AI-Powered ID Verification, Fraud, Risk & Compliance - all on one platform
Our platform unifies real-time ID verification, KYC and AML checks, fraud monitoring, risk scoring, and consumer data consent into a single secure AI-powered platform.
We help banks, lenders, and fintechs onboard merchants and customers faster — while staying fully compliant.
Our Dinkum Journey
Authenticity Matters
We started Dinkum.ID because we saw how broken and fragmented identity verification and compliance processes really are.
Banks and fintechs were juggling siloed tools — one for ID checks, another for KYC, a different one for consent, and none of them talked to each other.
Fraud slipped through. Good customers got blocked. Everyone lost time, trust, and money.
So we built Dinkum.ID — a single, AI-driven platform that brings it all together.
From real-time identity verification to merchant onboarding, fraud detection, and risk scoring — every step is streamlined, secure, and built for compliance.
Our mission is simple: make financial trust faster, fairer, and genuinely fit for the digital world.
Advantages of Dinkum
AI powered Detection and Data Analytics
1. All-in-One Compliance Platform
ID verification, KYC/AML checks, fraud monitoring, risk scoring, and consent capture — all seamlessly integrated.
2. AI-Driven Efficiency
Reduce manual checks, speed up onboarding, and make smarter decisions with real-time AI-powered insights.
3. Merchant-Centric Consent
Empower merchants to securely grant and manage data access, improving transparency and compliance from the start.
4. Faster Onboarding, Lower Drop-off
Frictionless identity and risk workflows help you approve the right customers faster — without compromising security.
5. Built for Financial Services
Designed for banks, lenders, and payment providers navigating tight regulatory requirements.
6. Secure and Auditable by Design
Encrypted, compliant, and fully traceable — so you’re always ready for audit, regulatory checks, or internal review.
7. Configurable to Your Risk Appetite
Customize thresholds, rules, and triggers to match your compliance policies and customer risk profiles.
80%
Faster Onboarding
40%
Lower Fraud Risk
70%
Cost Savings in Compliance Ops
100%
Audit-Ready Complaince Trail
Our Offerings
Authenticity Matters
Dinkum.ID provides a unified, AI-powered platform for identity verification, KYC/AML compliance, fraud detection, consent management, risk scoring, and regulatory reporting.
Our modules include:
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Dinkum.ID
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Dinkum.FRAUD
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Dinkum.RISK
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Dinkum.COMPLIANCE
We streamline onboarding and compliance workflows for banks, lenders, fintechs, and regulated businesses — reducing fraud risk while improving speed and trust.
With key data securely logged and fully auditable, Dinkum.ID helps you build safe, compliant customer journeys from the start.
ID Verification & KYC
Dinkum.ID enables fast, secure identity verification using government IDs, biometrics, and real-time data checks. We streamline KYC and AML compliance with automated screening against sanctions, PEP lists, and business registries like ABN and ASIC. With every check logged and auditable, you can onboard customers confidently while meeting regulatory obligations.
Fraud Detection
Dinkum.FRAUD uses AI-powered behavioral analysis and pattern recognition to detect fraudulent activity in real time.
Our system monitors identity signals, device intelligence, and transaction context to flag anomalies. This enables banks and fintechs to reduce risk exposure while protecting genuine customers without adding friction.
Risk Scoring
Dinkum.RISK delivers real-time risk scores by analyzing identity data, behavioral patterns, KYC results, and fraud indicators in one unified model.
Our AI-driven engine assigns dynamic risk profiles to customers and merchants, helping you make faster, smarter approval decisions.
Customizable to your risk appetite and compliance thresholds, our scoring system ensures every decision is backed by data you can trust.
Compliance Reporting
Dinkum.COMPLIANCE automates end-to-end compliance reporting with auditable records of every identity check, risk assessment, and consent event. Our platform ensures alignment with KYC, AML, and data access regulations, including AUSTRAC and global standards.
With export-ready reports and real-time dashboards, staying audit-ready has never been faster or easier.
Key Features
Reducing friction and costs of accessing Financial Services
Dinkum.ID enables consumers to provide secure, CDR-compliant consent to share their data with trusted financial providers.
Merchants can onboard once and reuse their verified identity and consent across banks and lenders — eliminating repetitive checks and accelerating access to finance.
With advanced AI powering fraud detection and risk scoring, Dinkum.ID helps institutions make smarter, safer decisions in real time.
Real-time Fraud Detection
Dinkum.FRAUD leverages advanced AI and real-time event analysis to detect fraud before it impacts your business.
Using detection models powered by AI engines, we evaluate variables like user behavior, IP address, device fingerprints, entity IDs, and transaction patterns to uncover suspicious activity as it happens.
This allows banks and lenders to take immediate action — blocking fraud, reducing risk exposure, and maintaining a seamless experience for trusted users.
Risk Scoring
Risk scoring is critical for identifying high-risk customers or merchants early, enabling smarter decisions before onboarding or approving transactions.
It helps banks, lenders, and fintechs allocate resources more effectively, reduce exposure to fraud and financial crime, and stay compliant with evolving regulatory standards.
With Dinkum.RISK, clients gain real-time, data-driven risk insights that improve trust, speed, and operational efficiency across every customer interaction.
Compliance
The driving compliance for banks, lenders, and fintechs in Australia is led by AUSTRAC’s AML/CTF Act, requiring strong identity verification, customer due diligence, and real-time reporting of suspicious activity.
APRA’s CPS 234 further mandates robust information security and the ability to respond swiftly to cyber and operational incidents.
Dinkum.INCIDENT supports both, with inbuilt Incident capabilities that detect, log, and trigger response workflows for compliance-related breaches — ensuring you stay audit-ready and regulator-aligned.
AI-driven Data Analytics
Our AI engine leverages advanced machine learning pipelines to ingest, clean, and model financial and behavioral data for real-time crime detection.
It uses built-in tools for data labeling, model training, and automated tuning to identify patterns linked to fraud, identity theft, and suspicious transactions.
Once deployed, the models continuously learn from new data, improving accuracy and responsiveness with every event.
Why Dinkum.ID is Different
More than verification — it’s trust, consent, and intelligence in one platform.
Unlike traditional KYC or point-solution tools, Dinkum.ID delivers three critical advantages: