Update KYC — Add Video KYC Flow

Summary

Add Video KYC as an alternative to in-person KYC for digital-first customers.

BRD Content

## KYC Module — Business Requirements Document

### 1. Overview
The KYC (Know Your Customer) module governs identity verification for all retail lending customers at Acme Bank. This update adds Video KYC (V-CIP) as an alternative channel.

### 2. Business Context
Regulatory compliance with RBI KYC Master Direction 2016 (amended 2023) mandates robust customer identification procedures before onboarding. RBI circular dated Jan 2024 permits Video-based Customer Identification Process (V-CIP) as a valid KYC method.

### 3. Functional Requirements
- Aadhaar OTP-based e-KYC via UIDAI API
- **Video KYC (V-CIP) with live photo capture and liveness detection**
- Document upload for OVDs (Passport, DL, Voter ID)
- CKYC registry push and retrieval
- Risk categorisation (Low/Medium/High)
- **Liveness score threshold: > 0.92**

### 4. Acceptance Criteria
- Document must be machine-readable
- **Liveness score > 0.92 for Video KYC**
- Verification response < 3s
- CKYC upload within 3 business days
- **Video KYC session recording retained for 2 years**

### 5. Regulatory References
- RBI KYC Master Direction 2016 (amended 2023)
- RBI Circular on V-CIP dated January 9, 2024
- PMLA 2002 Section 12