From Manual Checks to 30-Second Verification: REACT Re-Invents Digital Onboarding with Regula’s Technologies

For over 30 years, REACT has been implementing digital and biometric identification platforms across the globe, covering Europe, Latin America, and the United States. Using document verification technologies, as well as facial, iris, fingerprint, and voice recognition systems, REACT has developed proprietary solutions (ID Wallet, ID Pay, and ID Verifier) for digital onboarding, identification, and KYC (Know Your Customer) purposes. These tools empower REACT’s customers—governments, private companies, and public organizations—with agile, secure, and scalable identity verification (IDV).

Challenge

Keeping up with the global digital transformation, REACT recognized the need for a secure, efficient, and scalable identity verification system. The company aimed to enable individuals to authenticate themselves remotely while complying with complex regulatory requirements. In their turn, businesses and government institutions could take advantage of a fully digital onboarding experience without requiring physical document submission or in-person verification.

However, there was a problem. The existing REACT IDV solutions relied heavily on manual document inspection. This process was slow, prone to human error, and inefficient, often leading to delays in approvals and leaving customers exposed to greater fraud risks.

That’s why REACT decided to rethink the approach and set the following goals:

• Automate and streamline identity verification processes.
• Ensure compliance with security and regulatory standards (e.g., GDPR, eIDAS).
• Eliminate manual document review, thus reducing operational costs and human error.
• Enhance fraud prevention with advanced document authentication.
• Enhance fraud prevention with advanced document authentication.

Solution

After evaluating multiple IDV technologies on the market, REACT decided to use Regula’s solution, Regula Document Reader SDK. The decision was driven by several key factors:

• Regula stands out for the world’s largest identity document coverage.
• The company’s solutions demonstrate high accuracy in document authentication, and efficiently detect altered or manipulated documents, especially through NFC verification and liveness checks.
• Regula Document Reader SDK offers seamless integration with both mobile and web applications, allowing REACT to implement the solution without heavy development overhead.
• Regula has a strong track record of deployments in government and financial sectors, which aligns with REACT’s priorities.

Regula Document Reader SDK was embedded into REACT’s ID Wallet solution, a digital platform designed to enable users to securely onboard, verify their identity, and store digital credentials. Regula’s IDV technologies were deployed in both mobile and web solutions to offer REACT’s clients a seamless and flexible experience.

Now, with Regula Document Reader SDK at the core of REACT’s ID Wallet, the customer onboarding process in real time looks like this:

1. A user begins the verification journey via the mobile app or web portal. They are prompted to scan their ID document using Regula Document Reader SDK, which automatically captures the image, extracts the data, and validates the document’s authenticity by analyzing its security features and personal data.
2. Next comes biometric verification. The user takes a selfie, and integrated liveness detection technologies ensure that the image is of a real, live person and matches the face on the ID.
3. Once the document and facial data are verified, it is sent to the ID Wallet backend, where the data is cross-validated and processed. If the verification is successful, the user is issued a secure digital credential. If any inconsistencies arise, the case is flagged for manual review.

Regula Document Reader SDK is powered by Regula’s proprietary ID template database—the largest of its kind—containing over 15,000 identity document templates from 251 countries and territories. This extensive global coverage ensures that REACT’s platform can verify nearly any government-issued document, including passports, national IDs, driver’s licenses, residence permits, and more, regardless of the user’s origin.

Even more importantly, Regula Document Reader SDK performs in-depth authenticity checks across multiple data zones and security features, including MRZs, barcodes, RFID chips, holograms, and optically variable elements. With a liveness-centric approach, Regula’s solution ensures that a company is dealing with a real, physical document, not a reprint or digital representation. This is crucial in detecting highly sophisticated fraud.

Also, Regula Document Reader SDK cross-checks ID data to detect inconsistencies between the visual zone, MRZ, chip data, etc., that may indicate fraud. As a result, the solution is highly effective at uncovering forged or manipulated documents without slowing down the user journey.

Result

The integration of Regula Document Reader SDK into REACT’s ID Wallet was successfully completed in 12 months, with a seamless implementation process and strong technical support from Regula. The cloud-based architecture of ID Wallet eliminated the need for on-premises infrastructure, enabling REACT to scale rapidly while reducing operational costs.

As a result, REACT achieved over 90% automation in identity verification, significantly decreasing the need for manual intervention and minimizing human error. The average onboarding time per user was brought down to under 30 seconds, vastly improving the user experience. At the same time, the solution exceeded 99.5% accuracy in document verification, ensuring that legitimate users are onboarded quickly and fraudsters are efficiently weeded out before they do any harm.

With Regula automating and securing document authentication, REACT’s staff can now focus on more strategic and high-value tasks. The company managed to save approximately 30% of the time they previously dedicated to manual verification processes. This translates directly into cost reductions, increased operational efficiency, and faster time-to-market for REACT’s digital identity solutions.

This partnership with Regula has not only enhanced REACT’s capabilities but also enabled our customers to seamlessly transition from physical to digital IDs without compromising security. Thanks to Regula Document Reader SDK, we now deliver scalable, real-time verification with global coverage and thus are better positioned to meet the needs of governments, financial institutions, and enterprises worldwide.

—Alan Archila, Chief Executive Officer at REACT