Yearly Archives: 2025

Statement on Canada-EU Digital Credentials and Trust Services MOU: International Alignment Benefits From Domestic Coordination

December 12, 2025

DIACC welcomes Canada and the European Union’s commitment to collaborate on digital credentials and trust services, formalized through the December 8 memorandum of understanding. International alignment matters deeply—for Canadian economic competitiveness, for secure cross-border transactions, and for ensuring our citizens can participate fully in the global digital economy.

This announcement comes after more than a decade of DIACC advocacy for precisely this kind of strategic partnership. The urgent question now is how quickly this international momentum can catalyze the domestic coordination needed to put economic growth and Canadian competitiveness at the centre, while ensuring privacy and security are foundational to design. 

Canadians and their businesses need interoperable digital public and private infrastructure working for them at home now. Every day of delay costs our economy opportunity, competitiveness, and the trust dividend that secure, privacy-respecting verification systems deliver.

Domestic Coordination Enables International Opportunity

Mutual Recognition at Home
Canadians must experience mutual recognition across our own borders with urgency. A business credential recognized in Ontario must work in British Columbia. A professional verification issued in Quebec must be valid for Alberta workers. A digital credential from Nova Scotia must enable service access in Saskatchewan.

Quebec’s recent adoption of Bill 82 demonstrates provincial leadership in digital identity legislation. British Columbia’s Connected Services initiative, built on the Service Card, demonstrates jurisdictional innovation in action. These achievements are significant, and they underscore the urgent need for interprovincial mutual recognition that respects jurisdictional sovereignty while enabling seamless digital trust across Canada.

Economic Imperative Spans All Sectors
Digital credentials must work seamlessly across both public and private sectors, respecting both jurisdictional authority and market needs. Canadian businesses, especially small and medium enterprises, need trusted digital verification capabilities that reduce friction, prevent fraud, and enable growth regardless of which jurisdiction issues or validates credentials.

Implementation must explicitly address how banking, telecommunications, healthcare, professional credentialing, and supply chain sectors can participate. These are multi-jurisdictional challenges requiring coordinated solutions, not top-down mandates.

Federal Collaboration
The federal government has specific authorities in international trade, border management, federal services, and specific regulatory domains. Within this scope, federal action matters enormously, particularly in negotiating mutual recognition agreements that open international markets for Canadian credentials and businesses.

Equally important: the federal government can convene, facilitate, and invest in tools that enable coordination without dictating implementation. The DIACC’s public and private sector Pan-Canadian Trust Framework offers exactly this approach—a consensus-based framework that provinces, territories, Indigenous governments, and private sector participants can adopt voluntarily now while maintaining their respective authorities.

What Canadians and Their Businesses Need Now

For international alignment to deliver tangible benefits, Canada’s jurisdictions and sectors must demonstrate:

  1. Interprovincial and sectoral interoperability commitments that make credentials portable across Canadian borders
  2. Multi-stakeholder governance models where provinces, territories, Indigenous governments, industry sectors, and federal authorities coordinate as partners, not hierarchies
  3. Standards adoption that leverages existing frameworks like the PCTF to reduce regulatory fragmentation while respecting jurisdictional sovereignty
  4. Economic impact focus showing how mutual recognition, domestic and international, creates opportunities for Canadian businesses, workers, and communities
  5. Transparency and concrete implementation timelines with clear accountability distributed across appropriate authorities

Impactful Progress Happens Through Coordination

Since 2012, DIACC has advocated for a digital trust infrastructure that prioritizes economic growth and respects Canada’s federal structure while enabling seamless verification capabilities across jurisdictions and sectors. Progress is happening: Quebec’s new legislation, BC’s service transformation, Ontario’s legal sector achievements with 700,000+ digital verifications, and growing private sector adoption all demonstrate momentum.

What’s needed now is coordination mechanisms that connect these provincial initiatives, enable interprovincial recognition, align with Indigenous data sovereignty principles, and position Canadian credentials for international mutual recognition. The federal government’s international agreements, like this MOU, create valuable opportunities. Domestic coordination makes those opportunities accessible to Canadians everywhere.

