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Neobanking Compliance Built for Speed, Safety, and Scale

Onboard more customers, faster. Ondato’s identity verification, biometric authentication, AML screening, and risk-based onboarding solutions cut friction, lift pass rates, reduce fraud, and keep you compliant – wherever you operate.

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ISO 27001 certified
99,8% verification accuracy
GDPR compliant
eIDAS/ETSI compliant

Trusted by Digital Banking Businesses

What Ondato Offers

AI-powered, Automated Identity Verification

  • Verify identity documents in seconds
  • Reduce manual checks and operational bottlenecks
  • Help more legitimate users complete onboarding successfully

Make digital onboarding fast enough for customers and efficient enough for your team. 

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AML, Sanctions, and PEP Screening

  • Check new users against AML, sanctions, and PEP data
  • Flag risk in real time for faster decision-making
  • Support compliance teams without slowing onboarding

Meet screening requirements while keeping the customer journey moving.

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Biometric Liveness and Facial Recognition

  • Confirm the user is real and physically present
  • Match the user’s face to their submitted document
  • Reduce spoofing, deepfake, and identity fraud risks

Protect onboarding from impersonation without adding unnecessary friction.

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Identity Authentication for Returning Users

  • Avoid unnecessary repeat document checks
  • Help returning users authenticate faster
  • Create a smoother experience across future interactions

Make repeat access feel effortless for customers who have already earned trust.

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Risk-based Onboarding and Ongoing Monitoring

  • Apply enhanced due diligence only where needed
  • Use lighter flows for lower-risk customers
  • Keep control over rules, thresholds, and monitoring

Match every customer journey to the level of risk involved.

Explore Due Diligence Solutions

Multi-market Compliance Requirements

  • Support verification across multiple jurisdictions
  • Align onboarding flows with local compliance needs
  • Keep expansion efficient without creating fragmented processes

Scale into new markets with onboarding that can adapt to local expectations.

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Hassle-free Customer Acquisition at Scale

Grow faster without letting fraud, compliance pressure, or onboarding drop-offs slow you down. Reduce failed verifications, catch risky identities earlier, support returning users with less friction, and stay ready for expansion across markets.

Verification that Matches the Risk

Not every customer needs the same level of scrutiny. Apply lighter flows where risk is low and stronger checks where assurance is needed, so you protect conversion while staying in control of compliance.

Less Friction, Higher Pass Rates

Customers abandon onboarding when the process feels long, unclear, or repetitive. Keep the journey simple with guided verification, automated checks, and reusable identity data that helps more legitimate users get through faster.

Identity Verification for Every Touchpoint

Support customers beyond the first sign-up. Use verification across onboarding, AML screening, biometric authentication, enhanced due diligence, and reverification, without adding complexity to the customer experience or compliance workflow.

Scalable Growth Without Operational Bottlenecks

Onboard more customers without increasing manual work or operational strain. Keep verification fast as volumes grow, support local requirements, and expand into new markets with onboarding that scales with you.

Why Neobanks Choose Ondato

30 sec.
average onboarding to help customers open accounts faster
99.8%
verification accuracy to reduce failed checks and manual reviews
97%
average pass rate to convert more legitimate users
192
country coverage for multi-market expansion
10,000+
supported document types for smoother global onboarding
15,000+
AML data sources for sanctions, PEP, and adverse media screening
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"As a specialized online loan bank operating exclusively on the Internet, Ondato has enabled us to work with clients who do not have qualified e. signatures and this has helped us to significantly expand the customer base, increase sales and fulfill its vision of a full-digital bank without paper documents."
“Ondato helped us balance compliance requirements with customer onboarding experience through standardized verification flows and automated screening capabilities, which allowed us to maintain compliant onboarding processes while supporting a reasonably smooth client experience.”
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“Ondato has also been key in helping us build trust with users through secure and transparent onboarding, operate confidently in high-risk sectors like crypto and cross-border payments, and strengthen compliance without compromising user experience.”
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“Ondato and SME Bank is a mutually beneficial partnership that provides growth opportunities for both enterprises and helps achieve their individual goals. Ondato takes care of the technical user management side, allowing SME Bank to focus their effort on their priority targets.”
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“Ondato’s solution shortens and facilitates opening the account. Identity verification is performed by reading biometric data and using multi-stage checks, which span corroborating client data and documents in registers and databases. After a brief video call with a bank consultant, you will be able to begin using the bank’s services.”
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Compliance That Protects More Than Just Your License

In digital banking, trust depends on more than meeting regulatory requirements. Ondato helps you protect customer data, reduce risk, and operate with confidence through security-first identity verification aligned with global compliance standards. 
See how Ondato protects your data

Choose the Integration Type That Fits Your Team

Start verifying users with a secure link, no development work required.
  • Share verification links by email, SMS, or in-app message
  • Capture documents and run biometric/liveness checks instantly
  • Launch quickly for pilots, manual reviews, or new-market testing
Embed verification directly into your web or mobile product.
  • Keep the user journey inside your own app or website
  • Use ready-made flows for document capture, biometrics, and liveness
  • Give mobile-first customers a smoother onboarding experience
Build a fully tailored verification flow around your product and compliance logic.
  • Control the onboarding journey from your own backend
  • Orchestrate identity checks, AML screening, and risk-based steps
  • Adapt workflows as markets, regulations, and risk rules evolve
Build Faster, Safer Digital Banking With Ondato
Give your customers the fast onboarding they expect while reducing fraud, meeting compliance requirements, and scaling across markets with confidence.
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FAQ

By utilizing pre-built, modular orchestration platforms via APIs, neobanks can perform customer onboarding faster with ready-to-use identity verification, AML screening, and workflow automation tools that reduce manual setup and speed up compliance approvals.
By using automated document checks, biometric verification, and risk-based flows, neobanks can verify legitimate customers quickly while applying extra checks only when needed.
Yes. Modern RegTech (Regulatory Technology) platforms offer unified dashboards. This allows neobanks to track a user from their initial Know Your Customer (KYC) onboarding check through continuous Anti-Money Laundering (AML) screening and transaction monitoring over their entire lifecycle.
Neobanks can reduce drop-offs with fast verification, fewer manual steps, mobile-friendly flows, and automated checks that keep the customer journey smooth.
Neobanks can prevent fraud by combining document verification, biometric checks, liveness detection, device signals, and risk scoring to detect suspicious users early.
Identity verification (KYC) proves that a person is who they say they are, while AML screening checks if that verified person is someone you are legally allowed to do business with, ensuring they aren't on global sanctions lists, politically exposed persons lists, or wanted for financial crimes. Integrating them prevents legal and security blind spots.