Dot MFB was founded in 2021 with a simple but ambitious mission: to make banking fast and genuinely rewarding for both individuals and businesses. From everyday personal transactions to fully functional business accounts, the bank set out to remove unnecessary friction from financial services, making it easier to save, send, and manage money. With features like Dot Points, users are rewarded for everyday activity, while Dot Invest allows them to grow their wealth securely with competitive returns.

As the bank grew, onboarding thousands of customers—both individuals and businesses—became a critical challenge. With rapid adoption came the need to verify a high volume of government IDs accurately, while keeping fraudulent accounts off the platform. Delays or errors in verification threatened to disrupt Dot MFB’s promise of seamless banking and risked eroding the trust they had built with their users.

To overcome these challenges, Dot MFB turned to Dojah’s KYC solutions. 

This case study explores how Dojah helped Dot MFB strengthen its onboarding processes for thousands of customers while preventing fraud daily.

The Challenge: Identity Fraud Attempts and Verification Delays

As Dot MFB scaled and onboarded thousands of personal and business users, the operations team began to encounter growing challenges that slowed workflows and increased risk.

Fraud attempts became more frequent, and at the same time, they experienced consistent verification downtimes with their previous provider. These issues made it harder to verify legitimate users and affected the overall onboarding experience.

High Cases of Identity Fraud and Mismatched Documents

Dot MFB started seeing a rising number of potential users submitting forged IDs or mismatched photos during onboarding. In many cases, the image uploaded by a user didn’t match what was on their official NIN record, creating red flags that the operations team had to resolve manually. These inconsistencies not only slowed down the onboarding flow but also created a real threat to user safety and the integrity of the platform.

Consistent Service Downtime and Verification Delays

At the same time, the operations team struggled with frequent service downtimes from their previous verification provider.

Failed checks often happened without a clear explanation, making it difficult to understand why verifications weren’t going through or how to fix them quickly. The frequent downtime delayed onboarding and created friction for legitimate users who simply wanted to access their accounts without interruption. 

"Our previous provider was unavailable, and we had a lot of cases of stolen identities or pictures not matching the submitted government documents. We wanted our customers to feel safe transacting on our platform without the threat of fraud. This was why we decided to use Dojah."
— Bilikees Loyide, Customer Success Executive, Dot MFB

The Solution: Dojah’s NIN & BVN Automated Verification

Dot MFB began evaluating alternatives and in the process discovered Dojah. They needed a KYC provider that could handle high volumes without constant downtime, accurately verify Nigerian IDs (especially NIN and BVN), and catch fraud attempts before they became problems.

Unlike previous providers, Dojah offered a comprehensive KYC solution that combined automation and accuracy. The Dot MFB team quickly began integrating Dojah into their onboarding process, with a focus on both NIN and BVN verification. 

The NIN validation  quickly became the backbone of their fraud defense strategy The system automatically flagged mismatches—like when a user's uploaded photo didn't match the image on their official NIN record. This caught both forged IDs and stolen identities before they could access the platform, taking the burden off Bilikees' team to manually investigate every suspicious cases.

BVN verification was used selectively, supplementing NIN checks to provide an additional layer of security. Together, these checks allowed the operations team to verify users confidently, reducing the manual effort required to resolve inconsistencies.

Rahma Olaniyan, Technical Product Manager, highlighted how easy it was for the team to follow the guides and set up the system without major technical hurdles.

"I found the documentation and integration guide helpful and straightforward."
— Rahma Olaniyan, Technical Product Manager, Dot MFB

The Dojah customer dashboard added another dimension of efficiency.  Every verification attempt was logged transparently, allowing the operations team to track failed checks, monitor unusual patterns, and intervene when necessary.  This visibility helped Dot MFB transition from a reactive approach to a more proactive fraud management mode

Fast and reliable support from Dojah also enhanced the experience. Whenever the team encountered issues or needed clarification, responses came quickly, often resolving challenges within minutes. This ensured that onboarding remained smooth, even when the system flagged anomalies or required manual review.

"The response time is very encouraging. When we have any technical issues, it is usually resolved within 5 minutes."
— Bilikees Liyide, Customer Success Executive, Dot MFB

By combining automated verification with real-time monitoring, Dojah enabled Dot MFB to secure onboarding effectively. The operations team could focus on more complex cases without worrying about routine fraud checks or prolonged verification delays. This shift allowed the bank to deliver a seamless onboarding experience at scale.

The Results: 90% Fewer Verification Errors & Higher Onboarding Success

After a few months of using Dojah’s NIN and BVN validation services, Dot MFB began to see clear improvements in the accuracy and speed of its onboarding process. Verification errors dropped significantly, and the operations team could finally review users without dealing with the constant inconsistencies and failed checks that slowed them down in the past.

One of the biggest changes was the 90% reduction in verification errors. With access to accurate user identity data, the team could more easily identify why a verification failed and quickly decide on the next steps. This clarity reduced manual troubleshooting and helped the operations and fraud teams work more efficiently.

These improvements flowed directly into onboarding performance. With fewer disruptions and more accurate checks, Dot MFB recorded a 30% increase in successful onboarding within just one quarter. Legitimate users could join the platform faster, and the team could scale confidently without worrying about repeated verification errors.

Summary of key outcomes from Dojah’s KYC solutions:

• 90% fewer verification errors
• Clear visibility into the cause of failed checks
• A more efficient workflow for the fraud and operations teams
• 30% increase in successful onboarding within one quarter
• Reduced dependency on manual reviews

Dot MFB’s Verdict: Why Dojah Stands Out

For Dot MFB, Dojah stands out because it is purpose-built for the African market; not a generic, one-size-fits-all solution. Esther Oke, Senior Technical Product Manager at Dot MFB, highlighted how the localised support was especially valuable, with technical guidance tailored to the realities of operating in Africa. 

With this dependable support, Dojah directly enhanced the onboarding experience for Dot MFB’s customers. Accurate NIN and BVN validation ensured users could sign up quickly and safely, while fraudulent attempts were automatically filtered out. The seamless and accurate KYC checks helped Esther’s team to focus on growth while giving users confidence that their accounts and transactions were secure.

Simplify Your KYC Process in Africa with Dojah

Dot MFB’s story shows how critical it is to have a KYC partner that truly understands the African market. With Dojah’s KYC solutions, Dot MFB reduced verification errors by 90%, prevented fraudulent signups, and delivered a safer onboarding experience for thousands of users. Customers could sign up quickly, knowing their accounts and transactions were protected.

Like Dot MFB, your fintech or digital business can strengthen fraud prevention and build user trust using Dojah’s suite of KYC solutions. This ranges from ID checks and document verification to automated fraud detection that keeps bad actors out.

Trusted by over 500 businesses and with more than 50 million identities verified, Dojah helps teams verify users accurately and scale confidently across diverse markets in Africa.

Book a demo today to see how Dojah can help you verify users with confidence and scale securely across Africa