Thursday, October 20, 2016

Improving Mobile User Experience with the Best OCR

After successful participation at the Money20/20 Europe MicroBlink has chosen Las Vegas to showcase the newest product for the financial industry. Fast and easy way to acquire new customers remotely.

Consumers want access to banking and financial services any time any place through their mobile devices. With the machine vision software MicroBlink surpasses obstacle of manual data entry and enables the best user experience in mobile apps.

MicroBlink is developing software that includes complete ID scanning, liveness detection and face matching between the photo on the ID and a selfie. Due to advanced methods for face matching verify feature of blinkID provides reliable way to confirm user’s identity to remotely access financial services while minimising fraud risk. Main advantage of blinkID is that it operates offline therefore sensitive customer data remains only on a device.

Technology for enabling true digital experience should make the process of making bank transactions easy, onboarding fast, interface seamless and beautiful with user-centric approach.
Today, mobile vision technology is ready to deal with such challenges. Why not use smartphone camera to read data from checks, invoices and other payment slips for quick data input, or to scan IDs for KYC process?

MicroBlink’s advanced technology required years of AI based research and development and now it’s available as a component easily integrated into all sorts of digital services like mobile or web apps to eliminate manual data input.

Interesting Fact

Photomath - the world’s first app that solves handwritten math problems in real-time by using smartphone camera - is built on MicroBlink's technology. It’s among top 5 educational apps and has more than 36 million downloads.

More information on MicroBlink:

Contact for meeting and scheduling a demo:
MicroBlink is exhibiting at the booth 939

Monday, July 11, 2016

Digital banking experience for Millennials

According to the survey by Viacom media networks on over 10,000 Millennials, 71% of them would rather visit the dentist than listen to the new banking offerings. That kind of perception makes banks quite exposed to new, disruptive business models of the emerging fintech start-ups.

Mind the gap

Millennials or the GenY’s are people born in late 80’s and 90’s and who are now becoming the majority of the global workforce. They are well educated, well informed, and well paid which makes them great potential clients. However, they are hard to acquire and even harder to keep due to the specific nature of their wants and expectation, often misunderstood or not met by traditional banking services. Also, they don’t mind switching brands often if there is a better product out there.

Technology-driven approach

Millennials are mobile natives, meaning that they consume most of the content via mobile devices like tablets and smartphones. They expect services available promptly, on-the-go, and the best possible experience they are familiar with in social media, instant messaging and other services that they enjoy using on a daily if not hourly basis.
If you don’t meet the expectations of Millennials in their native environment - mobile, they will probably search elsewhere for the service that does.
When mobile banking first appeared on the market, it wasn't very successful. It tried to mimic the process of the real-life branch offices or the existing desktop solutions and the number of mobile transactions was negligible, compared to other channels. It simply wasn’t 100% true digital experience for the mobile natives because it was basically the same service, offered on a different platform, not suited for such an approach.

Genuinely digital experience

Technology for enabling true digital experience should make the process of making bank transactions easy, onboarding fast and the user interface seamless and beautiful with platform-specific approaches.
But you simply can’t make the bank transaction easy if your users have to type in payment information via a tiny smartphone keyboard. Also, you can’t offer innovative services like remote account opening without the customers confirming their identity personally, in the branch office... Or can you?
Why not using the smartphone camera to read data from checks, invoices, and other payment slips for quick data input, or use it to read ID cards to satisfy KYC regulations?
Today, mobile vision technology is ready to deal with such challenges. The video below is a real-life demo of mobile vision technology in action.

It is an advanced technology that requires years of research and development, but it’s available as a component that can be easily integrated into all sorts of digital services like mobile or web apps to eliminate manual data input.

Win-win technology

In one of our earlier blog posts, we already wrote about the Erste bank use-case in which Microblink technology was used to enable using a mobile phone camera for reading payment slips. The use-case revealed 160% increase in the number of mobile banking users and 100 times increase in the number of mobile banking transactions which is a quite significant result.
We are just about to launch KYC solutions for several major banks in Europe to enable remote account opening by scanning personal ID documents.
Millennials appreciate when you go an extra mile to make their life easier and that is basically what you, as their chosen service provider should do to keep them satisfied. It will result in lot’s of positive reviews and happy customers and the thing about Millennials is - they read reviews. They listen to what their network is talking about and they are happy to share a good experience.

About Microblink

At Microblink, we are focused on research and development of mobile vision technology. We are on the frontier of computer science and we use the most advanced neural networks and deep learning techniques to provide the fastest and the most accurate text recognition by using the phone camera.
However, we are fully aware that cutting-edge technology is not enough for Millennials. It is about creating the user experience and we use technology simply as a tool for achieving the goal of seamless UX for all services that require manual data input.
The Manual data input is one of the biggest obstacles for mobile banking, but it is also slowing down processes in other industries. Manual typing is outdated! Contact us to eliminate it from your solution.

