Tag Archives: new member

Spotlight on Nuance

1. What is the mission and vision of Nuance?

Nuance’s mission is to facilitate fast, easy, secure access to the services that people depend upon. When a person contacts a company or government agency, they should be able to quickly verify themselves with minimal work on their part. They should also know that their identity is safe and that the company or agency that they’re engaging with is using the latest technology to detect and stop fraudsters. Nuance promotes an accessible, biometrics-based approach to authentication in which a person’s voice acts as a central, lifelong credential that frees them to use whichever device or channel they want. Where other biometric modalities like fingerprint sensors and face scanning require a person to have access to a particular device, voice biometrics can be enrolled and then authenticated against in any channel. Therefore, by adding voice biometrics to their digital identity, governments and enterprises can ensure that they are offering a secure, accessible to everyone, including vulnerable and less technology-savvy clients. A biometrics-based approach also enables organizations to stop digital identity fraud at the source—the actual fraudster—by detecting fraudsters no matter the device or identity they hide behind. And it helps law enforcement agencies identify and prosecute organized fraud groups to protect their citizens from identity theft and related crimes.

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

Both corporate and government entities need to trust that the person they’re interacting with is actually who they claim to be; likewise, people need a convenient, accessible way to prove their identity to governments and companies. A trusted digital identity, based on principles of accessibility and universality, is key to facilitating these interactions.

Furthermore, as people increasingly prioritize data privacy and security, governments and companies should embrace these principles in kind. By adopting strong, state-of-the-art authentication and fraud prevention technologies like voice biometrics, enterprises and government services can demonstrate to their clients that they share these values.

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

Digital identity will enhance privacy protection by enabling new ways to share specific identity attributes without having to share an identity in its entirety. Digital identity will also increase accessibility to critical services: pairing a person’s digital identity with their biometrics will allow that person to receive services without requiring a security factor that they may not have access to, such as a smartphone or physical identity card.

Nuance enables secure, accessible digital identity that goes beyond the simple digitalization of government IDs by providing technology to append biometric voiceprints to identities, as well as behaviourprints and “conversationprints”.

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

Through DIACC, Canada is taking the lead in adopting a secure, accessible digital identity framework that will facilitate the interoperability of digital ID standards and approaches between provinces. Further, in establishing leadership in developing such a framework, Canada will play a key role in developing a digital identity that can be used outsides of its national borders. By adopting biometrics as part of its strong digital identity framework, Canada can demonstrate the importance of making digital identity fully accessible to everyone.

5. Why did your organization join the DIACC?

It’s time to transform national identities, but digitization is only one step: digital identity initiatives must aim to provide better services with fewer barriers even while proactively moving against abuse from fraudsters who have amassed the valuable personal information of millions of citizens over the past decade. Enriching digital identities with other data including biometric factors is critical to increasing access to services for more vulnerable populations and to fighting fraud more effectively.

Nuance has more than 20 years’ experience helping banks, telecommunication providers, insurance companies and governments deliver better services and fight back against ever-evolving fraud threats. We’re very excited to share our expertise and collaborate with other organizations to accelerate the adoption of secure, accessible digital identities across Canada and around the world.

6. What else should we know about your organization?

Nuance is a global leader in biometric authentication and fraud prevention, helping governments and enterprises deliver better services and fight back against ever-evolving fraud threats. Our Gatekeeper biometric security solution reduces friction and increases trust in every interaction across voice and digital channels while helping fraud teams prevent, detect, and investigate more fraud. Over 500 organizations have enrolled over 600 million biometric prints through our solutions, securing over 8 billion customer engagements and preventing more than $2 billion in fraud losses annually.

Spotlight on Regula Forensics

1. What is the mission and vision of Regula?

With 29 years of experience, Regula has the largest ID document template database (9800+), supports over 138+ languages, in addition to supporting documents from over 248+ countries and territories.

Regula develops and improves solutions for the identity verification market. We strive to provide our customers with the best possible level of security and ensure that they benefit from superior protection features.

