An electronic, risk-based approach to validate and verify your customers, Experian Identity Authentication can capture, check and validate your customer's address and identity in just a few seconds.

This prevents your organisation from the risk of fraud and speeds up the customer validation process, increasing customer satisfaction.

Identity Authentication:

• Improves efficiency and customer service
• Reduces risk of fraud and revenue loss
• Is quick and easy to implement
• Assists you with meeting legislative and regulatory compliance

Experian has developed 'Identity IQ', an innovative form of identity management for customers who are looking to drive higher authentication rates and support the need for continued re-authentication whilst reducing the risk of identity fraud and account takeover.

Providing an additional electronic verification and security enables:

• A reduction in fraud and error
• An Interactive questioning technique to provide high levels of identity assurance
• Higher confidence in the identity of the individual

Offer fast and flexible re-authentication for better customer service

• Better consumer experience for occasional transactions (e.g. online banking transfer). No need for the consumer to remember passwords or carry a token
• Provides real-time confidence in identity
• Enables migration to more cost effective channels such as online

How does it work?

Experian Identity IQ provides electronic verification and security by asking customers questions randomly generated from a pool of over 80 examples. These questions call on Experian's vast set of current and historical data that only the individual would know the answer to.

This innovative form of identity management is ideal for organisations looking to drive higher authentication and support the need for continued re-authentication.

• Have confidence in the identity of every individual
• Reduce the risk of identity fraud and account takeover
• Onboard customers quickly
• Retain customers through fast and efficient customer service

Verifying identities can be a complex and challenging task, yet consumers are increasingly demanding an instant response to applications and transactions. Experian Identity Document Check undertakes a fully automated check within seconds, providing a clear indication of the validity of identity credentials; it provides a fast and effective solution to the problems of manually authenticating identity documents.

Identity Document Check rapidly scans documents for inconsistencies with a robust checking process that includes verifying a number of features. Within seconds, the system provides an assessment of the validity of the credentials.

Features include:

• Visual check - checks the layout and content of the document
• Ultraviolet light check - checks the features of the document exposed by ultraviolet light e.g. a document watermark.
• Infrared light check - checks the correct existence of infrared ink
• Chip read - opens the chip on an eDcoument e.g. Passport, exposes the photograph and reads the data
• Algorithm check - reads the MRZ and undertakes the appropriate algorithm check
• Data integrity check - compares the data on the surface of the document with the associated data in the MRZ and from the chip (where appropriate)

Benefits of Identity Document Check

• Turns a subjective manual practice into an automated subjective process.
• Saves time over a manual check
• Provides a more robust assessment
• Provides confidence for management and customer-facing employees in the accuracy and security of the verification process
• Ensures safeguarding - the audit gives visibility of checks, which can be demonstrated to regulators

Experian Identity Voice Check verifies your existing customers using sophisticated biometric voice recognition. Creating an efficient and secure biometric authentication system.

Verification of existing customers can be a time-consuming and expensive process. Organisations have to balance customer expectations with security, efficiency and customer service. Experian offers a unique answer to this challenge; Identity Voice Check.

Experian Identity Voice Check is designed for organisations that handle repeat business from their customers and employ manual verification to establish that they are dealing with the same person.

Identity Voice Check replaces the time-consuming manual verification process with a fully automated system. Using individual voice biometric data, Identity Voice Check can authenticate customers by confirming that 'today's' voice print matches with the individual's previously registered voice print.

Benefits include:

• Increased efficiency- enables the identity of callers to be automatically and securely authenticated in a matter of seconds. Replacing manual verification processes
• Improve customer service - allows for a populated screen of a customer's data to be displayed on a work station, which is synchronised with the receipt of the call
• Prevent Fraud - organisations can demonstrate and promote a proactive approach to ensuring that their customers' identities are protected
• Integrated deployment - Identity Voice Check can be seamlessly integrated into existing operations

Identity Process Optimisation allows you to gain an impartial and comprehensive assessment of your current authentication processes. This will help you to recognise areas for improvement and reduce drop-off rates at point of acquisition.

"Our goal is to provide expert support, consultancy and innovation. We aim to continually evolve and develop the services we offer you, so you can make the most of identity verification."

Michael Rhodes, Professional Services Manager - Identity and Authentication.

Our experience as Consultants has clearly shown that an effective authentication audit is essential to the development of an effective customer acquisition strategy.

As a result, authentication analysis forms a key part of the way we work with our customers. A sound, in-depth audit will provide a solid basis for any subsequent strategic development.

That's why we've developed Identity Process Optimisation:

• Identify areas that are exposing your organisation to risk
• Improve an existing authentication strategy
• Maximise current investment in Electronic Identity Verification
• Strengthen influence at board level
• Impartial assessment of your current authentication practises
• Minimise drop-offs at point of sign-up

To arrange a free initial analysis of your current processes then please e-mail us directly.

Because organisations need to keep up to date with changing customer activities as part of your Know Your Customer (KYC) processes, regular authentication of your existing customer base should be adopted. Experienced consultants at Experian can run a bulk identity check, in house, against your customer database. This bulk processing of your records can be tailored to your requirements. Including:

• A full identity authentication against a range of data sources
• A check against Sanctions and/or PEP (Politically Exposed Person) data
• A check against mortality files

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