KYC Match
KYC Match recovers genuine customers who fail a credit-only identity check, by matching them against data the credit agencies do not hold. The customer is cleared in the same session, and your checks stay exactly as strict.
A meaningful share of the people trying to sign up are real, eligible customers who fail your first identity check. They are recent movers, younger adults, newcomers to the UK, and people who do not show up well in credit data. When the check returns no match, they get pushed into document uploads and selfie capture, or they give up and go elsewhere. You lose revenue at the exact moment you were closest to winning it.
Financial exclusion
Around 7.1 million UK adults are financially excluded, roughly one in seven.
Source: gov.uk and FCA financial-inclusion data.
Case study
The second wash found data on 55% of the failures. Of those, 25% matched on one source, 15% on two, and 15% on three or more. The remaining 45% had no footprint anywhere, the genuinely high-risk group a compliance team wants to isolate. The operator recovered real revenue and got a sharper view of the risky minority at the same time.
OneID's own case study, kept anonymous at the operator's request.
KYC Match matches name, address and date of birth across mobile networks, banks, insurance data, public sector data, finance applications and the credit reference agencies. You choose which sources, in any combination.
It returns configurable match counts across name, address and date of birth, so you meet and exceed the 2+2 benchmark on your own terms. The verification standard stays exactly where the regulator set it. The data used to clear it widens.
Run it as a real-time API inside onboarding, so a failed customer is recovered in the same session without being sent to photograph a passport, or as a batch data wash over an existing book.
Fast, high-volume signup where thin-file failures cost real GGR.
Digital-native customers who often lack deep credit footprints.
Younger demographics and MLR-driven onboarding pressure.
Recover applicants who fail identity before affordability is even assessed.
Also suits any business that loses good customers at the identity step.
Free comparison
Run 1,000 of your previously failed records through KYC Match and compare the results against the checks you run today. Send name, address and date of birth for the records you want tested. You get back the match counts against your current pass rate, so you can see in plain numbers how many more customers you could recover.
There is no contract and no commitment to buy.
KYC Match performs the identity-matching step. Your firm keeps responsibility for risk assessment, ongoing monitoring and source of funds where required, and stays liable overall. As a certified Digital Verification Services provider, OneID is a reliable, independent source for the identity step under current gov.uk guidance.
KYC Match is OneID's data-matching service that verifies a person's name, address and date of birth against a wide network of independent sources — mobile networks, banks, insurance, public sector, finance and the credit reference agencies. It returns configurable match counts so you can meet and exceed the 2+2 benchmark using far more data than a credit check alone.
No. 2+2 is an industry convention that has become the working benchmark for many regulated firms. The FCA and JMLSG do not mandate a specific number of matches. KYC Match lets you configure the standard your policy requires and evidence it clearly.
A credit reference check only sees people with a credit footprint. KYC Match reaches beyond that into mobile, banking, insurance, public and finance data, so it can verify recent movers, younger adults, newcomers to the UK and other thin-file customers a CRA-only check misses.
A data wash is a batch run of records through KYC Match to see how many previously failed customers would match against the wider data set. It is the fastest way to size the recovery opportunity on your existing book.
NAD is a match on Name, Address and Date of birth. NA is Name and Address only. ND is Name and Date of birth only. Match combinations are returned per source so you can score results against your own policy.
KYC Match handles the identity-matching step of customer due diligence. Your firm keeps responsibility for the wider AML programme, including risk assessment, ongoing monitoring, source of funds and enhanced due diligence where required.
Submit 1,000 previously failed records through the free comparison offer. Send name, address and date of birth and we return the match counts so you can compare against your current pass rate before any commitment.
