Stop Fraud in Subscription Mobility
For subscription car providers, Signicat Riskflow reduces fraud and optimises the brand experience through digital onboarding you can trust.
Talk to us about RiskFlow for subscription mobility
Book a Fraud Exposure Session
Subscription Mobility Is Booming – So Is Fraud
Subscription-based mobility models are changing how people access cars. Shorter terms, fully digital experiences, and fast approvals are now the norm.
They’re also exactly what fraudsters are looking for.
Mobility providers with subscription models often face:
- Identity fraud and synthetic identities slipping through onboarding
- Fake or manipulated documents in digital applications
- High-value vehicles going to high-risk customers
- Manual checks that slow down onboarding and stretch internal teams
For finance, risk, and operations leaders, the question is simple:
How do we reduce fraud without breaking the customer experience?
Reduce Fraud Before the Car Leaves the Lot
Powered by Signicat RiskFlow
RiskFlow Orchestration combines eID, biometrics, document checks and third-party risk data into one configurable workflow, so subscription mobility providers can spot and block fraudulent applications in real time while keeping onboarding fast for genuine customers.
With RiskFlow you can:
- Orchestrate eID, biometric and document checks in a single flow
- Apply risk rules tailored to subscription and leasing models
- Block suspicious applications in real time
- Keep onboarding fast and smooth for genuine customers
Signicat helps mobility providers detect and prevent fraudulent applications at the point of onboarding. With high-assurance digital identity and automated checks, you can make faster, safer decisions on who drives your cars.
Fraud Prevention Built for Subscription Mobility
- High-assurance eID verification across European markets
- Biometric checks with liveness detection to stop spoofing
- Automated document verification to spot alterations and forgeries
- Risk signals and rules tailored to subscription and leasing models
Fast, Frictionless Customer Onboarding
- One streamlined digital flow from application to approval
- Mobile-first UX customers can complete in minutes
- Fewer manual reviews and less back-and-forth with applicants
- Fast approvals for good customers, extra scrutiny where needed
Ready for Scale Across Europe
- Support for local eIDs and identity schemes in multiple countries
- Built to meet eID, KYC, and AML requirements
- Proven in highly regulated sectors such as banking, telco, and mobility
- Modular APIs that plug into your existing tech stack
Trusted by Mobility and Automotive Providers Across Europe
From established OEMs like BMW Group and Volvo, to digital-first mobility players like Hyre, leading brands use Signicat to standardise and secure their onboarding across markets—reducing fraud, cutting manual work, and keeping the experience digital and smooth for customers
Signicat enables standardised onboarding for BMW Group across 24 countries
Signicat has helped MINI, part of the BMW Group, transform customer onboarding. By implementing a fully digital process, Signicat enabled MINI to replace paper-based steps with a fast, secure, and compliant solution across multiple markets.
Challenge
Onboarding across multiple European markets can be complex, with manual identity checks, country-specific processes, and physical signatures often causing delays and inconsistency. There was a clear need for a unified approach that works efficiently for customers while remaining compliant with AML and regulatory requirements.
Solution
Signicat provides a tailored onboarding platform that allows customers to verify their identity using local eIDs, biometric checks or document verification and sign contracts using Qualified Electronic Signatures (QES)—all in a single digital flow. The solution also includes micropayment services, address verification, and name matching to enhance security and data accuracy. Signicat’s team provided strategic support on both regulatory and technical requirements, ensuring smooth deployment in 24 countries, including the UK, Ireland and Germany.
Result
Customers now complete onboarding without paperwork, delays or manual checks. The solution significantly reduces fraud risk through early identity verification and strong signing (QES), protects sensitive data, and ensures full AML compliance. With one platform running across multiple markets, BMW Group has a scalable framework that simplifies onboarding while meeting local regulations. Significant reduction in fraud risk through early identity verification and strong signing (QES).
–The first version of our Hyre app in Norway took months to launch, but the second we wanted to go into more countries, we just had to call Signicat.
What You’ll Get from a Fraud Exposure Session
Whether you’re exploring Signicat for the first time, or revisiting RiskFlow after internal changes, this is not a generic product demo. It’s a focused discussion around your current onboarding journey and where fraud pressure is highest in subscription mobility.
In the session, we will:
- Map your current digital onboarding and verification steps
- Identify where fraudulent applications are most likely to slip through
- Discuss how high-assurance identity checks can be applied in your flow
- Share examples of how similar brands tackled fraud and onboarding
- Outline potential quick wins and a phased approach
Made for Cross-Functional Teams
Fraud prevention in mobility touches multiple teams—finance, risk, operations, digital, and customer experience. Signicat is designed to give each of them something they care about:
- Finance & Risk: Lower fraud losses, better decisioning
- Operations: Less manual handling, fewer escalations
- Digital/Product: A clean, modern onboarding flow
- Customer Experience: Faster, simpler sign-ups for genuine customers
Whether you are restructuring teams or redefining KPIs, our approach is built to fit into evolving organisations and new ownership of fraud and onboarding.
FAQ
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No. Signicat keeps the process digital and fast for legitimate users, while adding more intelligent checks where risk is higher.
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Our platform is API-driven and modular. You can start with specific checks and expand over time, without replacing your entire stack.
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Signicat supports a wide range of European eIDs and identity methods, making it suitable for mobility providers operating across multiple countries.
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Not necessarily. Many customers start by reinforcing the highest-risk points in their existing flow and iterate from there.