Portable Digital Credentials and Digital Equity — ID.me
Summary
A slide presentation from ID.me on portable digital credentials and digital equity. It describes digital equity in terms of access to broadband, digital literacy and similar outcomes for different groups of users, and lists shortcomings of existing data sources, including 45M "credit invisible" consumers. It presents examples of veterans in several countries who verified their identity through a Video Chat pathway after trouble confirming a phone number or credit records. It states that an omni-channel approach moved one demographic from a 23% to a 78% pass rate, and cites a 2,920% increase in identity theft related to government benefits, according to the FTC.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
Cite this document
“Portable Digital Credentials and Digital Equity — ID.me.”
Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/2023-01-13-a30311-d247447-id-me-portable-digital-credentials-93e2b32b1b/
, SHA-256 9e6a03c11ce29d660b85bb87b78a46a33adedb1306567c34481947af80804735.Full text
Veteran example
Portable Transition and employment services
digital
credentials Department Veteran Support
Organizations
of Veteran Affairs
can unlock access
across someone’s
entire “digital life”
Users do not have to re-prove
their identity at each site, as IAL2 Verified
Family support Brands
they would with a point solution services veterans trust
Confidential & Proprietary Information of ID.me 1
What is What makes it
Digital Equity? Hard?
Generally thought of
Systemic factors
in three aspects: Access to Broadband Digital Literacy
most people think of:
1 Ability to access a site or app
2 Similar outcomes
for different groups of users Factors that are Pervasiveness
less-commonly understood: of fraud
3 Similar journeys
for different groups of users Available
languages
But … Existing
systemic
1 Definitions vary data
“traditions”
Shortcomings
gF ield
2 There’s no standardardized metrics of existing data P layin
sources evel
ntaL
Incentives
s p reve
&
llenge
The fair treatment of all individuals and Motivation ha
i ng C
the awareness that not all communities po und
or people start from the same place, Com
is a central to ID.me values
Confidential & Proprietary Information of ID.me 2
Shortcomings of existing
data sources
Incentives and
motivation
● 45M “credit invisible” consumers Analyzed
Shortcomings Pass rates for
of existing data in the U.S.1, making traditional this step
vulnerable Overall U.S.
population
sources solutions like data brokers and
credit bureaus ineffective.
Existing systemic data Financial
“traditions”
Records
56% 91%
● This disproportionately impacts
less affluent people and
Available languages
minorities (Black and Latino 1:1 Selfie
99% 99%
households represent 64% of Match
Pervasiveness of fraud country’s unbanked households2 )
*ID.me sampled ~90k users in a specific vulnerable population over a
4-month time period who attempted verification with ID.me at IAL2 +
Liveness. This population was compared to the overall population of users Confidential & Proprietary Information of ID.me 3
at a government agency
Veterans with thin credit and veterans living overseas were the first of over
5 million+ individuals for whom a Video Chat pathway has enabled access to services
47 y.o. Veteran in UK
39 y.o. Veteran in the U.S. was able to verified after trouble confirming
verify after credit records were incorrect international phone number 70 y.o. Veteran in South Korea
stating he was under 18 y.o. verified after trouble confirming
56 y.o. Veteran in the U.S. international phone number
with outdated financial
records due to relocation
59 y.o. Veteran in Germany
verified after trouble confirming
34 y.o. Veteran in the U.S.
international phone number
with no credit history 37 y.o. Veteran in Puerto Rico
accessed benefits after trouble
confirming phone number
18 y.o. Veteran Dependent in the
U.S. with no credit history able to 81 y.o. Veteran living in Japan
have GI Bill Benefits transferred 30 y.o. Veteran and military spouse in accessing benefits to support his wife
Italy verified after trouble with confirming through battle with Alzheimer's
international number
68 y.o. Veteran in the U.S. with 73 y.o. Veteran in Panama unable to
frozen credit file able to access his confirm phone number was able to
benefits and services verify and access benefits 78 y.o. Veteran in Australia joined
a session at 3 AM to verify and
access urgent benefits
5M+
An omni channel approach enables organizations to “level the playing field” for Confidential & Proprietary Information of ID.me 4
vulnerable demographics; one demographic went from 23% to a 78% pass rate
2,920%
increase in identity theft
Pervasiveness related to government
of fraud benefits, according to FTC
Incentives and
motivation
● For each fraudster that effectively
steals an identity and makes a
Shortcomings of existing
data sources claim on benefits with that identity, $0 – $2
there is a legitimate user who will the cost of a social
Existing systemic security number on the
data “traditions”
be blocked or have a hard time
claiming benefits dark web
Available languages ● Successful fraud is one of the most
equity-degrading things that can
Pervasiveness
of fraud
happen to an agency
$1,000+
The cost of a hacked
● This makes strong controls
eBay account with a
imperative good seller rating
Confidential & Proprietary Information of ID.me 5
Source: FTC Consumer Sentinel Data Book 2020, Identity Theft Resource Center and Pew Research
Omni-channel is critical – you can have
1 access and security without compromise
Everyone is different; everyone has unique
challenges; the best way to “meet people where
they are” is by offering multiple pathways.
So what
Users value choice
lessons learned 2 Consumers want the ability to choose
whom they trust and how they verify
can ID.me share in our experience increasing
digital equity across public and private sectors?
Consider equity across someone’s
entire digital life
3 The power of portable credentials is that ability to
safely and securely grant access to other benefits
and services from a single proofing event
Confidential & Proprietary Information of ID.me 6
File and source
- File
- 2023-01-13_a30311_d247447_id-me-portable-digital-credentials.pdf
- Size
- 850,571 bytes
- SHA-256
- 9e6a03c11ce29d660b85bb87b78a46a33adedb1306567c34481947af80804735
- Original
- No public link identified.