GBG FAQs

How do I improve pass rates for onboarding without compromising compliance?

Improving pass rates starts with better data coverage and adaptive verification strategies. Integrating multiple data sources (e.g., credit bureaus, address registries, device intelligence) increases match accuracy and reduces false negatives. Using dynamic risk assessment to streamline low-risk applicants while applying stricter checks only where necessary. 

To avoid compliance risks, ensure your solution maintains a robust audit trail and aligns with local KYC/AML regulations. For instance, GBG’s multibureau approach enables high first-pass rates by validating identities across multiple trusted credit bureaus simultaneously.

Can I configure onboarding flows by region or risk profile?

Yes. Different markets have varying regulatory requirements and customer expectations. Tailoring onboarding journeys by region (e.g., requiring national ID in LATAM vs. address data in the UK) or by risk profile (e.g., enhanced checks for politically exposed persons) ensures both compliance and smoother user experiences.

Tools like GBG Go support this with configurable risk thresholds and journey templates that adapt per user segment or geography.

Can I A/B test my onboarding journeys by region or risk profile? 

A/B testing onboarding flows helps optimize conversion while safeguarding against fraud. You can test different verification methods (e.g., document vs. data-based), UX layouts, or thresholds for flagging risk. The key to success is visibility into metrics like abandonment rate, false positives, and fraud catches.

GBG’s journey builder capability is designed to facilitate A/B testing and real-time iteration of onboarding strategies.

How can we streamline re-verification for returning or existing customers?

Re-verification should be risk-based and minimally invasive. Strategies include:

• Tokenizing verified data so returning users don’t need to resubmit the same documents.
• Behavioral biometrics or device intelligence to passively re-authenticate low-risk users.
• Step-up verification triggered only when anomalies are detected.

Platforms like GBG Go support re-verification through continuous authentication modules and integration with CRMs for real-time user state awareness.

What’s the best way to perform biometric and document verification at scale?

Scalability hinges on automation, accuracy, and fraud resistance:

• Use smart capture technology to guide users through clean document image submission.
• Implement passive liveness detection and deepfake-resistant facial recognition for biometrics.
• Leverage a constantly updated global ID document library to ensure compatibility across geographies.

Solutions like GBG’s facial matching (68-point comparison) and document scanning tech, backed by a global ID database, provide scalable and secure verification in seconds.

What techniques can we use to detect synthetic or fake identities?

Detecting synthetic identities requires a layered approach. Techniques include:

• Cross-checking identity attributes like name, DOB, and address across multiple data sources to expose inconsistencies.
• Credit bureau triangulation, looking for credit file history that doesn’t match the expected age or behaviour.
• Device intelligence to flag suspicious usage patterns or spoofing attempts.
• Behavioral analytics that identify anomalies in how users input data or interact with a form.
• Synthetic identity scoring, where machine learning models assign risk scores based on combined data signals.

GBG’s synthetic identity detection uses these methods, comparing identity traits against historical credit data and behavioural footprints to detect “manufactured” personas before onboarding.

What are the pros and cons of document-based vs data-based verification?

Document-based verification:

• Pros: Works well for thin-file users or in regions without deep data infrastructure; captures visual fraud signs (e.g., forgeries); useful for biometric matching.
• Cons: Slower UX; risk of user error in document upload; potential for spoofing without liveness detection.

Data-based verification:

• Pros: Fast, seamless user experience; easier to scale globally; enables automation; lower drop-off rates.
• Cons: Limited in markets with poor data coverage; less effective for users with little financial or identity history.

An ideal approach often combines both: using data for low-risk profiles and escalating to document checks when needed. GBG supports this layered strategy through adaptive workflows that flex to user context.

What global data sources are necessary for robust KYB checks?

Robust Know Your Business (KYB) checks should include:

• Company registries for legal existence, structure, and ownership.
• Ultimate Beneficial Owner (UBO) registries to uncover hidden control.
• PEP/sanctions/adverse media lists for risk screening.
• Identity verification sources to authenticate directors and UBOs.
• Document libraries for verifying business registration and personal ID documents globally.

For example, GBG Detected aggregates over 600M company records, 200 UBO registries, and 8,500 ID document templates across 196+ countries, automating discovery and reducing manual checks.

How can we reduce the time and effort it takes to onboard business clients?

Key strategies include:

• Automating discovery and screening of companies, UBOs, and directors.
• No-code onboarding flows to simplify intake and adjust per region/sector.
• Predefined rules and risk thresholds to fast-track low-risk applications.
• Integrated case management to track progress and handle escalations centrally.
• CRM integrations to reduce duplication and keep sales, compliance, and support aligned.

Solutions like GBG Detected have reduced KYB onboarding time by up to 60%, slashing time-to-revenue while ensuring full compliance.

What’s the time-to-value for implementing a new identity verification system?

Implementation timelines vary based on complexity, but leading platforms now offer:

• Single API integration, reducing engineering burden.
• Pre-built journeys to speed up deployment for common onboarding use cases.
• Dedicated onboarding support, documentation, and test environments.
• Configurable risk settings to go live with minimal coding.

With GBG Go, businesses can go from contract to live transactions in as little as 5 days and begin measuring ROI through faster conversions and lower fraud almost immediately.

How can we simplify our onboarding tech stack and reduce vendor dependency?

