aspg-37-4404-1792223498 20261017075138 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Financial Technology and Innovation FinTechI 2836-5372 2025 5 1 Ilknur Ozturk Faculty of Economics, Administrative and Social Sciences, Nisantasi University, Istanbul, Turkey Digital onboarding has become a decisive business capability for financial technology firms because customer acquisition, compliance screening, product activation, and trust formation now occur in the same online journey. This paper proposes a Digital Onboarding Readiness model for evaluating whether a market has the conditions required to convert identity verification into sustained FinTech usage. The model combines account access, digital payment use, mobile internet readiness, digital identity support, open-finance policy, regulatory onboarding readiness, and consumer trust into a business-oriented index. A cross-market indicator panel is analysed using descriptive profiling, maturity clustering, readiness decomposition, and predictive interpretation. The results show that strong account ownership alone does not guarantee onboarding maturity. Markets with advanced identity and policy infrastructure may still face low payment-use conversion, while markets with widespread digital payments may be constrained by trust and regulatory readiness gaps. The findings suggest that FinTech firms should treat onboarding as a portfolio capability rather than a front-end compliance step. The paper contributes a transparent measurement framework for market entry, platform partnerships, and responsible e-KYC investment decisions. 2025 31 38 4404 https://creativecommons.org/licenses/by/4.0/ 10.54216/FinTech-I.050104 https://americaspg.com/journal/37/article/4404 https://americaspg.com/storage/articles/manuscripts/01KV3KTFZ3GDEDWEFPXS5EGZ4H.pdf