banking & finance

Convert customers with higher levels of assurance

Modernize identity, KYC, and compliance with MATTR’s secure issuance platform. Our solutions can help by giving your customers a secure express lane by removing friction and minimizing fradulent activity.

Collage of banking assets, phone UI and credentials
modernize credentialing and identity proofing

Move with confidence, stay secure and rise above expectations

Today’s consumers and businesses demand seamless digital experiences – instant account creation, real-time loan decisions, and fast payments, all from their phone. But compliance obligations and fraud threats weigh heavily. MATTR helps banks modernize credentialing and identity proofing at the speed of digital.

Digital-first Customer Expectations

Customers expect frictionless banking – instant KYC, approvals and access on any device.

expectations
Regulatory and Compliance Pressures

Stringent AML, KYC, GDPR and PSD2 rules demand robust identity proofing with secure and audit-ready records.

regulations
Fraud and Operational Cost Pressures

Legacy document-based processes are vulnerable to forgery, slow to verify, and expensive to scale.

transformation
pain points of today

Where traditional issuance falls short

From onboarding delays to rising fraud risks, paper and scan-based systems are holding banks back.

Lengthy onboarding cycles

Manual document collection and verification stretch new account openings from days to weeks, eroding the customer experience.

High fraud and compliance risk

Scanned IDs and static forms are easy to tamper with, and compliance checks are resource-heavy.

Fragmented data silos

Siloed KYC, lending, and trade data limit customer insights and operational agility, hindering seamless customer journeys and cross-product insights.

the promise

Fast, secure and auditable

Digital credentials transform how banks issue, verify and manage identity – instantly and securely –while seamlessly recording approvals and attestations

UIs showing digital onboarding assets
Instant digital onboarding

Issue KYC, proof of account and loan approval credentials in seconds – fully automated and user-friendly.

Fraud resistant, interoperable trust

Shared trust frameworks enable banks to accept peer-issued credentials (e.g., prior KYC checks), reducing duplicate verifications and costs.

Credentials and bits of code showing built-in compliance and audit trails
Built-in compliance & audit trails

Every credential carries cryptographic signatures and immutable issuance logs, simplifying audit checks and regulatory reporting.

issuance platform

Secure credential issuance for financial services

MATTR’s Issuance Platform gives banks and financial institutions the flexibility to issue trusted digital credentials in a way that fits every customer interaction. With full support for OpenID4VCI open standards, MATTR ensures that credential issuance remains secure, compliant, and scalable – ready to support your digital identity strategy today and into the future.
UIs showing an auth verification
Authorisation code flow
Open access, verified delivery
Let customers scan a QR code from a bank statement or flyer, verify their identity securely, and instantly receive credentials.
Connect MATTR to your existing OAuth 2.0/OIDC IdP and to your KYC data store
UIs showing a pre-auth verification
Pre-authorised code flow
Secure delivery in bank apps
Issue credentials directly through mobile banking or web portals – no extra logins or verification.
Embed verified customer data into the credential offer when it’s generated – no extra user login required
Your Trust layer, simplified

Built for banks.
Powered by open standards

Manage every step of issuance and verification with powerful tools, flexible APIs, and ready-to-use templates.

Explore capabilities
3 Diamonds stacked on top of each other as layers, representing a unified platform
Unified platform

Configure, issue and verify from one platform – integrate via the MATTR Portal, VII APIs or our Pi SDKs.

A solid outline square in front of a dashed outline square, representing seamless interoperability
Seamless interoperability

Supports credential formats and protocol live in market today, so you can connect and transact across networks without friction.

A square made up of 4 puzzle pieces to represent compliance by design
Compliance by design

Role-based access, AML/KYC policy enforcement, and audit-ready logs are built right in.

holding capability

Why holding matters for issuers

The other half of the issuance story is where the issued credential is kept. To maximise adoption and impact, people need a simple and trusted way to hold and present their credentials in the digital environments where they already spend time. By pairing issuance with holding capability, you:

Strengthen adoption

Make it effortless for your users to claim and use credentials directly in your existing apps.

Enhance service experience

Reduce context switching—citizens, students, or customers don’t need to defer to external wallets to get value.

Deepen trust & engagement

Credentials stay tied to your service brand, reinforcing your role as a trusted source.

Unlock cross-service convenience

Users can reuse credentials for onboarding, verification, or access across multiple journeys.

holding capability

How MATTR makes it simple

With MATTR’s Hold SDK, any app - whether a government services portal, a mobile banking app, or an education platform - can:

- Embed wallet-like capability to store and manage digital credentials
- Offer streamlined access for users to retrieve and present credentials
- Support standards-based interoperability so credentials work beyond your ecosystem

With Digital Credential API, the problem of ‘multiple wallets’ is no longer an issue. Device OS providers are making using credentials a seamless experience and holders no longer need to know ‘what exists where’.

Tools to hold
Collage of mobile and web screens showing credentials
The outcome:
When issuance and holding live together, your services become:
- More accessible: Users keep credentials where they need them most
- More valuable: Credentials get used frequently, building stickiness
- More scalable: Each new credential type builds on the same trusted channel
trusted advantage

Turn trust into your competitive edge

With MATTR, banks can move beyond outdated checks and paperwork to issue secure, reusable digital credentials that customers and partners can trust instantly. From faster onboarding to reduced fraud and easier compliance, becoming an issuer means transforming trust into smoother experiences and stronger customer loyalty.

Transform customer onboarding

Cut onboarding times from days to minutes with instantly issued, reusable KYC and account-opening credentials.

Reduce compliance burden

Simplify audits and reporting with cryptographically signed, tamper-evident credentials and automated revocation flows.

Fight fraud at the source

Replace vulnerable PDFs and paper forms with digital credentials that are secure, verifiable, and easy to validate.

Create seamless customer journeys

Allow customers to reuse credentials across products and services—removing repeated checks and enhancing loyalty.

Position for future value

As acceptance networks mature, financial institutions may benefit from new ways of exchanging and capturing value through credential issuance—whether through efficiencies gained or new business models that emerge.

Scale across ecosystems

Enable interoperability across banking, fintech, trade finance and global markets with open standards like OID4VCI.

Issuance & acceptance use cases

Building a smarter and more secure ecosystem

From issuing high-assurance digital credentials to enabling instant, secure verification, our solutions cover the full lifecycle. Issue credentials such as Digital KYC IDs, Loan Approval Certificates, and Digital Credit Reports – then empower verifiers to instantly validate them online or in-person with our acceptance capabilities.

A driver license being validated next to a person's photo
Digital KYC credential

Enable high-assurance mDL acceptance - online or in-person.

Phone screens showing a banking experience
Account opening

Enable account authorisation with one-click account creation across products; seamless UX.

A web UI and credential showing a loan approval certificate
Loan approval certificate

Instant proof of approval; automates downstream processes.

Phone screens showing a wire transfer verification through a drivers license
Trade finance L/C

Paperless trade; real-time verification and settlement.

Phone screen and documents showing a credit report
Digital credit report

Shareable, tamper-evident credit history with partners.

demo videos

See it in action

In-app account opening
International wire transfer
In branch cash withdrawal
trust in mattr

Ready to transform?

Working with MATTR, you’ll be equipped with everything you need to deliver valuable, privacy-respecting, digital credential solutions - backed by robust technology, flexible tooling, and expert support.

Ready to get started?


MATTR's TrustTech solutions gives governments and organizations the ability to unlock high assurance interactions and securely build trust. Get in touch to learn more or try it out for yourself.

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Contact us for personalized guidance or support.

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Try MATTR capabilities for free and get hands-on experience with our products.