Product

Digital Identity Trust

Reduce fraud losses and make data-driven decisions to verify your customers with confidence.
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Have Confidence in Consumer Identities with Effective Verification

Digital Identity Trust (DIT) confirms identity authenticity by using multi-dimensional data sources including phone number, email, address, SSN, date of birth and mobile device verification. As more transactions occur over digital channels, it is imperative that organizations can confidently verify the identity of online customers and securely facilitate transactions.

DIT helps ensure the consumer you are engaging with is real, is affiliated with other inputs and has no risk flags present. With DIT, you can proactively mitigate fraud, reduce financial losses and comply with the Customer Identification Program (CIP)  and Customer Due Diligence (CDD) portions of the KYC framework.

Minimize Fraud Losses
Make smarter identity decisions using a seven input verification, affiliation and insights model.
Comply with Regulatory Requirements
Help ensure high-risk individuals don’t endanger your business.
Increase identity confidence
Use digital signals — such as phone, email and device information — to increase confidence that a user is who they claim to be.
Customize Workflows
Incorporate DIT seamlessly into existing workflows via API, batch, InterConnect or a self-service user interface.
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coverage of US Adults

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Up to 97% approval rate based on data inputs provided

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reason codes available to identify potential fraud

How It Works

The Identity is Evaluated for Authenticity 
Inputs are evaluated and assessed against our proprietary risk assessment model to validate that the information belongs to a real person and is associated with the identity.
Additional Insights are Provided
More information about an identity may be supplied to help determine validity.
A Trust Value is Assigned
Each input is evaluated based on trustability and assigned a value of yes or no.
A Recommendation is Given
Once all inputs are evaluated, a recommendation to approve, review or deny is provided.

Reduce Fraud Losses and Compliance Risks with Digital Identity Verification

Verifying that consumer identities are real and reliable is becoming more difficult as technology evolves. Digital Identity Trust (DIT) helps mitigate your risk using  robust and proprietary data sources, trust logic and recommendation methodology. With DIT, you have the information you need to make the right decisions for your business.

Frequently Asked Questions

DIT can be accessed via the following methods:

  • Direct API
  • Global Batch
  • DIT User Interface
  • InterConnect API
  • InterConnect Batch
  • InterConnect UI
     

DIT has four available add-ons:

  • Regulatory Package
  • Reason Code Extension
  • OFAC
  • Dynamic KBA
     

DIT will provide the following in the response 

  • Y or N trust value for every input received
  • Reason Code text for each input received
  • An overall recommendation of Approve, Review, or Deny based on trustability of all inputs received
     

Yes, DIT can be used to meet  KYC requirements. By adding on the Regulatory Package, Regulatory Package + Reason Code Extension, or OFAC, you will be given additional information to ensure you know the customer.

We have been able to estimate that DIT has coverage of ~99.9% of the US adult population.

Related Resources

White Paper
10 Pages
White Paper
Identity Trust - Your Frontline Defense in the Battle Against Fraud
eBook
eBook
Future of Fraud eBook (Part 1)
White Paper
253 KB
White Paper
Digital Acceleration and the Customer Journey
White Paper eBook White Paper

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