Continuous Trust & Orchestration
Questionnaire & Risk Assessment Engine
Build, configure and deploy dynamic regulatory questionnaires, with branching, full white-label rendering, and configurable rule-based and score-based risk assessment, without writing code.
Built for Enterprise Integration
IDWise|QuestionnaireTenant 1 ▾Sandbox M
SandboxLive
🇬🇧 English ▾
Source of FundsSection
Primary source of fundsDropdown · 6 Options
Approximate annual incomeCurrency · 6 Options
Route on primary sourceBranching · 3 paths + else
INHERITANCE PATHprimary_source in ["inheritance_gift"]
{Multichoice}Multichoice · 6 Options
Text
INHERITANCE PATHprimary_source in ["inheritance_gift"]
{Multichoice}Multichoice · 6 Options
Text
INHERITANCE PATHprimary_source in ["inheritance_gift"]
{Multichoice}Multichoice · 6 Options
Text
ElseMatches when no other path does
{Multichoice}Multichoice · 6 Options
Text
Risk AssessmentCalculates Risk
LowMediumHigh
Risk AssessmentRule-based · evaluated after the last section
Rule 1
WhenPrimary source ▾is equal to ▾business_income ▾+ value
+ Add Condition (AND)
Then
LowMediumHigh
Rule 2
WhenPrimary source ▾is equal to ▾inheritance_gift ▾crypto_proceeds ▾+ value
ANDannual_income ▾is greater than ▾500000 ▾+ value
+ Add Condition (AND)
Then
LowMediumHigh
Rule 3
Whencountry_of_residence ▾is in ▾🇮🇷 IR ×🇬🇧 GB ×🇸🇾 SY ×+ value
+ Add Condition (AND)
Then
LowMediumHigh
Risk Assessment Engine
Rule-based and score-based · Low / Medium / High · mapped to Pass, Refer or Reject
Rule-basedScore-basedLow Medium High
No-Code Builder
Visual canvas with dynamic branching that routes on any prior answer
BranchingSandbox → Live
White-label SDK
Your brand, every language, including right-to-left scripts
RTLAny language
How it works
From canvas to deployed questionnaire, without code.
Build questionnaires on the Studio canvas, add branching, apply risk rules or scoring, and deploy directly to the IDWise SDK, fully white-labelled in the customer's brand.
1
Build with the no-code questionnaire builder
Add sections and questions on a visual canvas in IDWise Studio, single choice, multichoice, dropdown, country, number, currency, date, text and agreement blocks, and make the questionnaire dynamic with Branching blocks that route on any prior answer. Save to Sandbox, then Go Live.
2
Configure rule-based and score-based risk assessment
Define conditional logic rules triggered by specific answers, or configure a scoring model that aggregates weighted responses into a risk score, with configurable thresholds mapping to Pass, Refer or Reject outcomes.
3
Deploy white-labelled across languages and markets
The questionnaire renders in the IDWise SDK, fully white-labelled in the customer's brand, with full language support including right-to-left scripts. One configuration, consistent across all supported channels.
Route on answerBranching · Each path can target any prior question
Each path can target any prior question with its own operator and values. First matching path wins (or all run).
Business Path2 nodes
WhenPrimary source ▾is equal to ▾business_income ▾+ value
+ Add Condition (AND)
High-value gift path2 nodes
WhenPrimary source ▾is equal to ▾inheritance_gift ▾+ value
ANDannual_income ▾is greater than ▾500000 ▾
+ Add Condition (AND)
High-risk country path2 nodes
Whencountry_of_residence ▾is in ▾🇮🇷 IR ×🇬🇧 GB ×🇸🇾 SY ×
+ Add Condition (AND)
⑂ Add PathElse (fallback) · default
Matching
● First-match wins, paths evaluated top-to-bottom; first match runs.
○ All matches run sequentially, every matching path runs in order.
Dynamic questionnaires
Route on any answer with the Branching block
Drop a Branching block anywhere in the flow. Each path targets any prior question with its own operator and values, so the questionnaire adapts to the applicant instead of asking everyone everything.
1
Conditions on prior answers, is equal to, is greater than, is in, with AND conditions per path.
2
Deeper sections only where needed, e.g. inheritance or crypto sources open follow-up questions; salary income skips them.
3
First-match or run-all, choose whether the first matching path wins or every matching path runs, with an Else fallback.
