English below
Den globale data- og teknologivirksomhed Experian indgår nyt samarbejde med den hurtigt voksende fintech Uniify. Ambitionen er at forenkle B2B-onboarding på tværs af brancher med realtidsdata, færre manuelle trin og fuld sporbarhed.
Siden den 1. januar 2025 har danske banker været underlagt ny lovgivning.
Lovændringen forpligter blandt andet bankerne til at træffe afgørelse på ansøgninger til erhvervskonto inden for 10 arbejdsdage – noget, der i dag kan tage flere måneder, og som særligt for nystartede virksomheder kan være en barriere for vækst hos nystartede virksomheder. Dertil kommer skærpede krav til KYB, KYC og kreditstyring, der ikke kun stiller flere krav til banker og fintechs, men til alle virksomheder, der onboarder andre virksomheder som kunder, leverandører eller partnere.
Fællesnævneren på tværs af brancher bliver at få de modsatrettede hensyn til at mødes. For hvordan forkorter man vejen fra ansøgning til beslutning – uden at gå på kompromis med kvalitet i risikovurderingen og overholdelse af lovgivningen?
Det har Experian og Uniify et bud på. Derfor er data- og analysevirksomheden og onboarding-fintech’en gået sammen, og har skabt en løsning, der understøtter hele B2B-økosystemet ved at integrere data med digitale flows.
— Lovændringen er en klar invitation til at gentænke B2B-onboarding, som historisk har været præget af kompleksitet og ineffektivitet.. Sammen med Uniify undersøger vi, hvordan vi kan kombinere Experians mange års data- og analyseerfaring med intuitive digitale flows til forsimpling af komplekse onboarding-processer, så banker, fintechs og andre erhvervsvirksomheder kan træffe hurtige beslutninger – med tillid til, at de overholder reglerne, siger Bo Rasmussen, direktør i Experian Danmark og fortsætter:
— Vores ambition er at give både virksomheder og deres kunder en hurtigere, grundigere og mere transparant oprettelsesproces.
Datadrevne beslutninger og færre manuelle trin
Med det nye samarbejde stræber Experian og Uniify efter at sætte nye standarder inden for B2B-onboarding. På tværs af banker, fintechs, leasingvirksomheder, bygge- og anlægsbranchen samt hardwareleverandører er behovet det samme: hurtige, oplyste beslutninger – med dokumentationen i orden.
— Vi har længe oplevet en stigende efterspørgsel fra kunder, som ønsker en løsning, der lever op til de stigende krav fra myndighederne, samtidig med at man ikke går på kompromis med hastighed og kvalitet i onboarding processerne. Det er normalt to modpoler, der ikke har kunnet forenes, men med dette samarbejde kan vi nu levere en løsning, som ikke er set før!” – Martin Sandø Jensen, CCO & Co-founder of Uniify
Ved at kombinere Experians datakraft med Uniifys intuitive digitale flows er ambitionen at forkorte onboarding-tider, skære markant ned på manuelle trin, øge beslutningskvaliteten og sikre fuld sporbarhed. Den nye digitale platform gør det muligt at træffe datadrevne beslutninger i realtid og samtidig reducere svindel og kredit¬tabs¬risici på tværs af værdikæden.
— Det handler ikke kun om at komme hurtigere fra ansøgning til svar. Det handler om at gøre hvert trin enklere og hurtigere, så det bliver nemmere at overholde lovgivningen, og så virksomhederne oplever færre fejl og højere tillid på tværs af hele værdikæden, afslutter Bo Rasmussen.
Innovation er omdrejningspunktet i samarbejdet, hvilket betyder, at løsningen hele tiden evalueres i forhold til markedets behov. Inden længe vil der desuden indgå endnu flere datapunkter, avancerede risikosignaler samt intelligent beslutningsstøtte i løsningen.
