How One Smart Flow Reinvents Fintech Onboarding

Jul 22, 2025

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How One Smart Flow Reinvents Fintech Onboarding

The Failure of Modern Onboarding


Ask any lender, property manager, or insurer what slows them down—forms, friction, and follow-ups.

Cumbersome data entry, document uploads, and disjointed systems drive applicants away, cost lenders deals, and leave ops teams chasing lost information.


Carousel changes that.

Our One Smart Flow merges identity, income, credit, and bank verification into one seamless process—executed in parallel, not sequentially.


From 40 Fields to a Single Stream


In Fintech Trends: Why One Flow Will Replace 40-Field Applications, we explained how fragmented forms destroy completion rates.

Carousel orchestrates verification across multiple systems simultaneously, using async processing to keep users moving.

Fewer steps. Fewer screens. Up to 70% faster completions.


Parallel Checks = Quicker Decisions


Most teams still verify KYC, AML, income, and credit step-by-step.

With Carousel, everything runs concurrently.

See Async Verification vs Real-Time Checks: Choosing the Right Flow to learn how parallel processing boosts conversions by more than 40%.


Security Without Compromise


Speed only matters when it’s safe.

Serious Security Built In: How Carousel Handles KYC, AML & Audit Trails details our end-to-end encryption, API-level security, and real-time audit logs.

Compliance is built-in, never bolted on.


Smooth Integrations for Every Team


Carousel connects directly with Plaid, Flinks, Onfido, Equifax, and other leading data providers.

Explore this in Integration Strategies for Lending, Insurance & Property Tech and One Smart Flow for Every Vertical.


Decisioning That Keeps Up


Once data is authenticated, Carousel’s instant decision engine applies underwriting logic in real time—reducing human review and approving within minutes.

Learn more in Underwriting 2.0: Using a Decision Engine to Approve Faster.


Watch One Smart Flow in Action


✅ Centralized verification of banks, credit, income, and ID

✅ Embed directly or share via link

✅ Auditable, secure integrations

✅ Interoperable APIs

✅ Up to 70% faster completion


Explore Pricing or view our Changelog.

Want to see it live? Request a 5-Minute Demo.


Internal References in This Article

‹ Underwriting Automation: Integration That Spurs Immediate Decisions


All financial services involve risk. on Carousel Inc. (“Carousel”) is a technology platform that enables data collection, identity verification, underwriting support, and automation through integrations with third-party service providers. Carousel is not a financial institution, lender, broker, or credit reporting agency. All decisions regarding credit, lending, and applicant approval are solely the responsibility of the client organization using the platform.

Verification services (such as IBV, KYC, KYB, credit checks, e-signatures, and more) are facilitated through third-party providers including, but not limited to, Flinks, Equifax, Onfido, VoPay, Paybilt, and others. Use of these services is subject to the terms, pricing, and licensing of each provider. Carousel may act as a billing intermediary or technical facilitator for these integrations.

Carousel does not guarantee approval outcomes, financial decisions, or the accuracy of third-party data. Clients are responsible for their own compliance with local, provincial, federal, and industry-specific regulations, including but not limited to Law 25, SOC 2, and AML/ATF frameworks. Carousel is in the process of completing its SOC 2 Type I certification.

on Carousel Inc. is a Canadian corporation, headquartered at 5101 rue Buchan, Montréal, QC, Canada. All trademarks and service marks are property of their respective owners. © 2025 Carousel Inc. All rights reserved.

All financial services involve risk. on Carousel Inc. (“Carousel”) is a technology platform that enables data collection, identity verification, underwriting support, and automation through integrations with third-party service providers. Carousel is not a financial institution, lender, broker, or credit reporting agency. All decisions regarding credit, lending, and applicant approval are solely the responsibility of the client organization using the platform.

Verification services (such as IBV, KYC, KYB, credit checks, e-signatures, and more) are facilitated through third-party providers including, but not limited to, Flinks, Equifax, Onfido, VoPay, Paybilt, and others. Use of these services is subject to the terms, pricing, and licensing of each provider. Carousel may act as a billing intermediary or technical facilitator for these integrations.

Carousel does not guarantee approval outcomes, financial decisions, or the accuracy of third-party data. Clients are responsible for their own compliance with local, provincial, federal, and industry-specific regulations, including but not limited to Law 25, SOC 2, and AML/ATF frameworks. Carousel is in the process of completing its SOC 2 Type I certification.

on Carousel Inc. is a Canadian corporation, headquartered at 5101 rue Buchan, Montréal, QC, Canada. All trademarks and service marks are property of their respective owners. © 2025 Carousel Inc. All rights reserved.

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