This MOU represents progress toward international alignment. The more complex work remains: achieving the domestic interoperability that makes international mutual recognition practically valuable. Every jurisdiction has a role. Every sector has expertise to contribute. Every delay in coordination represents lost economic opportunity and continued inefficiency across both government and commercial services.

Canada has world-class expertise, proven frameworks like the PCTF, provincial leadership in implementation, and strong private-sector innovation in digital trust services. We have the components needed for success. What we need is a sustained, coordinated commitment across jurisdictions and sectors to make these components interoperable and to ensure all Canadians and businesses can benefit.

DIACC stands ready to support coordination, as Canada’s longest-standing, largest, and most diverse forum focused solely on digital trust and verification. We will continue to contribute through our expertise, our membership ecosystem spanning public and private sectors across all regions, and our commitment to advancing digital trust that serves Canadians in all aspects of their lives—public, private, and economic.

Joni Brennan
President, DIACC

The DIACC 2025 Annual Report

2025 marked a turning point: digital trust moved from concept to operational reality. Three developments proved DIACC’s value as a neutral convener:

1. Scalable Evidence

Canada’s legal sector processed 700,000+ client IDV transactions, proving digital trust works at enterprise scale in highly regulated environments. This isn’t pilot data – it’s production, and it’s positioned Canada as a global early adopter.

2. Certification Maturity

Treefort and FCT achieved PCTF Verified Person certification. Outlier became Canada’s first DIACC-accredited auditor, expanding ecosystem capacity. The PCTF Legal Professionals Profile transformed practices into auditable standards.

3. Policy Influence

We submitted comprehensive Federal Budget recommendations, shaped AI Strategy consultations, and influenced Canada-EU Digital Trade discussions. Quebec’s Bill 82 and BC’s Connected Services initiative demonstrate provincial leadership aligned with DIACC principles.

The Urgency is Clear

AI-generated fraud and misinformation threaten economic stability. DIACC’s work has never been more critical. Our new Canadian Digital Trust Adoption Dashboard provides unprecedented transparency into provincial programs. Our partnership with the SIROS Foundation positions Canada to leverage credentials for cross-border labour mobility.

These accomplishments were possible through your expertise, dedication, and collaborative spirit. As we look ahead, the gap between leading jurisdictions and emerging markets creates pathways for growth. The global identity verification market is growing at a 16.7% CAGR.

Canadian providers are positioned to capture this opportunity—if we maintain momentum.

Download the report here.

DIACC-Annual-Impact-Report-2025

Spotlight on EEZE

1. What is the mission and vision of EEZE?

Mission:
EEZE is dedicated to helping the automotive industry prevent and deter fraud and identity theft, protecting dealerships, lenders, and their valued customers.

Vision:
Our vision is to create a trusted automotive ecosystem where secure, worry-free transactions are the standard, empowering businesses and consumers alike.

2. Why is trustworthy digital identity critical for existing and emerging markets?

Digital trust and identity verification are critical because identity fraud is becoming increasingly sophisticated and pervasive. Criminals are now leveraging state-of-the-art technologies, including AI, deepfakes, and automated bots, to manipulate personal data, create synthetic identities, and bypass traditional security measures. In both existing and emerging markets, this threatens consumers, businesses, and financial institutions by facilitating fraud, financial loss, and erosion of trust. Robust digital identity verification is essential to ensure that individuals and organizations can transact securely, prevent fraud, and maintain confidence in the digital economy. Moreover, Verification platforms should give consumers clear control and trust over how their data is shared and stored.

3. How will digital identity transform the Canadian and global economy? How does your organization address challenges associated with this transformation?

