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