SDK Renderer
Section-based questionnaire renderer
One screen per section, optional dot stepper, scrollable within sections. Natively supports all question types and matches the IDWise SDK reference design.
Full white-label
Brand colours, logo and typography applied across the entire questionnaire flow. No IDWise branding unless the customer chooses to show the badge.
Full language support including RTL
Questions, labels, and validation rendered in the configured language, including right-to-left layouts for RTL scripts.
Integrated with the IDWise journey
Questionnaire steps slot into Flow Builder journeys alongside document verification, biometrics, AML and device intelligence, sharing the same risk context and audit trail.
9:41●●●● ▮
Source of funds
Tell us where your money comes from. This helps us comply with regulations.
Employment status
Self-employed▾
Primary source of funds
Business income▾
Approximate annual income
$ 85,000
Country where income is earned
United Arab Emirates▾
Continue
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9:41●●●● ▮
Politically exposed persons
These questions help us comply with anti-money-laundering regulations.
Are you a politically exposed person?
No
Yes
Is a close family member a PEP?
No
Yes
Relationship to the PEP
Parent▾
Continue
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9:41●●●● ▮
مصدر الأموال
أخبرنا من أين تأتي أموالك. يساعدنا ذلك على الامتثال للأنظمة.
الحالة الوظيفية
صاحب عمل حر▾
المصدر الرئيسي للأموال
دخل تجاري▾
الدخل السنوي التقريبي
85,000 $
بلد كسب الدخل
الإمارات العربية المتحدة▾
Continue
Powered by IDWise
Risk Assessment Engine
Two assessment modes. One configurable engine.
Configure the risk logic that matches your regulatory environment, rule-based for binary compliance requirements, score-based for risk-tiered outcomes.
Rule-Based Assessment
Risk AssessmentRule-based · evaluated after the last section
Rule 1
WhenPrimary source ▾is equal to ▾business_income ▾+ value
+ Add Condition (AND)
Then
LowMediumHigh
Rule 2
WhenPrimary source ▾is equal to ▾inheritance_gift ▾crypto_proceeds ▾+ value
ANDannual_income ▾is greater than ▾500000 ▾+ value
+ Add Condition (AND)
Then
LowMediumHigh
Rule 3
Whencountry_of_residence ▾is in ▾🇮🇷 IR ×🇬🇧 GB ×🇸🇾 SY ×+ value
+ Add Condition (AND)
Then
LowMediumHigh
Rules evaluate answers with operators such as is equal to, is greater than and is in, combined with AND conditions. Each rule assigns a Low, Medium or High risk outcome. The Risk Assessment block sits at the end of the questionnaire and calculates the result from all matched rules.
Answer-triggered conditional logic
Low / Medium / High outcome per rule
Multiple rules per questionnaire, evaluated top to bottom
Rule evaluations recorded in the audit trail
Score-Based Assessment
Risk ScoringScore-based · weighted answers → composite score
Answer weights
+25
+15
+30
+20
+10
Thresholds
0: 30 Low → Pass31: 65 Medium → Refer66+ High → Reject
Example applicantScore 55 · Medium · Refer
Assign weights to individual answers. The engine aggregates weighted responses into a composite risk score, evaluated against configurable thresholds to produce a tiered outcome.
Weighted answer scoring per question
Configurable Pass / Refer / Reject thresholds
Composite risk score surfaced in Case Management
Supports risk-tiered KYC outcomes
Capabilities
What you can configure
Configure sections and questions on a visual canvas. Question types: single choice, multichoice, dropdown, country, number, currency, date, text and agreement. Make questionnaires dynamic with Branching blocks that route on any prior answer (first-match or run-all), and switch language per questionnaire, all without engineering involvement.
The IDWise SDK renders questionnaires natively, one screen per section, optional progress stepper, scrollable within sections. Fully white-labelled in the customer's brand. Supports all question types, all languages, and right-to-left scripts.
Configure rule-based logic (specific answers trigger actions) or score-based assessment (weighted answers aggregate into a risk score). Thresholds map scores to Pass, Refer or Reject. Risk outcomes are surfaced in Case Management alongside the full questionnaire evidence.
Questionnaire steps integrate directly into Flow Builder journeys, deployed alongside document verification, biometrics, AML and device intelligence. Responses are returned via the IDWise API and recorded in the complete journey audit trail.
Talk to an IDWise Specialist
Discuss your markets, regulatory requirements, risk controls and integration architecture with our team, and see how the Questionnaire & Risk Assessment Engine fits your operating model.