Competitive Insights

Contract Detection shows your sales team which recurring payments an end customer is making to competitors — automatically identified from shared account transactions, with explicit consent, as part of the existing verification process.

Account Information

Use the IBAN Name Check to verify whether the stated payee name matches the actual account holder — before a SEPA payment or direct debit mandate is triggered.

Fraud Prevention

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.

Communication Data

Verify your customers’ phone numbers and email addresses — and build the foundation to communicate securely and sustainably online instead of by mail. No third-party providers, wherever digital communication with customers makes sense.

Payments

Replace paper-based direct debit mandates with a fully digital SEPA mandate backed by strong customer authentication — IBAN and account holder are verified simultaneously.

Creditworthiness Assessment

Analyze account transaction data from the past 12 months for an objective assessment of payment capacity — standalone, or optionally combined with KSV1870 or Schufa data.

Identity Verification

Not every customer has ID Austria — that’s why FINcredible combines three digital identity verification methods you can configure to your needs: ID Austria, Bank-Ident, or Document-Ident.

End to End Onboarding

Guide customers from first contact to a verified, decision-ready dataset — no fragmented tools, no separate systems.