Enqura

EnQualify is model driven, reading documents with AI enhanced recognition, matching faces, detecting liveness and deepfakes, and running an AI agent interview that adapts to the applicant. EnSecure authentication and EnNovate digital channels are conventional banking software that would stand without any model.

Live video identification and peer to peer video guidance put a person in the session, and a decision and management center with parametric definitions lets the institution set how verifications are decided. When a case moves from the AI agent to a person, and at what threshold a failed check is referred rather than rejected, is not published.

One in ten million is the stated false face match ratio, beside 99 percent accuracy, and neither comes with a method, test set or false rejection rate. The evaluation report behind the false match figure is unpublished.

ALJ Finans, Odeabank and Garanti BBVA are among named institutions, and one unnamed customer reports 82 percent success in remote acquisition. Verification in under five seconds is an aggregate that no named institution is tied to.

On device verification would keep document images and faces on the handset during the check, but what is transmitted afterward is not said. Whether biometric data or one institution's onboarding attempts train models serving others is the first question a regulator asks of facial recognition, and it goes unanswered.

Data individuals provide when using the products is covered by a privacy policy, updated February 11, 2025, naming Enqura as controller under the GDPR, the UK GDPR and Turkey's KVKK. Identity documents and facial biometrics processed for client institutions are not addressed, and processors and data locations are not named.

Credentials on the EnQualify page include ISO 27001, and the security page claims Cybersecurity Framework compliance verified through independent audits. Certifying body, certificate number and scope are absent, and the badge row mixes the certification with data protection and card network logos.

Remote identification rules are not named for the onboarding product, in Turkey or elsewhere, and neither is any supervisor. Laws cited cover only Enqura's own processing, which leaves its position as a supplier to regulated institutions unstated.

Face matching carries documented error differences by sex, age and origin, and no subgroup result, completion rate by population or face recognition evaluation is published for EnQualify. Who fails verification, on a product deciding access to accounts, is not reported.

Up to 90 percent onboarding success leaves roughly one applicant in ten incomplete, and whether that person is told why or referred to a live agent is not said. Access and deletion rights under the privacy policy are a data route, with nothing standing behind the verification outcome.

Verification models are presented as in house, but no base model, biometric engine or document template library is named. Training data sources, hosting provider and subprocessors are likewise absent from the product, security and privacy pages.

Temenos's partner marketplace lists the products for banks running that core system, verifiable in the marketplace itself, and the Microsoft Azure Marketplace is a second channel. EnWallet exposes more than 120 integrated payment and open banking features.

Server side, the platform has no published hosting provider, region or on premises option. Turkey, the Gulf and the United Kingdom differ on where biometric and identity data may be held, and the vendor sells into all three.

Five products and the middleware beneath them carry no published price, packaging or basis of charge, with engagement through contact. Its pitch is cost, up to 50 percent faster time to market, and whether products can be bought individually is not stated.

Banks, brokerages and insurers are among the buyers, with documents from 193 countries supported and coverage reaching onboarding, payments and customer communication. Material by institution type is thin, and depth outside Turkey is not evidenced.