Building the foundation of trust in Auto Finance. Empowering Dealers and Lenders to serve their customers better, faster and more securely.
2. Why is trustworthy digital identity critical for existing and emerging markets?
Auto Finance and the Automotive Sector more generally, relies on trustworthy digital identity verification to ensure that people are who they say there, and the information being provided is authentic.
3. How will digital identity transform the Canadian and global economy? How does your organization address challenges associated with this transformation?
Paays is enabling thousands of Auto Dealers in Canada with the technology to perform digital identity verification, protect their businesses and employees, and reduce or eliminate criminal opportunities for fraud.
4. What role does Canada have to play as a leader in this space?
Canada has a significant opportunity to be a leader in digital identity and trust services, across many industries, including Auto Finance.
5. Why did your organization join the DIACC?
Paays joined DIACC to partner with a leading organization and it’s members, focused on bringing digital identity and trust services to the Canadian marketplace.
6. What else should we know about your organization?
Paays has a singular, laser-focused approach to building the foundation of trust in Auto Finance!
Our vision is for a safer, more private world. Keyless is on a mission to redefine how the world authenticates – enabling people to securely access services with a simple look, without compromising their biometric data.
2. Why is trustworthy digital identity critical for existing and emerging markets?
We can answer this with a simple example: mule accounts. Fraudsters will pay people to open bank or crypto accounts using their real ID, then take over and use those accounts to launder money. On paper, the account looks legitimate – but the person using it isn’t who the bank thinks it is.
This kind of fraud is only possible when identity assurance is weak. With trustworthy digital identity, this can be stopped by verifying who is really behind the screen not just at sign-up, but every time they log in, send a payment, or change account details.
3. How will digital identity transform the Canadian and global economy? How does your organization address challenges associated with this transformation?
Digital identity is the foundation for secure online interactions. It drives inclusion, cuts costs, and reduces fraud. When companies can trust their users, they grow faster and more confidently.
Keyless sits within consumer apps – often in banking and fintech, but also in government and university portals. Whenever a user performs a sensitive action, like logging in or approving a payment, Keyless triggers an authentication selfie using the device’s camera. Unlike text messages, call centers, or even FaceID, this process actually proves who the user is – not just that they have access to a device or mobile number.
4. What role does Canada have to play as a leader in this space?
Canada is already taking significant steps toward becoming a global leader in digital identity. The government is actively developing a nationwide digital ID program designed to make accessing both public and private services faster and more secure.
By continuing to invest in public-private collaboration, Canada can lead the way in building trusted, inclusive digital ecosystems that other countries look to for guidance.
5. Why did your organization join the DIACC?
We joined DIACC to help shape the future of digital identity in a way that’s secure, user-friendly, and preserves citizen privacy. We believe in collaboration and are excited to contribute our expertise in biometric authentication and privacy-preserving technologies.
6. What else should we know about your organization?
Within the biometric authentication space, Keyless is known for its privacy-preserving approach. Uniquely, we authenticate users without storing their facial biometric data anywhere – keeping their biometric information completely private.
Governments worldwide are accelerating their digital transformation efforts to meet the growing expectations of citizens and businesses. Canada is no exception, with public sector services increasingly moving online to improve efficiency, accessibility, and security. However, this shift brings significant challenges, including data privacy concerns, cybersecurity threats, and the need for seamless, interoperable services across jurisdictions.
When DIACC was established in 2012, its mission was to create a secure digital ecosystem. Today, this goal is even more critical for modernizing government services while ensuring security, privacy, and usability. DIACC has evolved from research to certifying real-world digital trust solutions, setting audit standards, shaping policies, and connecting businesses and government to strengthen Canada’s digital economy.
Digital trust—which empowers individuals, businesses, and government agencies to engage online securely and transparently—is essential for delivering reliable public services. Without it, citizens may lack confidence in digital government initiatives, limiting their adoption and effectiveness.
