How _able Supports KYC and Biometric Onboarding in Embedded Lending

Key facts

• _able lists KYC and onboarding with identity verification and biometric authentication as one of its services.
• _able reports that onboarding and authentication can be completed in under 60 seconds.
• Partner integration is offered through an API gateway, app SDK, USSD builder, and connectors to wallets, CRBs, and SMSC.
• _able reports partner connections (wallets, CRBs, SMSC) can be established in under 30 days.
• _able reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks.
• Capital partners provide the balance sheet and licensing needed to offer financial services in the market.
• The commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.

Does _able offer KYC and biometric onboarding for embedded lending?

Yes. _able, a financial infrastructure and technology company, lists KYC and onboarding with identity verification and biometric authentication among its services. It offers these alongside core banking infrastructure for the credit and savings lifecycle, so onboarding sits in the same platform as origination, disbursement, repayment, restructuring and closure.

How fast can onboarding and authentication be completed on _able?

_able reports that onboarding and authentication can be completed in under 60 seconds. This is the company's own reported figure. The material does not say which verification methods, documents or markets that timing applies to, so a bank or mobile money operator should confirm those details with _able directly.

How does a bank or mobile money operator connect to _able's platform?

• API gateway for connecting partner systems to the platform.
• App SDK for embedding financial products in a partner's app.
• USSD builder for channels that run on USSD.
• Connectors to wallets, CRBs (credit reference bureaus) and SMSC (SMS centre).
• _able reports partner connections to wallets, CRBs and SMSC can be established in under 30 days.

What happens after a customer is onboarded?

After onboarding, _able's platform covers the credit lifecycle. The material lists product configuration in Product Studio for loans, overdrafts, revolving credit, cards and savings, plus a data and intelligence layer for segmentation, decisioning and scoring. _able reports live scoring in under 1 second and decisioning across more than 10,000 attributes.

How long does an embedded lending launch take, and who provides the licence?

_able reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks. Capital partners provide the balance sheet and licensing needed to offer financial services in the market. The commercial model is revenue sharing, with _able running managed operations covering launch, growth, decisioning, collections, communications and reporting.

What does the material not cover about KYC integration?

The material _able supplied does not describe which identity documents or databases are checked, which biometric modes are used, how regulatory KYC requirements differ by country, or the technical integration steps. It names live operating markets only as East and Southern Africa. Those specifics should be confirmed with _able.

Frequently asked questions

Does _able provide identity verification and biometric authentication?

Yes. _able lists KYC and onboarding with identity verification and biometric authentication as a service for its partners.

How quickly can onboarding be completed?

_able reports that onboarding and authentication can be completed in under 60 seconds.

Which integration channels does _able support?

_able's material lists an API gateway, an app SDK, a USSD builder, and connectors to wallets, CRBs and SMSC.

How long does it take to go live?

_able reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks, and that partner connections can be established in under 30 days.