Bureau Meets Mobile Intelligence: A Modular Identity API for Fintech Onboarding

If you run onboarding for a consumer fintech, you know the trade‑off: push customers through fast and you worry about fraud and compliance. Add friction and your best, lowest‑risk customers quietly disappear.

This is especially painful for regulated teams using electronic identity verification (eIDV) as the primary gate. Document and biometric steps can be effective, but they are blunt instruments. They treat every applicant the same, regardless of risk. In practice, that means high‑intent customers get stalled by avoidable checks, while operations teams still need deeper signals for the edge cases.

Infact’s Identity product is built to solve that tension for regulated consumer fintechs.

What’s different about Infact Identity

Most “mobile intelligence” products start and end with mobile network signals. Those signals are valuable, but on their own they do not give you the same kind of authoritative identity grounding that regulated onboarding teams lean on.

Infact is one of only four Category 1 credit reference agencies in the UK. That position gives us access to bureau data sources that many providers, and even some legacy bureau workflows, cannot package into a modern, fintech‑ready identity layer.

The result is a different shape of product:

• Bureau‑first identity assurance, anchored in the same trusted infrastructure that underpins UK lending decisions.
• Mobile network intelligence layered in when it adds real value, such as validating the link between identity and mobile number, supporting thin‑file or new‑to‑country customers, and strengthening fraud detection.
• A design informed by real onboarding constraints we hear repeatedly from regulated consumer fintechs: confidence thresholds, coverage questions, handling near‑matches, and the need to understand why a result is returned.

How it works: an identity waterfall, not a single gate

Infact sits at the top of your existing verification flow as an intelligent first step.

Customers provide the familiar inputs: name, date of birth, address, and mobile number. Infact checks these in seconds using bureau data, then augments with mobile intelligence signals where appropriate.

From there you can route outcomes based on your risk appetite:

• Low‑risk customers pass quickly with minimal friction.
• Ambiguous or higher‑risk cases drop into higher-friction verification steps (document checks, biometric verification, or manual review) that you may already run today.

Built for regulatory requirements

Infact’s approach supports risk‑based customer due diligence in line with JMLSG expectations for using reliable data sources in eIDV. It also aligns with the direction of travel from regulators: remove unnecessary barriers without weakening controls.

Where it applies

This model is a strong fit for:

• Digital banks and EMI programmes
• Consumer lending and BNPL
• Investment and savings platforms
• Remittance and financial inclusion use cases

If your growth depends on onboarding conversion, but your obligations demand robust eIDV, a bureau‑first identity layer is the practical way to reconcile both.

Infact Identity is available now. If you want to see how bureau data + mobile intelligence can reduce friction while improving confidence, get in touch.