An efficient and secure customer onboarding ensures the success of your organization. A well-organized process provides a smooth customer experience, prevents errors, and complies with all laws and regulations. But how do you optimally set up an onboarding process?
KYC Solutions
- IBAN-Name Check: Certainty About Payment Information
A correct link between a customer and their bank account is essential. With an IBAN-Name Check, the customer’s entered name is compared to the name known to the bank for the given IBAN number. This prevents erroneous direct debits and payments and helps minimize fraud. Through this IBAN verification, an organization can check bank account information and increase the reliability of transactions.
The process step by step:
- The customer fills in their IBAN and name during the registration process.
- The entered details are immediately compared with bank data.
- If there is a match, the customer can proceed in the process.
- In case of a mismatch, the customer is asked for corrections or additional verification.
- PEP & Sanctions List Screening: Avoid Risks
To comply with compliance regulations, it is important to check if a customer appears on lists of Politically Exposed Persons (PEPs) or international sanctions lists. This helps in identifying customers with an increased risk of money laundering or other legal complications. A sanctions list check and PEP screening are part of a thorough compliance screening.
What is checked?
- International sanctions lists
- PEP lists (persons with a politically prominent position)
- Negative news sources and legal databases
This screening is done automatically and any matches are assessed by a compliance officer.
- Identity Verification: Know Your Customer
Fort identity verification prevents fraud and misuse of your services. This can be performed by means of document verification, biometric checks, and other digital identification methods. With online identification, a customer can be verified safely and quickly.
Which methods can be used?
- IDIN: A verification method where the customer identifies themselves via their banking environment.
- com: An advanced tool that combines identity documents and biometrics for quick and secure verification.
These processes ensure that only legitimate customers gain access to your services.
- CCBR Check: Insight into Legal Restrictions
By conducting a check in the Central Guardianship and Management Register (CCBR), you can check whether a customer is under guardianship or has a management order. This prevents agreements from being made with individuals who are not independently authorized to enter into legal or financial obligations. By conducting a guardianship check and management control, your organization gets full insight into the customer’s legal status.
How is the check conducted?
- The customer enters their personal data.
- An automatic link with the CCBR register checks if the customer is registered.
- If there is a match, additional verification or an authorized representative is required.
- Digital Signing: Quick and Legally Valid
A digital signature allows for contracts and agreements to be signed easily and securely. This speeds up the onboarding process and reduces administrative burdens. Electronic signatures provide a legally binding signing of documents without physical presence.
Benefits of Digital Signing:
- Legally binding and secure
- Eliminates paper hassle
- Quick processing without physical presence
- Secured with two-factor authentication
After signing, the document is automatically stored and legally secured.
- Digital Direct Debit Authorization: Hassle-Free Payments
With a digital direct debit authorization, a customer can easily and securely give permission for automatic debits. This prevents errors or missed payments and increases customer satisfaction. SEPA digital debit makes it possible to process payments securely and smoothly.
How does this work?
- Le client reçoit une autorisation numérique via un lien sécurisé.
- Verification takes place through a two-step process (e.g., an SMS code or bank login).
- After approval, future payments are processed automatically.
- This process is quick, secure, and reduces administrative burdens for both the customer and the organization.
Conclusion: A Streamlined and Secure Onboarding Process
By integrating these steps, you establish a customer onboarding process that is both user-friendly and fully compliant. A well-thought-out onboarding minimizes risks, increases customer satisfaction, and saves time and costs.
Successful Onboarding with Bluem
Bluem offers a complete digital solution for customer onboarding. With smart tools such as IBAN-Name Checks, identity verification (via IDIN and Checkin.com), and digital signatures, Bluem ensures a fast, secure, and compliant process. This allows organizations to focus on growth while customers gain seamless access to services.
