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.
Use Case · Identity Verification
Three paths, one outcome: conclusively verified identity
Applicable across: Banking & Leasing · Insurance · Telecommunications · Energy Providers · Ecommerce · Public Sector
- Three Verification Methods
- Pre-Configurable Selection
- Fully Digital
- Built for Regulated Processes
About This Solution
Austria’s official electronic identity — direct, government-backed verification with no additional matching step required.
Bank-Ident
Identity is verified through a name match with the applicant’s bank account: the name provided is compared against the actual account holder of the given bank connection.
Document-Ident
A photo of the applicant’s ID document is matched against a live selfie — confirming that the person on the document matches the person actually present.
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 digital identity verification work without ID Austria?
Customers without ID Austria can verify their identity via Bank-Ident or Document-Ident — both methods use ID document and selfie verification, are fully digital, and require no in-person appointment or visit to a government office.
What's the difference between ID Austria, Bank-Ident, and Document-Ident?
ID Austria uses Austria’s official state-issued electronic identity, Bank-Ident matches the name provided against the actual account holder of a bank connection, and Document-Ident verifies identity by matching a photo of the ID document against a live selfie.
Can multiple identity verification methods be offered at the same time?
Yes. Businesses can offer ID Austria, Bank-Ident, and Document-Ident individually or in combination — a common setup pairs ID Austria with Bank-Ident as a fallback option.
How does digital identity verification help prevent identity theft and fraud?
By matching a claimed identity against a trusted source — a government-issued ID, a bank account, or a live biometric match between an ID document and a selfie — digital identity verification prevents someone from using falsified or stolen credentials to pose as another person.
Which industries use digital identity verification?
It applies across industries, including banking, leasing, insurance, telecommunications, energy providers, ecommerce, and public sector organizations — anywhere customer identity needs to be verified securely and reliably.
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
Ready to confirm identities 100% digitally via ID Austria, Bank-Ident or Document-Ident?
Fill in the form and you will receive an answer as soon as possible.
Our team of experts is ready to answer your questions, give you more info and help you.
