Banking and Fintech Integrations

Banking and fintech integrations embed Incode identity verification directly into core banking platforms, digital account opening workflows, and lending origination systems. They are designed for financial institutions that need to satisfy Know Your Customer (KYC), Customer Identification Program (CIP), and Anti-Money Laundering (AML) requirements as part of a fully digital onboarding experience without requiring applicants to complete verification outside the banking platform.

When a new applicant submits an account opening request or a loan application, the banking platform triggers an Incode verification session. The applicant scans their government-issued ID and completes a liveness check on their mobile device. The result is returned to the banking platform to gate credit decisioning, account activation, or
compliance recordkeeping.

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Note
Banking and fintech platform integrations are on the Incode roadmap. If you are a financial institution or fintech looking to integrate Incode with your core banking platform, contact your Incode Representative to
discuss your use case and timeline.

Platforms on the Roadmap

The following platforms are planned for integration:

Platform	Use case
Mambu	KYC verification at loan origination and account opening for fintech lenders and embedded finance providers
Apiture	CIP-compliant identity verification for community banks and credit unions during digital account opening
FIS / Worldpay	Automated IDV as part of digital account opening and KYC refresh cycles for tier-one banks
Temenos	Mobile-first KYC for digital challenger banks and neobanks built on Temenos Transact or Infinity
nCino	Identity verification of business owners and signatories as part of KYB and AML workflows for commercial banks
Sopra Banking Suite	Payment Services Directive 2 (PSD2) strong customer authentication and AML onboarding compliance for European banks