Many younger customers are genuine, but they often look risky to identity verification systems that rely on traditional data like credit histories. When these data checks fail, you risk rejecting good customers or creating slow onboarding experiences that drive them away.
Document verification, biometrics and fraud intelligence help close this gap by providing alternative ways to establish trust.
Identity proofing solutions that help businesses onboard young customers who can't be verified through data alone include us, Veriff and Jumio.
|
Provider |
Global document coverage |
Alternative verification methods |
Orchestration flexibility |
|
GBG |
Supports 8,500+ document types across 195 countries |
Document authentication, biometric face matching, liveness detection, fraud intelligence signals |
Full identity orchestration with adaptive workflows and dynamic routing |
|
Veriff |
Supports 12,000+ document types in 230+ countries |
AI-powered face matching, passive liveness detection, device and behavioral signals |
Offers ability to configure workflows and adjust verification paths |
|
Jumio |
Identity verification spans 200+ countries and 5,000+ IDs |
Biometric selfie matching, liveness detection, AI-driven document verification |
Supports configurable identity verification workflows and decisioning logic |
We provide a specialized suite of identity tools designed to help you connect safely with every genuine user, even those with limited credit histories.
By combining authoritative data with advanced document and biometric authentication, our platform helps you grow your customer base without increasing your risk profile.
Since we've written this article, we'll highlight the ways we help companies onboard young customers with more than just data checks before covering some alternative solutions.
When identity data is unavailable or insufficient, we use automated document authentication to keep the process moving. Our technology verifies government-issued identity documents to establish trust where traditional databases fall short.
This approach is particularly effective for supporting students or young adults who haven't yet built a deep credit or identity history. By moving to a document-led path immediately when a data check fails, you can significantly reduce drop-offs.
"For certain demographics, a government-issued ID may be the only way to prove someone is a real person. An 18-year-old likely has no credit card, no loan, no presence in a credit bureau file. When they present a government ID, we can pass them. So document verification actually improves pass rates for companies that were only doing identity verification before," says Karthik Mani, CPTO & GM, Documents and Biometrics, at GBG.
We add a stronger layer of assurance by linking applicants directly to their identity documents using facial biometric comparison. Our system uses liveness detection to confirm the applicant is physically present during onboarding, which helps prevent impersonation attempts using stolen credentials or synthetic identities.
This real-time check provides the high level of confidence needed when standard data signals aren't enough to make a final decision.
Our KYC orchestration platform, GBG Go, adjusts verification steps in real time based on identity confidence and risk signals.
It routes users through lighter or more advanced checks depending on the specific situation, ensuring low-risk customers enjoy a fast-track experience. Higher-risk cases are automatically sent through additional layers, such as biometric verification, within a single adaptive workflow.
According to Stefan Gajewski, Head of Product – Identity here at GBG, treating every customer the same is a major challenge for many companies. Static journeys often screen young people against expensive credit checks they won't match on, whereas dynamic orchestration allows you to create efficient, demographic-specific paths.
Read more: How to improve KYC conversion rates
Veriff is a global identity verification provider known for its highly automated, AI-driven approach to ID checks. The company focuses on providing high speed and high accuracy through a platform that handles complex global ID formats.
How Veriff helps onboard young customers with alternative verification methods:
Jumio provides an AI-powered platform designed to orchestrate the entire identity lifecycle. A standout feature is its emphasis on reusable identities that allow returning users to verify themselves instantly across different services.
How Jumio helps onboard young customers with alternative verification methods:
Relying exclusively on established databases means missing out on an entire generation of digital-native consumers. Onboarding young customers via data alone often fails because:
Successfully onboarding young customers requires moving past a data-only approach. By integrating document verification, biometrics and dynamic orchestration, you can provide a seamless journey for legitimate users while keeping your business secure.
We combine unmatched global data depth with a configurable orchestration platform that adapts to every user's unique risk profile.
Yes, by using identity proofing solutions that rely on document verification and biometrics rather than credit bureau data. This allows you to verify a user's name, age and identity using their passport or driver's license even if they have no financial footprint.
Liveness detection confirms that a real, living person is present during the onboarding process. It prevents fraudsters from using high-resolution photos, masks or pre-recorded videos (known as presentation attacks) to impersonate a genuine user.
High drop-off rates are usually caused by excessive friction, such as requiring too many documents or forced manual review wait times. Younger users expect an instant, mobile-first experience, so any delay in the verification process significantly increases the chance of abandonment.
*Disclaimer: Information relating to third-party products and companies referenced in this article is based on publicly available sources and official publications at the time of writing. While reasonable efforts have been made to ensure accuracy, product features, positioning and company information may change and GBG does not guarantee that all information remains current or complete.
Nothing in this article constitutes an endorsement, recommendation or ranking of any third-party provider. Readers should consult each provider’s official website and conduct their own assessment before making any purchasing decisions.
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