Gwirio Gwirio
Solutions

Identity & Onboarding

Know who you are dealing with

Gwirio helps organisations establish and verify the identity of customers, users, sellers, partners and other people they need to deal with.

Identity verification does not have to mean collecting and storing more personal information.

Gwirio can obtain verified information from authoritative sources and provide the organisation with the confirmation it needs, without necessarily exposing all of the underlying personal information.

As additional verified certificates are established for the same person, Gwirio can build a stronger body of evidence around that identity and provide a trust assessment appropriate to the decision being made.

Why

Organisations repeatedly ask people to prove who they are.

A customer may verify their identity when opening a bank account, again when signing up for an insurance product, again when joining a marketplace and again when accessing another digital service.

Each organisation may independently collect identity documents, contact details and other personal information, then store copies in its own systems.

This creates friction for the person and additional data, cost and risk for the organisation.

There is also a limitation to treating identity as simply “verified” or “not verified.”

A person can have a verified identity while other important questions remain unanswered:

Is this person associated with the account?

Is this their mobile number?

Is this their device?

Is this organisation authorised to act on their behalf?

Is there other independently verified information supporting the identity?

Can the identity be relied upon for the particular decision being made?

Gwirio helps organisations move beyond a single identity check towards a broader, evidence-based view of identity.

What Gwirio provides

Gwirio can establish and maintain verified certificates relating to a person and their relevant relationships. These can include:

Identity

Confirmation of who a person is from an authoritative source.

Contact information

Verified relationships between a person and relevant contact details.

Accounts

Confirmation that a person has an established relationship with an account or service.

Mobile devices and numbers

Verified relationships between a person, mobile number and device.

Organisations

Confirmation of an individual's relationship with an organisation.

Authority and relationships

Evidence that a person is authorised to act for an organisation or is associated with another verified entity.

Other attributes

Additional information that is relevant to the organisation's onboarding or risk decision.

From identity verification to identity confidence

A single identity certificate provides one piece of evidence.

Gwirio can establish multiple certificates relating to the same person and connect the verified relationships between them.

For example:

Verified identity

Verified mobile number

Verified account relationship

Verified device

Other relevant evidence

This creates a stronger basis for determining how confidently an organisation can rely on that identity for a particular purpose.

Gwirio can therefore provide a trust assessment for an identity based on the verified evidence available.

This should not be treated as a permanent score attached to a person.

The relevant question is:

Can this identity be trusted for the decision we need to make, based on the evidence available?

How it works

Establish the identity
The identity is verified through an appropriate authoritative source.
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Create the certificate
Gwirio records the verified assertion and the relevant evidence, conditions and validity.
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Add verified relationships
Additional certificates can establish relationships with accounts, devices, organisations and other relevant attributes.
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Assess the evidence
Gwirio can use the available verified evidence to provide a stronger trust assessment appropriate to the use case.
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Use the result
The organisation uses the verified identity or trust assessment within its existing onboarding, authentication or risk process.
Verify→Certify→Build evidence→Assess→Decide

What value does this provide?

Reduce onboarding friction

People do not need to repeatedly provide the same information to different organisations where trusted verification can be reused.

Improve identity assurance

Move beyond a simple identity verification result by considering multiple independently verified relationships and attributes.

Reduce unnecessary data collection

Obtain confirmation of relevant facts without automatically copying all of the underlying personal information into another organisation's systems.

Reduce duplication

Organisations do not each need to independently establish information that another authoritative organisation already knows.

Support better risk decisions

Identity evidence can be combined with other trusted information when deciding whether to onboard a customer or allow an action.

Create better evidence

Maintain an auditable record of what was verified, by whom, when it was verified and the conditions under which it can be relied upon.

Where it can be used

Financial services

Verify customers during onboarding and establish additional relationships relevant to financial risk.

Mobile services

Establish identity and the relationship between a person, mobile number and device.

Insurance

Verify customers and relevant attributes while reducing unnecessary duplication of personal information.

Marketplaces

Establish trusted identities for buyers and sellers and reduce anonymous or synthetic accounts.

Social platforms

Provide a way to establish whether an account is associated with a verified person without requiring every platform to independently hold all identity information.

Business onboarding

Verify organisations, representatives and authority to act on behalf of a business.

Digital services

Provide reusable identity evidence across services where appropriate and authorised.

Start with an onboarding problem

Gwirio can work with an organisation to identify a specific onboarding or identity problem where independent verification could improve the process.

A pilot can establish:

  • what needs to be verified;
  • which organisation is authoritative for that information;
  • what information actually needs to be shared;
  • what certificates should be created;
  • how additional verified evidence can strengthen identity assurance;
  • how the result integrates with the existing onboarding process; and
  • how the improvement will be measured.

The objective is not simply to verify another identity.

It is to establish enough trusted evidence for the organisation to make a better decision, while reducing unnecessary collection and duplication of personal information.

Discuss an identity & onboarding pilot