How Citygo secured driver onboarding while boosting conversions.
Discover how Citygo strengthened its identity verification process, reduced fraud risks, and improved the user experience with IDnow’s identity verification solution.
Key Results
+66.7% increase in monthly identity verifications
+15.5% conversion rate improvement for the Carpooling Bonus
Integration deployed in just 1 month
Over 3,700 types of documents covered
Discover how IDnow supports Citygo in:
Delivering a streamlined and secure biometric verification journey
Managing key steps in the technical integration
Achieving benefits in compliance, security and conversion
TF Bank, founded in Sweden in 1987, is a European online bank. In Germany, it offers the fee-free TF Mastercard Gold and attractive savings products, including instant access savings and fixed-term deposit accounts.
In the conversion rate from application to customer
99.9% Decrease
In processing time with onboarding
10% Increase
In the conversion rate from application to customer
FINANCIAL SERVICES • EUROPE
TF Bank becomes #1 credit card provider with fastest account opening in Germany with IDnow’s AutoIdent QES
6 minutes read
TF Bank streamlined its onboarding with IDnow, replacing manual checks with an efficient, fully digital identity verification process. By automating key steps, TF Bank reduced operational workload, improved customer experience and gained the flexibility to expand across multiple European markets.
Before partnering with IDnow, TF Bank’s customer verification process was fragmented and largely manual, taking up to 7 days. For a short initial period after partnering with IDnow, TF Bank only used the Document capture and verification suite of AutoIdent, IDnow’s automated identity verification solution. However, our relationship took an iterative approach, and over time, TF Bank added more features and functionalities to further increase conversion rates and reduce onboarding times.
Their previous workflow for issuing credit cards required users to submit ID documents via their app, after which TF Bank manually handled the remaining verification steps. This included:
Requesting customer selfies for identity verification.
Manually matching them with photos from their ID documents.
Sending contracts via email and subsequent following up for signatures.
Managing compliance-heavy processes without automation.
This led to significant operational inefficiencies, increased workload for the TF Bank team and a suboptimal customer experience.
Why IDnow.
TF Bank chose IDnow for several key reasons:
Proven expertise in large-scale European deployments.
IDnow has extensive experience supporting major financial institutions with secure, scalable identity verification solutions.
Flexible verification journeys.
Combining automation with fallback options to manual review experts, reducing manual interventions while improving compliance and fraud prevention.
Industry-leading fraud prevention.
IDnow has a proven track record of stopping fraud, helping TF Bank stay ahead of emerging threats.
Regulatory excellence.
As a leading innovator, IDnow anticipates and adapts to regulatory changes, ensuring compliance with eIDAS 2.0, AMLD6, and other key regulations.
Seamless digital contract signing.
IDnow’s QTSP partnership enables secure and compliant electronic signatures within the verification process.
The solution.
Recognizing these inefficiencies through proactive account management, IDnow identified an opportunity to streamline their process by enhancing identity verification with automated biometric checks and instant Qualified Electronic Signature (QES) ensuring a seamless and compliant customer journey in line with European eIDAS standards. This enhanced solution not only automated the entire verification flow, including capturing user selfies and matching them to the photo on the ID document, but also enabled issuing QES for seamless and valid remote contract signing, required to complete the customer journey.
“Thanks to IDnow, we have become the market leader in our credit card segment. We manage to give our customers a credit decision in real time and verify the customer in real time.”
Julian Grötzbach, Head of Expansion Cards at TF Bank
Architecture and integration.
As a result, TF Bank has significantly reduced manual workload and improved the user experience, making credit card issuance faster and more seamless. Thanks to secure, real-time identity verification – lasting 2–5 minutes or sometimes as little as 30 seconds – customers receive instant credit decisions and can activate and use their cards immediately. This efficiency has positioned TF Bank as a market leader in its credit card segment, increasing its application-to-customer conversion rate by 10%.
Scaling success.
Following the initial success in the German market, TF Bank implemented IDnow’s AutoIdent QES to issue credit cards in additional markets, starting with Austria, followed by Italy. With the introduction of new services like instant money deposits, IDnow has been instrumental in facilitating TF Bank’s ongoing expansion and diversification of its online offerings in Europe. This collaboration extended to TF Bank’s partnership with Avarda, a subsidiary focused on providing flexible payment solutions such as instalment plans and buy now, pay later (BNPL) services, where IDnow’s AutoIdent QES solution are also implemented.
Fraud prevention.
To prevent data manipulation, document forgery, identity theft, and other fraudulent activities, IDnow’s AutoIdent QES conducts multiple verification checks, including:
Basic document analysis (Expiry check, Age check, MRZ integrity check)
Advanced document analysis (Cross-checks between VIZ and MRZ, Front and back side validation)
Advanced authenticity check (Security features check)
Advanced chip authenticity check (Chip check)
“I would recommend IDnow for many reasons – the collaboration is really fun, technically, we are operating at an advanced level, the speed of implementation is excellent, and the collaboration is also highly cost effective.”
Julian Grötzbach, Head of Expansion Cards at TF Bank
Regulatory compliance.
TF Bank’s partnership with IDnow ensures full compliance with the stringent EU Anti-Money Laundering Directive 6 (AMLD6) and Germany’s Geldwäschegesetz (GwG), reinforcing robust KYC (Know Your Customer) measures to prevent financial crime. In addition, the integration adheres to GDPR by implementing advanced encryption protocols and secure data storage practices to protect customer information. Additionally, compliance with DORA (Digital Operational Resilience Act) safeguards the bank’s IT infrastructure against cyber threats, while conforming with BaFin’s supervisory standards ensures stringent risk management and regulatory alignment in the German financial sector.
