How EveryData Brought Identity Verification into Digital Onboarding with Ondato

EveryData is a Caribbean credit information and data services provider, part of the Creditinfo Group. The company helps consumers and businesses access credit information and supports financial institutions with credit reporting, scoring, digital onboarding, and identity verification services.

EveryData has been working with Ondato since 2020. Today, it uses Ondato’s identity verification and eKYC capabilities, including document verification, document data extraction, and AML screening, both within its own digital journeys and as part of onboarding solutions offered to its clients.

This is the story of how EveryData and Ondato brought remote identity verification into Caribbean customer journeys and created a partnership that connects identity verification with EveryData’s regional credit information and scoring capabilities.

The Challenge

For EveryData, the main challenge was making identity verification practical for remote onboarding in Caribbean markets.

Moving a process online may sound simple. But only until identity documents enter the picture. Different markets use different local documents, submitted information needs to be checked reliably, and not every verification follows the ideal path. Exceptions still need to be reviewed and resolved without bringing the entire customer journey to a halt.

EveryData also faced another challenge – customer familiarity.

When digital identity verification was first introduced to the local market, the technology was still new to many people. Customers who were accustomed to identifying themselves in person did not always immediately understand the process. 

“Since the technology is new to the market, many people struggled at the beginning to understand why a bank wants their selfie,” explained Chief Revenue Officer of EveryData Group, Sasha Novoselov. 

So, EveryData needed a solution that could address both sides of the experience: reliable identity checks behind the scenes and a digital journey that customers could realistically complete remotely.

As EveryData worked with financial institutions across the region, flexibility was equally important. Different clients could have different onboarding processes, document requirements, and approaches to handling exceptions.

That’s why a rigid, generic verification process would not be a good fit. 

The Selection

When evaluating identity verification technology, EveryData focused on the practical requirements of operating in its markets and serving different client use cases.

Support for local identity documents was essential. So was the ability to integrate identity verification into EveryData’s own systems and customer-specific onboarding journeys.

EveryData also needed configurable verification flows, access to verification records and audit logs, and a clear route to manual review when an automated check could not reach a conclusive result.

Ondato brought these capabilities together with AML screening, giving EveryData the building blocks to incorporate identity and compliance checks into different digital journeys.

That flexibility was particularly important because EveryData was not simply implementing identity verification for one fixed onboarding flow. The technology needed to support EveryData’s own products while also fitting into processes created for financial institutions and other clients.

With Ondato, automated verification could handle straightforward cases, while flagged or exceptional cases could move into human review where required.

This combination helped make Ondato the right fit for EveryData’s operating model.

The Implementation

Ondato was integrated into EveryData’s digital onboarding processes, including MyEveryData, with verification results returned directly to EveryData’s systems.

Within the customer journey, users can complete the required identity checks remotely, including submitting their identity document and completing the relevant biometric verification steps. Document information can be captured and checked digitally rather than relying on the customer or an employee to transfer every detail manually.

But automation is only part of the process.

When a case requires additional attention, EveryData’s operational teams can use Ondato OS to review identification attempts and manual-verification outcomes. Teams also have access to verification records and audit logs, creating greater visibility into what happened during an identification process.

The partnership has involved more than the technical connection itself. 

“We work with Ondato on verification-flow configuration, market-specific requirements, and training, as the solution has been put into practice across different use cases,” clarified Sasha Novoselov. 

That collaboration has allowed EveryData to adapt identity verification to the realities of their Caribbean markets rather than forcing every customer or financial institution into exactly the same journey.

The Results

The most significant change has been the ability to move identity verification directly into the digital onboarding journey. 

Using Ondato’s solution, EveryData has achieved an impressive result – it enabled the digital onboarding of approximately 200,000 Jamaicans.

Instead of relying on processes that require customers to complete identity checks outside the digital journey, digital verification can be integrated into the onboarding flow. This means that automated checks handle cases where a decision can be reached digitally, while human review remains available when additional investigation is required.

This has significantly accelerated onboarding for EveryData and has allowed its clients to benefit from faster digital processes as well.

At the same time, EveryData’s operational teams have acquired greater visibility into individual verification cases through access to identification records, review outcomes, and audit trails. As a result, the company now enjoys a more structured approach in which automated verification and manual review work together. 

Summing up cooperation results, EveryData’s:

• Customers can complete more of the onboarding process remotely.
• Operational teams have the information and tools needed to deal with exceptions without turning every verification into a manual task.
• Clients can introduce identity verification into their own digital services without building the underlying verification infrastructure themselves.

The Partnership Model 

The partnership has also developed beyond EveryData’s own onboarding processes.

EveryData offers Ondato-powered identity verification alongside its existing credit reporting and scoring services, allowing clients to bring complementary parts of the customer journey together.

The winning synergy behind this partnership lies in the fact that the two companies’ products address different yet closely related questions.

Identity verification helps establish who the applicant is. Credit information and scoring can then help a financial institution understand what the applicant’s credit profile shows.

Keeping those functions distinct remains important: verifying an identity is not the same thing as making a credit decision. But bringing these capabilities into a coordinated journey can make the overall process easier to manage.

Instead of working with separate suppliers and disconnected workflows for every stage, clients can combine EveryData’s regional knowledge and credit information services with Ondato-powered identity verification according to their specific requirements.

In practice, this can take several forms.

One use case is identity verification within MyEveryData, where users complete the required checks as part of accessing EveryData’s digital services.

Another is incorporating IDV and AML checks directly into a financial institution’s own customer onboarding process. Once identity has been established, EveryData’s credit reporting and scoring capabilities can support a subsequent credit assessment where relevant.

And it is this flexibility that allows EveryData and its clients to use identity verification, AML screening, credit information, and scoring, where each capability adds value, while keeping the individual processes clearly defined.

Evaluating the Strategic Alliance 

When evaluating the overall cooperation experience between the two companies, Sasha Novoselov stressed that Ondato’s solutions helped EveryData become the biggest provider of IDV services in Jamaica. 

“We have great experience working with Ondato. The tech and support teams are very responsive; we are kept up to date on new updates; and, most importantly, Ondato always goes the extra mile to understand the client’s needs and challenges and find a solution to help them. This attitude creates trust, and trust brings commercial opportunities,” concluded Novoselov.

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If your business is navigating similar challenges around identity verification, anti-money laundering screening, age verification, or compliance at scale, Ondato can help. 

Get in touch to explore how we can support your growth while keeping your users safe.