Identity

Onboard more customers and referral volumes

Designed to remove the largest single point of drop-off in a modern digital onboarding flow, Identity verifies individuals at onboarding using bureau and mobile network data combined by a market-leading matching engine.

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Trusted by the UK's fastest moving financial companies

Leading innovation in consumer credit information

Every regulated firm that onboards a UK consumer faces the same trade-off: Tight controls raise drop-off while looser controls raise financial crime and fraud risk.

Identity resolves the trade-off by verifying a customer against multiple authoritative data sources without additional friction while meeting the JMLSG standard for identity and residency verification.

What Identity is
A data-driven electronic identity verification product for onboarding into any regulated UK consumer financial service. JMLSG compliant. Delivered via one API call.

JMLSG compliance without the friction

JMLSG guidance is explicit. A single point in time check on unverified data is not sufficient evidence of identity. That is the standard your MLRO, your auditors, and the FCA will hold you to, whether you are onboarding into a current account, a credit product, an e-money wallet, or a payments service.

Identity is built around that standard.

Proven across Credit Cards and Personal Loans

Identity is built for any UK regulated firm that onboards consumers and needs to prove identity to the JMLSG standard.

Digital banks and challenger banks

Current account opening, second-brand launches, product expansion into lending. New-to-UK customers are a particular strength.

Credit card issuers and consumer lenders

Personal loans, motor finance, retail finance, and cards. Traditional 2+2 baseline overhauled by adding MNO evidence for thin-file coverage.

BNPL providers

JMLSG-standard identity verification within the sub-second decisioning window that a BNPL flow demands.

E-money and wallet providers

CDD obligations under the E-money Regulations without the document upload step that drives wallet abandonment.

Payments and remittance platforms

Onboarding into pay-by-bank, direct debit setup, or cross-border remittance with a defensible identity check with no ID upload.

InsurTech and WealthTech

CDD at onboarding without adding a screen to a competitive application flow.

Capabilities

Bureau matching

Person-centric identity resolution across Infact's real-time credit network. Matches persist across address changes and life events.

Mobile network intelligence

Verification of the applicant's mobile number against MNO records. Confirms name, address, and account tenure. Adds an authoritative source that is independent of the bureau layer. Particularly effective for new-to-UK customers, whose first UK financial relationship is often a mobile contract.

Thin-file coverage

Identity resolves customers with no meaningful traditional bureau footprint using MNO data and alternative signals. Recovers a population that traditional 2+2 matching declines by default.

Onboarding-flow fit

SIM swap detection, deceased identity flagging, and multi-lender exposure indicators are on the near-term roadmap. Identity is being positioned as the foundation, with fraud prevention as the natural extension.

Fraud signal next

The proof is in the numbers

95% pass rate

where the incumbent verified less than 50%

90% pass rate on new-to-country customers

significantly higher pass rates than traditional bureau matching in early proof of concept

16% additional coverage

meaningful coverage uplift on thin-file populations

Full JMLSG identity and residency match

without documents, selfies, or OTPs.

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