Customer & UBO Identification
Identify individuals, authorised representatives, directors and ultimate beneficial owners.
Turn Complex Checks Into One Smooth Customer Journey
Lenders, leasing companies, payment providers and investment firms must balance regulatory compliance and effective risk management with speed and conversion. Bluem brings onboarding, identity verification, compliance, affordability, signing and payment services together in one transaction platform.
Investor Onboarding Review
Daniel Moreno
#IV-20984
Daniel Moreno
Spain · Individual
Investment goal
Long-term growth
Evidence
Strong
Source of wealth
Salary + investments
AML & PEP
0 Matches
Account ownership
ES76 •••• 9012
Suitability
Balanced Profile
Personal Account Opening
09/19/2026 14:30
#BL-8412075
Identity
AML
Ownership
Device
Lucía García
DNI 45827163R
Identity
Just now
Verified
AML screening
1 min ago
Clear
Account ownership
1 min ago
Match
Device intelligence
5 min ago
Low
Trusted by organizations across Europe and the GCC.
Priority Use Cases
Connect Every Critical Check in One Customer Journey
Combine identity, financial, compliance and risk checks in one configurable flow—from initial onboarding and approval to ongoing customer monitoring.
Bank-Account Ownership
Verify account ownership before processing disbursements, repayments or collections.
AML & Risk Screening
Screen customers and related parties for sanctions, PEP and adverse-media risks.
Affordability & Resilience and Creditworthiness Checks
Assess income, expenditure, affordability and financial resilience. Evaluate credit risk and support faster, consistent lending decision
Digital Consent & Signing
Capture digital consent, payment mandates and legally binding signatures.
Continuous KYC Monitoring
Support periodic KYC reviews and monitor customer risk throughout the relationship.
Digital Direct Debit Mandates
Use Bluem’s Green Mandate to obtain valid SEPA Direct Debit authorisations for monthly fees and service charges. Strengthen your cash flow and reduce late or missed payments.
Online Payments Tailored to Customer Preferences
Let customers pay directly online using their preferred payment method, including Wero, Pay by Bank, cards, Apple Pay and Google Pay.
Supplier IBAN Verification
Verify the account holder’s name before making a payment, reducing payment errors and protecting your organisation against invoice fraud.
Seamless Customer Onboarding
Launch compliant, high-conversion onboarding with Bluem NeoBoarding. Its SDK securely transfers verified customer data to your backend via webhook.
In practice
Connected Verification for Lending and Leasing
Make faster, more confident decisions by combining identity, financial, compliance and signing checks in one digital journey.
Consumer Lending
Verify the applicant’s identity, income, affordability and bank-account ownership before approving and disbursing a loan.
Loan Application
Sophie van Dijk
Loan Amount
€25,000
Term
48 months
Monthly
€586
Leasing Applications
Identify applicants, complete compliance and creditworthiness checks, verify financial information and sign agreements digitally.
Leasing Agreement
Toyota Yaris
The Bluem Advantage
Faster Decisions,
Better Risk Management,
One Connected Journey
Bluem provides the tools financial services organizations need to digitize critical business processes, manage risk and meet regulatory obligations—without creating unnecessary friction for genuine customers.
Connected From Start to Finish
Bring identity, compliance, signing and payment services together in one seamless customer journey.
Structured Data
Send consistent, decision-ready data to back-office systems for faster processing and fewer disconnected workflows.
Smarter Risk, Less Friction
Manage risk and meet regulatory obligations without adding unnecessary complexity or slowing down legitimate customers.
References
Trusted by
Financial Leaders
