IDnow and Trustfull have partnered to deliver fraud prevention by linking identity verification with ongoing risk checks across customer interactions.

The partnership is intended to address fraud both at account creation and after onboarding.

Beyond onboarding

Many businesses still rely on one-off know-your-customer checks when a user first signs up. IDnow and Trustfull argue this leaves gaps, as fraud risks can emerge later during authentication, account use and other interactions.

Under the arrangement, IDnow will combine its identity verification services with Trustfull’s digital and behavioural intelligence tools. The goal is to give organisations a broader view of customers over time, rather than a single snapshot at onboarding.

Trustfull’s data includes signals from email, phone, device, IP and browser activity. These inputs can help firms identify signs of disposable credentials, device spoofing and proxy use.

The combined approach can also be used to spot synthetic identity fraud during onboarding and monitor for behavioural anomalies or account takeover attempts later in the customer relationship.

Risk signals

The partnership centres on IDnow’s Trust Platform, described as a unified access point for identity verification methods and fraud signals. It is designed to correlate identity, behavioural, device, and digital data in real time, enabling businesses to make risk-based decisions at different stages of the customer journey.

IDnow says the model is intended to move customers away from static KYC checks and towards continuous risk management. The platform is also built to support compliance work linked to rules and frameworks, including eIDAS 2.0, AMLR and PSD3.

Market pressure

The tie-up comes as fraud teams face pressure to respond to attacks that are faster and more complex than traditional onboarding checks were designed to handle. Financial services groups, telecoms providers, travel businesses and gaming companies are among the sectors that must balance fraud controls with the need to avoid disrupting legitimate users.

Simon Peralta outlined IDnow’s view of the challenge and the role of partners in addressing it.

“The threat landscape has never been more complex, and fraud can occur at any stage of the customer journey. By bringing together high-quality signals from partners like Trustfull within a single platform, we give our customers a single source of truth for risk decisions, without the complexity of managing multiple vendor relationships,” said Simon Peralta, VP of Global Partners & International Sales, IDnow.

Company profiles

IDnow describes itself as a European provider of digital identity and fraud prevention products, with operations in Germany, the United Kingdom, Romania and France. Its clients span financial services, telecommunications, travel and mobility, gaming and other industries.

Trustfull focuses on fraud detection using digital signals and specialised risk models. Its clients and partners include Decathlon, Nexi, ING, Santander, Elavon, Scalapay, Cofidis and Sofinco.

For Trustfull, the agreement reflects a broader shift in the fraud market towards combining identity checks with signals gathered throughout the customer lifecycle.

“Our partnership with IDnow reflects a growing industry need for multi-layered fraud prevention, where identity verification is combined with broader digital intelligence to deliver stronger protection for businesses. We are pleased to join forces with such a leading player in the digital identity space and look forward to building powerful solutions together,” said Alex Tonello, SVP Global Partnerships, Trustfull.

Hyperlayer has appointed Louise Chan and Barry O’Callaghan to its board of directors following the London fintech’s GBP £30 million fundraise in the third quarter of 2025.

Chan already serves on the executive team as Chief Operating Officer, while O’Callaghan joins the board with a background in investment and corporate leadership. The appointments add two senior figures as Hyperlayer looks to expand internationally.

Founded in London, Hyperlayer sells technology to banks launching new financial products while maintaining links to existing core systems. Its platform is designed to help lenders move faster in areas such as digital financial services.

Chan joined Hyperlayer in 2023 and has more than 25 years of experience across banking and payments.

Before becoming Chief Operating Officer at Hyperlayer, she held the same role at Ebury, where she oversaw product, data and operations during the company’s international expansion. Earlier, she was Managing Director for Innovation Capability Development at HSBC and also held senior roles in banking and consultancy.

Capital markets

O’Callaghan is Chairman of private investment firm AKLO Capital. He previously served as Chief Executive Officer of education company Houghton Mifflin Harcourt and earlier built digital publisher Riverdeep through a series of acquisitions.

Earlier in his career, he held investment banking roles at Morgan Stanley and Credit Suisse, focusing on mergers and acquisitions and capital markets. That experience brings board-level expertise in fundraising, expansion and dealmaking as Hyperlayer builds on its latest investment round.

The board changes were announced by Rob Rooney, Hyperlayer’s co-founder and former Chief Executive Officer of Morgan Stanley International. He has led the company as it pursues further growth with banks across multiple markets.

