PXL Vision for Cembra

THE SOLUTION

One platform, two processes

Cembra selected PXL Ident as the identity verification backbone for both business lines. The deciding factor was clear: a single platform able to serve two structurally different processes, each with its own configuration of restrictions, requirements, and validations. This eliminated the complexity and overhead of managing separate solutions — a meaningful advantage both technically and operationally.

PXL Ident's architecture gave Cembra the flexibility to define exactly how compliant identification fits into each product journey. In the credit card business, verification is seamlessly embedded at the end of the customer's onboarding flow. In auto financing, it can be triggered independently by the dealer — a capability that was a key requirement from the very start of the project, and one that PXL Ident delivered out of the box.

The richness of PXL Ident's transaction-level outputs also unlocked something valuable beyond the technical implementation: it challenged Cembra to rethink and sharpen its own internal business rules. Rather than applying a one-size-fits-all approach, each business line was able to define tailored handling logic that reflects the specific risk profile and customer journey of that product. The result is a more intelligent, adaptable process — and a stronger foundation for the automation goals ahead.

A smooth upgrade and growing adoption

Following a successful migration from the previous model to PXL Ident, Cembra undertook a structured review of its identification workflows across both business lines. The team aligned processes wherever possible and only differentiated where the product genuinely required it. The upgrade brought measurable improvements in identification quality and reliability — and with it, a significant increase in acceptance among customers and dealers alike. Digital identification quickly became a trusted, stable pillar of Cembra's onboarding process.

Digital, instant, and fraud-aware

PXL Ident delivers three operational benefits for Cembra:

• Digital ID on file: Online identification captures a structured, digital copy of the customer's ID at the start of the application, removing the need for separate document submission and shortening processing times.
• Real-time processing: Identification runs end-to-end without media breaks or manual handoffs, which Swiss customers increasingly expect as standard.
• Early fraud detection: Built-in document intelligence flags suspicious or manipulated IDs upfront, before applications move into downstream processing.
  
  

WHY PXL VISION?

For Cembra, flexibility was the defining criterion — not just in terms of product configuration, but in how the solution scales across very different business models. PXL Vision's ability to offer a unified platform that adapts to structurally distinct onboarding flows, without requiring separate systems or compromising on configurability, made it the right long-term partner.

Beyond the technology itself, the collaboration with PXL Vision has been characterised by close partnership and continuous improvement. Working together to refine identification workflows and adapt to evolving business needs, Cembra has been able to steadily raise the level of automation and process quality across both product lines.