Use cases

Five situations where 360 Onboarding carries the load.

The platform is designed for the full KYB lifecycle — from first contact to periodic review and event-driven reassessment. Below are the five most frequent use cases at Tier-1 banks across the Nordics, EU and UK.

01 — Initial onboarding

KYB onboarding

Business customers are onboarded straight into Bolagsverket, BRREG, Virk, PRH and Companies House. Shelf companies, newly incorporated entities and complex holding structures are handled in the same flow, with automatic document collection and risk classification.

Source-driven data collection from official registries
Automatic UBO resolution down to the ultimate natural person
Maker/checker approval for low- and medium-risk cases

4 minmedian time to decision for low risk

02 — Ongoing KYC

Periodic review

Recurring review of the existing portfolio runs on schedule (12/24/36 months) or whenever the risk profile changes. Only changed data points trigger investigation — the rest is approved automatically against refreshed sources.

Diff-based review against the previous review pack
Changes in UBO, registered office or activity are clearly flagged
Evidence retained with a signed audit trail per cycle

≈85%of reviews can be closed without manual handling

03 — Event-driven

Trigger events

A change in registry data, sanctions lists, adverse media or transaction patterns triggers immediate reclassification. The case is routed to the right queue with full context on what changed and why.

Real-time monitoring of official registries and sanctions lists
Adverse media via Dow Jones / Refinitiv feed
Transaction signals from the bank's AML system

< 1 hfrom trigger to assigned investigator

04 — EDD

High-risk entities

Entities in high-risk jurisdictions, with PEP exposure or complex ownership structures are lifted into Enhanced Due Diligence. 360 Onboarding prepares the evidence — the investigator focuses on judgement, not data collection.

Extended screening of board, UBOs and nominees
Source-of-funds and business rationale documented in a structured form
MLRO approval required before activation

100%of EDD cases reviewed under four-eyes principle

05 — Ownership structure

UBO resolution

Multi-level resolution through holding companies, trusts and nominees down to the ultimate natural person with ≥25% control. Circular ownership and cross-holdings are handled by a deterministic algorithm — no manual diagrams.

Nordic registry integration plus EU Business Registers (BRIS) and Companies House
Visual ownership graph with percentage control per level
Deviations from the customer's own UBO declaration are flagged

7 levelsmedian maximum depth of resolved structure

06 — Vertical · Telco retail

Telco POS via Nets/Nexi

When the customer walks in for an iPhone on a contract, the store needs a credit check, identity verification and fraud detection — in under a minute, on the terminal already sitting on the counter. 360 Onboarding is delivered whitelabel through the Nets/Nexi terminal.

Embedded in the acquirer's payment app, no new hardware in store
BankID/MitID + credit bureau + SIM swap + cross-store velocity
Decision back to the cashier in under 60 seconds

47 smedian time from terminal tap to decision

Read the full vertical

See policy summary Back to the flow

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