Phone plus plan, decided in under a minute at the counter.
Every iPhone-on-a-plan sale is a credit decision and a fraud decision at the same time. Kerno runs both inside the Nets/Nexi terminal the store already uses for card payments. The clerk sees one clear answer. The operator gets a signed audit trail.
In one paragraph
- · Whitelabel for Nets/Nexi.
- · No new hardware in the store.
- · Built for telco — not just credit.
- · Answer back to the clerk in under a minute.
The page is written in plain language. If you want the API shapes, signal taxonomy and regulatory mapping, switch on the technical view.
How it works · 01
Four steps. Same terminal. No new hardware.
The clerk runs one flow on the device they already use for card payments. The customer uses their own phone for ID. Nothing new to learn.
Customer picks a phone and a plan
iPhone on a 24-month contract. Same conversation as always at the counter.
Clerk starts the check on the terminal
Same Nets/Nexi terminal, one extra screen. No new hardware, no second login.
Customer signs in on their own phone
BankID or MitID on the customer's handset. The customer never hands over their phone.
Decision back in under a minute
Approve, decline, or send to a human reviewer. The clerk sees one clear answer.
What we check · 02
Three questions, answered in parallel.
Subscription fraud doesn't look like card fraud. A perfect credit file with a three-day-old SIM swap is the most common attack. We score for the things bureaux miss.
Can the customer afford the plan
We pull the credit file from the local bureau (UC in Sweden, Bisnode, Experian, Asiakastieto in Finland, and the equivalent in every other market) and check it against the cost of the contract.
Is this really the customer
Identity is confirmed with the national eID — BankID, MitID, FTN. We also check whether the SIM card was swapped or ported in the last few days, which is the most common sign of a takeover.
Have we seen this pattern before
We watch for the same person trying three contracts in two days across different stores, for phones that keep showing up at different counters, and for store-level patterns that drift from normal. Mule rings get caught before the second device leaves the shop.
Contract signing · 03
The contract is signed on the customer's phone, with Scrive.
Scrive is the signing partner. It triggers the right national eID and returns a sealed contract that lands in the same audit pack as the credit and fraud signals.
Approved cases hand over to Scrive
Once Kerno says approve, the contract opens automatically in Scrive — the signing service Nordic banks and operators already trust.
Customer signs with BankID or MitID
Scrive sends the contract to the customer's phone and triggers the right national eID. The clerk doesn't touch the customer's device.
One sealed package, every time
The signed contract, the credit check and the fraud signals end up in a single audit pack. If a regulator asks twelve months later, the whole case is one file.
Where it works · 04
Live in the Nordics. Ready for 25+ markets.
Same terminal flow, same API, same audit pack. Only the local connectors change — the bureau, the eID and the mobile network lookup.
Nordics
Sweden, Norway, Denmark, Finland, Iceland
Live with BankID, MitID, FTN. UC, Bisnode, Experian, Asiakastieto.
DACH & Benelux
Germany, Austria, Switzerland, Netherlands, Belgium, Luxembourg
Schufa-ID, ID Austria, itsme. Schufa, BKR, CRIF.
Southern Europe
France, Spain, Portugal, Italy
FranceConnect+, Cl@ve, SPID. Banque de France, CRIF, Experian.
Central & Eastern Europe
Poland, Czechia, Slovakia, Hungary, Romania, Greece
mObywatel, BankID CZ. BIK, CRIF Vega.
Trust & rules · 05
Built for the rules already on the books.
The audit trail is generated as the case happens. If a regulator asks twelve months later, every decision can be re-played against the exact rules that ran at the counter.
Whitelabel for the acquirer
Nets/Nexi sells it as part of acquiring. The merchant signs one agreement, gets one invoice. Kerno is never on the screen.
Built for the rules already on the books
Consumer Credit Directive, AML, PSD2 strong customer authentication, eIDAS qualified signatures, GDPR. The audit trail is generated as the case happens — not stitched together afterwards.
Shared fraud intelligence, opt-in
When one operator confirms a fraud case, the signal is available to the others within minutes. Identities are hashed before they leave the operator. Raw data never crosses the line.
Pilot results you can audit
42 stores, 90 days, every decision logged and replayable. Approval rate up, fraud down, manual reviews cut by more than half.
Commercial · 06
Three ways to buy it.
Sold through the Nets/Nexi merchant agreement. One invoice, no separate procurement on the merchant side.
Per decision
Pay per verdict.
Best for operators with seasonal traffic or acquirers running thin-margin estates.
Per active store
Flat monthly per terminal.
Predictable cost for retail chains, regardless of conversion.
Enterprise per chain
Annual platform fee plus a thin per-decision rate.
For tier-1 telcos and pan-European acquirer roll-outs. Custom policies, dedicated tenant, named compliance contact.
Demo
Boka en genomgång.
Boka 30 minuter med vårt lösningsteam. Vi kör plattformen mot ert eget KYB-flöde, med riktiga lagerbolag och er compliance-policy.