Tartan’s Product Update — August 2022

In this update, we’re introducing an important enhancement focused on flexibility and adaptability in verification workflows—configurable verification APIs that allow businesses to design custom user journeys aligned to their specific use cases.

As financial services continue to diversify across lending, insurance, payroll-linked products, benefits, and embedded finance, a single rigid verification flow no longer works for everyone. Different products carry different risk sensitivities, regulatory requirements, and customer expectations. This release is built to support that complexity without adding operational overhead.

Custom User Journeys with Configurable Verification APIs

Through ongoing customer feedback, we identified a clear need to tailor verification journeys based on:

• The type of financial service being offered

• The profile of the end user

• The risk context and decision criticality of the journey

With configurable verification APIs, businesses can now embed Tartan APIs into their onboarding and verification flows in a modular, policy-driven manner. Instead of being locked into predefined checks, teams can compose verification journeys that reflect real business logic.

This ensures verification adapts to the product—not the other way around.

What this enables

Custom verification sequences

Teams can define:

• Which verification checks to run

• The order in which they execute

• The conditions that trigger each check

This allows verification effort to scale proportionally with risk.

Use-case–specific flows

Design distinct journeys for:

• Lending and credit underwriting

• Insurance onboarding and policy issuance

• Employee benefits and payroll-linked products

• Internal access control or compliance use cases

Each product or workflow can now have a verification path optimized for its purpose.

Adaptive risk handling

Instead of running every verification for every user:

• Low-risk profiles can move faster with minimal checks

• Higher-risk cases can automatically trigger deeper verification layers

This reduces friction while maintaining strong risk controls.

Wider audience coverage

Support diverse customer segments—salaried, gig, freelancers, SMEs, or enterprise users—without building and maintaining separate integrations for each segment.

Why this matters

Traditional verification systems enforce fixed flows that often lead to:

• Unnecessary checks

• Higher verification costs

• Increased onboarding friction

• Lower conversion rates

Configurable APIs allow teams to align verification with business rules and risk strategy, rather than working around technical limitations.

This update helps organizations:

• Reduce onboarding friction

• Improve conversion rates

• Lower unnecessary verification spend

• Scale consistently across products and customer segments

Built for scale and flexibility

By making verification journeys configurable, Tartan’s platform can now integrate seamlessly across a broader range of financial services and operational models—without heavy customization or repeated development work.

This enhancement lays the foundation for more intelligent, adaptive, and scalable verification infrastructure as products, regulations, and customer expectations continue to evolve.