Board changes

The addition of an internal operating executive and an investor with capital markets experience points to a blend of execution and financial oversight at the board level. It also formalises Chan’s leadership role while giving O’Callaghan a direct governance position.

O’Callaghan was already involved with the business as an investor. His appointment shifts that relationship from shareholder backing to a formal board seat as the company enters its next phase.

For fintech companies selling to large banks, board composition can carry weight because customers and investors often look for experience in regulation, operations and institutional relationships. Hyperlayer’s choice of directors reflects that emphasis, with Chan bringing operational banking expertise and O’Callaghan contributing experience in investing and large-scale corporate management.

Hyperlayer has tied the appointments to its recent funding and international plans. It is one of several UK fintechs seeking to win business from incumbent banks under pressure to improve digital services without replacing core systems outright.

Market pressure

Competition in that market has intensified as banks weigh how to use newer forms of automation and software in customer-facing products. Providers that can demonstrate an understanding of both bank infrastructure and governance requirements have tried to stand out as spending by financial institutions remains selective.

“Louise has been instrumental in building our global operating capability, driving our HyperJar B2C business and leading Tier 1 bank client relationships. Barry adds deep experience in capital markets and scaling global businesses, and we’re delighted to see him move from investor to this hands-on leadership role. As we expand internationally and work with larger institutions, their perspective at board level will be critical to our next stage of growth,” said Rob Rooney, Chief Executive Officer and Co-Founder of Hyperlayer.

COHO has appointed Jon Hurley as Chief Product Officer, moving the Co-Founder from Chief Operations Officer into a product leadership role.

He will oversee the vision, direction and delivery of the shared living software group’s digital products as it expands its platform for landlords, letting agents and tenants. The appointment comes as COHO rolls out changes linked to the Renters’ Rights Act and broader updates to its product offering.

COHO, which operates in the UK shared living market, says its platform is used by more than 55,000 tenants across more than 6,000 houses in multiple occupation. It describes itself as the only HMO platform in the UK to offer compatibility-based tenant matching, designed to pair tenants with common interests.

The business also reported recent growth of 87% year on year, 187% over 18 months and 531% over two years. It is targeting 200,000 units on the platform within the next two years.

According to COHO, Hurley has more than 12 years of experience in shared living management organisations. Before co-founding the company in 2019 with chief executive officer Vann Vogstad, he held roles at AXA Insurance, Switch Design Consultancy and co:home.

His appointment formalises a shift away from operations and towards product development. COHO said his background includes digital solution delivery, software development, relational database design and technical problem-solving.

Product rollout

The appointment comes as COHO prepares a new set of features for landlords and agents ahead of changes in the rental market. Among them is a digital Assured Tenancy Agreement, which will be free for all COHO users, with documentation merge tags for both single lets and HMO rooms.

The business is also introducing grouped HMO onboarding as part of the same update, aiming to simplify administration for owners and managers handling multiple occupants and property types.

Usability updates are being made across the platform, including a new communications panel and a document-serving flow designed to centralise, track and provide evidence for tenant documents, alongside stored templates and document-merging tools.

For letting agents, COHO is finalising property float features and broader changes to financial workflows, including enhanced supplier payments and owner settlements.

The platform has also been integrated with Rightmove, Zoopla and OnTheMarket, with further user experience refinements in development.

Leadership focus

Hurley outlined his priorities in the new position.

“I’m thrilled to be taking the role of Chief Product Officer at COHO at such an exciting time for the business, as it accelerates the delivery of new features that make COHO faster, smarter and even easier for customers to rely on,” said Hurley.

“COHO is leading the way in innovation in the shared-living management sector, and we’re continuing to deliver tools that give landlords and agents greater clarity, compliance and control in an evolving market,” said Hurley.

“My role will focus on exploring customer insights, creating clear and consistent product priorities, and monitoring market and regulatory shifts, competitive movement and emerging opportunities,” said Hurley.

Vogstad said product development would play a central role in the company’s next stage of expansion.

“We’re thrilled to announce that Jon will be leading the development of our product suite. His rare ability to move seamlessly between strategy, marketing and development brings exactly what we need as we continue to scale,” said Vogstad.

“Jon’s experience and instinct for building products that truly solve problems will be instrumental in driving COHO’s next phase of growth. We’re excited about the impact he’ll have on both our team and the wider shared living community,” said Vogstad.