Tuesday, May 24, 2016

Remote customer identification via your website

Today, in a connected and fast-moving environment, customers expect prompt reactions to their requests. Fast reaction time has become one of the most important factors for successful customer acquisition and retention, especially in highly competitive markets such as banking or telecoms

When users try to open a bank account or request a new service from their ISP, they are often frustrated by the process that is necessary to get the service that they are already willing to pay for. It is a big problem that is becoming more and more annoying with all the real-time interactive technologies surrounding us and got us used to get what we want immediately.

Table showing compared effort for various delivery methods for personal ID documents between customer and a company

Most of these slow processes are there to confirm the customer’s identity in order to prevent the possible fraud. For companies, verifying the client’s identity is sometimes imperative or they risk all sorts of frauds that could result in revenue loss or even hurt their other clients. Therefore, the companies need to get the copy of a client’s ID. There are a few different approaches that offer various reaction times, but all are either too slow for the customer or too expensive for the company.

All of this commonly used processes are slower than the user would have liked and in the case of an error, everything has to be redone, doubling the effort for both parties.

Fortunately, there is a safe and reliable solution that can easily make this process fast and reduce the effort for users and the companies. The idea behind it is simple. Most ID documents in US and Europe have a barcode or machine readable zone as do the most passports worldwide for easier scanning. Most users have a phone, tablet or a laptop with a very good camera built in it.

Why not use that to verify user's identity remotely by scanning their ID’s?

The benefits of such a process are obvious both for the user and the company. Company reduces administration, reduces cost and drastically improves the response time.

Technology that provides for such a solution is BlinkID mobile vision software component. It is a white label solution for reading ID documents that integrates into the existing apps to extend their functionality. As a web-based solution that can be integrated into any website, it can scan documents with barcodes or MRZ which includes worldwide passports, US and Canadian driver’s licenses and many EU ID card standards that have the MRZ.

BlinkID is also available as a mobile SDK that provides for reading ID documents locally, without the need for sending the data to a server for OCR.

For more details, check out the BlinkID web page, or contact us directly to discuss how you can optimize your use case with mobile vision.

Monday, April 4, 2016

Real-time auto capture - user friendly approach to mobile OCR

To enable the fastest and the most reliable ID document reading, BlinkID uses some interesting technology tricks for image processing. One of them is definitely the real-time auto capture for document detection from the live video stream even when documents are scanned in imperfect conditions.

Real-life users are imperfect

Reading data from ID's can be challenging. If you have a high-quality picture taken at the right angle with good lightning and clear, plane background, it's great. You can do the OCR step easily from taken image. But, in reality, it is often not the case and you can't really expect it to be.

Image that shows the perfect scanning conditions

This is where the real challenge for the OCR begins since there are so many different aspects of imperfection to consider. What if the document is at an angle or the user is not holding the phone in parallel with the document (scanning in a perspective) so you don't get a rectangular image. What if a user has shaky hands or is scanning a document on a bus ride to work?

Image that shows imperfect conditions, phone shaking, scanning at an angle

To provide the best possible experience for the end-users it is imperative to make the technology work with imperfections of reality. It is unrealistic to expect people to adapt their behavior to technology.

Users want technology to work for them and not the other way around. Therefore, we have developed our own, proprietary Real-time auto capture technology.

A natural way

From the technical standpoint, the Real-time auto capture technology consists of several steps:

Auto capture process visualization

This is a very high-level, simplified overview. What is important to notice is the fact that the whole process is done locally on the device.

There is no need for server-side processing at all! But, more importantly, from the user's standpoint, the process consists of a half-a-second phone-pointing. Users don't even have to take a photo, they just point the camera to a document.

In fact, we don't want them to take photos because our technology processes multiple frames and picks the best one in just a fraction of the second.

Check out our demo app in action:

The demo video isn't the best case scenario show-off. It really works that fast!

Small differences that matter

The difference between a solution that would include taking photo by the users, sending it to the server and returning results and ours would be about 2-3 seconds (if the taken photo is ok).

You might think that this is not a big difference, but it's huge, considering the user experience. Technology that works smoothly and adapts to users is the ultimate goal and we think that's the main reason why our SDK's are better than most other solutions available on the market.

The other use-cases

Besides reading personal ID documents, our core technology can be used to read payment slips, barcodes, receipts, payment data like IBAN numbers and even free-form text in some cases.

Wherever you need to eliminate manual data entry and provide the best possible experience to your users, be confident that Microblink solutions will do the trick for you.

Wednesday, March 2, 2016

BlinkID ideal for insurance companies

BlinkID provides the functionality of extracting data from identification documents using a phone camera which makes our SDK applicable to many different situations and use cases. It can significantly improve user experience and increase frequency of the use for many different apps that require some kind of registration or personal data entry. This was recognized by the biggest Croatian mandatory pension fund AZ Fond, a part of Allianz group.