Digital trust and identity verification are transforming the Canadian and global economy by enabling secure, transparent transactions and reducing fraud. In an ever-evolving world, where fraudsters have access to the latest AI and sophisticated technologies, it is critical to have the right checks and balances. Organizations like EEZE must continuously adapt to emerging threats, ensuring robust verification and protection for consumers, dealers, and lenders alike

EEZE tackles this by continuously enhancing our system with additional layers of identity verification, validating individuals, vehicles, and transactions to protect consumers, dealers, and lenders from fraud and identity theft. Customers using EEZE have clear control over how their data is shared and stored. By building trust into every transaction, we help create a safer, more efficient digital economy.

4. What role does Canada have to play as a leader in this space?

Canada can lead in digital trust and identity verification by setting high standards for security, privacy, and innovation. By supporting organizations like EEZE and promoting robust verification practices, Canada can reduce fraud, build global confidence in digital transactions, and serve as a model for secure digital identity solutions worldwide.

5. Why did your organization join the DIACC?

EEZE joined DIACC because a governing organization like DIACC provides a platform for collaboration across the industry. By bringing together vendors, competitors, and stakeholders as a collective braintrust, together with DIACC, it will foster the development of innovative solutions that enhance security, strengthen digital trust, and combat fraud on an industry-wide scale.

6. What else should we know about your organization?

EEZE is a hyper-focused, customizable platform tailored for the automotive industry. We envision a solution where all vendors in this space can collaborate to stay ahead of identity theft and fraud by securely sharing information through a centralized “Citadel.” This is a project we aim to launch in late 2026, and we believe DIACC and its members could greatly benefit from participating.

From Trust to Growth: The Business Case for Digital Client Verification in Open Banking and Lending

The Digital ID and Authentication Council of Canada (DIACC) convened an industry workshop in Montreal focused on exploring the business case for digital trust in open banking and lending. The session brought together stakeholders from government, financial services, technology providers, and legal sectors to examine how digital client identity verification (IDV) can drive measurable value while mitigating fraud and enabling growth.

Three Core Themes Explored

Participants explored three core themes:

  • quantifying fraud prevention and risk mitigation, converting trust into business growth
  • leveraging digital trust
  • verification as a strategic competitive advantage

The discussions revealed strong consensus around treating digital trust and verification as critical infrastructure rather than compliance overhead, while highlighting the need for business-problem-solving standards and clearer metrics to demonstrate return on investment.

Key Outcomes

Key outcomes included recommendations to develop shared metrics for fraud prevention, prioritize frictionless user experiences, and position Canada’s regulatory framework as a global differentiator in digital trust ecosystems.

Recommendations on quantifying fraud prevention and risk mitigation, converting trust into business growth

  • Develop Shared Industry Metrics: Create standardized measurements for fraud avoided and efficiency gained that can be adopted across sectors to enable meaningful benchmarking.
  • Lifecycle Cost Analysis: Conduct thorough build-versus-buy assessments that capture total lifecycle cost benefits, including both direct and indirect savings from fraud prevention.

Recommendations on leveraging digital trust

  • Prioritize Frictionless Experience: Treat user experience as a measurable growth driver with dedicated metrics and executive accountability.
  • Capture Drop-off Metrics: Implement comprehensive tracking of conversion drop-off points and onboarding speed to identify improvement opportunities.
  • Enable Cross-Sector Data Sharing: Encourage secure data sharing frameworks that expand market access to underserved populations, including underbanked individuals and newcomers to Canada.

Recommendations on verification as a strategic competitive advantage

  • Leverage Regulatory Credibility: Position Canada’s strong regulatory environment and institutional trust as a global differentiator in digital trust and verification markets.
  • Build Cross-Sector Alignment: Develop consensus around reusable, standards-based identity systems that work across industries and use cases.
  • Frame IDV as Revenue Enabler: Communicate digital trust and verification as a driver of new revenue streams, product innovation opportunities, and enhanced international competitiveness rather than simply a cost center.

Download the report here.

Fall-2025-ROI-Roundtable-Summary_ENG

Statement on Bill C-8: Strengthening Cybersecurity While Preserving Digital Trust

November 12, 2025

Bill C-8 establishes the Critical Cyber Systems Protection Act (CCSPA) and enhances federal oversight of telecommunications to protect Canada’s critical infrastructure from cyber threats. DIACC recognizes the urgent need to protect vital systems underpinning our digital economy while maintaining the trust foundations essential to Canada’s prosperity.

