KYC, KYB & Client Onboarding

Know Your Customer (KYC) and Know Your Business (KYB) clients with Ubisecure Organisation ID and Individual ID services. Reduce identity fraud and improve onboarding efficiency.

Citi logo

“We have partnered with Ubisecure… And the feedback that we are receiving from onboarding is that clients are really grateful to have the service… And what benefit I can see from a client’s perspective is… it’s a win-win.”
Deborah Hardy, SVP Citi 

Both Individual ID & Organisation ID

KYC can be achieved by understanding Individual ID, and KYB by understanding Organisation ID. Ubisecure makes both identity types available in your onboarding workflows.

User Experience

As onboarding is the first interaction with your service, a good user experience in this step is paramount. 45% of users will give up if the registration process is too manual, complex or time consuming. Improving onboarding workflows can have a big impact on your completion rates.

Security & Fraud Prevention

Identity assurance levels vary depending on your service and regulatory context, but being able to trust who your users are, and receiving accurate identity data are essential pillars to prevent identity fraud.

Operational Efficiency

Onboarding is your opportunity to improve operational efficiency through smart automation, saving costs and maintaining efficiency at scale. You need a digital onboarding solution that grows with your business, not one that holds back growth.

Effective KYC using Individual ID

CIAM Capture Proof Convert

Access the European reusuable Identity ecosystem

The Ubisecure Identity Platform connects Identity Providers (IdPs) to your user registration and logins, allowing your customers, partners and users to use existing verified identities to assert who they really are. It’s a win: win for you and your users – they register and login more conveniently, your organisation benefits from reduced identity fraud.

Tapping into reusable identity enhances user privacy, and achieves seamless, secure, compliant and efficient identity verification. Ubisecure KYC supports dozens of reusable identities including Bank ID, NemID and other EU identity schemes as well as powering the world’s most extensive digital identity brokering platforms.

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Identity verification using document verification or physical biometrics

The Ubisecure Identity Platform enables real-time identity verification using government-issued identity documents and physical biometrics such as facial scanning. The combined solution from Onfido and Ubisecure scans physical ID documents from over 4,500 document types from 195 countries and can use biometric technology to verify that the document truly belongs to the person being onboarded.

This is useful for service providers needing/wanting to carry out digital-first identity verification, but that operate in countries that do not yet offer reusable verified digital identities.

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Identity Verification

Logos from federated identities

Attribute Aggregation for Enhanced Privacy

Effective onboarding requires the company to simplify the identity management by consolidating the onboarding data set. Ubisecure supports the collection, aggregation and exchange of user attributes to offer enhanced user privacy. The core functioning includes:

  • Normalising data from different providers to simplify application integration
  • Masking user data according to minimum information disclosure principles
  • External service queries – resolving a common attribute through a commercial or in-house web service

Ubisecure is used to integrate data sources so the user‘s identity-related data can be retrieved and utilised on a per-session basis. The result is an individual identity profile, specific to each connected application or outbound federation link. Only those attributes needed for functioning, and authorised by the user, are shared.

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Delegated Authority

Identity Relationship Management & Delegation enables multi-tier delegated administration and delegation of authority, improving efficiency, reducing costs and enhancing security. Delegation allows the principle of “verify, delegate, assert” to be implemented at large scale within both closed and open ecosystems.

  • B2C/G2C example – one admin user from a customer group plan (e.g. parent within family) carries out the onboarding process, then sends invitations to others in the group with role-based access.
  • B2B/G2B example – one admin user from your partner organisation takes responsibility for their colleagues’ access to your digital service, within your defined parameters. The partner admin delegates access/authority to users within their own organisation.

Both scenarios remove manual work from your own IT/Support team and eliminate the need for shared access credentials which present a security risk.