The most effective way to streamline your tech stack is to:

• Consolidate functions (e.g., data checks, document scans, biometrics) into a unified platform.
• Use a single integration layer – like a universal API – to reduce engineering overhead and eliminate multiple vendor management.
• Prioritize solutions with modular capabilities, so you can scale or replace components without rebuilding everything.
• Choose providers with cross-industry expertise, allowing reuse of the same tech across different onboarding use cases (retail, business, high-risk).

Platforms like GBG Go offer over 80 full spectrum identity, fraud, and risk modules under one roof, cutting down integration time, operational complexity, and cost.

Is there a way to manage both KYC and KYB processes through one provider?

Yes, and it’s becoming increasingly common. The key is to find a provider that can:

• Verify both individuals and business entities through the same orchestration layer.
• Offer combined due diligence on UBOs, directors, and corporate entities.
• Handle both regulatory compliance (e.g., AML, sanctions) and user experience with a shared infrastructure.

GBG, for example, offers KYC through GBG Go and KYB via GBG Detected.

How do we ensure all identity checks (documents, biometrics, data) integrate cleanly with our CRM or onboarding systems?

Clean integration comes down to:

• Open API architecture and SDKs that support custom workflows.
• Out-of-the-box integrations with systems like Salesforce or onboarding platforms.
• Role-based access control to manage visibility across teams (compliance vs. sales vs. support).
• Real-time sync and audit trails to ensure decision data flows into customer records without manual handling.

Solutions like GBG Go and Detected support full CRM connectivity and enable seamless cross-team workflows, helping avoid data silos.

Why are our identity match rates low – and what can we do to fix that?

Common reasons for low match rates include:

• Poor or outdated data sources.
• Strict matching rules that reject minor variations (e.g., name abbreviations, typos).
• Inadequate geographic data coverage or limited language/localisation support.
• Lack of fallback methods like document verification when data fails.
  
  

Fixes include:

• Using fuzzy matching and multi-bureau data to improve tolerance and expand matchability.
• Adopting hybrid journeys that escalate to docs or biometrics when data checks fail.
• Regularly analyzing drop-off and failure patterns to optimize UX and logic flows.

For example, Racing Stars improved match rates by 89% after implementing smarter match logic and document fallbacks via GBG.

What techniques or data sources can improve pass rates, especially for low-risk customers?

For low-risk cohorts, the goal is to reduce friction while maintaining assurance. Tactics include:

• Dynamic risk scoring to fast-track applicants who meet trusted criteria.
• Multi-source data aggregation, including credit, address, telco, and email intelligence.
• Passive verification using device signals or behavioural biometrics.
• Pre-validation tools to check address or ID format before submission.

GBG’s data network supports this with over 80 global modules, real-time decisioning, and access to low-friction methods like passive liveness and mobile intelligence.

How can we increase first-time pass rates without lowering our fraud defences?

It’s about precision, not compromise. You can improve first-time pass rates by:

• Tuning match logic with fuzzy matching and flexible thresholds – especially for known-good segments.
• Using multiple data sources (e.g. credit, telco, address) to strengthen identity confidence.
• Applying risk scoring models to segment customers and dynamically escalate only those who require deeper checks.
• Introducing pre-validation steps (like address auto-complete or ID formatting) to reduce user error.

Capabilities like GBG’s multibureau improves pass rates by layering multiple datasets and intelligently resolving discrepancies, without skipping compliance checks.

What’s the most efficient way to verify Ultimate Beneficial Owners (UBOs) across multiple countries?

Efficiency here requires:

• Access to global UBO registries and company data, preferably pre-integrated into your KYB workflow.
• Automated ownership structure discovery, including parent/subsidiary relationships.
• The ability to run simultaneous checks on individuals and entities (e.g. sanctions, PEPs, ID validation).
• Support for manual input with flagging when automated UBO data isn’t available.

GBG Detected automates director and UBO discovery using 200+ ownership registries and links to global ID verification sources, reducing KYB time by up to 60%.

How can we link personal identity checks with business entity checks seamlessly?

Seamless linkage is possible when:

• Individual and business verification are part of the same orchestration layer.
• Data on UBOs, directors, and owners is connected to their personal ID verification in one workflow.
• Both KYC and KYB checks feed into a unified case management system or CRM.
• Your platform supports risk decisions at both levels (e.g., a flagged director halts the business onboarding).

Solutions like GBG Detected combine business and personal identity insights in one end-to-end platform, enabling unified onboarding decisions.

How do we manage the onboarding experience and compliance across both heavily regulated and lightly regulated regions?

To serve multiple regions effectively:

• Use configurable workflows that adapt based on jurisdictional risk and regulatory standards.
• Centralize global capabilities (e.g., document and data checks) while localizing UX and compliance rules.
• Enable dynamic step-up verification, where high-risk regions require stricter checks, and low-risk ones are streamlined.
• Maintain regulatory templates to ensure that onboarding remains compliant without overburdening users.

GBG Go supports this by offering region-specific templates, adjustable thresholds, and regulatory coverage in 195+ countries.

Can we configure different access roles and visibility for compliance vs sales vs support teams?

Yes, and it's essential for scale. You should:

• Implement role-based access controls (RBAC) so each team sees only what’s relevant.
• Maintain audit trails to track data usage and compliance oversight.
• Enable custom dashboards per role, for example, investigators see case histories, while sales sees status updates.

GBG Go allows for user role segmentation and tailored visibility within workflows and decision logs, aligning operational needs with compliance requirements.