Key Provisions

Bill C-8 establishes mandatory cybersecurity obligations for designated operators in telecommunications, banking, energy, transportation, and nuclear sectors:

  • Cybersecurity programs are required within 90 days, with annual reviews
  • Incident reporting to the Communications Security Establishment within 72 hours
  • Supply chain risk management and record-keeping in Canada
  • The federal government may issue confidential, binding directions without prior consultation
  • Penalties up to $15 million per violation for organizations

Critical Considerations

Encryption and Privacy Protections
Provisions grant broad powers to direct telecommunications providers “to do anything or refrain from doing anything.” The Privacy Commissioner noted Bill C-8 could result in the collection of subscriber information, communication data, metadata, and location data. The Intelligence Commissioner questioned whether warrantless seizure of information can be constitutionally justified.

Technical experts warn these powers could require weakening encryption standards. Encryption is foundational infrastructure for digital trust, protecting financial transactions, healthcare communications, and secure authentication systems that enable digital identity solutions.

Transparency and Accountability
The bill authorizes confidential directions without requiring consultation with affected operators or notification to the privacy oversight body. The Privacy Commissioner recommended that government institutions notify his Office of cybersecurity incidents involving material privacy breaches. The absence of privacy impact assessment requirements represents a significant safeguard gap.

Interoperability and Standards
Cybersecurity measures should align with frameworks, including DIACC’s Pan-Canadian Trust Framework (PCTF), which provides consensus-based protocols for digital identity and authentication. Consistency between federal cybersecurity requirements and provincial privacy regimes is essential for seamless digital services and interprovincial trade.

Economic Impact
Limited implementation detail exists, with specifics deferred to future regulations. The absence of exemptions for organizations with mature cybersecurity protocols and the lack of financial incentives for proactive investments may disproportionately impact small and medium enterprises. Requirements diverging from international standards could affect Canada’s competitiveness as a trusted destination for digital business.

DIACC’s Recommendations

DIACC encourages policy frameworks that:

  • Strengthen security without compromising privacy: Preserve encryption standards and privacy-enhancing technologies, enabling trusted digital interactions
  • Promote transparency and accountability: Implement privacy impact assessments and meaningful consultation with oversight bodies.
  • Ensure interoperability: Align federal requirements with provincial frameworks and international standards
  • Balance security with civil liberties: Maintain robust Charter rights protections while securing critical infrastructure.
  • Foster innovation: Enable Canadian organizations to compete globally while maintaining high security standards

Canada can establish cybersecurity governance that protects critical infrastructure while preserving trust, privacy, and innovation. DIACC encourages ongoing consultation to ensure Bill C-8 achieves security objectives while maintaining digital trust foundations essential to Canada’s economic prosperity and democratic values.

Joni Brennan
President, DIACC

Statement on Bill C-4: Balancing Economic Relief with Privacy Considerations

November 12, 2025

Bill C-4 introduces essential economic relief measures for Canadians, including tax reduction, housing incentives, and cost-of-living support during challenging times. These provisions respond to real pressures facing Canadian households and businesses, and represent meaningful efforts to provide fiscal relief when it is needed most.

However, Part 4 of the bill warrants careful consideration by policymakers and stakeholders across Canada’s digital trust ecosystem. This section amends the Canada Elections Act regarding how federal political parties handle personal information. According to the bill’s summary, Part 4 “amends the Canada Elections Act to make changes to the requirements relating to political parties’ policies for the protection of personal information.”

Key Provisions

The amendments would require parties’ privacy policies to be available in both official languages and written in plain language, stating “the types of personal information in relation to which the party carries out its activities” and explaining “using illustrative examples, how the party carries out its activities in relation to personal information.” These transparency requirements represent positive steps toward helping Canadians understand how their data is used in the political process.

