SeQura Cut KYB Onboarding Time by 94% With Duna Integration
The payments provider slashed compliance hours for its 4,000 merchants by automating document and risk-tier validation.
Updated on Oct. 1, 2026 in Financial Services
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By integrating the Duna policy engine in early 2025, SeQura reduced its average know-your-business (KYB) review time from 243 minutes to 14.9 minutes. The move relieved a growth bottleneck that had previously stalled merchant onboarding.
Why it matters
Automating compliance allowed SeQura to reboard 1,700 merchants while reducing analyst labor from 7,000 hours to 420. This shift demonstrates how firms can scale customer acquisition without linearly increasing their compliance headcount.
SeQura achieved an 88% first-time right onboarding rate, up from 50%, while processing reviews for 4,000 merchants with a 95.2% approval rate. This optimization reduced the required analyst-hours for periodic reviews from 7,000 to 420.
The players
SeQura
A payment services provider serving 4,000 merchant stores and 1.5 million buyers across Southern Europe.
Duna
An Amsterdam-based provider of automated policy and compliance engines for financial services firms.
The details
The Duna policy engine automates compliance by mapping document requirements to a merchant’s specific legal form, business vertical, and risk profile. It pre-fills merchant data to ensure accuracy before submission, directly reducing manual intervention by SeQura's ten-person compliance team. By digitizing the ruleset, the system identifies missing documentation in real-time, which has moved the average active onboarding time to 27.5 minutes.
Timeline
Summer 2024: KYB onboarding was identified as a growth bottleneck.
Early 2025: SeQura integrated the Duna policy engine and reboarded 1,700 merchants.
Market Landscape
SeQura’s move follows the industry-wide shift toward RegTech automation in AML/KYC onboarding to handle rising volume. By moving from manual review to programmatic verification, firms are increasingly treating compliance as a modular software integration rather than a labor-heavy overhead.
Operations leaders should examine whether their onboarding bottlenecks are driven by repetitive data entry that can be offloaded to automated rule-based engines. Quantifying the impact of manual versus automated review cycles is essential to scaling merchant or customer acquisition without hiring proportionally.
The takeaway
Automating your compliance workflow can convert a fixed-cost burden into a scalable growth lever. Audit your current analyst-hour requirements per onboarding to identify if your firm’s KYB process is currently acting as a cap on your potential merchant acquisition rate.
Further reading
For more on evolving compliance strategies, visit the Financial Services section.
Source note: This article includes information reported by FinTech Global.
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