How embedded finance and adaptive verification turn compliance from a conversion cost into a conversion advantage.
Modern payment products are built for speed: a card that spends in seconds, a wallet that funds on the first tap, a checkout that clears without a detour. But the infrastructure meant to keep all of that safe often slows things down and leads to user drop-off.
For years, teams treated conversion and compliance as a trade-off, tightening one at the cost of the other. That cost shows up directly in lost revenue: the most demanding verification flows report abandonment as high as 70 to 80%, and most of that friction lands on users who were never the risk.
This joint report in collaboration with our partner Verestro, explores how to achieve high conversion without compromising compliance. It draws on Sumsub's work in identity verification, AML screening, and fraud prevention, and on Verestro's expertise in card issuing, provisioning, and cross-border settlement. Sumsub supports 14,000+ document types across 220+ countries and territories, verifies users in about 20 seconds, and serves more than 4,000 clients. An independent Forrester Total Economic Impact study, modeling a composite of Sumsub customers, projected 272% three-year ROI with payback in under six months.
What you'll learn:
- Where onboarding drop-off actually happens
- Why one-size-fits-all onboarding punishes low-risk users, and how matching verification to risk speeds things up
- Why point-in-time identity checks miss behavioral fraud, and what continuous monitoring adds once an account is live
- How a stack stitched together from separate KYC, AML, payment, and fraud tools creates blind spots, and how one shared data layer changes how teams operate
- What an integrated trust and payment layer looks like in practice, from verification through real-time monitoring to global payout
- Two operational use cases in depth: a global neobank card launch and a high-growth cross-border merchant
This report is for:
Chief compliance officers, MLROs, financial crime leads, and the CTOs, heads of payments, and product owners who own onboarding and payment flows. Especially relevant for banks, fintechs, and merchants in crypto, iGaming, investment, payment services, and neobanking.
