The challenge
Compliance teams need to know that the person opening an account is who they say they are. Asking for an ID document adds friction, and many good customers drop off. Checks also have to work the same way in every country the business operates in.
What Monnai did
- Each new customer’s name, date of birth, address and phone number is checked against the records held by mobile operators.
- Every field comes back as a clear result: match, partial match or no match.
- One integration covers every market. Adding a new country does not mean a new project.
- Results arrive in under a second, so checks run during sign-up, not after.
What this means for risk and compliance teams
- Faster onboarding: most customers are confirmed in real time, with no document and no extra step.
- Clear signals: about 1 in 3 new customers has a name or date of birth that doesn’t match the operator record. These go to review before the account opens.
- One approach across markets: results are consistent in Europe and North America, so one policy works everywhere.