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

The existing and emerging markets are growing fast. New banks, new currencies, new technologies are all rapidly reshaping the customer’s expectations. A trustworthy digital identity that ensures the best possible level of security is crucial to retaining customers and growing businesses in this fast-paced industry.

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

Millions of people trust the Governmental Security Organizations every day for their safety and well-being. It’s essential that these authorities have the highest level of security and service possible. Regula can empower the digital identity transformations and help the Canadian and global economy in a mission to protect and serve citizens.

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

The heart of digital identity and trust services is community. Being a leader, it’s vital for Canada to give the community the confidence to flourish and grow.

5. Why did your organization join the DIACC?

Having the best ID verification technology on the market and being compliant with data processing regulations is something that we take as a must and therefore, Regula joined DIACC to assist in delivering secure, remote, frictionless ID verification services for users across industries.

6. What else should we know about your organization?

Regula Face SDK delivers secure (fully on-premises), frictionless online biometric verification regardless of the device used. Face matching allows you to compare a face biometric scan (selfie) with the photo on the ID or even a photo from the RFID (if combined with Document Reader SDK). Moreover, a liveness check becomes another security check available for the user. Such an easy step for a legitimate customer helps assure that the person holding the ID is the one on it as well as help confirm genuine presence.

Integration happens like plug and play. Together with that you get the solution that is compliant with the regulations, runs on all devices and platforms as well as reduces operational costs. Face SDK can be used in a variety of industries for different use cases including automated check-in in air travel, or onboarding in fintech. Regardless of the industry or use case software runs on the end-user device delivering the highest level of security.

Spotlight on Credivera

1. What is the mission and vision of Credivera?

Mission: To bridge the way the world manages personal and professional credentials. We make people’s lives easier, safer, and more productive by seamlessly connecting trustworthy information to where it needs to go.

Vision: Transform the way we provide proof of people, products, and processes.

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

A global economy requires a shared, trusted framework for understanding that the information we are receiving is true, untampered, and current.

As we look at traditional industries, we see an urgent need to securely share information about an individual that respects both their personal data and the information required for operating a compliant organization.

As these markets interconnect, the skills of a workforce may be hybrid, remote or highly accessible but fundamentally still require a capacity to analyze, assess, and deploy talent associated with an identity based upon their current status.

Digital ID transitions the way we validate skills from subjective to objective, placing an emphasis on the work and removing stereotypes and bias limiting the advancements of new markets.

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

Digital identity will create a common language and roadmap for securely sharing important personal information that honours the individual being in control of their identity. As their identity expands to involve personal and career credentials, the nature of work and repositioning of talent globally becomes a reality.

Canada will be able to attract the talent our industries require, share expertise in emerging geographies, and remove blockages in the way current economic systems operate that require verified identification in a manual way.

Credivera is developing an open, standards-based identity platform that provides proof of certifications and work experience using verified digital credentials. As we build a digital ecosystem of businesses, issuers, and individuals, we are supporting industries to adopt new ways to capacity plan, manage compliance, and identify opportunities for new career and skill development.

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

Canada can be agile and advocate for creating and mandating a shared standard of digital identity among world leaders. Through fundamental systems that enable both public and private trust services people, markets, and personal data can flow faster and more securely.

5. Why did your organization join the DIACC?

As a participant in emerging advancements in digital identity for the government, Credivera learned of the Pan Canadian Trust framework and aligned with DIACC’s initiatives. As a member, we are excited to share knowledge and assist in creating the future of digital identity together.

6. What else should we know about your organization?

Credivera is currently working with the Government of Canada on User Centric Verifiable Credentials, supporting the interoperability of foundational identity documents and will be found on the Microsoft Marketplace in the coming months for their digital Wallet.

Spotlight on the CREA

1. What is the mission and vision of the CREA?

Our mission is to support REALTORS® in service to their clients through the provision of services and standards that enrich the REALTOR® profession and reputation and to advocate for public policy that ensures Canadians can fulfill their home and property rights and aspirations. Our vision is that REALTORS® are the chosen, trusted and respected professionals for consumer real estate needs.

