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I need a bank or emi that request selfie or video verification just ONE time

The EMIs can request new ID, proof of address or selfie/video verification at ANY TIME due to "ongoing monitoring".

So not a good idea to choose a homeless person to open an account who you will probably never meet again in your life.

And that is EXACTLY why the "ongoing monitoring" is carried out to ensure that the account holder still exists!

some emis are worst than others
what are best and worst emis ?