Appendix I: Vendor evaluation of key considerations

For more information on each of the considerations, please see Key Considerations.

For some of the vendors, the answer is “unknown,” and we continue working to try to find that information. For ease of reading on a variety of screen sizes, the evaluation is split into two charts:

Part 1

Pricing

UX at account creation

Backlog management

Alloy

Unknown

Step-up process:

- API for PII collection

- UX for doc verification

- Has batch API to check PII

- UX for doc verification

Cognito

$0.70 - $0.99 / verification

API for PII collection

Has batch API available but won’t be able to verify phone number

Ekata

$0.10 - $0.25 / query

API for PII collection

No batch API to check PII

Experian

$0.10 - $0.25 / query, plus $2,500 or $6,500 set-up fee based on implementation detail

Step-up process:

- API for PII collection

- UX for doc verification

- UX for UI agents to input info provided via phone

- Has batch API to check PII

- UX for doc verification

ID.me

$4.00 / verification; $2.00 for subsequent years’ renewal

- Complete UX for PII collection and doc verification

- UX for PII collection and doc verification

Idemia

$2.50 to $5.50 / verification

Step-up process:

- API for PII collection

- UX for doc verification

- Has batch API to check PII

- UX for doc verification

IDology

Unknown

Step-up process:

- API for PII collection

- UX for doc verification

- API for PII collection

- UX for doc verification

SentiLink

~$0.25 / verification

API for PII collection

Has batch API to check PII

Socure

Mid-to-high single digit cents / PII query; add’l $1/query for doc verification

Step-up process:

- API for PII collection

- UX for doc verification

- API for PII collection

- UX for doc verification

Part 2

Identity proofing methods (and product names, if applicable)

Data sources

Alloy

Highly configurable: KBV, 2FA, synthetic identity detection (including looking at device “fingerprinting” and IP address), document verification, biometric verification

Partnerships with 65+ data vendors including ones we have or will evaluate: Acuant, Iovation from TransUnion, Ekata, Socure, Cognito, Sentilink, and IDology

Cognito

- Cognito Identity Verification Service: 2FA, synthetic identity detection

- Blocksore product: 2FA, synthetic identity detection, KBV

Credit bureaus and public data sources

Ekata

Synthetic Identity Detection

Public data sources -- does NOT check SSN

Experian

Experian PreciseID: Synthetic Identity detection, KBV, 2FA

Experian Identity Proofing: Document verification, biometric verification

Credit file info; SSA Death Master File; marketing data; Motor vehicle info from auto dealerships and DMVs; public data sources

ID.me

Synthetic identity detection, document verification, biometric verification

Credit bureaus, SSA Death Master File, telco records, public data sources

Idemia

Idemia Proof: Synthetic identity detection, document verification, biometric verification

Credit file info; DMV database; "Systems of record"

IDology

ExpectID: Synthetic identity detection

ExpectID IQ: KBV, synthetic identity detection

Document Scan Solution: both document verification and biometric verification

Motor vehicle info, voting record, creditor information, utility bills

Have “Consortium Fraud Network” for additional commercial sources

SentiLink

Synthetic identity detection

Credit bureaus, utility data, SSA Death Master File, selective service information

Socure

KYC identity verification module & Sigma Fraud products: synthetic identity detection

DocV product: both document verification and biometric verification

Credit bureaus, utility data, telco, public data sources

Contents
Part 1
Part 2