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Delegated User Management

Effective KYB using Organisation ID

Rapid LEI by UbisecureManage Legal Entity Identifiers

Legal Entity Identifiers (LEI)

A Legal Entity Identifier (LEI) is a 20-character global identifier that identifies distinct legal entities that engage in transactions. It is defined by the ISO 17442 standard, endorsed by the G20 & FSB and is intended to be “the one identity behind every business”. The LEI provides access to verified organisation reference data and connects the numerous different organisation regional and private identifiers used in KYB.

Use LEI in KYB to gain significant cost savings, and achieve measurable impact to people and staff productivity, and improve transparency into available entity data. Service providers can view live, verifiable data about clients to ensure higher levels of trust for Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD).

“If I could go back in time, one of the key things I would have done is look at whichever use case you’re struggling with when it comes to legal entity, where LEI can actually add value. For me, it would have been cheaper to actually fund an LEI for every single one of my suppliers than continue to have really expensive people clean data.”
Oswald Kuyler – Head of Strategy at MonetaGo Europe

Ubisecure is accredited by the Global LEI Foundation (GLEIF) to issue LEIs. Ubisecure RapidLEI is the number one issuer of LEIs worldwide and offers both web and API-based solutions for Organisation ID issuance and management.

LEI Everywhere™ for Banks & FIs

LEI Everywhere automates LEI registration for Banks & Financial Institutions. LEIs are issued when a Bank or FI client has its identity verified during initial onboarding or client refresh. Both the validation of legal entity identity data and the subsequent registration (and renewal) of the LEI is automated to be registered in parallel with existing workflows without the otherwise duplicative processes.

  • Enhanced verification for both initial LEI registration and subsequent renewals
  • Assisting KYC (Know Your Customer), AML (Anti-Money Laundering), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) onboarding and client refresh cycles
  • Supports the GLEIF Validation Agent role and framework
  • Reduced annual fees

Find out more about LEI Everywhere


GLEIF logo

“Today, the global banking sector spends around U.S.$40 billion on client onboarding annually. That’s an estimated U.S.$54m per bank, U.S.$31m of which is ‘people’ cost. Productivity improvements gained through LEI usage could generate cross-sector cost reductions of between 5-10% annually.”
Global LEI Foundation

Citi logo

“We have partnered with Ubisecure, and we are now a Validation Agent able to provide LEI to our clients, and it just made the process so much quicker and easier. And the feedback that we are receiving from onboarding is that clients are really grateful to have the service… And what benefit I can see from a client’s perspective is – they are going to have to go and get an LEI, but they also have to go through all of our onboarding KYC, sending us a lot of documentation. Who wants to do that twice? We can now get the LEI for them. So, it’s a win-win.”
Deborah Hardy, SVP Citi 

Sparkasse Bank

“We recognise the importance of LEI in global trade finance and participation in capital markets, so the provision of LEI services complements our business model and improves the level of service we offer our customers.”
Paul Mifsud, Managing Director at Sparkasse Bank Malta plc

Onboarding Employees associated with Organisations

Right to Represent

Right to Represent is a Ubisecure service which allows service providers or government departments to connect to and check a company’s verified identity and the rights of individuals to request on behalf of, or represent, the company.

Representation attributes can include legal, financial, administrative or other authoritative powers. Right to Represent digitises costly administrative governance to technically implemented governance. It makes way for automated workflows that reduce manual workflow costs by as much as 99% and reduce fraudulent organisational representation during the onboarding of new customers.

Digitising representation workflows also enables compliance to regulations by enhancing security and increasing transparency over who has rights to do what on behalf of the organisation. Because Right to Represent provides advanced KYC and ties an individual to an organisation, it can also dramatically reduce the time to execute successful corporate KYC/AML.

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Right to Represent - Authentication Workflow



Finnish Government

Deploying a nationwide delegation & representation platform for 400k+ organisations, citizens and 100+ Government services.

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By KuppingerCole

An overview of the Customer Identity and Access Management (CIAM) industry & an impartial high level description and analysis of the Identity Platform.

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Using IAM & LEIs to Improve Onboarding & KYC

How to optimise customer onboarding for seamless, secure and compliant Know Your Customer (KYC) workflows.

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