However, the bill also includes a provision stating that “a registered party … cannot be required to comply with an Act of a province or territory that regulates activities in relation to personal information … unless the party’s policy … provides otherwise.” This clause raises questions about the interoperability of federal and provincial privacy frameworks, particularly as provinces continue to strengthen their own privacy legislation.

Considerations for the Digital Trust Economy

Privacy protection is a cornerstone of digital trust and civic confidence in democratic institutions. As Canadians increasingly engage with political processes through digital channels, the handling of personal information by political parties becomes more consequential. The data collected, ranging from contact information to political preferences and engagement patterns, requires robust safeguards that align with contemporary privacy standards.

Some stakeholders have raised questions about how these amendments align with evolving privacy standards across jurisdictions and sectors. One analysis suggests the changes could create “a regime where parties are held to standards far below those governing businesses, governments, and national security agencies.” While political parties operate in a unique context with constitutional dimensions around freedom of expression and association, the question of appropriate oversight mechanisms merits thoughtful examination.

Provincial privacy commissioners and data protection authorities have developed significant expertise in overseeing privacy practices across various sectors. The relationship between federal electoral processes and provincial privacy frameworks presents both jurisdictional complexities and opportunities for collaborative governance approaches.

DIACC Recommendations

As a multi-stakeholder organization focused on digital identity and trust, DIACC offers the following recommendations to strengthen Bill C-4 while maintaining its economic relief objectives:

  1. Establish Independent Oversight: Consider establishing an oversight role for the Office of the Privacy Commissioner of Canada regarding federal political parties’ handling of personal information, with appropriate investigative and enforcement mechanisms that respect the unique context of democratic processes.
  2. Maintain Baseline Provincial Standards: Amend the provision to ensure federal political parties remain subject to applicable provincial privacy laws as a baseline, while allowing parties to adopt higher standards voluntarily. This would maintain consistency with the principle of cooperative federalism and avoid creating a privacy protection gap.
  3. Align with Modern Privacy Principles: Ensure party privacy policies align with the core principles of PIPEDA and contemporary provincial privacy legislation, including consent, purpose limitation, data minimization, accuracy, and accountability.
  4. Implement Transparency and Reporting: Require federal political parties to publish annual transparency reports detailing the types and volumes of personal information collected, purposes of use, data retention periods, and any third-party sharing arrangements.
  5. Enable Technical Interoperability: Encourage alignment with recognized privacy frameworks such as the Pan-Canadian Trust Framework (PCTF) to facilitate consistent privacy practices across federal and provincial jurisdictions and sectors.
  6. Conduct Privacy Impact Assessments: Require political parties to conduct and publish privacy impact assessments when implementing new data collection technologies or significantly changing data handling practices.
  7. Establish a Review Mechanism: Include a mandatory parliamentary review provision within three years to assess the effectiveness of these amendments and their alignment with evolving privacy standards and technologies.
  8. Enhance Public Education: Support Elections Canada in developing public education resources to help Canadians understand their privacy rights in the political context and how to exercise control over their personal information.

DIACC encourages ongoing consultation between federal and provincial authorities, privacy commissioners, political parties, and civil society stakeholders throughout the implementation of these amendments. Strong privacy safeguards and economic relief need not be mutually exclusive; both are essential to building a resilient digital economy and maintaining trust in Canadian institutions.

By strengthening the privacy provisions in Part 4 while maintaining the essential economic relief measures in other parts of the bill, Parliament can demonstrate that protecting Canadians’ personal information and supporting their economic well-being are complementary priorities.

Joni Brennan
President, DIACC

DIACC AI Consultation Submission to the Federal Government

October 31, 2025 – Canada has the opportunity not only to develop world-class AI capabilities, but also to build an ecosystem where AI innovation and responsible deployment are enabled by a strong foundation of digital trust, identity, authentication, and interoperability. DIACC’s mission is to accelerate the adoption of digital trust by enabling privacy-respecting, secure, interoperable digital trust and identity verification services through the DIACC Pan-Canadian Trust Framework (PCTF).

