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Appendix I: Vendor evaluation of 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:
| 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 |
| 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 |