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

As technology continues to develop and touch all aspects of life, it’s more important than ever to create secure proof of identity and authentication in the digital space that enables individuals, organizations and governments to have confidence in their digital interactions. Ultimately, digital identity is critical to ensure people can trust the services they receive online and help reduce occurrences of cyber fraud that can erode this trust.

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

Digital identity is quickly becoming a key feature in the 21st century economy as innovation and economic growth is, for the most part, happening online. Developing a strong digital identity framework in Canada will help build global trust and could lead to increased capacity for international collaboration in many different sectors.

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

Canada’s forward thinking and focus on the protection of personal information provides it with the unique opportunity to become a leader in the development and adoption of digital identity and authentication technologies. As technology companies continue to choose Canada as the destination to develop their products and services, Canada is well-positioned to be a strong international voice in this space.

5. Why did your organization join the DIACC?

As the real estate industry continues to shift online and adopt digital tools, the need for trusted digital identity for both REALTORS® and their clients has become essential. CREA joined the DIACC to become a part of the ongoing discussions and valuable work happening on this subject, with the goal of being part of the solution to this important issue.

6. What else should we know about your organization?

The Canadian Real Estate Association (CREA) is one of Canada’s largest single-industry Associations. Our membership includes more than 135,000 real estate brokers, agents and salespeople, working through 78 real estate Boards and Associations across Canada.

Spotlight on Trust Science

1.What is the mission and vision of Trust Science?

Trust Science ® is a FinTech SaaS that delivers Credit Bureau 2.0 ® / Credit Bureau + ™. Its mission is to help deserving people get the loans they deserve. The service gives lenders highly accurate scores about underbanked and financially stressed borrowers in a fair, ethical and compliant way. This solution repairs the on-ramp to the modern credit economy, improving financial inclusivity while simultaneously boosting lender profitability.

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

Even in multi-billion dollar credit bureaus, data often crosses individuals, leading to frequent mix-ups and inaccurate credit reporting (i.e. lost opportunities for deserving borrowers or fraud committed by un-deserving people). With a trustworthy digital identity and interoperable digital credentials, lenders can ensure that individual data is correct and correctly attributed. As well, given the trends in Consumer Protection and Privacy laws, trustworthy identity is the first step toward returning control and consent to the use of personal data back to its rightful owners. Furthermore, in the rapidly emerging market of alternative credit underwriting, where Trust Science is a leader, digital identity enables new application processes, giving new-age credit bureaus fast and secure access to more data points for more accurate scoring. Trust Science believes that digital identity solutions will form the backbone of financially inclusive credit scoring and will be instrumental in a variety of other contexts.

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

Interoperable digital credentials will transform all economies by significantly reducing cost and time for all forms of applications and sharing sensitive, verified information. Trust Science is designed to be a compliant service in all jurisdictions so that it can improve borrowing outcomes for global citizens and lenders. This is evidenced, in part, by a massive patent and trademark estate (comprising over 4 dozen patents, trademarks and pending patents across 18 different countries, and counting.) To support this transformation, Trust Science is pioneering the application of digital identity in the credit reporting industry. It is a Founding Steward of the Sovrin.org Identity network alongside industry heavyweights and it has now proudly joined DIACC. It will also provide services/consulting and its Smart Consent™ software to lenders and their borrowers to enable a transition to the use of digital credentials in loan applications, as digital wallets proliferate among consumers. As well, the company is working with regulatory bodies in both Canada (OSFI) and in the U.S. (RFI submission re: Explainable AI to 5 federal agencies in June 2021) to ensure that modern technology and its capabilities are fully understood and appreciated by all stakeholders, especially the topmost banking regulators.

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

Canada undisputedly has the technological capabilities and knowledge needed to be a global leader in digital identity and trust services. A strong supporter of digital identity standards, Trust Science is excited to be a part of that leadership, especially with the Canadian government’s “User-Centric Verifiable Digital Credentials” initiatives.