In this submission, we outline how investments in trust infrastructure, standards and verification can help deliver four key outcomes: scale Canadian AI champions, attract investment, support adoption and foster responsible, efficient deployment of AI systems.

About DIACC

The Digital ID and Authentication Council of Canada (DIACC) is a non-profit public–private coalition created following the federal Task Force for the Payments System Review. DIACC’s mission is to accelerate the adoption of digital trust by enabling privacy-respecting, secure, and interoperable identity systems.

DIACC is the steward of the Pan-Canadian Trust Framework (PCTF)™ — a public and private sector, industry-developed, standards-based, technology-neutral framework designed to enable scalable, certifiable digital trust infrastructure that meets the needs of governments, businesses, and individuals.

The DIACC PCTF has been developed in collaboration with experts from federal, provincial, and territorial governments as well as industry and civil society. It supports verifiable credentials, authentication services, fraud prevention, and information integrity across the Canadian digital economy.

Scaling Canadian AI champions and attracting investment

A major barrier for Canadian AI firms is not solely algorithmic innovation, but the ability to build scalable, trusted solutions that can be easily integrated with government and industry systems — particularly in regulated sectors. To scale, Canadian AI companies must demonstrate trustworthiness, security, privacy compliance, identity/credential verification, and interoperability — all of which raise costs and complexity when the underlying infrastructure is fragmented or weak.

Further, investors increasingly look for ventures that not only have technical sophistication but also strong risk management, data provenance, identity assurance and governance frameworks;   Canada can differentiate itself by emphasizing trusted AI ecosystems.

Recommendations:

  • Recognize identity, authentication, verification and trust-framework services (e.g., the DIACC PCTF) as critical infrastructure to underpin secure and trustworthy AI ecosystem scaling — and include funding streams, procurement support and regulatory recognition accordingly.
  • Introduce targeted incentives (grants/tax credits) for Canadian AI firms that embed standards-based verifiable credentials, identity proofing and interoperability from day one — thereby lowering investor risk and improving export readiness.
  • Foster public-private collaborations where government platforms adopt standards-based digital credentials (for authentication, identity verification, data-sharing) and invite Canadian AI firms to build on those platforms — this creates domestic anchor opportunities and global reference cases.
  • Promote and fund initiatives that allow Canadian AI firms to export trust by aligning Canada’s trust-framework credentials with international equivalents (e.g. UK identity frameworks) so that Canadian-built AI solutions come with built-in identity/credential assurance for global markets.

Enabling adoption of AI across industry and government

Adoption by industry and government is facilitated when the infrastructure for authenticating, verifying identity, sharing data, and managing credentials is streamlined and standards-based. AI solutions deployed in real-world workflows often hinge on knowing who is interacting, what credentials they hold, which data sources are valid — not just the AI model itself.

Fragmentation in identity verification, digital credentials and interoperability across jurisdictions (federal/provincial/territorial) also increases friction, slows procurement and reduces the number of “ready” integration points for AI vendors.

Recommendations:

  • Deploy a reusable digital credential/single sign-on system for government services (federal, provincial, municipal) modelled on widely used private-sector login tools. This makes it easier for government agencies and vendors (including Canadian AI firms) to plug in.
  • Encourage government procurement frameworks to demand standards-based trust services (identity proofing, verifiable credentials) as part of AI solutions — thereby embedding adoption readiness from the procurement side.
  • Provide and consume standardized capability services offered by the public and private sectors (identity/credential verification, verifiable data sources, API hubs) that AI firms can access respecting privacy, leveraging a consent-based framework,  rather than each reinventing, reducing cost and time-to-market.
  • Support industry-government collaborations in regulated sectors (e.g. health and finance) where trust and identity verification matter first — by creating pilot environments that leverage trustworthy identity and credentials as the foundation for AI deployment.

