Accelerate Dormant Account Reactivation via AI-Driven Automation & Risk Intelligence
Enable faster outreach, verification, and reactivation of unclaimed accounts using AI-driven engagement, alternate data intelligence, and seamless digital KYC—all in a unified platform built for banks.
AI-led customer engagement
360° KYC + Alternate Data
RBI-aligned resolution workflows
Why Unclaimed Deposit Resolution Matters
Unclaimed deposits create operational burden, regulatory pressure, and customer dissatisfaction. Banks struggle to trace rightful account holders due to outdated contact details, fragmented records, and manual engagement processes. With the RBI & MoF pushing for faster resolution, banks need a more intelligent, scalable, and accurate platform to manage the end-to-end lifecycle.
Key Challenges in Managing Unclaimed Deposits
- High operational load due to manual, disconnected tracing workflows
- Inaccurate, outdated or incomplete contact information makes outreach inefficient
- Limited use of alternate data sources (telecom, e-com, logistics, RC profiling)
- Delays impact customer trust and regulatory compliance scores (RBI/MoF)
- No unified workflow for outreach → verification → KYC → reactivation
Our Core Solution Pillars
Discover – Identify & Enrich Customer Profiles
- Integrate alternate data sources from telecom, e-commerce, credit bureau & RC profiling
- Extract updated:
- Mobile Number
- Address
- PAN
- Alternate Contacts
- Mobile-to-Address mapping
Outreach – AI-Driven Customer Engagement
- 24×7 multilingual AI voice bots & chatbots
- Human-like conversation flows powered by neural speech models & NLP
- Validate depositor/nominee details in real time
- Automated follow-ups, reminders & re-contact attempts
- API-based integration with bank workflows
Reactivate – Seamless KYC & Account Activation
- Digital KYC through secure SMS/Email/WhatsApp links
- PAN, Aadhaar, CKYC & document verification
- Real-time KYC validation for depositor/nominee/POC
- Verified details synced back to CBS automatically
- Updated accounts pushed to UDGAM portal
Proposed Operational Flow
Step 1
Bank Shares Unclaimed Account List
Via API / Excel / SFTP along with basic identifiers
(Mobile, PAN, Voter ID, DL, DOB)
Step 2
Alternate Data Enrichment
AuthBridge fetches updated mobile numbers, addresses, identity signals from telecom, e-com, bureau & RC data sources.
Step 3
AI Voice Bot Outreach
AI agents call/contact depositors or nominees to validate identity & willingness for reactivation.
Step 4
KYC Completion
Customers receive secure verification links to complete KYC through Aadhaar/PAN/CKYC.
Step 5
Data Sync Back to CBS
Validated depositor/nominee details sent to the bank for updating records.
Step 6
Account Reactivation
CBS updated, account reactivated, and bank updated UDGAM portal.
See How Dormant Account Reactivation Works
Unlock faster, compliant dormant account reactivation with AI-driven KYC, risk checks, and automated decisioning.
Benefits for Banks
Up to 70% faster tracing & engagement
Improved recovery rates with alternate-data match layering
Scalable engagement – thousands of calls simultaneously
24×7 availability via AI agents
Reduced dependency on field/telecalling teams
Regulatory-ready workflows (RBI/MoF compliant)
Full audit trail & secure API integrations
Better customer experience & trust
Contact Sales
Ready to Explore AuthBridge for your business?
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FAQs – Unclaimed Deposits Resolution Platform
AuthBridge’s Unclaimed Deposits Resolution Platform is an AI + data-driven solution that helps banks identify, contact, verify, and reactivate unclaimed deposit accounts. It uses alternate data, AI voice/chat engagement, and digital KYC workflows to accelerate recovery while ensuring full regulatory compliance.
The platform enriches bank-provided depositor data using alternate datasets—telecom, e-commerce, credit bureau and RC profiling—to extract updated contact numbers, addresses, and identity signals. This significantly improves match rates and reduces false negatives.
Banks can share records via API, Excel, or SFTP, including:
- Mobile number
- PAN
- Voter ID
- Driver’s License
- Date of birth
AI-powered voice agents contact depositors or nominees with human-like, multilingual conversations. They validate identity details, collect confirmations and responses, and trigger next steps such as sending KYC links or escalating to bank teams. This improves speed and reduces workload compared to manual calling.
Yes. The platform enables end-to-end digital KYC with secure verification links sent via SMS, Email, WhatsApp, or app. PAN, Aadhaar, CKYC and supporting IDs can be verified instantly, and the results are sent directly to the bank’s CBS for reactivation.
The workflow follows all mandated steps for identifying, verifying, and updating unclaimed deposit records. It includes audit trails, encryption, secure APIs, and data processing aligned with regulatory expectations. Verified customer details can be synced with CBS and updated on the UDGAM portal as required.
Yes. All components—Alternate Data Engine, AI voice/chat bot, KYC Platform—integrate seamlessly via secure APIs with CBS, CRM, workflow engines, or marketing/telecalling systems.
Absolutely. The AI engagement module and data engine are built for high scalability, enabling simultaneous outreach and verification for thousands of customers. This reduces operational burden and speeds up resolution.
Once details are validated, the updated information is shared back with the bank. The bank can update the CBS, reactivate the account, and record closure on the UDGAM portal.
Yes. The platform supports verification of the account holder, nominee, or point of contact (POC) using digital KYC and AI-led outreach to ensure rightful ownership is established.
