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Cyber attacks are 300 times more likely to occur in the banking and lending industry than in any other industry. This issue is particularly salient in the lending space. Not only is it important to avoid funding bad actors, but you must ensure to lend to customers who intend to pay the money back⁠.

Increased regulatory scrutiny

KYC compliance regulations are becoming more stringent as service digitization becomes more important. With the threat of fraud in the banking and lending industry, increased scrutiny is being applied to ensure compliance and the safety of users.

Bad users defaulting on loan payments

Users will take out loans and sometimes are unable or do not intend to repay them. If KYC is not performed correctly, identifying these defaulters becomes a hassle, costing the company time and money.

Our Solutions

With one integration Smile Identity can help

Our Solutions

Building your Verification Flow

What can you build with Smile Identity? Here’s how our APIs come together to bring ideas to life.

  • Basic KYC

    Verify that the personal information submitted by your users matches what is stored in the ID authority database. We return a value of match, partial match, or no match.

    Learn more about Basic KYC

  • Enhanced KYC

    We query a user’s identity information at an official ID authority, using their ID number, and returns that information.

    Learn more about Enhanced KYC

  • Biometric KYC

    We match a user-submitted selfie to the photo on file in an ID authority database, so you can be sure that your users are who they say they are.

    Learn more about Biometric KYC

  • SmartSelfie™ Authentication

    We authenticate your users with our innovative facial verification technology which combines face matching, liveness and spoof checks, all with a high rate of accuracy.

    Learn more about SmartSelfie™ Authentication

  • Document Verification

    We verify the authenticity of 142 IDs across 100 countries to validate the identity of your customers.

    Learn more about Document Verification

  • Business Verification

    Directly access government business registries in Nigeria, Kenya and South Africa in real-time.

    Learn more about Business Verification

We appreciate the relationship we have with key partners through Smile Identity. They help us to stay a step ahead of our competitors and understand regulations. If we have any questions regarding KYC or identity, Smile Identity are the experts we reach out to.

Chirag Garg

Chirag Garg

Product Manager, Umba

Find out how you can start verifying your users in under 4 seconds.

Schedule Demo