At a practical and real-world level, Canada shares the world’s longest border with the world’s biggest and most advanced economic and technological actor.  It is incumbent on a partner in such a relationship to meet or beat best practices in all matters of identity and services (like money transfer) that rely on trust and KYC. Turning to the global space, Canada must continue to support domestically-driven innovations to maintain its position of leadership and continue to set the global pace of digital identity standards in the customary Canadian way: fair, ethical, and inclusive.

5. Why did your organization join the DIACC?

Trust Science joined DIACC to facilitate partnerships with other members that will further the adoption of emerging digital credential standards. The company believes that these partnerships will form the foundation of a strong Canadian ecosystem of digital identity companies and that all the different players’ collective experiences working on the cutting-edge of the tightly regulated lending industry will provide mutually valuable insights among each other.  Trust Science looks forward to networking and collaborating with other DIACC members in a way that helps Canada maintain its reputation for having a very strong banking/lending sector and healthy financial (including Insurance industry) institutions.

6. What else should we know about your organization?

Trust Science provides automated loan underwriting solutions leveraging traditional credit bureaus’ data, alternate data, and user-permissioned data. Given the risk associated with centrally stored personal data accessed during the loan application process, Trust Science aims to enable migration to decentralized digital credentials that will increase security and privacy while also significantly simplifying the application process. Put simply, Trust Science offers lending leaders a fair and ethical way of scoring financially stressed or under-banked customers, right now.

Spotlight on Accenture

DIACC is very pleased to welcome Accenture as a member. In this spotlight interview, DIACC President Joni Brennan connects with Iliana Oris Valiente, Managing Director, Canada Innovation Strategy and Blockchain Lead and Christine Leong, Global Lead Blockchain and Biometrics, to hear their thoughts on digital ID and the great work that Accenture is doing in this space.

DIACC Spotlight on Accenture – YouTube

Spotlight on ValidCert

1.What is the mission and vision of ValidCert?

Our Mission is built on a foundation of Protection, Validation and Empowerment. The ValidCert Vision creates an Eco-System of Trust. Our Eco-System of Trust (1) Protects Digital Identity and Micro-Certificates (2) Provides Validation of Credentials by Government Approved Institutions (3) Empowers Life-Long Learning

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

There is a global need for upskilling and reskilling which is creating a focus on shorter courses and micro-credentials. The approach to education and learning is changing and the technology has to focus on protecting and providing a forum for Digital Identity and Credentials to help bridge the skills gap. If individuals, globally, can safely and efficiently claim who they are and share validated micro-credentials in a protected environment, this will have a positive impact on streamlining the hiring and recruiting process which directly adds economic value. Reducing fraud, protecting rights and increasing transparency can increase efficiency for existing and emerging markets.

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

In order for Digital Identity to be successful, governments globally need to collaborate on creating interoperability to ensure individuals are protected when information is being shared. Risks need to be focused on, which include cybersecurity threats and data breaches. Digital Identity can be directly connected to economic value with increased use of financial services, increased access to employment opportunities all resulting in reduced costs and time savings for resources. According to McKinsey & Company, a subset of key focus areas for Canada and governments globally include cost savings, reduced fraud, and improved labour productivity all impacting the economy. ValidCert addresses challenges associated with this transformation by focusing on the key focus areas. Our platform is low-cost focused on enhancing processes surrounding assigning micro-credentials, providing a platform for Students/Job Seekers that is supported by the Learning Institutions that 3rd parties, such as recruiters, are invited to review. We are protecting the identity of the Issuer, Assignee and the Viewer, who are all major players in our Trust Eco-System. This will assist in reducing fraud as well as ensure that individuals’ identities and credentials are validated to be a “fit” for the job they are seeking. This will save time and resources for hiring companies, whether private or public.

