Account ownership
Support permitted name and account matching or ownership evidence.
Consent based verification
Verify the financial fact without asking the customer to reconstruct it.
Support account ownership, income, transaction, and onboarding verification through current permissioned financial information.
Less manual evidence
Verification journeys can become faster when the customer authorizes the relevant financial fact to be checked at its source rather than uploading static documents.
Core capabilities
Built around the outcome, not a catalogue of disconnected features.
Each capability can stand alone, but the value compounds when data, consent, intelligence, and action stay connected.
Income verification
Identify recurring salary and other qualifying inflow patterns.
Transaction confirmation
Confirm relevant payment or account activity within the approved scope.
Onboarding support
Reduce duplication by using current permissioned account holder information where allowed.
Purpose limitation
Design the flow around the minimum data necessary for the stated verification purpose.
Evidence trail
Preserve authorization, access, result, expiry, and operational records.
From intent to operation
A controlled journey from first question to live capability.
Open Finance works when product, technology, compliance, operations, and the customer journey move through the same programme.
Explain
State the fact being verified and why.
Authorize
Collect scoped consent and authentication.
Check
Retrieve and interpret the required information.
Return
Provide the result and preserve the evidence trail.
Experience layer
Verification without document theatre
The customer understands the request, controls access, and receives a clear result, while the institution retains the evidence it needs.
Operating model
Verification and Onboarding
- 01Purpose specific request
- 02Strong authorization
- 03Current source data
- 04Traceable result
A transparent view of the capabilities involved. This is an operating model, not a product screenshot.
Ask for the fact, not a folder of screenshots.
Map the verification purpose to the required data, consent, result, and retention rule.