Digital onboarding software for financial institutions

Customer onboarding is the first experience your users have with your financial product, and it sets the tone for the entire relationship. Stitch's digital onboarding software provides the infrastructure to build fast, compliant, and user-friendly onboarding journeys for any financial product. The platform combines modular form collection, integrated identity verification, real-time decisioning, and automated compliance checks into a single onboarding engine. Whether you are onboarding customers for a bank account, a card program, a lending product, or a digital wallet, Stitch handles the backend complexity so you can focus on the customer experience. Stitch offers both pre-built UI components for teams that want to launch quickly and API-only access for teams that want full control over the frontend. Either way, every onboarding flow is backed by the same compliance and verification infrastructure. Capabilities include modular form builder (configurable fields, conditional logic, and multi-step flows for collecting personal information, financial data, and documents), KYC and AML integration (connect to trusted identity verification, document checking, and watchlist screening providers), pre-built UI components (embed ready-made onboarding screens with customizable branding and responsive design), real-time approvals (instant decisions using a rule-based engine with identity checks and risk scores), omnichannel onboarding (support across web, mobile, branch, and agent-assisted channels), and compliance and audit trails (every action logged with timestamps for regulatory reporting).