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

Canada has a very important role to play as a leader in digital identity and trust services. This includes developing, in collaboration with organizations and other countries, policies and frameworks to ensure acceptance of digital identities. Similar to a currency, Digital Identities need to have cross-border acceptance.

5. Why did your organization join the DIACC?

We joined DIACC because we have trust in the objectives and vision of DIACC and its’ members. DIACC is creating a collaborative community to share knowledge and information to create sustainable solutions for Canada and for other countries. As part of DIACC, we are fortunate to be a part of the SIG (special interest group) for Digital Credentials which is validating the ValidCert Mission and Vision. We are not only learning but sharing our technology, research and experiences in order to move the Digital ID Dial forward.

6. What else should we know about your organization?

We are utilizing the best of Private and Public Technology environments so institutions and individuals can decide what information they want to share. We are protecting the accomplishments of all existing and future users of the Valid-Cert Eco-System!

Spotlight on Sterling Backcheck

1.What is the mission and vision of Sterling Backcheck?

Sterling Backcheck’s mission is to provide the foundation of trust and safety for our clients so they can create great environments for their most essential resource, people. Sterling Backcheck’s vision is the world where verified identity information should be owned and accessible easily by the individual.

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

So much of our lives is now in a digital format, both personally and professionally. We rely on technology to handle sensitive information, which, if not done correctly, can put us in jeopardy. Digital Identity is a crucial safeguard to preventing identity fraud, which could result in a significant damage to people’s life. Digital Identity is a key enabler to unlocking the next frontier of the digital economy. Through trustworthy Digital Identity, we can enable a safe digital future.

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

The World Bank estimates that roughly 1 billion people lack an official foundational identification. Millions have forms of identification that cannot be reliably verified or authenticated, resulting in exclusion from economic opportunities. Our parent company, Sterling, has been working on the creation of a digital identity wallet to help address the challenges worldwide. By joining DIACC, Sterling Backcheck hopes to help bridge that gap and offer a platform for trustworthy ID verification.

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

Canada has always been the pioneer on the identity front. For example, unlike many other countries, ID verification is required before starting a background check in Canada. In addition, Canada has always emphasized the importance of data privacy and storage. Building on those principles, Canada is well positioned to lead the conversation on digital identity services.

5. Why did your organization join the DIACC?

At Sterling Backcheck, we aspire to a vision that Digital identity verification should only have to occur once and personal identity verification should only be shared, when necessary and proportional to the need. Individuals and organizations should mutually benefit from digital identity innovation. While technology has created opportunities to enhance digital identity, we’ve also noticed examples of some migration away from sound identity verification practices. We see DIACC as an important vehicle to bolster and promulgate sound digital identity practices. We joined to help forward the mission of DIACC towards that goal.

6. What else should we know about your organization?

Sterling Backcheck is a pioneer in background screening, having revolutionized the industry with eConsent, a fully online platform for collecting candidate consent prior to starting their check. Through our proactive and collaborative approach working with the federal authorities that govern our industry, we have continuously offered a safe and secure way for organizations to conduct background screening. We conduct over a million criminal record checks on behalf of thousands of employers annually. There is no question that our processes have been refined over the years. We’re always looking for ways to innovate and continue to offer best in class service to our clients.

Spotlight on BlueShore Financial

  1. What is the mission and vision of BlueShore Financial?

BlueShore Financial’s mission: “Passionately improving our clients’ financial well-being in an interconnected, digital world.”

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

Trustworthy digital identity is critical to enable the continued development of a robust digital economy in Canada, and the potential direct and indirect benefits that come with it for all Canadians. Furthermore, lack of  a common trusted digital identity approach could result in a patchwork of various digital ID schemes, which would not only cause confusion for Canadians (and thus much slower adoption), but also create easy targets for cyber criminals.

From a financial industry perspective, a trustworthy digital ID is a critical component to successfully implement Open Banking, one of the globally accepted key trends in banking.

