Vendor analysis

For each of the evaluated vendors, we have done our best to provide accurate information through a combination of research and conversations with company representatives. This section of the document summarizes some of the more important vendor differences to inform your decision making. For all the details, see the appendices:

Appendix I: Vendor evaluation of key considerationsAppendix II: Vendor Evaluation of Supplemental Considerations

Vendor overview

Vendors Evaluated

Name, website, and last date updated in this document	Headquarters	Founded	User Base	Best for
Alloy https://alloy.co 12/3/2020	New York, NY	2015	Financial services, banking	KYC/AML compliance, fraud prevention
Cognito https://cognitohq.com 11/30/2020	Palo Alto, CA	2014	Financial services and marketplaces	KYC compliance; address and age verification
Ekata https://ekata.com 12/2/2020	Seattle, WA	2012	Online lending, retail banking, ecommerce and marketplaces	Identity records for dynamic PII
Experian https://www.experian.com 12/2/2020	Dublin, Ireland	1996	Government partners, financial services, online lending	KYC compliance, fraud prevention, identity records
ID.me https://id.me 5/4/2021	McLean, VA	2010	Government partners, retail, online healthcare	Identity records
Idemia https://www.idemia.com 5/4/2021	France	2007	Government partners	Identity records
IDology https://www.idology.com 11/17/2020	Tallahassee, FL	2003	Financial services, banking, retail	Identity and age verification
SentiLink http://sentilink.com 11/25/2020	San Francisco, CA	2017	Retail banking, credit card issuers, all types of lenders, and fintech	Synthetic fraud detection & analytics
Socure https://www.socure.com 12/11/2020	New York, NY	2012	Retail banking, credit card issuers, and remittance providers	Fraud scoring and analysis

A federal alternative: Login.gov

There is an identity proofing vendor that falls outside of the scope of this document, but that is likely to be of interest to readers: Login.gov, provided by the federal government. The single-sign-on service was launched by the General Service Administration in 2017, providing two-factor authentication, fraud detection, and Identity Assurance Level 2 (IAL2) under NIST-800-63A. It was initially available only to federal agencies, with a FedRAMP Moderate ATO, with customers including the Department of Defense, the Department of Homeland Security, the Department of Energy, and the Department of Transportation. At the end of 2020 they were granted permission by the White House Office of Management and Budget to accept state agencies as customers.

Login.gov is not a drop-in identity proofing vendor. They perform identity proofing, but only as a component of a user registration process within Login.gov. For employment agencies to use Login.gov for identity proofing, they need to replace their entire authentication flow with Login.gov, integrating it via OAuth 2.0 or SAML.