Challenge Overview

Nepalese digital wallets serve multiple user types including Domestic Nepali users, Nepalese residing abroad (NRA), foreign nationals staying in Nepal, and refugees. Each user type has different identity documents and regulatory requirements. A single onboarding flow often creates confusion and unnecessary friction.

Challenge Objective

Design an adaptive KYC onboarding flow that dynamically adjusts required documents and steps based on the user type.

Problem Scope

Focus on automatically selecting the correct KYC flow and document requirements based on user type.

Key Issues

• Different user types require different documentation for KYC verification.
• Users get confused about KYC verification eligibility and required documents.

Guiding Questions

• How can the onboarding flow adapt based on user type?
• How can eligibility and document requirements be clarified automatically?
• How can onboarding be simplified for different regulatory categories?

What Teams Should Design and Build

A prototype that:

• Identifies user type
• Dynamically adjusts KYC steps
• Displays relevant document requirements

Solutions May Include

• User-type classification logic