Case Study: LendUp achieves automated CIP compliance and higher approval rates with GBG (IDology)

IDology Helps Automate the LendUp CIP Process, Allowing Them to Accurately Identify and Approve More Legitimate Customers

LendUp, a socially responsible short‑term, small‑dollar lender, needed to reliably meet US Patriot Act requirements (CIP, KYC, OFAC) while protecting customers and reducing fraud. To automate and improve identity verification, LendUp selected GBG and implemented identity verification products (ExpectID, ExpectID IQ and ExpectID PA) to quickly and accurately identify legitimate applicants with minimal customer friction.

GBG integrated its ExpectID suite via API—going live in a day—and now sits at the front of LendUp’s verification waterfall. The GBG solution automated CIP compliance, allowed dynamic escalation to knowledge‑based authentication only when risk warranted, increased approval rates for legitimate customers, deterred bad actors, and improved overall customer experience while meeting regulatory requirements.

LendUp

Sasha Peter Orloff

Co-Founder & CEO