Altares Dun & Bradstreet simplifies screening processes for XXImo

XXImo has one clear goal in mind: it wants to offer simple, sustainable and optimised payment solutions focused on mobility to the business market.
The mobility expert developed a platform that allows organisations in the Netherlands, Belgium and Germany to effectively manage the mobility of their customers and employees. With plans to expand their services to France, Ireland and the United Kingdom, XXImo offers a variety of flexible travel options to employees of countless companies, ranging from refuelling and charging, to public transport and shared mobility.
In addition, XXImo has maintained a strategic partnership with Visa for over a decade and is a Visa Principal Member since 2023. The XXImo mobility card uses the Visa network to seamlessly facilitate mobility transactions.


Operating for over 10 years

Before we do business with a company, we always conduct a thorough analysis and request various supporting documents for identification and verification purposes”

Nicolien Nusselder
Nicolien Nusselder
Head of Operations

1.    The Challenge

An international screening solution

Before we do business with a company, we always conduct a thorough analysis and request various supporting documents for identification and verification purposes,” explains Nicolien Nusselder, Head of Operations at XXImo. As the person responsible for XXImo's customer success and KYC department, she is tasked with screening potential customers. “For this analysis we already used IndueD, a tool for compliance management and due diligence provided by Altares Dun & Bradstreet. This allows us to screen companies with regard to ongoing sanctions, international PEP and sanctions lists and identify, screen and monitor UBOs (Ultimate Beneficial Owners) worldwide. We can carry out our own compliance checks as well.”

“Despite having this handy tool, we were looking for a way to perform screenings even more efficiently and conveniently. It still involved quite a few intermediate steps. First, we had to request supporting documents from customers, then consult IndueD, then the potential customer had to undergo yet another identification and verification, and only if everything seemed correct, could we proceed to a possible collaboration. This process was actually very fragmented, and I believe that every additional click or step could cause companies to drop out.”

“That’s why I was looking for an automated and optimised solution that allowed potential customers to complete the screening process in one go, in a simple and fast way. In addition, XXImo has ambitions to expand to other European countries, where different laws and regulations apply to customer due diligence. So, we really needed an international solution. Altares Dun & Bradstreet was the only bidder to offer a solution that is compliant with relevant legislation and meets my requirements.”

2 The solution

A real-time, customised portal

“We still use IndueD as a basis, but Altares Dun & Bradstreet has developed a customised portal around it, in collaboration with partner supplier IDnow,” Nicolien continues. “It enables us to send different types of questionnaires to potential customers. Suppose a company is interested in becoming our customer: we send a questionnaire to the authorised representative, clearly explaining the steps he/she needs to take, which documentation we need, and so on. This enables the company to prepare properly and complete the questionnaire in about fifteen minutes.”

“In addition, the platform automatically sends reminders to companies if they have not yet returned a completed questionnaire after seven days. We used to have to do that manually. We then receive all completed information, including the respondent's identification and verification, in one convenient package, which is automatically stored in a secure and encrypted Altares Dun & Bradstreet vault.”

“IDnow then analyses whether the identification meets the requirements. The customer's authorised representative must take a selfie and attach a scan of his or her passport so that we can verify whether they match. If everything is OK, our analysts can check whether the questionnaire has been completed correctly. For example, if the section on UBOs is filled in incorrectly, that part can be edited without having to complete the entire questionnaire again. Then we just need to click on the accept button to confirm that the company can become our customer.”


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3. The result

Time savings and increased user-friendliness

Nicolien: “Sending out such questionnaires used to take fifteen minutes easily, but now it can be done in a minute. This means our employees spend less time on repetitive administrative tasks and can focus more on analyses. The new platform is a more enjoyable experience not just for our employees, but also for our customers. Before, we had to send a PDF or Word document as an attachment, which they had to download, fill out, send back and everything had to be done again if there were any errors. This process has been simplified. Potential customers can easily return the completed questionnaire the same day.”

XXImo patron

To screen potential customers, XXImo relies on IndueD, a centralised platform that provides them with real-time insight into organisational structures, sanctions lists and risk classifications using Altares Dun & Bradstreet's database. Altares Dun & Bradstreet developed a customised platform, tailored to the needs of XXImo, to further automate and optimise this process.

The Future

“We are currently analysing how end users experience the questionnaires,” Nicolien concludes. “Are there any bottlenecks? What else is going wrong? And what can we improve in this respect? Every quarter, we select various aspects that we will optimise further in order to improve the user experience.”

“Integrating IndueD directly into the questionnaire is also on my wish list. For example, we currently ask for the company name or UBO. Instead, respondents could search the IndueD database directly: they would select the relevant company themselves and we would reduce the length of our questionnaire as a result. This way, they would only have to confirm or edit the information provided by IndueD.”

“I definitely see our partnership with Altares Dun & Bradstreet continuing to grow. If I had to describe our journey so far in three words, they would be 'helpful, accessible and enthusiastic'. The team at Altares Dun & Bradstreet have always been very supportive of my needs; they were always available and able to respond quickly if necessary. Not to mention the fact that they, too, were very enthusiastic about the solution they developed for us. They really understand its potential, and that makes the collaboration all the more enjoyable.”

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