Strategic Vision 2031
Canada’s Digital Trust Imperative
A coordinated strategy to reduce fraud, lower compliance costs, and enable economic growth through industry and government action.
| 3x | $638M | $61B | 71% | |||
| Synthetic ID fraud tripled in one year | Lost to fraud by Canadians in 2024 | Compliance costs strain Canadian and U.S. businesses | Canadians support public-private collaboration |
Strategic Framework
Four Priorities for 2026–2031
Coordinated action across government, industry, and civil society, with each track strengthening the others.
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01
Harness AI to Reduce Fraud
Deploy AI-enhanced verification to contain the synthetic identity crisis while building resilience against AI-powered attacks.
40–60% potential fraud reduction
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02
Accelerate Economic ROI
Develop, measure, and amplify economic evidence in finance/lending, workforce mobility, and supply chain transparency.
40–60% faster verification times
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03
Reduce Regulatory Burden
Map PCTF conformance to regulatory obligations (FINTRAC, OSFI, provincial licensing) to streamline compliance.
20–30% compliance cost reduction
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04
Ensure Inclusive Digital Sovereignty
Keep Canada in control of its digital trust infrastructure while ensuring no one is left behind.
90% credential availability by 2031
Canadian Momentum
Proven Success Across Canada
Provincial leadership and industry innovation demonstrate what’s possible.
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BC: Services Card
4.6M users
90% of British Columbians with secure digital credentials since 2013
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Quebec: Bill 82
2028 target
Landmark law passed October 2025
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Alberta: Wallet
1M projected
Canada’s first mobile health card launched August 2025
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Finance: Interac Sign-In
141M
Government interactions annually via trusted verification
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Education: MyCreds
150+Institutions issuing digital credentials nationally
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Workforce: Credivera
30+ CountriesRegulated sectors, government agencies, and technology firms.
Measurable Outcomes
2031 Demonstrable Targets
DIACC will publish baseline methodology and annual progress assessments beginning in 2027.
|
Digital mortgage verification |
Credential recognition sectors |
Identity fraud losses |
Compliance costs (PCTF adopters) |
Canadians with credential access |
||||
| ~15%
↓ |
Limited
↓ |
$638M
↓ |
Baseline
↓ |
~25%
↓ |
||||
| 75% | 3 sectors | 50% less | 20–30% less | 90% |
Built on Canadian Values
Principles That Guide Our Work
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Privacy by Design
No centralized databases. Credentials stay on your device. You control what you share.
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No One Left Behind
Every digital service maintains a non-digital alternative. Accessibility is required.
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Provincial Sovereignty
Provinces retain their authority. Federal coordination builds on provincial innovation.
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Canadian Control
The Pan-Canadian Trust Framework™ ensures Canada sets its own rules for digital trust.
Get Involved
The Path Forward
Interested parties can engage based on current capacity and priorities.
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Industry Leaders Can
- Deploy AI-enhanced verification systems
- Participate in sector programs that prove ROI
- Pursue PCTF certification for competitive advantage
- Engage constructively with regulators
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Provincial Governments Can
- Modernize credentials with digital verification
- Enable interprovincial recognition for priority sectors
- Facilitate sector programs and document outcomes
- Collaborate through neutral forums
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Federal Government Can
- Continue citizen authentication frameworks
- Incorporate deployment evidence into policy
- Consider PCTF alignment in regulatory guidance
- Participate in neutral convenings
The Time for Action Is Now
AI-powered fraud is accelerating. Canada has the expertise, frameworks, and proven implementations to lead. Join us.