Om Uniify
Uniify er en fintech-virksomhed, der arbejder for at redefinere onboarding af kunder og virksomheder. Uniify blev grundlagt i 2019 med en vision om at forenkle komplekse onboarding processer og er siden blevet en betroet partner for finansielle institutioner, der ønsker gennemsigtige, lavrisiko og compliant onboardingløsninger.
Med en mission om at gøre onboarding enkel, sikker og praktisk for både virksomheder og deres kunder leverer Uniify digitale flows, der integrerer KYB, KYC og kreditvurdering i én samlet rejse. Styrket af en investering på €3 millioner i 2023 fortsætter Uniify med at innovere og udvikle fremtidssikrede løsninger, der reducerer svindel, øger compliance og forbedrer kvaliteten af beslutninger.
Experian Denmark and Uniify set new standards for data-driven B2B onboarding
The global data and technology company Experian is entering a new partnership with the rapidly growing fintech Uniify. The ambition is to simplify B2B onboarding across industries with real-time data, fewer manual steps, and full traceability.
Since January 1, 2025, Danish banks have been subject to new legislation.
The legislative change requires banks to make a decision on applications for a business account within 10 working days – something that today can take several months and which, in particular for start-ups, may act as a barrier to growth for newly established businesses. In addition, there are stricter requirements for KYB, KYC, and credit management, which not only place higher demands on banks and fintechs but on all companies that onboard other companies as customers, suppliers, or partners.
The common denominator across industries will be reconciling these conflicting priorities. How do you shorten the path from application to decision – without compromising on the quality of risk assessment and compliance with legislation?
Experian and Uniify have an answer to that. The data and analytics company and the onboarding fintech have joined forces and created a solution that supports the entire B2B ecosystem by integrating data with digital flows.
— The legislative change is a clear invitation to rethink B2B onboarding, which has historically been characterised by complexity and inefficiency. Together with Uniify, we are exploring how we can combine Experian’s many years of data and analytics expertise with intuitive digital flows to simplify complex onboarding processes, so banks, fintechs, and other businesses can make quick decisions – with confidence that they remain compliant, says Bo Rasmussen, Director at Experian Denmark, and continues:
— Our ambition is to give both businesses and their customers a faster, more thorough, and more transparent onboarding process.
Data-driven decisions and fewer manual steps
With the new partnership, Experian and Uniify aim to set new standards within B2B onboarding. Across banks, fintechs, leasing companies, the construction industry, and hardware suppliers, the need is the same: fast, well-informed decisions – with proper documentation.
— For a long time, we have experienced increasing demand from customers who want a solution that meets the growing requirements from authorities while not compromising on speed and quality in the onboarding processes. These are normally two opposing factors that have not been possible to reconcile, but with this partnership, we can now deliver a solution that has not been seen before!” — Martin Sandø Jensen, CCO & Co-founder of Uniify
By combining Experian’s data power with Uniify’s intuitive digital flows, the ambition is to shorten onboarding times, cut down significantly on manual steps, improve decision quality, and ensure full traceability. The new digital platform makes it possible to make data-driven decisions in real time while reducing fraud and credit loss risks across the value chain.
— It’s not just about moving faster from application to decision. It’s about making each step simpler and faster, making it easier to comply with legislation, and ensuring companies experience fewer errors and greater trust across the entire value chain, concludes Bo Rasmussen.
“Innovation is at the core of the collaboration, which means that the solution is continuously evaluated against the needs of the market. Before long, it will also include even more data points, advanced risk signals, and intelligent decision support.”
About Uniify
Uniify is a fintech company dedicated to redefining customer and business onboarding. Founded in 2019 with a vision to simplify complex onboarding processes, Uniify has since become a trusted partner for financial institutions seeking transparent, low-risk, and compliant onboarding solutions.
With a mission to make onboarding simple, secure, and practical for businesses and their customers, Uniify delivers digital flows that integrate KYB, KYC, and credit assessment into one seamless journey. Supported by a €3 million investment in 2023, Uniify continues to innovate and build future-ready solutions that reduce fraud, enhance compliance, and improve decision quality.