Lesson 2 of 6
Onboarding and origination: identity, consent and the application
Before any credit decision, the platform has to establish three things: who the customer is, which data the customer agrees to let the lender use, and what exactly is being applied for. This lesson follows those three steps and the international standards and rules behind them.
Published 13 October 2026 · Listen to this lesson
In this lesson
- Three questions before the decision
- Identity: proofing, then authentication
- Remote does not have to mean higher risk
- Consent: only the data needed, and the customer can say no
- The application and the terms
- Counting who reaches the decision