Building safe, reliable and trustworthy AI systems, and strengthening public trust

Public trust in AI is undermined when the authenticity of interactions, data and verified identities cannot be reliably determined — for example, synthetic identities, manipulated documents, fraud-enabled onboarding, and unverified credentials all impact trust and impede safe AI deployment.

Identity assurance, verifiable credentials and trustworthy provenance of data and interactions are vital to enable AI in environments where safety, ethics, regulation, and accountability matter (e.g. financial decisions, cross-border labour credentials).

A standards-based trust framework such as DIACC’s PCTF can support traceability, transparency and audit capability in AI workflows, making systems safer, more explainable, and more investable.

Recommendations:

  • Fund the adoption and certification of privacy-respecting, standards-based identity, verification and credential-issuance systems (e.g. the DIACC PCTF) across sectors that will use AI.
  • Recognize identity verification, credentialing and data provenance as core components of AI governance frameworks (not just “nice to have” add-ons), and include them in AI risk-assessment, certification and procurement guidance.
  • Invest in research and development of identity and credentialing tools that are specifically tailored for AI use-cases (e.g. verifying data source authenticity).

Building enabling infrastructure, including data, connectivity and skills

While data and connectivity are widely recognized as AI-enablers, equally critical is the infrastructure of trust, including identity frameworks, verifiable credentials, authentication services, and certification of trust services — without which data sharing, inter-jurisdictional collaboration, and large-scale deployment face bottlenecks.

Digital sovereignty is also critical. Canada must ensure that infrastructure (cloud, data centres, identity/trust services) aligns with domestic values, jurisdictional control and regulatory frameworks in order to attract both domestic and foreign investment that values provenance and security.

Recommendations:

  • Invest in Canadian-based trust infrastructure, including domestic cloud and data centres, specifically for identity/credential/trust-services, to support AI readiness, digital sovereignty and economic resilience (as previously recommended by DIACC).
  • Ensure that interoperability standards for identity, credentials and trust-services are integrated into AI infrastructure planning — enabling cross-sector and cross-jurisdiction data flows, credentials reuse, and reduced duplication of onboarding/verification.
  • Support development of shared digital identity and credential hubs, which can serve as infrastructure building blocks for AI-enabled systems, enabling smaller firms or remote/Indigenous communities to access AI infrastructure.
  • Link infrastructure investment to skills and operational readiness, and include training programs for identity/trust-service management, credential issuance and verification, and interoperable system design, ensuring the human infrastructure is aligned with the technical.

Conclusion

Scaling Canada’s AI champions, attracting investment, accelerating adoption, and building safe and trusted AI systems all rest on a foundation of digital trust, verifiable identity, credentialing and interoperability. By recognizing and investing in trust infrastructure as a core enabler alongside data and connectivity, Canada can create a differentiated and competitive AI ecosystem.

DIACC welcomes further collaboration with federal partners and key stakeholders to implement standards-based trust frameworks, support interoperable credentialing and enable Canada’s AI ecosystem to flourish on the global stage.

Thank you once again for the opportunity to provide this input.

Joni Brennan
President, DIACC

Spotlight on General Bank of Canada

1. What is the mission and vision of General Bank of Canada?

To build a bank for generations. [To build a bank for generations implies extensive trust]. General Bank operates as a Financial Product Manufacturer and works with Distributors / Brokers to have Consumers access our products.

2. Why is trustworthy digital identity critical for existing and emerging markets?

As a financial services product manufacturer we don’t hold direct to consumer relationships – we work with other financial services distributors. However, we need to validate those relationships with consumers and distributors to meet our regulatory obligations.

3. How will digital identity transform the Canadian and global economy? How does your organization address challenges associated with this transformation?

The more easily and quickly (digitally) we can verify individuals the more we can get our products out in the market and meet our regulatory obligations.

4. What role does Canada have to play as a leader in this space?

Canada can definitely be a leader in digital trust and identity – there is already a lot of great work ongoing.

5. Why did your organization join the DIACC?

General Bank is transforming and digital trust / verification is becoming a larger focus for us.

