Identity is where most BFSI breaches, audit findings and customer-experience complaints actually originate. This page is for banks, insurers, MFIs and SACCOs that need a single identity layer covering customers, staff, agents and third-party partners — with the biometric onboarding, fine-grained authorisation and immutable audit trail that regulators now expect by default.
Redian builds and integrates identity and access management (IAM) platforms that work across digital channels, branch workstations and field devices. The goal is simple: every login, every approval and every override is the right person, with the right entitlement, recorded in a way that survives an audit.
What it does
A Redian IAM deployment handles the full identity lifecycle on both sides of the bank:
- Customer IAM (CIAM) — onboarding with document capture, liveness check, biometric match, sanctions and PEP screening, federated login across mobile and internet banking, step-up MFA for high-risk transactions, and consent management for data-sharing regimes.
- Workforce IAM — joiner-mover-leaver provisioning into core banking, LOS, LMS, AML, treasury, card management and CRM; SSO across cloud and on-prem apps; privileged access management for DBAs and infrastructure teams; segregation of duties enforced by policy, not memory.
Everything is wired into a tamper-evident audit log that a regulator, internal auditor or external assessor can query without engineering help.
Where it fits
This solution is designed for tier-2 and tier-3 banks, microfinance institutions, SACCOs, insurers and broker networks where identity is currently fragmented across the core, the LOS, the mobile app, the agency portal and Active Directory — usually with three different passwords and no shared audit view.
It is particularly relevant for institutions operating across India, East and West Africa, the UK and the GCC, where local regulators (RBI, CBN, CBK, SAMA, FCA, IRA) all expect strong customer authentication, biometric KYC where applicable, and demonstrable controls over privileged access.
Core capabilities we deliver
Biometric onboarding and authentication. Face match against ID document, liveness detection, fingerprint capture for branch and agent workflows, and integration with national ID systems where available — Aadhaar in India, NIN in Nigeria, Huduma in Kenya, Emirates ID in the UAE. Pairs naturally with our loan origination and core onboarding flows.
Single sign-on and federation. SAML, OIDC and OAuth2 across the application estate. Staff log in once and move between core banking, loan management, AML, CRM and analytics without re-authenticating — and without shared credentials.
Adaptive MFA. Risk-scored authentication that asks for a second factor only when the context warrants it: new device, unusual geography, high-value transfer, dormant-account reactivation. Reduces customer friction without weakening controls.
Role-based access and segregation of duties. Roles modelled to the bank's actual operating manual — maker, checker, branch manager, credit committee, treasury — with SoD rules that block the same user from initiating and approving, even across systems. Aligns directly with the controls examined under our AML programme work.
Privileged access management. Vaulted credentials, session recording and just-in-time elevation for engineers and DBAs touching production. Standing admin access is removed by design.
Audit and evidence pack. Every authentication event, entitlement change, role grant and override is written to an append-only log with cryptographic integrity. Standard reports map to RBI cyber-security guidelines, PCI DSS, ISO 27001 and local data-protection regimes.
How we deliver
Redian typically runs IAM as a 12–18 week first release: discovery and role-mining in weeks 1–3, customer journey and biometric integration in weeks 4–10, workforce SSO and PAM in weeks 8–14, regulator-ready audit reporting in the final phase. We work alongside your core banking and channel vendors rather than around them, and we hand over operational runbooks — not just an architecture diagram.
For institutions that prefer to own the capability long-term, we set up the build squad through IT staff augmentation or a global capability centre model in Noida or Nairobi.
Why Redian
We are CMMI Level 3 appraised and ISO certified, an Advanced Zoho Partner since 2017, and have been building BFSI software since 2016 across five delivery hubs. Our engineers have shipped identity, KYC and access-control work for banks, MFIs and insurers in India, Kenya, Cameroon, the UK and the UAE — including the SuiteCRM-based KYC platform documented in our investment bank case study.
We understand that for a regulated institution, "it works in the demo" is not the standard. The standard is: it works on audit day, it works when a customer disputes a transaction, and it works when a senior engineer leaves the company.
Working with Redian
If your identity stack is spread across three vendors, two directories and a spreadsheet of who has access to what, we can help you consolidate it without ripping out the core. Explore the wider banking practice, review our case studies, or get in touch to scope a discovery workshop with our BFSI architects.