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

Two of the most populous countries in the world have established digital IDs: India with its government issued Unique ID (UID) number—or Aadhaar—identity program, and China with its digital identify provided by Ant Financial. These two countries are most populous with emerging economies. To remain a global player, Canada has to be able to compete with the likes of India and China when it comes to technology-savviness

Several other countries now have national digital identify programs and while these programs may not be perfect, they are evolving – Canada needs to do the same. Canada needs to start with a digital identity program, and then use an agile and iterative approach to evolve and keep up with new technologies as well as consumer needs and demands. Since Canada is somewhat late to the game, Canada can learn from the experience of other countries in both technology implementations and consumer rollout, which I know DIACC and its members from across the spectrum of government, finance, healthcare, telco, retail, auditors, etc., are discussing and working through DIACC Pan-Canadian Trusted Framework approach.

BlueShore addresses the challenges in two ways:

I. Internally we see digital identity as a core component of our digital transformation journey.

II. Broadly, digital identity is part of our conversations from Open Banking, to Payments Modernization to Data Privacy. We also work closely and in a “spirit of partnership” with our core technology partners.

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

Canada has a role to play as a G7 member to show digital leadership with respect to developing and launching a national digital identity program. Not only would this provide opportunities for Canadian businesses, but it would also demonstrate a model of how government and industries are able to work together to provide a key digital tool for Canadian consumers.

5. Why did your organization join the DIACC?

BlueShore saw the work DIACC and its members were doing defining, creating and building a national digital identity framework. It was this framework approach that attracted our attention to bolster our digital transformation work.

6. What else should we know about your organization?

BlueShore Financial is a boutique financial institution providing a full range of personal and business banking, wealth management, insurance and commercial lending solutions. With a branch network located across the Vancouver Lower Mainland and Sea-to-Sky Corridor, BlueShore Financial helps clients achieve financial wellness® through personalized solutions and expert advice, delivered in a unique Financial Spa® branch environment. BlueShore Financial manages over $6.5 billion in Assets Under Administration and is consistently ranked among the top 20 financial planning firms in Metro Vancouver.

BlueShore Financial is an Imagine Canada Caring Company, contributing at least 1% of pre-tax profits annually to charities and not-for-profit organizations within the communities it serves. BlueShore Financial is the operating name of BlueShore Financial Credit Union.

Spotlight on Yubico

  1. What is the mission and vision of Yubico?

Yubico was founded in Sweden with the mission to protect all internet citizens, making secure login easy and available to everyone.

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

Stolen credentials are a top online security risk for individuals and companies. Breaches cause severe financial, brand, and personal impact. It’s critical that people, and organizations, have access to solutions for all their different requirements.

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

Digital identity is critical for citizens, governments, and the private sector. As our lives move more and more online, our ability to identify ourselves in a secure, easy way will be key in order to access government systems, banking, and interact with goods and services providers.

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

Canada has the opportunity to be a world leader in the digital identity space. Our emergence as a highly desirable destination for up-and-coming tech companies, along with the coinciding tech talent, places Canada in a unique position. In order to capitalize on Canada’s emergence, it will require a strong partnership between the private and public sectors to help enable citizens, clients, and employees to have a safe online experience. Organizations like the DIACC are paramount in bringing together the key stakeholders to help achieve this shared goal that will truly benefit every Canadian.

5. Why did Yubico join the DIACC?

Yubico has been a leader and innovator in the authentication space for over a decade. In 2020 Yubico decided to put its first sales and technical resources in Canada due to the growing demand for our products. DIACC has a reputation for bringing together like-minded organizations and people that share a vision of improved digital identity.

6. What else should we know about your organization?

Yubico pioneered the design of the first one-time password authenticator to work with a simple touch and with no client software, and we made it compatible with the open authentication standard OATH. We then further secured and simplified the PIV smart card standard by adding touch-to-sign and built-in attestation. Yubico collaborated with Google and Microsoft to co-create the FIDO Universal 2nd Factor (U2F) and FIDO2 open authentication standards. Our work has contributed to open identity standards organizations W3C, IETF, FIDO Alliance and OpenID.

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