Detect fraud and abuse risk before contracts are signed, financing is approved, or accounts are activated — with verified identities, trusted financial data, and preventive digital process logic built into every step.
Use Case · Fraud Prevention
Fraud Prevention Starts Before the Decision
Built for: Banks · Leasing Companies · Insurers · Real Estate Platforms
- Preventive Fraud Reduction
- Verified Data Sources
- API-Based Integration
- Built for Regulated Processes
About This Solution
FINcredible captures identity and financial data directly from trusted sources — before a decision is ever made. This reduces fraud risk at the point of origin, within your onboarding and financing processes, rather than detecting it after the fact.
Every check is embedded seamlessly into a single digital workflow — no fragmented tools, no added friction for your customers.
Verified Identity in Seconds
Identity verification via ID Austria, Bank-Ident, or FotoIdent ensures every digital process starts with a conclusively verified individual.
Real-Time, Bank-Based Financial Data
Income and household data is captured directly through bank-based verification — accurate, up to date, and fully integrated into your digital process.
How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.
Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Questions
How does fraud prevention with FINcredible work?
FINcredible verifies identity and financial data directly at trusted sources — via ID Austria, Bank-Ident, or FotoIdent, as well as bank-based income and household data. This reduces fraud risk before a decision is made, rather than detecting it afterward.
What verification methods does FINcredible offer?
Three methods are available: ID Austria (electronic proof of identity), Bank-Ident (verification through the applicant’s own bank), and FotoIdent (document and photo matching). Depending on the package, a single method or all three combined can be used.
Is the solution KYC/AML compliant?
Yes, the verification processes are designed to meet the requirements of regulated industries and support KYC- and AML-compliant customer identification as part of digital onboarding processes.
Which industries is the solution suitable for?
FINcredible is used by, among others, banks, leasing companies, insurers, and real estate platforms — anywhere identity or creditworthiness needs to be verified before a contract or financing decision.
How is FINcredible integrated into existing processes?
Two options are available: the WebApp for direct use with no development effort required, or the API for integration into existing onboarding, financing, or contract systems.
How long does an identity verification take?
Verification via ID Austria, Bank-Ident, or FotoIdent is fully digital and typically completed within a few seconds — without manual document matching.
Does FINcredible replace traditional fraud detection systems?
FINcredible reduces fraud risk at the point of origin through verified identity and financial data, but does not replace downstream fraud monitoring or detection systems.
Testimonials
See what our clients say about working with us.
5/5
“FINcredible demonstrates what responsible handling of user data protection can look like. For the founders, data privacy is a top priority.”
Philipp Kinsky, Partner, HERBST KINSKY Rechtsanwälte GmbH
5/5
“FINcredible has an enormously strong team. With their product ‘FINcredible MietCheck’ and their focused market approach, this FinTech company has extraordinary potential.”
Patrick Pöschl, Chairman, Fintech Austria
5/5
“ImmoScout24 continuously improves its service for property seekers. The partnership with FINcredible for creditworthiness checks helps future tenants present themselves competently and credibly to landlords, while protecting their data far better than has traditionally been common practice.”
Markus Dejmek, Austria Country Manager, ImmoScout24
5/5
“Currently, willhaben lists more than 20,000 rental apartments and over 1,300 houses for rent. Once someone has found their dream property with us, they often have very little time to stand out against other prospective tenants. That’s why we’re glad to have FINcredible as a partner at our side, making the property search even easier for our users while placing just as much value on security and data protection as we do.”
Judith Kössner, Head of Real Estate, willhaben
5/5
“We wanted to close the gap between modern property management and well-founded tenant decisions. With FINcredible, we’re integrating a solution that creates transparency and supports owners in one of the most important decisions in the rental process.”
Laurens Pohl, CEO, ImmoAssist
5/5
“Our goal is to make financing as simple as possible, without losing sight of responsibility or reliability.”
Herbert Hirscher, CEO, Mercedes-Benz Financial Services Austria
5/5
“With this modern solution, which we are initially testing in the Diocese of St. Pölten and then plan to roll out across Austria, we are creating a win-win situation: more efficient processes for us, the highest security for our donors, and an active contribution to environmental protection.”
Christoph Riedl, Secretary General, Caritas St. Pölten
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