By prioritizing digital trust, Canada can strengthen its public service infrastructure, enhance citizen confidence, and improve service delivery. Interoperable frameworks such as the DIACC Pan-Canadian Trust Framework™ (PCTF) ensure that digital services remain secure, adaptable, and trusted while protecting personal electronic information between government agencies and service providers.
Advancing Digital Trust to Modernize Government Services
1. Driving Efficiencies, Cost Savings, and Economic Growth
Governments can leverage DIACC, the PCTF, and PCTF certification along with technical standards to help streamline processes, reduce costs, and create economic opportunities through:
Reducing Implementation Costs: Standardized digital trust solutions lower costs associated with developing, integrating, and maintaining digital trust capabilities.
Enhancing Service Efficiencies: Digital credentials and interoperable frameworks minimize redundancies and enable faster, more secure service delivery.
Unlocking Interprovincial Trade: A unified digital trust framework will enable seamless service delivery to Canadians across Canada, regardless of province of residence.
Facilitating Labour Mobility: Efforts to reduce interprovincial trade across Canada mean the importance of secure and portable digital credentials has never been greater. Reducing bureaucratic licensing and certification verification barriers will ensure workers can move between provinces more efficiently.
Boosting Public-Private Collaboration: By aligning digital trust standards with industry best practices, governments can foster innovation and attract investment in secure digital services.
2. Strengthening Public Confidence in Digital Services
For government digital services to succeed, citizens must trust them. Implementing robust digital trust solutions allows governments to:
Ensure secure and seamless access to online services
Protect citizens’ data from fraud and misuse
Increase adoption of digital services by providing verifiable trust measures
Improve operational efficiency by reducing manual verification processes
3. Enhancing Trust Through the DIACC PCTF
The DIACC PCTF provides a framework for governments to:
Strengthen identity verification in digital government services
Improve efficiency in service delivery by reducing reliance on physical documents
Enhance interoperability across departments and jurisdictions
Ensure compliance with privacy and security standards through auditable criteria
4. Protecting Citizens from Fraud and Identity Theft
Fraud prevention is a top priority for digital government services. To mitigate risks, governments should:
Implement secure identity verification measures for accessing digital services
Use verifiable credentials for social benefits, permits, and tax filings
Ensure public education initiatives on digital trust and security best practices
All federal, provincial, and municipal governments must collaborate to support a trustworthy digital ecosystem. Digital trust frameworks like the PCTF facilitate:
Secure data exchange across agencies while maintaining privacy
Interoperable digital identity solutions for seamless citizen experiences
Compliance with national and international regulatory requirements
6. Leveraging Digital Trust for Innovation in Public Services
Governments can harness digital trust to:
Develop secure digital identities for all citizens and businesses
Improve emergency response coordination through trusted data-sharing networks
Support AI-driven public service applications with built-in trust safeguards
Best Practices and the Way Forward
1. Adopt Existing and Emerging Digital Trust Technologies to Address Pain Points
Government agencies should leverage trusted digital trust, verification, and credentialing solutions aligned with the PCTF. Implementing PCTF-certified solutions will enhance security, efficiency, and trust in digital service delivery. While whole-of-government modernization is needed, our stakeholders recommend rapidly unlocking digital driver’s licences, passports, permanent resident cards and verified income to address the economic urgency.
2. Collaborate for Consistency and Interoperability
DIACC fosters collaboration between governments, technology providers, and industry stakeholders to promote consistent digital trust practices, using standards and certifications to ensure security and privacy across public services.
3. Educate and Empower Citizens and Public Sector Leaders
DIACC is committed to advancing digital trust in government through:
Public awareness campaigns on the benefits and security of digital services
Training and resources for government officials on digital trust implementation
Policy recommendations to support the adoption of digital trust frameworks
Conclusion
Modernizing government services requires a foundation of digital trust. By recognizing frameworks like the PCTF, governments can enhance service delivery, protect citizens’ data, and foster trust in digital public services.
Together, we can build a future where government services are more efficient, secure, and accessible to all Canadians while reinforcing Canada’s leadership in digital trust and innovation.
