Peeling Back
the Layers
The Challenges of Traditional
Identity Solutions
However, today’s identity solutions are often
incomplete and lack the depth of capabilities required
to form this network of data sources and technologies.
Building a full-fledged identity solution can be hindered
by different identity layers, such as:
• Inefficient or unsuited service delivery
• Complex authorization rules and relationships
• Inaccurate or insufficient attribute collection
• Weak or inconvenient authentication
• Lack of coordination and consistency of standards
Often, organizations will address one layer but not
the others. These technologies focus on the method
for establishing identity rather than solving the
problem of how to create the assurance needed for
businesses and consumers to participate confidently
in the digital economy.
This limited view is further compounded by the mosaic
concept of identity. If any of these attributes change,
does the method selected for assessing risk consider
this change?
These problems are difficult to solve because the
attributes that make up identity are always shifting.
Consider identity as a mosaic of unique attributes that
change as individuals change, such as moving homes,
changing names, getting a new job or opening a new line
of credit. Therefore, establishing identity is a moving
target, and adjusting processes for authentication and
verification can help create assurance.
As much as identity evolves, one thing never changes:
prioritizing privacy and security while creating a
frictionless user experience. Consumers want to know
their information is safe and secure, but they also want
to be “remembered” so they don’t have to be validated
every time they interact with an online entity.
A recent survey found that 62% of consumers value
security more when opening accounts than three years
ago. Yet people won’t tolerate pointless friction, either.
To maintain this balance while addressing the problems
of fraud, compliance and digital access, it may be helpful
for businesses to look at a network approach to identity.
A digital identity network leverages hundreds of data
sources and technologies to satisfy these challenges
and create the seamless experience users have come
to expect. A digital identity network also helps fill the gap
created by the internet’s missing identity layer.
Identity Data
Verified Accounts
Devices
Biometrics
Behavior
ID Documents
04
Trulioo — White Paper