DIGITAL IDENTITY

PROVIDER

FOR BUSINESS

IDENTYUM solves your needs for frictionless customer identification, authentication, onboarding, basic and financial data sharing & legally valid document signing – all based on cutting-edge web and mobile components and backend platform.

No friction

Customer is always kept online and in the flow

Customization

Identification process is designed the way you need it

Simple integration API

Digitally transform your channels with minimal IT effort

KEY BENEFITS OF USING IDENTYUM

Fully digital onboarding, signing and authentication

AML & KYC compliant across EU

GDPR compliant

ISO 27001 certified

PSD2 AISP extraction of payment data

eIDAS legally valid signing with no separate hardware

Quick and simple integration using API

Customization to your customer journey

60% lower TCO in 5-year period

FEATURES OF IDENTYUM

IDENTITY VERIFICATION

Automated (self-onboarding) solution for identity check, that uses biometrics and AI, fully compliant with strict KYC and GDPR regulations. Includes ID card proofing check, face match of the person and the ID photo, liveness test and video call with agent if needed.

 

What identity verification includes?

Basic ID Scan

Scan national ID via camera

Adv. ID Scan

Scan national ID hologram via camera

Liveness Test

Check presence via camera

ID with NFC

Read ID data via NFC

Face Match

Compare ID photo vs selfie/camera

Online banking

ID via online banking

Card Scan

Scan ID data from credit card

Video Call

Check presence & ID via video call

PSD2: IBAN Verify

Penny transfer via PSD2:PISP

ID with eID

Read ID data from national eID

Live visit

Confirm ID to live support agent

Social network

Get ID from social network profile

E-SIGNING

Electronic signature software for personal use and businesses to sign pdf documents. It uses advanced eIDAS certificates and qualified eIDAS certificates for ID and signing.

 

What e-signing includes?

AES Certificate

Advanced eIDAS certificate for signing

QES Certificate

Qualified eIDAS certificate for ID & signing

AUTHENTICATION

A process in which a person (on re-arrival) confirms that he or she is the same person who previously performed the identity verification, with the use of authentication factors (which he or she defined during the initial identification and verification of identity). With authentication, a person must verify at least 2 factors (or even 3 factors, if required by the company) for their authentication.

Possible factors are: PIN for Identyum profile, OTP token (email or SMS), Identyum mToken mobile app or face recognition. There must always be at least two of the possible factors while PIN is always one of the factor.

PIN

Always one of the factor

OTP token

Use safety device

mToken

High security level credential on mobile phone

Face recognition

Matching a human face

EXTRACTION OF EXTERNAL FINANCIAL DATA

A process that involves checking the financial identity of the person – IBAN verification, history of the person’s transactions from online banking, prediction of the user’s credit risk, AML checking whether the person is not involved in money laundering, etc.

 

What extraction of external financial data includes?

IBAN Verify

Verify IBAN via online banking

Penny IBAN Verify

Verify IBAN via penny charge

Transaction history

Retrieve transactions via online banking

IBAN scan

Get IBAN from credit card

Transaction scoring

Classify transactions with AI

Capacity scoring

Financial capacity score with AI

Propensity scoring

Purchase propensity score with AI

AML Check

Check PEP, OFAC, UN and other databases

REQUEST A DEMO

DOWNLOAD BOOKLET

Identyum Booklet