Technical support.
TF Bank benefits from a dedicated Customer Success Manager (CSM) and an Account Manager (ACM), ensuring expert assistance in resolving technical issues and providing hands-on guidance to maximize conversion rates and operational efficiency. They have direct access to IDnow’s ticketing system, allowing them to log in, create support tickets and track issue resolutions efficiently. Additionally, TF Bank can monitor their data, volumes and performance metrics in real-time through dedicated dashboards and reports.
Next steps.
TF Bank’s commitment to innovation drives their constant exploration of new products and opportunities. As an early adopter of IDnow Trust Services qTSP, they replaced their original qTSP, further streamlining the process and eliminating the need for SMS OTP. Building on the success of AutoIdent QES, TF Bank is now planning an SDK integration in 2025. This will embed IDnow’s verification process directly into their digital platform, removing external redirections and creating an even more seamless customer journey.
Avec une communauté croissante de 3 000 conducteurs et 20 000 passagers par mois sur l’application, Citygo a souhaité automatiser son processus d’onboarding client.
City-Drop’s Challenges:
Securing the customer experience.
Protecting against document fraud.
Complying with regulations.
Apprenez-en plus sur Citygo et les 7 raisons pour lesquelles IDCheck.io a été choisi.
Coinhouse is a French company that has been offering crypto asset management and transaction services since 2014. It is the first French crypto platform registered as a PSAN (Prestataire de services sur actifs numérique) by the AMF (Autorité des Marchés Financiers).
With upcoming crypto regulations like MiCA, on top of existing AML and KYC requirements from French regulators, crypto asset service providers are required to set up a KYC process.
Coinhouse chose IDnow and its Qualified Electronic Signature solution to offer a complete, comprehensive and fully compliant customer onboarding process.
As the leading instant credit provider for the European e-economy, Younited prides itself on speed of transactions and simplicity of use. Younited’s challenge, as it continued to scale, was to ensure the online process remained as intuitive, friction-free and streamlined as possible.
Younited turned to IDnow to help automate the document verification process to improve the user experience and optimize the productivity of operational teams.
Insights.
How Younited was able to improve the overall customer experience
How automated document verification reduced the overhead and increased productivity
How the collaboration with IDnow enabled Younited to expand its B2B activity
The mobility sector is currently undergoing significant disruption. The changing needs of customers as well as innovative digital-first business models make it indispensable to provide a smart, modern way to handle the daily business. A digital verification process that works effectively has a substantial impact on the customer experience, especially at the beginning of the customer acquisition funnel.
Using the AI-powered identity verification IDnow AutoIdent, EWE Go was able to establish a fast, secure, and easy onboarding process.
Insights
How EWE Go was able to improve conversion, speed and user experience using IDnow AutoIdent
Why world-class technology empowers local players to become local champions
How EWE Go makes electromobility possible and easier for everyone
With over 1.5 million digitally-active customers and an increasing percentage of product sales being carried out on its online platforms, AIB (The Allied Irish Banks) was keen to build a modern, resilient and flexible IT infrastructure.
Together with IDnow, AIB designed and built the Remote Account Opening and obtained regulatory approval before launching to the public – with outstanding results. Read the Case Study and see for yourself!
Insights
What kind of challenges AIB faces
Why AIB selected IDnow as its partner for the Remote Account Opening
How IDnow has enabled AIB to quickly and securely transform their onboarding process in line with customer expectations
The pressure for change brought about by digitization is also growing increasingly in the insurance industry. New, digital business models, changing user requirements, and the general shift towards fast and simple solutions are forcing new and established insurers alike to act.
Syncier, a spin-off of the alliance in partnership with Microsoft, has recognized and solved this problem. The Syncier marketplace provides digital services specifically relevant to the insurance industry. These services can then be integrated directly via API into the existing IT systems of insurance companies.
Insights
What the Syncier marketplace offers
How IDnow and Syncier provide efficient identity verification for the insurance industry
Why API management is a key factor in digitalization
Holvi diversified its Know-Your-Customer (KYC) process with services provided by IDnow in 2017. Prior to this process, documents were manually captured and assessed internally by Holvi employees. The user had to upload their ID and wait for it to be verified. During busy periods, clients had longer waiting times. Moreover, verification could only be performed on weekdays during business hours.
In light of rapid business growth, Holvi soon needed to broaden its processes and decided to partner with a professional partner that enables rapid and above all scalable solutions. The goal was to combine a positive user experience with robust security while complying with applicable laws and regulations.
Insights
Why IDnow has become an important component in Holvi’s growth strategy
How IDnow and Holvi managed the balance between customer experience, security and a quick process
How IDnow helped to implement the perfect product for Holvi’s expansion to the UK market
Partners of Solarisbank can use the API connection to the platform to purchase not only Solarisbank’s e-money, instant credit, and digital banking products, but also services from third-party providers integrated on the platform. As a pure B2B2X banking platform, solarisBank has neither bank branches nor its own call centers.
As a fully digital bank, it is essential for Solarisbank business model to guarantee fully digital onboarding from the start. The requirement: Secure video identification must be possible at all times everywhere. Furthermore, a legally compliant and easily integrated eSigning solution was part of their requirement.
The responsibility was given to IDnow – and our case study highlights three decisive reasons why and how the solution makes a big impact on the market.
Delivering a streamlined and secure biometric verification journey
Managing key steps in the technical integration
Achieving benefits in compliance, security and conversion
Optimizing internal operations through automation