They noticed that large number of their members don’t keep track of their account balances as well as yields of their pension fund. Many just forget about the money that is taken from every paycheck they receive. In order to improve the process of reporting to their clients making it as updated and real-time as possible, AZ Fond introduced new mobile application. Members can now check their payments, account balances and earnings whenever they want via smartphone.

While creating this new communication channel, there arisen an issue with registration. When using the app for the first time, clients need to prove their identity through entering personal data. It is difficult, frustrating and prone to errors to copy all personal data using mobile phone’s keyboard. BlinkID was integrated as a solution that enables the easiest possible personal document scanning with the highest level of accuracy and speed. While everything is processed locally, on device security is at the maximum possible level and there is no need for internet connection either.

Many insurance companies today recognized the need for including mobile technologies within their communication and selling channels. Majority of insurance apps will need some kind of personal verification when signing up for the first time while they offer confidential information. For every type of registration process where there is need to enter personal information, BlinkID delivers the best user experience. Allianz AZ Fond’s new mandatory pension app beautifully demonstrates how BlinkID improves the process of registration making it fast, accurate and enjoyable.

Contact us if you are interested to include BlinkID to your app.

Friday, February 5, 2016

Improving hotel check-in service with BlinkID

Have you ever been in a situation where you had to wait in a long line at hotel check-in counter? After a tiresome journey, carrying loads of luggage, front desk is the only thing that keeps you from your room. Smart hotel management will ask themselves how can we improve our guests experience and save their time. That is the reason why today a lot of work is put into developing different kinds of hotel software that decrease lines at the check-in counters or totally replaces them. Imagine if you could just scan your passport and receive your key within a few seconds. One of the solutions can be found in using mobile vision technologies.

Some hotel chains have already try to solve the problem of queues either through their own mobile apps or check-in kiosks. While check-in kiosks and other methods of avoiding the front desk line in recent years have become more commonplace at hotels, integration of mobile technology into the travel process is spurring greater adoption across some major hotel brands.

At Microblink, we developed an SDK called BlinkID that scans IDs and passports in real-time. For hotel industry the idea is as follows – wouldn't it be better if receptionist could scan personal documents in a few seconds instead of having to enter data manually? This way, the time that guest has to spend at front-desk is greatly reduced and guest experience is improved. Either with mobile hotel apps or check-in counters, the process is significantly accelerated with the use of BlinkID SDK.

Mobile hotel apps require certain personal data entry. With Blink ID, your hotel guests don't have to spend time on entering required dana manually, while they can scan their personal documents in real-time in only a few seconds. At check-in kiosks guests are required to enter certain personal data which also takes time. Imagine if guests could just scan their passport at check-in kiosk desktop and easily skip that step in 2-3 seconds. They wouldn't feel frustrated with the long queue, that's for sure.

With the scanning of personal documents always comes in a question about security. BlinkID scans documents in real-time on mobile device, so there’s no possibility of losing personal data on some remote server.

Every hotel manager that is determined on improving guest experience should think about new and modern technological solutions. With the use of mobile vision technology, guests can skip long queues and enter their rooms in a record time.

Learn about mobile vision solutions at and contact us on to talk about your use case.

Friday, January 8, 2016

Here are some great news for Malaysian market from Microblink

We are very happy to announce that we have successfully developed and deployed a very attractive custom real time mobile OCR (Optical Character Recognition)/scanning product for Malaysia. In this regard we are looking for partner integrators of our mobile SDK on iOS & Android in Kuala Lumpur, Penang and Johor Bahru areas.

BlinkID for Malaysian market enables users to scan all the information from the front side of the national ID which includes full name, address, date of birth, sex and National Registration Identity Card Number. This is also the only SDK on the Malaysian market that enables the scanning of the front side of the ID card with such a great user experience.

Blink ID unites two of the most important features that every scanning solution should offer- speed and accuracy. BlinkID scans the data in real-time in only a few seconds and at the same time offers high level of accuracy. Users need to validate the scanned data which assures almost 100% accuracy. While scanning is done locally, on the mobile device, Blink ID works without Internet connection and the personal data never leaves the customer’s app.

Check out a real life video of how simply data can be transferred from an ID to a mobile app.

Here described custom real time mobile OCR represents the revolution in Malaysian market. It is applicable to various industries - from tourism and security, to government agencies and financial industry.

Use of BlinkID technology in mobile apps can substantially improve users experience by:

  • speeding up the mobile sign up process by 10 times
  • speeding up and increasing the number of mobile purchases for 200%
  • cutting down the friction of abandonment of filling up online forms, currently over 60% of them are abandoned due to poor customer experience of manual data entry
  • transferring the data input from desks/employees to customers on their mobile/tablet devices - leading to a better user experience while cutting costs