get started,’ they are redirected to enter their mobile number.
- This screen is common for both new and returning users.
- Note: You can find the detailed guide here - 2.0 Pre sign up
Step 2: Mobile registration and passcode setup
Pointers:
- Customers must enter the mobile number linked to their Aadhaar and complete OTP verification.
- They are then prompted to set and confirm a passcode. For additional security, biometric authentication can be enabled.
- Users who have already signed up will skip this stage and proceed by entering their existing passcode.
- For a new users after completing sign up, you land on the ‘Onboarding progress screen’ the user can either choose to continue onboarding or go back and explore home dashboard, find the guide for this here - Onboarding Progress Screen
Note: You can find the detailed guide here - 2.0 Register Mobile & Password setup
Step 3: KYC and email verification
Pointers:
- After successful registration, customers must grant necessary permissions and proceed with PAN & Aadhaar verification.
- PAN details can be uploaded as an image or entered manually.
- Upon successful verification, users are redirected to Aadhaar Digilocker authentication.
- Any errors identified by the system will be displayed to the user.
- Once KYC is verified, email verification is required to proceed.
Note: You can find the detailed guide here - 2.0 PAN, Aadhar and email verification
Step 4: Account Aggregator setup
Pointers:
Account Aggregator AA is an optional step.
- If the user opts in, they must select their preferred bank, complete two rounds of 2FA authentication, and provide consent to share bank records.
- This helps us assess the user's financial profile and better understand our customer base.
Note: You can find the detailed guide here - Account Aggregator
Step 5: Fill personal details
Pointers:
- Users are required to fill in four mandatory personal details: Place of birth, Country of birth, Marital status, and Annual Income.
- These details are necessary for onboarding into both Mutual Funds and U.S. stocks.
Note: You can find the detailed guide here - 2.0 Common Onboarding - Personal Details
Step 6: Calculate Investor Score & Select a Product
Pointers:
- A user's Pre-Investor Score is calculated based on AA data (if consented) and demographic information such as age and gender.
- The score is displayed along with a rating and relevant investment suggestions.
- Clicking on ‘Improve your score’ redirects users to the Product Selection Page, where they can choose the product they wish to onboard for.
- Based on the user's choice, a Post-Investor Score is calculated and displayed.
- The journey then branches into a tailored path based on the selected product.
Note: You can find the detailed guide here - Investor Score
Step 7: Set up account
. Parents, Professional and Other details
Pointers:
- After completing VKYC and bank account setup NTB or ETB, users proceed to set up their U.S. Stocks trading account. First, they must provide parent details by entering the full names of their father and mother.
- Next, users are prompted to select their educational qualification from predefined categories (e.g., Matric, Graduate, etc.). They must then specify their profession (e.g., Salaried, Professional, Student, etc.).
- Based on their profession, they select the relevant sector of employment (e.g., Government/Defence or Others). Users then enter the name of their company or organization they work for.
Finally, they must answer two compliance-related questions under "Other details":
a. Whether they are affiliated with or employed by a stock exchange, FINRA member firm, etc.
b. Whether they are a director, officer, or 10%+ stockholder of a publicly traded company.
Note: You can find the detailed guide here - 2.0 | Parents, Professional and Other details
Nominee details
Pointers :
- After entering employment and compliance details, users proceed to add Nominee details for their U.S. Stocks account. They must select their relationship with the nominee from a predefined list (e.g., Mother, Father, Spouse, etc.).
- The nominee’s full name and date of birth must be entered to complete this step.
- Users also have the option to skip nominee if they do not wish to add one at this stage.
Note: You can find the detailed guide here - Missing)
Video KYC
Pointers :
- The user uploads their PAN card and completes Aadhaar verification via DigiLocker.
- After successful KYC, the user verifies their email address.
- The user fills in personal details, education, profession, employment sector, company name, and regulatory declarations. The user provides nominee name, relationship, and date of birth, or chooses to skip this step.
- The user prepares required documents, selects a preferred language, and connects with a VKYC agent. Once the video KYC is complete, the application goes under review. The user is notified upon approval.
Note: You can find the detailed guide here - Missing)
YBL Aadhar SDK
Pointers :
- After logging in, the user is prompted to complete Aadhaar-based verification to authorize and activate their YES Bank account.
- The user enters their Aadhaar number or VID and consents to share demographic details for authentication and KYC completion.
- The user receives an OTP on their Aadhaar-linked mobile number and enters it to confirm identity.
- Upon successful verification, the user sees a confirmation message indicating that their account setup is complete and will be activated shortly.
- Note: You can find the detailed guide here - Missing)
Sim Binding
Pointers :
The user selects the SIM linked to their bank-registered mobile number to initiate device registration. The user reviews and agrees to allow the app to access account number, balance, mini statement, and create transfers on their behalf.
- The user provides final consent to manage their YES BANK account via the app.
- The app begins registering the user’s device, prompting them not to close the app during the process. The user receives confirmation of successful authorization, with account number, IFSC code, and UPI ID displayed. The user is directed to set a YES Bank MPIN for secure login and transactions, continuing to the bank’s secured portal for Aadhaar OTP authentication.
Note: You can find the detailed guide here - Missing)
Set MPIN
Pointers :
- The user selects the SIM linked to their bank-registered mobile number to initiate device registration. The user reviews and agrees to allow the app to access account number, balance, mini statement, and create transfers on their behalf.
- The user provides final consent to manage their YES BANK account via the app.
- The app begins registering the user’s device, prompting them not to close the app during the process. The user receives confirmation of successful authorization, with account number, IFSC code, and UPI ID displayed. The user is directed to set a YES Bank MPIN for secure login and transactions, continuing to the bank’s secured portal for Aadhaar OTP authentication.
- Note: You can find the detailed guide here - Missing)