Due diligence requirements create friction in user onboarding. Thoughtful design can minimize abandonment while maintaining compliance.
The Friction Challenge
Users may abandon onboarding when:
- Forms are too long
- Questions are confusing
- TINs are rejected
- Documents are hard to upload
- Process is unclear
UX Best Practices
Progressive Disclosure
- Show only relevant questions
- Dynamic forms based on user type
- Break into manageable steps
Clear Communication
- Explain why information is needed
- Provide examples
- Set expectations for process length
- Show progress indicators
User Research
Test your due diligence flow with real users. Even small improvements can significantly reduce abandonment rates and support burden.
Form Design
- Pre-populate from existing data
- Smart country/jurisdiction selectors
- Real-time validation feedback
- Help text for complex fields
- TIN format examples by country
Error Handling
- Clear, specific error messages
- Guidance on how to fix
- Don't lose entered data
- Offer alternative paths (e.g., "TIN not available")
TIN Errors
TIN validation errors are a major source of user frustration. Provide clear format examples and explain where users can find their TIN number.
Mobile Considerations
- Mobile-optimized forms
- Camera-based document upload
- Touch-friendly interfaces
- Save and resume capability
Conclusion
Good UX design reduces abandonment and support burden. Invest in user research and testing to optimize your due diligence flow.
Automate CARF Compliance
Self-certification, TIN validation, transaction reporting, and XML generation for 76 jurisdictions.