Address verification has always been one of the most stubborn bottlenecks in the loan disbursal journey. For most lenders, this step still relies on manual site visits, physical documentation checks, and agent coordination.
The result is predictable - high turnaround times, rising operational costs, and inconsistent quality of verification that often depends on human interpretation.
In a lending environment where speed, accuracy, and scale determine competitiveness, this legacy approach simply cannot keep up.
Today, we’re introducing Tartan’s Digital Address Verification, a fully automated, AI-powered verification flow that replaces traditional checks with an end-to-end digital journey.
It is designed to bring down your operational load dramatically, improve fraud detection, and accelerate approvals - while offering borrowers a seamless, app-free experience.
Fast-tracking Address Verification
With Tartan, the verification process begins when a credit manager triggers a digital journey for the applicant. A secure, time-bound link is shared, giving the borrower instant access to a guided verification flow that takes just a few minutes to complete.
From this point onwards, every element of the process is automated, structured, and validated.
Borrowers begin by capturing a selfie, which is checked for liveliness and screened by our AI systems to ensure the image is genuine and not artificially generated.
They then upload interior photos of their home - another step that historically required a field agent. These images are assessed for authenticity and supported by metadata checks to prevent tampering.
One of the most important elements in the journey is verifying presence at the claimed address.
Tartan performs this by capturing geolocation data at the moment of submission, ensuring the applicant is physically present at the location they declare. This eliminates the long-standing risk of proxy submissions or outdated address information.
The system also automatically detects ID types, extracts data through OCR, and validates the applicant’s identity and address against multiple trusted sources.
This cross-referencing layer strengthens decision quality and provides a far more deterministic view of address legitimacy than any manual process could offer.
Every verification link is time-bound, ensuring that applicants complete the journey promptly and preventing misuse or delayed submissions.
Here are the cases where Digital Address Verification can help you -
Consumer Lending - Faster disbursals with no dependency on manual address checks.
BNPL & Small Ticket Loans - Low-cost, instant verification for high-volume journeys.
Microfinance - Remote customers can verify addresses digitally without agent intervention.
Home Loans & Secured Lending - Layered authenticity checks ensure the address exists, is active, and belongs to the applicant.
NBFCs Expanding into New Markets - Scale risk checks without scaling manpower.
Impact on Lending Teams
For lenders, the operational shift is immediate.
Teams no longer need to schedule site visits, coordinate with field staff, or manually interpret address proofs.
What previously took days now takes minutes.
The variability that often comes with human-led checks is replaced by a standardised, rules-driven process. Credit managers can initiate hundreds of verifications in parallel without any incremental workload.
This directly impacts your bottom line - significantly lower verification costs, reduced TAT, higher throughput, and a cleaner, more predictable underwriting funnel.
TLDR, here are the advantages of Digital ADdress verification -
Speed to underwriting
Operational freedom to your team
Security to your decisions
Impact on Borrowers
Borrowers experience a verification process that is simple, fast, and intuitive. There are no appointments, no repeated follow-ups, and no waiting for agents to show up.
A guided UI walks them through each step, ensuring clarity and reducing drop-offs. Verification is completed where they are, at their convenience.
Built for Modern Lending Use Cases
Tartan’s Digital Address Verification supports a broad spectrum of lending workflows -
From high-volume BNPL journeys to secured lending and home loans where address legitimacy is critical.
For microfinance and rural lending, where physical checks are expensive and difficult to standardize, this solution reduces cost and drastically improves consistency.
As NBFCs expand geographically, digital verification becomes a scalable way to maintain quality without growing headcount.
The Future of Verification
At Tartan, we’ve already helped redefine how lenders verify income, employment, and identity. Address verification was the missing piece - one of the most operationally intensive checkpoints in the lending lifecycle. With this launch, we’re closing that gap.
Digital Address Verification isn’t just a faster process - it’s a more trustworthy, transparent, and scalable way to underwrite. It brings together automation, fraud detection, AI integrity checks, and geospatial validation into one seamless flow.
This is the new standard for modern credit risk teams: decisions that happen faster, with higher confidence, and with zero operational drag.
Tartan helps teams integrate, enrich, and validate critical customer data across workflows, not as a one-off step but as an infrastructure layer.
