How Banco Dondé opens bank accounts in minutes with Incode
Banco Dondé, a digital and inclusive bank in Mexico born from Fundación Dondé, uses Incode for identity verification during account opening. Clients verify remotely with biometrics instead of being physically present at a tablet, and open an account within minutes from their phone. Funds are 100% protected by the IPAB deposit insurance scheme, and the bank is positioned to serve more than 1.2 million clients annually.
clients Banco Dondé is positioned to serve annually
Fundación Dondé branches across Mexico
years of Fundación Dondé history behind the bank
government-issued IDs Incode supports worldwide
A digital and inclusive bank, born from Fundación Dondé
Banco Dondé was born from Fundación Dondé, an institution with more than a century of history dedicated to transforming the lives of children in vulnerable situations.
In 2023, it began a new phase as a digital and inclusive bank, committed to providing financial services without discrimination and with equal opportunity. The bank channels its profits into the foundation's work, which has positively impacted more than one million children over the past 30 years.
Banco Dondé's commitment is financial services without discrimination and with equal opportunity. Remote identity verification carries that commitment into onboarding, letting clients open accounts fully digitally from their phones rather than in person on a tablet.
Digital banking access, stuck at a tablet
Banco Dondé's clients previously had to be physically present for biometric verification on a tablet, which limited fully digital account opening.
The transformation raised three connected demands:
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01
In-person only
Remote account opening for higher-tier accounts was off the table, because biometric verification required the customer's physical presence.
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02
Growth outpacing the process
The bank's expansion plan meant onboarding hundreds of thousands of clients via their phones, quickly, securely, and without service disruptions.
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03
Regulators watching closely
Oversight from Mexican financial authorities meant any vendor had to meet strict compliance, data handling, and encryption standards.
Banco Dondé needed remote biometric authentication with the highest levels of accuracy, scalability to support rapid customer growth, and secure, compliant integration with minimal friction.
Fully digital onboarding, in minutes
Clients now open an account within minutes from their phone, with funds 100% protected by the IPAB deposit insurance scheme.
Accuracy that meets the regulator
Identity Verification
Incode's in-house AI-driven technology offers the accuracy and reliability needed to meet regulatory standards while enabling secure remote identity verification, so the bank maintains trust and compliance while it grows.
Remote biometrics, certified fast
Authentication
Passive liveness detection, certified at iBeta Level 2, runs in 40 milliseconds with no user input required, and deepfake detection layers passive liveness with behavioral and device-risk signals.
Integrated with agility
Incode's modular architecture and turnkey setup ensured smooth, flexible integration into the bank's digital banking architecture, so Banco Dondé began serving new customers almost immediately.
A shared commitment to inclusion
Both organizations are committed to increasing access to essential services, financial tools and digital identity alike, for underserved populations.
With trust and compliance maintained, Banco Dondé is free to drive growth, inclusion, and user satisfaction through its nationwide expansion.
How it works
Enterprise-grade identity for an inclusive bank
Built for 99.9% uptime
Banco Dondé set 99.9% uptime as non-negotiable, and Incode's enterprise-grade infrastructure keeps identity workflows stable through nationwide expansion.
The ultimate onboarding experience
Security and fully automated onboarding are no longer a tradeoff in delivering inclusive access to financial services.
Benchmarked accuracy
Incode's face recognition accuracy is evaluated in the NIST FRTE 1:N benchmark.
Privacy is the architecture
Incode made privacy a founding conviction long before regulation or the market asked for it. Its AI-first identity verification reduces fraud while remaining private and compliant.
Testimonial
“Incode wasn't just a vendor, they understood our values. Together, we're building a more inclusive financial future.”
Eduardo Dondé · Founder and Director General, Banco Dondé
Frequently asked questions
Questions specific to the Banco Dondé story
Still have questions? Talk to an expertHow does Banco Dondé open bank accounts digitally?
Clients complete the whole process from their phone, verifying their identity remotely with Incode, and the account is ready within minutes. Deposits are 100% protected by the IPAB deposit insurance scheme.
Why did Banco Dondé move away from in-person verification?
Biometric checks previously required the client to be physically present at a tablet, which ruled out remote opening of higher-tier accounts. Removing that constraint lets the bank onboard clients fully digitally as its expansion plan unfolds.
How does the solution satisfy Mexican financial regulators?
Mexican authorities expect any vendor to meet strict compliance, data handling, and encryption standards. Incode's in-house, AI-driven technology gives the bank the accuracy and reliability to satisfy those standards while identities are verified remotely.
How fast is the biometric check?
Passive liveness detection, certified at iBeta Level 2, completes in 40 milliseconds and asks nothing of the user. Deepfake detection adds behavioral and device-risk signals on top of the passive liveness layer.
How quickly did Banco Dondé start onboarding customers with Incode?
The modular architecture and turnkey setup slotted into the bank's digital banking systems with flexibility, and Banco Dondé was serving new customers almost immediately.
What scale is Banco Dondé preparing for?
The bank is positioned to serve more than 1.2 million clients annually, backed by roughly 400 Fundación Dondé branches across Mexico, and it set 99.9% uptime as a non-negotiable requirement for its identity workflows.
What connects Banco Dondé and Fundación Dondé?
The bank grew out of Fundación Dondé, an institution with more than 106 years of history supporting children in vulnerable situations, and it channels its profits into the foundation's work, which has reached more than one million children over the past 30 years.
What's next
See how Incode powers inclusive digital banking
Open accounts in minutes, meet the regulator's bar, and reach the customers banking has left behind.