Jumio Case Study – TalkRemit
TalkRemit Removes Customer Onboarding Friction and Prevents Fraudulent Account Creation with Jumio
TalkRemit uses Jumio's identity verification, address services and risk signals to streamline customer onboarding, reduce manual reviews and strengthen KYC and AML compliance.
About TalkRemit
TalkRemit is a digital international money transfer provider founded in 2016 and headquartered in London. The company helps migrant communities send money across borders quickly, affordably and securely.
Customers in 17 countries use TalkRemit’s web platform and mobile application to send money to more than 100 countries worldwide. Recipients can receive funds through bank accounts, mobile wallets and cash pickup locations.
As an international remittance provider, TalkRemit must balance a seamless customer experience with strong identity verification, fraud prevention and regulatory compliance.
The Challenge: Strengthening Fraud Prevention Without Increasing Customer Friction
As TalkRemit expanded across multiple markets, the company wanted to strengthen its customer identity verification process while maintaining a fast and frictionless onboarding experience for legitimate users.
Its existing identity verification providers met core Know Your Customer (KYC) requirements but lacked several advanced capabilities needed to support the company’s growth, including:
- Biometric liveness detection
- Electronic proof of address
- Additional fraud and risk assessment tools
TalkRemit wanted a more comprehensive onboarding solution that would strengthen fraud prevention, improve compliance and reduce operational overhead without introducing unnecessary friction for genuine customers.
The company evaluated multiple identity verification vendors based on verification accuracy, global coverage, fraud prevention capabilities, regulatory compliance, integration quality and total cost of ownership.
Jumio was selected because of its comprehensive platform, responsive support and ability to meet TalkRemit’s operational requirements.
Why TalkRemit Chose Jumio
TalkRemit selected Jumio because it combined:
- Comprehensive identity verification
- Advanced fraud prevention capabilities
- Biometric verification and liveness detection
- Address verification and document verification
- Risk Signals and configurable risk scoring
- Global coverage
- Strong compliance support
- Responsive implementation and customer support
Jumio has helped us reduce manual work while giving our compliance team better information during onboarding. We can identify higher-risk cases more effectively while providing a faster experience for legitimate customers.”
The Solution: Jumio Identity Verification, Address Services and Risk Signals
TalkRemit uses multiple Jumio solutions to verify customer identities, assess risk and support regulatory compliance throughout the onboarding journey.
These include:
- ID Verification to authenticate government-issued identity documents
- Selfie Verification to confirm the customer matches the identity document
- Liveness Detection to protect against deepfakes, presentation attacks and identity spoofing
- Doc Proof to extract data from supporting documents such as utility bills and bank statements
- Address Services to verify customer addresses using trusted third-party data sources
- Risk Signals to assess the reputation of a customer’s email address, phone number and device without adding friction
Together, these capabilities enable TalkRemit to automate more of its onboarding process while applying a more intelligent, risk-based approach to customer verification.
The implementation was completed smoothly through close collaboration between the TalkRemit and Jumio teams, supported by clear documentation and regular communication.
Results: Faster Onboarding and Reduced Fraud
Since implementing Jumio, TalkRemit has improved both the efficiency and security of its customer onboarding process.
Key business outcomes include:
- Reduced manual reviews: Before implementing Jumio, approximately 40% of customer onboarding cases required manual review. Automated verification has significantly reduced the number of cases requiring manual intervention.
- Faster customer onboarding: Customers can complete identity verification and address verification more quickly, creating a smoother onboarding experience while reducing operational delays.
- Improved customer conversion: Higher verification pass rates and fewer manual reviews reduce friction for legitimate customers, helping improve onboarding completion rates.
- Stronger fraud prevention: Jumio has enabled TalkRemit to eliminate the approval of fraudulent identity documents while reducing its false rejection rate to near zero, as seen in recent operational performance metrics.
- Biometric verification, liveness detection and additional risk signals also help prevent fraudulent account creation and identify higher-risk registrations.
- Better risk assessment: Risk Signals evaluate the reputation of email addresses, phone numbers and devices, providing TalkRemit with additional intelligence to support more informed customer verification decisions.Risk scoring and configurable workflows allow the company to focus compliance resources on higher-risk cases while streamlining onboarding for trusted users.
- Stronger KYC and AML compliance: Jumio supports TalkRemit’s customer due diligence processes and helps the company meet KYC and AML obligations across multiple jurisdictions, including requirements related to eIDAS, GDPR and PSD2.
As TalkRemit expands into new markets, Jumio provides the scalable identity verification and risk management capabilities needed to support secure growth, regulatory compliance and an improved customer experience.
Jumio is helping make our business smarter by enabling faster customer onboarding while strengthening our compliance and risk management processes. Its risk scoring capabilities and configurable workflows allow us to apply a more risk-based approach to customer verification, helping us identify higher-risk cases more effectively while streamlining the onboarding experience for legitimate customers. This has improved operational efficiency, enhanced decision-making, and supported stronger KYC/AML compliance.”
See how our clients are growing their businesses with Jumio.
Our goal in 2025 is for at least 50% of our guests to use self-service ID verification, and we are optimistic that Jumio’s impact on the guest experience will play a large role in making that happen.”
Thanks to Jumio, we have significantly reduced manual reviews and verification times, while improving conversion rates and customer satisfaction. It has given us a scalable, compliant onboarding framework that supports both our regulatory obligations and our growth ambitions."
The difference is remarkable. What used to take several minutes now happens almost instantly. Jumio has elevated the customer experience to a new level."