Case Study: Nationale-Nederlanden Launches Payments Product with Digital Identity Infrastructure by Fourthline

Enabling a Single Onboarding Layer Across Business Lines

Fourthline partnered with Nationale-Nederlanden (NN) to support the launch of NN’s new payments proposition in the Netherlands. The collaboration upgraded NN’s identity verification and customer onboarding using an infrastructure already in place for some of its insurance, pensions, and savings businesses in the Netherlands. This enabled a single onboarding layer across business lines, with regulatory compliance directly embedded into the customer journey. 

Bas Kerpel, Product Owner Onboarding & Authentication at Nationale-Nederlanden: “Working with Fourthline helps us strengthen our digital onboarding capabilities and further reduce the risk of KYC fraud. In addition to delivering their technology, they share valuable expertise and insights that support us in improving how we protect our customers and act with care across NN Group.” 

Implementation and results 

The onboarding flows are mobile‑optimised and designed for fast completion, combining ease of use with compliant identity assurance. The platform is scalable and supports NN’s expansion into payments, while enabling further automation and adaptive regulatory compliance. Close collaboration between teams ensured a smooth transition to production ahead of the 2026 launch. 

Why Fourthline 

Fourthline was selected for its proprietary, mobile‑first technology tailored to modern financial services. Unlike legacy solutions, its platform supports bank‑grade onboarding across insurance, pensions, and payments within a single infrastructure. This reduced reliance on manual and in‑person verification while improving user experience and cost efficiency.