Three steps from request to verified identity, all within ApplyOnline.
Identity verification, built into ApplyOnline®
NextGenID® delivers definitive identity outcomes at point of application, with no manual intervention.
Decisions in seconds: Real-time decisioning with a complete, auditable identity record for every application.
Government-backed: Documents validated against the national Document Verification Service (DVS).
Under 5 minutes: Applicants typically verify their identity on any device in less than 5 minutes.
Lenders verifying identity with NextGenID
Automated identity capture and verification
A faster, more secure and more consistent identity verification experience.
How it works
Request in ApplyOnline
Send a request by SMS or email, where enabled, without leaving the application.
Verify on any device
Applicants scan their ID and take a selfie video, checked in real time.
Results in seconds
ID data is added and the verification report is attached for the lender.
Streamlined identification for all parties
NextGenID streamlines the identification process for brokers, lenders and applicants, all within ApplyOnline.
Request, track and receive verified ID without leaving ApplyOnline.
- Notify applicants by SMS or email (where enabled)
- Track status in real time
- ID details filled in automatically
- No cost to brokers
Definitive identity outcomes, with a complete, auditable record for every application.
- Supports AML/CTF obligations
- Government-backed DVS checks
- Improves straight-through processing
Verify identity on any device, typically in less than 5 minutes.
- Link sent by SMS or email
- No branch visit needed
- Guided by voice and on-screen hints
Multi-layered verification
Biometric liveness
Confirms a real person was present at capture, not a photo or replay.
Deepfake detection
Media-layer analysis helps detect AI-generated faces and deepfake video.
Device analysis
Detects emulated or virtual session environments before verification starts.
OCR data capture
Captures ID document details and fills them into ApplyOnline, so there’s no re-keying.
DVS checks
Validates documents against government-held records via an authorised DVS gateway.
Auditable record
A conclusive ID report package provides a full audit trail.
PEP & Sanctions Screening
Identify high-risk applicants earlier
An optional add-on that screens applicants against global PEP, sanctions and watchlist databases.
Results built into the NextGenID report
Supports Customer Due Diligence obligations
No extra steps for brokers or applicants
NextGenID compliance and security
NextGenID supports lender identification obligations with a complete, auditable identity record.
- Supports AML/CTF customer identification and verification obligations
- DVS checks against government-held records as part of KYC
- Full audit trail via the conclusive ID report package
- SOC 2 Type 2 certified
- Independent privacy assessment against Australian privacy and data legislation
NextGenID in action
How MA Money scaled to a record settlement month, with NextGenID integrated from the start.
CASE STUDY
MA Money – Scaling one of Australia’s fastest-growing non-bank lenders
Tim Lemon and Priya Hunur, National Sales Manager at MA Money and Chief Technology Officer at MA Financial Group
$500M
Record settlement month
48-hour
SLA maintained through growth
Zero
Duplicate ID verification processes
What brokers and lenders say
“We’ve taken up NextGenID, and the link available for customers is just such a time-saving experience.”
Wendy den Hartog
Chief Operating Officer | Beyond Bank Australia
“NextGenID makes identity verification quick and seamless, so there’s less back-and-forth with clients.”
Mortgage broker
“NextGenID is excellent, and streamlines the ID VOI for AML-CTF to be the same across all lenders, which is a great help.”
Mortgage broker
Get up and running
NextGenID webinar
Free, CPD-accredited session on NextGenID and the Access Seeker Credit Report.
Frequently asked questions
Yes, where the lender has email delivery enabled. You can choose SMS or email for each applicant.
Yes, where the lender supports it. ApplyOnline automatically reuses an eligible NextGenID report, so there’s no need to send a new request.
Pass means identity verification was successful. Flagged means something needs review, such as a flagged document or, where PEP & Sanctions Screening is enabled, a potential match.
The link stays active for five days (120 hours), and the applicant can come back to it as often as they need in that time. Reminders go out after 72 hours and again 24 hours before the link expires, by SMS or email to match the original request. If the link expires, cancel the request and send a new one.
No. When enabled by a lender, screening runs automatically as part of NextGenID, with no extra questions or actions for applicants or brokers.
Yes. As well as the NextGenID report in the application’s supporting documents, identity results can be delivered to lenders as data with the application they already receive, ready to use in their own systems. Talk to us about setting this up.
Contact your NextGen Partnerships or Solutions Manager to discuss activation.
Featured articles
Media release
VMG moves exclusively to ApplyOnline, streamlining the lending experience
Media release
First Federal joins NextGen’s ApplyOnline platform
ApplyOnline tip
More ways for applicants to verify: introducing email delivery for NextGenID
Media release
OwnHome partners with NextGen to accelerate broker market expansion
More in the ApplyOnline Financial Passport
NextGenID is part of Financial Passport, a suite of services that bring verified identity, banking and credit data into ApplyOnline.
Access Seeker Credit Report
Verify applicant financial data instantly, reducing errors and speeding up loan processing.
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