Unified Account Opening is a platform to digitally onboard customers with one smart form and instantly activate their demat, trading, bank, loan or insurance accounts. Earlier, the process primarily involved a customer walk-in to the branch or a sales executive meeting the customer and submitting the application form. Now, with support from directives issued by regulatory bodies, we built features that allow the complete account opening process to be contactless. Some key features like video based in-person verification, digital signatures, stakeholder collaboration and online payments, enhanced with cognitive skills to detect liveliness, face match and identify documents have made it possible to onboard customers remotely through digital channels, without diluting the due diligence process.