An efficient and secure customer onboarding is essential for the success of any organization. A well-structured process offers an optimal customer experience, minimizes risks, and complies with all laws and regulations, such as the Wwft. In this article, we show you how to set up the onboarding process digitally using Bluem.
What is customer onboarding?
Customer onboarding is the process where new customers register, are identified, and approved for access to your services. This includes multiple steps such as identity verification, legal restrictions checks, and obtaining legally valid permissions for transactions.
1. IBAN Name Check: certainty over payment details
A correct link between a customer and their bank account prevents incorrect payments and reduces the risk of fraud. With Bluem’s IBAN-Nameprüfung, the provided name is directly compared with the name known at the bank for the entered IBAN number.
2. Identity Verification: know who your customer is
Identity verification is a crucial part of any onboarding. Bluem offers multiple solutions to perform this quickly and securely:
- iDIN: Verification via the customer’s banking environment. Quick, reliable, and legally trustworthy.
- ID Scan: Advanced tool for document verification and biometric identification.
These methods help prevent fraud and ensure that only legitimate customers gain access.
3. PEP and Sanction List Check: meet compliance requirements
To comply with the Wwft, it is necessary to screen customers against international sanction lists and PEP lists (Politically Exposed Persons). Bluem offers an automated solution that:
- Searches international sanction lists.
- Checks PEP profiles.
- Monitors negative media.
Any matches are flagged for manual review by your compliance team.
4. CCBR Check: verify legal authority
With an automatic check in the Central Guardianship and Administration Register (CCBR), you prevent entering into agreements with persons who are legally incompetent to act.
Process:
- The customer’s personal data is automatically compared with the register.
- In case of a match, additional consent from an authorized representative may be requested.
This ensures the legal validity of the agreement.
5. Digital Signing: legally binding and efficient
Digital signatures speed up the onboarding process and reduce paperwork. With Bluem and Scrive, customers can sign documents in a legally valid and secure manner.
Benefits:
- Legally binding (eIDAS-compliant).
- Two-factor authentication.
- Automatic storage and assurance.
6. Digital Direct Debit Authorization: streamlined payment traffic
For subscriptions or recurring payments, Bluem offers the possibility of digital direct debit authorizations (eMandates). This allows the customer to safely and easily give permission for automatic debits.
How it works:
- The customer receives a digital authorization via a secure link.
- Verification is done via, for example, iDIN or SMS authentication.
- After approval, debits are processed automatically.
Conclusion: one platform for complete digital customer onboarding
With Bluem, you have a complete suite of tools to set up the onboarding process digitally, securely, and compliant. From identity verification and IBAN control to digital signatures and direct debit authorizations – Bluem supports you at every step.
A well-structured onboarding increases customer satisfaction, prevents errors, and ensures compliance with all laws and regulations.
Want to know more about how Bluem can optimize your onboarding process? Get in contact with us for a non-binding consultation
