🚀 How I Built a KYC Verification Flow in Flutter Using Jumio & Veriff

🧾 Introduction

In the insurance industry, verifying the identity of users during onboarding is critical for compliance with Anti-Money Laundering (AML) regulations. In one of my recent projects at SNIC Insurance, I developed a KYC (Know Your Customer) verification flow using Flutter along with Jumio and Veriff integrations. This helped us reduce onboarding time by 60% and ensured AML compliance.

In this post, I’ll share how I built the flow, the challenges I faced, and how I overcame them.

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🛠 Tech Stack & Tools Used

• Flutter – for cross-platform mobile app

• Jumio & Veriff SDKs – for document & face verification

• REST APIs – for backend validation

• .NET Core – for backend integration and logging

• AWS S3 – to store user document images (optional)

• PostgreSQL – for saving KYC status

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🔄 How the Verification Flow Works

1. User fills in basic details (name, ID number, country, etc.)

2. They are prompted to verify their identity:

   • Upload government-issued ID

   • Complete live selfie or face scan

3. Jumio or Veriff SDK handles the biometric validation.

4. The backend receives a webhook/callback with the verification status.

5. Based on the result, we update the KYC flag in the user's profile.

⚠️ Challenges Faced

• SDK Integration Conflicts: Flutter plugins for both providers had platform-specific issues (e.g., Android SDK versioning).

• Handling Failures Gracefully: Users often failed selfie checks due to lighting or angle — so we added retry logic and error tips.

• Dealing with Incomplete Sessions: Some users dropped mid-way. We implemented backend timeouts and cleanup jobs.

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✅ Results & Benefits

• 60% reduction in onboarding time

• Higher user trust due to seamless verification experience

• Compliant with local AML guidelines

• Automated rejection/approval based on the provider’s status callback

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📌 Final Thoughts

This project was a real learning experience in combining compliance, UX, and cross-platform development. If you're working in fintech or insurance and need to build a KYC flow, I highly recommend exploring Jumio or Veriff — both are robust and easy to integrate with some setup work.

Feel free to connect with me on LinkedIn or check out my GitHub for upcoming code samples!