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Scaling Consumer Credit at the Amazon Checkout: Seamless Identity Verification for Peak Seasons

This Credit Financing Company is a premier consumer finance provider and the primary financing engine for Amazon and other leading global marketplaces. Operating at the center of the European economy, it drives growth in high-demand markets like Spain and Germany.

/Impacts & Results

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/Overview & Challenges

Who is the client?

This Credit Financing Company is a premier consumer finance provider and the primary financing engine for Amazon and other leading global marketplaces. Operating at the center of the European economy, it drives growth in high-demand markets like Spain and Germany.

Main Challenges

The Challenge: In the high-velocity world of “Buy Now, Pay Later” (BNPL), the client required a solution that could sustain massive year-round growth while remaining “burst-ready” for seasonal shopping peaks during special campaigns.
The Surge: With over 1.5 million processes annually and an average ticket size between €80 and €500, the platform operates in a high-volume, low-margin environment where every second of delay directly impacts the bottom line.

In a market growing at over 11% CAGR, any friction in the onboarding process results in immediate transaction loss and a decline in marketplace partner trust.
To solve this, the platform utilizes a sophisticated, tiered verification strategy tailored to the transaction risk:
1. Value Purchases (Under €1,200): A streamlined, document-only verification flow ensures near-instant approvals.
2. High-Value Financing (Above €1,200): A robust security layer is triggered, requiring document verification combined with a biometric selfie and liveness check to prevent sophisticated fraud like deepfakes or identity theft.
This hybrid approach ensures the process remains fast, secure, and fully digital, providing the “impeccable traceability” required by the CCD2 without slowing down the customer journey.

/Opportunities & Benefits

Opportunities

/With the enforcement of the EU Consumer Credit Directive 2 (CCD2), the primary objective was to ensure that all credit origination processes are based on verified identity and impeccable traceability. The platform needed to demonstrate to auditors that its process was ethical, legal, and transparent.

/The platform required a solution capable of fast scalability to match its rapid international expansion and seasonal peaks. The goal was to build a system that could grow effortlessly across borders, such as the +740% growth in Germany, without the need for linear increases in manual operational costs.

Benefits

/By leveraging Veridas’ IDV platform, this Credit Financing Company has moved beyond traditional “proxies” for identity like passwords or tokens that can be stolen, to establish absolute certainty in real time.

/The system ensures the presence of the real identity (the person) while simultaneously verifying the reliability of the device and the channel being used. By addressing the digital reality that true trustworthiness now depends on this “triad” of person, device, and session assurance, the company effectively stops sophisticated fraud, such as deepfakes and injection attacks, before they can compromise the system.

/This holistic approach not only eliminates human error and bias but also provides an intuitive digital service that keeps customers satisfied and the process fully auditable.

Veridas Value Proposition

To deliver this vision, the Credit Financing Company implemented the Veridas Identity Verification Platform, a comprehensive, end-to-end solution where every component, from document OCR to biometric matching, is developed entirely by Veridas.

This total technology ownership allows the company to turn threats into opportunities by providing complete coverage against deepfakes and injection attacks while outpacing new threats through an adaptable, innovative roadmap. The proprietary engine ensures users verify on the first try across any channel, from mobile apps to social media browsers, creating a seamless, seconds-long experience that drives growth through trust.

By utilizing this 100% in-house stack, the company achieves:

Continuous Scalability: While manual systems face backlogs during growth, Veridas enabled the client to increase their daily average capacity by 180% in Spain and 740% in Germany over the last year.
Global Document Coverage: The solution handles a vast array of international IDs (German, Spanish, Turkish, Italian, etc.), allowing the client to serve a diverse, mobile European population.
Stability Under Pressure: The system was optimized to handle 3,500 processes during peak hours per day at the start of major campaigns like Black Friday, maintaining total uptime.

Impact and Results

Exceptional Peak Performance: On Black Friday, the client multiplied their volume by five, with more than 60% of the daily traffic concentrated into a three-hour window. Despite the intensity, the system suffered zero incidents.
Superior Service Levels: Although the customer maintained SLAs of less than 10 minutes, the speed and reliability of Veridas’ automated processing meant those SLAs never needed to be applied.
Year-Round Scaling: The partnership has facilitated explosive growth, with a 180.1% increase in Spain and a 740% increase in Germany in daily average capacity year-over-year.
Operational Efficiency: By maintaining a 93% conversion rate, the client has successfully optimized their acquisition funnel, ensuring legitimate users access credit instantly and securely.