Case Study: Luminor achieves sub‑1‑minute remote account onboarding across the Baltics with Ondato

Luminor - Customer Case Study

Luminor, the third-largest financial services provider in the Baltic market with nearly one million customers, needed a more efficient, KYC/AML-compliant digital onboarding process to let customers open accounts remotely and automate internal processes. To address this, Luminor partnered with Ondato to deploy a remote customer identification and KYC solution.

Ondato implemented a multi-level remote identification workflow combining automated data and document checks against registries, biometric comparison of passport photos with live selfies, and support for electronic signature and Smart‑ID plus a brief video call with a bank consultant. The solution let Luminor onboard customers across the Baltic states in under 1 minute, remove the need for branch visits for new accounts, and streamline internal compliance processes while maintaining strong security controls.

Luminor

Jevgenijs Kazanins

Head of Daily Banking Products