Case Study: Consumer Finance Company achieves layered identity verification, reduced synthetic fraud and up to 30:1 ROI with GBG ExpectID

Consumer Finance Company - Customer Case Study

Consumer Finance Company was struggling with a narrow, single-source identity verification approach that left it exposed to surging synthetic identities, poor contactability (unverified addresses, emails, phone numbers and IPs) and the need for step‑up authentication for high‑risk mobile accounts. To address these gaps the company turned to GBG and its ExpectID identity solutions to add richer identity and risk signals into the onboarding process.

GBG deployed ExpectID Identity Data Verification together with ExpectID Fraud Risk Signals to validate physical and digital identity attributes, screen mobile numbers and emails for deliverability and account status, and cross‑reference transaction IPs against known identity addresses. By layering these signals the Consumer Finance Company prevented high‑risk fraud attempts and significantly improved decisioning ROI — for example, ROI rose from 8:1 to 30:1 when targeting inactive mobile numbers with address risk signals, and from 16:1 to 23:1 when using non‑existent email plus address signals.