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Onboarding

Reduce fraud at sign-up

Finovox software detects forged documents at sign-up and checks that the information is consistent. Strengthen your compliance checks and reduce fraud risk throughout the customer relationship.

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  • 19 %

    of surveyed fraudsters say they committed fraud to obtain assistance, a warranty or a benefit.

  • 24 %

    of surveyed fraudsters say they falsified or altered an invoice.

  • 17 %

    of surveyed fraudsters say they committed insurance fraud.

Why teams use Finovox software for onboarding

Detect forged documents, strengthen your compliance checks and review anomalies before approving an application.

Detect forged documents at sign-up

Finovox software checks submitted documents for signs of forgery. Identify suspicious documents before approving an application to reduce fraud losses.

Strengthen your compliance checks

Check that documents are valid and that their information matches the application. Finovox software supports your team’s checks using the criteria defined for your onboarding process.

Understand the alterations detected

Review suspicious documents on the platform. Finovox software provides analysis findings to help you understand the alterations flagged. Your team decides how to proceed with the application.

Document fraud detection

Finovox actively contributes to detecting forged documents through a set of corroborating indicators.

The solution has become an essential component for iCover

Antoine Andrieu

Head of Fraud solutions · iCover

Read the customer story

Secure your onboarding process by checking every document

Finovox software checks submitted documents for signs of forgery. It also checks their validity and whether the information matches your application records.

  • Identity documents
  • Proof of address
  • Bank account details (RIB)
  • Payslips
  • Tax assessment notices
  • Insurance claims history certificates

Real-world onboarding scenarios

Signing up for a service

An applicant submits a forged identity document to obtain a discounted subscription. The document needs to be reviewed before the service is activated.

Documents
Identity document and supporting documents required for the subscription.
What to detect
Altered information on the identity document and forged supporting documents.

Taking out insurance

An applicant provides a forged claims history certificate to pay less for car insurance. The fraud starts when the policy is taken out.

Documents
Identity document, driving licence and claims history certificate, depending on the policy.
What to detect
Documents forged to conceal previous claims or reduce the premium.

Registering on a platform

Someone uses another person’s identity document to create an account under a false identity. Checks cover both the document and the information provided.

Documents
Identity document, when required at registration.
What to detect
Information that does not match the account and signs of document alteration.

Let’s talk about your challenges

Use every document to make an informed decision.

Discover how the Finovox Suite integrates with your workflows and meets your document verification needs.

  • Automate document processing
  • Apply your own business rules
  • Detect signs of document fraud
  • Support your decisions with evidence

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our experts

Tell us about your project and explore what Finovox can do for you.

Document fraud in Europe

Explore the findings of the Finovox study of 8,000 respondents across eight Western European countries. Understand document fraud practices to inform your prevention efforts.

14 %of respondents in Germany admit to document fraud — the highest rate in the study

75 %of respondents in the UK consider document fraud easy — the highest share in the study

Download the European study

Complete the form to access the study.

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Your onboarding questions answered

Fraud at sign-up, compliance and documents: answers to your questions.

How can we detect fraud at sign-up?

Finovox software looks for signs of forgery in submitted documents. It also checks whether the information matches the application. Your team reviews anomalies before approving the application.

How does Finovox software support compliance?

Finovox software checks documents against criteria defined with your team. These document checks support your compliance processes. On their own, they do not cover every regulatory obligation that applies to your business.

Why act before approving an application?

Identifying forged documents at the start of the customer relationship helps reduce fraud losses. For insurance policies, rejecting a fraudulent application also helps prevent unjustified claims payouts.

Which documents should we check during onboarding?

Identity documents, proof of address, bank account details or proof of income: the documents depend on your onboarding process. An insurance policy may also require a claims history certificate. The documents you request should reflect your business and the applicable requirements.

Is a document that fails a check necessarily fraudulent?

No. An expired document can be genuine, while a recent document may have been forged. Finovox software distinguishes unmet criteria from signs of fraud to help your team review the application.

What should we do when an anomaly is flagged?

Request an updated document if it has expired. Ask for clarification if the information does not match. When there are signs of forgery, your team can investigate further on the platform with Case Investigation.

How can we integrate Finovox software into our process?

The API lets you submit documents and retrieve results within your own tools. The platform lets you examine documents and understand the alterations flagged. Checks are defined with your team to suit your process.

Who decides whether to approve or reject an application?

Your organisation makes the decision. Finovox software provides the results of the checks. Your team can proceed with the application, request additional information or carry out a more detailed review. An alert alone is not proof of fraud.

Where are submitted documents stored?

Hosting and retention arrangements should be discussed with the Finovox team. Contact us to find out which arrangements suit your integration and security requirements.