6. What else should we know about your organization?

General Bank is full Canadian Chartered Bank but we don’t have direct to consumer relationships (so we are a very different Chartered Bank).

Leading the Way: Client IDV Success in Canada’s Legal Sector

700,000+ Transactions

Canada’s legal sector has achieved over 700,000 client identity verification (client IDV) transactions in a single year (October 1, 2023 – September 30, 2024), proving that secure, convenient digital client IDV can operate at scale in highly regulated environments.

$50-70M market

DIACC member organizations are leading this transformation in a $50-70M legal-sector verification market that points to an economic opportunity of $500M to $1B spanning financial services, healthcare, telecommunications, and government.

The Achievement

Client IDV has moved from experimental to essential in the legal sector, positioning Canada as a global early adopter with proven solutions ready for trusted markets.

The Opportunity

Ontario’s success provides a model. Extending this to Quebec, Atlantic Canada, and the territories will drive economic prosperity.

Three Success Stories Point the Way Forward

700,000+ transactions prove the model works: Canadian lawyers, notaries, and clients have embraced digital verification as reliable, secure, and convenient.

DIACC members are innovating verification approaches: from streamlined single-method solutions to comprehensive triple-verification systems, providers are demonstrating flexibility for different risk profiles.

Market demand continues growing: 16.7% global CAGR signals sustained opportunity for Canadian providers who achieve economic scale.

Strategic Opportunity

The gap between leading jurisdictions and emerging markets creates clear pathways for growth. This requires collaborative action between industry innovators, forward-thinking regulators, and government partners.

Download the briefing here.

Leading-the-Way-Client-IDV-Success-in-Canadas-Legal-Sector-ENG

DIACC and SIROS Foundation Partner to Advance Global Leadership in Digital Trust and Interoperable Credentials

Toronto, Canada, October 28, 2025 – The DIACC and the SIROS Foundation are proud to announce a strategic collaboration to accelerate trust, interoperability, and innovation in digital credentials and wallets.

This partnership brings together two recognized leaders in digital trust and identity services and responsible innovation to develop solutions that empower individuals, institutions, and governments to securely verify and share information across borders and sectors. The collaboration will focus on opportunities to support and extend academic and professional credentialing, labour mobility, and workforce upskilling, building the foundation for a more connected, inclusive, and trusted digital economy.

“Digital trust and identity is not only technology capabilities, they are economic and social enablers,” said Joni Brennan, President of DIACC. “Working with SIROS allows us to connect Canada’s public and private sector leadership with global industry-needs driven best practices to deliver real-world, interoperable solutions that benefit all.”

Through this collaboration, DIACC and SIROS will:

  • Address challenges and opportunities related to international interoperability, digital trust and identity assurance policy, and trust in specific use cases. 
  • Align efforts to enhance the secure and trusted exchange of digital credentials across sectors and jurisdictions.
  • Develop and showcase real-world use cases proving the effectiveness of interoperable digital trust and identity solutions.
  • Collaborate to advance policy alignment and technical interoperability through pilot projects and testing around use cases, including: Travel, Education, Payments, Organizational/Business credentials, Labour mobility, Professional upskilling, and Academic integration

“The SIROS Foundation is dedicated to building digital ecosystems that are secure, inclusive, and human-centred,” said Stina Ehrensvärd, Board of Directors SIROS Foundation. “By joining forces with DIACC, we can advance trust infrastructure that strengthens economic resilience and opportunities across Europe and Canada.”

Together, DIACC and SIROS are positioning Canada and its partners at the forefront of global digital trust innovation, advancing a model where secure, verifiable, and portable credentials enable greater mobility, economic growth, and public confidence in the digital age.

About DIACC
The DIACC is a non-profit coalition of public and private sector leaders working to unlock economic and societal opportunities for Canadians through secure, privacy-enhancing digital trust and identity verification solutions. 

About SIROS Foundation
The SIROS Foundation advances secure, inclusive, and responsible digital ecosystems through research, collaboration, and strategic initiatives that prioritize trust, transparency, and human-centric innovation.

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