Monthly Archives: December 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