Since 2001, Integrity has focused on providing KYC and preventing underage access to electronic services in sectors such as Financial Services, iGaming, crypto, tobacco, alcohol, and adult entertainment. We provide an orchestration approach to KYC and identity, to combine core data strength (Integrity IDV) with automated document and biometric analysis (Integrity AutoDoc), and real-time anti-fraud signal analysis (Integrity IdentityRep).
Integrity Orchestration ties all of Integrity’s solutions together into a waterfall approach of KYC and anti-fraud services. This orchestration layer enables a reactive identity infrastructure that layers affirmative KYC data with real-time fraud signals.
For example, if you are onboarding a client that is found with a “likely fraud” Integrity IdentityRep score, they could be directed to have a more stringent Integrity AutoDoc or even an Integrity Face-to-Face interaction. Similarly, if the Integrity IdentityRep score was at the very lowest level Integrity IdentityRep score, they could be allowed a more lenient and lower friction onboarding flow.
Integrity Orchestration also allows for different workflows by country or by product through the use of individual site IDs which execute different business or compliance rules.
Integrity IDV-Direct is a SaaS-based platform that verifies the identity and age of online users and visitors with a comprehensive range of services including databases and government-issued IDs for citizens of 135 countries. The platform operates in real-time and complies with international age verification laws and guidelines, covering over 3.4 billion citizens worldwide and ensuring transactions are protected against fines for underage sales, with cost-effective pay-per-match pricing.
The platform is available through a single API allowing for an integrate once, use anywhere approach, and is combined with several external gateways to deliver a best-of-class verification solution, leveraging global data for real-time verification, combined with a “no-match, no cost” approach. Finally, you can customize the approach to determine what is an acceptable verification, allowing for a less stringent identity verification structure when data may not be readily available, or a more stringent identity verification structure when required, such as government regulations.
Integrity IdentityRep is an orchestration platform for anti-fraud that offers an integration of multiple partners into a single anti-fraud architecture, leveraging device biometrics, social engagement, and anti-fraud identity networks to best categorize likely fraud users at onboarding. Integrated alongside Integrity IDV-Direct, it extends real-time signals and identity scoring into the verification process.
IdentityRep connects a consumer’s real-life information, such as name, address, and date of birth, with their device and internet interaction and behaviour. Quantifying identity fraud by using real-time anti-fraud signals is the best way to reduce the impact of deep-fake identity fraud, right at the beginning of the customer journey. How a person interacts with their device, how they have developed social identities elsewhere on the web, or how they may have created fraud on other sites on the internet are active elements in evaluating the validity of the customer. We believe that over time, these multiple identity points will be even more valuable in an AI-directed environment. This is the direction Integrity is evaluating for growth, tying real-time signals and PII database information together.
Integrity AutoDoc is a document and biometric onboarding and verification orchestration platform. Through a single API or SDK interface structure, you can choose from multiple leading electronic document and biometric technologies which include Incode, Jumio, and Veriff.
This approach supports the deployment of multiple technology options, for example to address the challenge of regional geographical nuances, customers can select the most suitable solution for different geographies to optimise performance. This flexibility requires no additional programming, as delivery and response are standardized through AutoDoc.
You can also utilize our waterfall approach. For example, if one technology provider cannot meet your performance requirement then it can be automatically switched to a second or third-order technology, with no additional development required. In the future, if a new technology enters the market that offers more functionality or better performance, then it can be easily added to the AutoDoc platform, and clients will have access to the new technology with no additional programming required.
Integrity Document is a manual review component service adjunct to Integrity AutoDoc, although some of our clients use it directly. Integrity Document allows agents to efficiently analyze documents and score them by comparing them with digital copies of that ID in a side-by-side scoring module. Having a standardized technical system for manual review allows for internal testing of agent performance and continual learning in document review best practice.
Many of our clients perform manual document reviews in-house, however, some do have a systematic and technical environment to conduct manual reviews. Integrity Document provides that technical system, with trained agents who are tested regularly to find potential fraud in document review and identity verification.
Integrity Face-to-Face uses secure video streaming to capture real-time photos for identity verification. The system integrates video technology, independent data verification, and two-factor authentication, rapidly responding to high-risk transactions. It is suitable for in-store processing, call centers, and online applications.
Integrity Face-to-Face is a live interaction between an Integrity agent and the consumer where the identity process mimics an in-person verification, with the addition of a fully documented approach. This process has been positively reviewed by the KJM in Germany to meet onboarding into a closed-user group.
Integrity AML is part of all Integrity services or as a stand-alone product. Integrity AML checks against SSN dead rolls, OFAC, DFAT, UK HM Treasury, DEA, LEIE, Interpol, and numbers of other global financial watch lists. Integrity also checks for Politically Exposed Persons (PEP) that may need to be tracked and provides a real-time flag and access to PEP information in the back office to determine true hits or false positives.
Integrity Quiz integrates question-based authentication, leveraging KYC-compliant personal information for verification. It utilizes voter data to create diverse questions and offers customizable time and velocity constraints. The system also screens against financial watch lists and politically exposed persons across multiple databases for compliance and integrity.
Integrity offers two capabilities of KBA options, one in-house and another using Equifax’s credit resources to extend the out-of-pocket assets available to leverage. This flexibility enables Integrity clients the option to select different levels of quiz generation relative to the risk scenario they may be facing in the on-boarding of their customers.