ENTRUST

SECURINGAWORLDINMOTION

Ddocusign

Whitepaper

TheFutureof

Globalldentity

Verification

Howleadingorganizationsbalance

digitalsecuritywithuserexperience

ExecutiveSummary

Asincidentsofidentityfraudbecomemorecommonplace,

organizationsaroundtheworldareseekingnewwaystoverifyandauthenticatetheircustomers'identities.Identityverification(IDV)andauthenticationsolutionsprovidethiscruciallayerofsecurity.Withgreaterinsightintohowleadingorganizations

deploythesesolutions,andawarenessofthemostvulnerableareasofthecustomerjourney,businessescanbetterprotect

themselvesfromincreasingrisks.

DocusignandOnfido,anEntrustcompany,co-createdthisreport

tounderstandthestateofidentityfraudaroundtheworldand

theroleIDVplaysinaddressingit.Alongwithprovidingamacro

globalperspectiveonwhereidentityfraudoccursinthecustomerjourneyandhowteamsarerespondingtothegrowingthreat,theresearchrevealsthespecificchallengesfacedbyorganizations

onaregionalandindustrylevel.

TheFutureofGlobalIdentityVerification2

Keyfindings

1Identityfraudincidentsareontherise,costingorganizationstime,

money,andemployeeresources.

Asignificantportionoforganizationssurveyedloseover$1millioneachyeartodirect

andindirectidentityfraud-relatedcosts-andtheseexpenseswilllikelyriseasartificial

intelligence(Al)advances.Despitethechallenges,someorganizationsarehesitantto

implementidentityfraudpreventionsolutionsoutoffeartheywilladdfrictiontothe

customerexperience.Sixty-sixpercentoforganizationssurveyedagreethatcustomer

experienceandidentityfraudpreventionarecompetingpriorities.However,inpractice,

manybusinessesfindthattheydon'thavetocompromise:BusinessesthatuseIDVare

twiceassatisfiedasbusinessesthatdonotuseIDV.

2Identityfraudtakesplacethroughoutthecustomerjourney,butitmost

oftenoccurswhencustomersloginandauthorizepayment.

Alongwithseeingidentityfraudatvariousstagesofthecustomerjourney,businessessee

manyvarieties.Themostcommonformsacrossindustriesareidentitytheft,accountcreation,digitaldocumentforgery,andchargebackfraud.Theauthenticationmethodlinkedwiththemostidentityfraudisusernameandpassword.Adeeperdiveintoorganizationalbehavior

revealsthattwo-thirdsoforganizationsapplydifferentlevelsofauthenticationforeach

customerinteraction,basedoneithertheircustomers'riskprofilesorthetypeofinteraction.

3IDVisnotonlyapowerfullineofdefensefororganizationsinpreventing

identityfraudbutcanalsoresultinacompetitiveadvantage.

IDVusersdetectidentityfraudearlierinthecustomerjourneyandmorefrequentlythannon-users.Asaresult,theaverageorganizationusingIDVhassavedover$8millionintotalby

preventingidentityfraudwithanIDVsolution.Sixty-threepercentoforganizationsthatinvestedsignificantlymoreinIDVthantheirindustrypeersbelievethestepstheytooktopreventidentityfraudhadapositiveimpactontheirbrand.

4Mostorganizationsseetechnologyasthesolutiontosolvingor

mitigatingcustomerfraud.

Seventypercentoforganizationssurveyedbelieveinvestingheavilyintechnologysolutionsisthebestwaytomitigatethefinancialriskofidentityfraud,andIDVisoneoftheirtop

priorities,with74%planningtoinvestmoreinIDVinthefuture.

TheFutureofGlobalIdentityVerification3

ldentityfraudisagrowingconcern,alongwithhighcostsandrising

customerexpectations

Sixty-ninepercentoforganizationssurveyedagree:Identityfraudattemptsareontherise.Whilethemajorityofbusinessesacrosstheglobesharethischallenge,theirbeliefsaboutwhat'sdrivingtheuptickdifferacrossindustryandregion.However,tworeasonsrosetothetopofourresearch:

·Moredigitaltransactionsaretakingplacetoday

·Customersarenotfamiliarwithbestpracticestoprotecttheirlogininformationandothersensitivedata

Lackofcustomerawarenessonbestpracticesandariseindigitaltransactionsleadreasonsforincreasedfraudattempts

NAMLATAMEMEAAPAC

Customersofbest

unaware

practices

Moretransactionsare

happeningdigitlly

Moretransactions

conductedonmobile

Customersunawareofbestpractices

Moreorganizedcrime

Morecontactlesspaymenttransoctions

Outdatedveriication

technologies

ProiferationofGenAI

Insufficientinvestment

inIDVsolutions

Moreeasily

accessiblePII

Increasedglobalfinancialpressures

Customersdemandingan

easierproces5

Moretransactionsarehappeningdigitally

Morecontactlesspaymenttransactions

Increasedglobalfinancialpressures

ProliferationofGenAI

Moretransactions

conductedonmobile

Moreorganized

crime

Outdatedverificationtechnologies

Customersunaware

ofbestpractices

InsufficientinvestmentinIDVsolutions

Customersdemandinganeasierproces?

Moreeasily

accessiblePII

Customersunawareofbestpractices

Outdatedverificationtechnologies

Customersdemandingan

easierprocess

InsufficieninvestmentinIDVsolutions

MoreeasilyaccessiblePll

Moretransactions

conductedonmobile

Increasedglobalfinancialpressures

ProliferationofGenAl

Moretransactionsare

happeningdigitally

Morecontactlesspaymenttransactions

Moreorganizedcrime

Moretransactionsarehappeningdigitally

Increasedglobalfinancialpressures

Outdatedvrificationtechnologies

Moretransactions

conductedonmobile

Morecontactlesspaymenttransactions

Moreorganizedcrime

Moreeasily

accessiblePII

Insufficientinvestment

inIDVsolutions

ProiferationofGenAl

Customersdemandingan

easierprocess

n=304n=208n=686n=215

Whatdoyoubelievearethebiggestreasonswhythere'sbeenanincreaseinfraudattempts?

TheFutureofGlobalIdentityVerification4

AlthoughfeworganizationsselectedAlasaleadingdriveroffraudinthissurvey,otherresearchindicatesitmayheavilycontributetothechangingsecuritylandscape.Entrust's2025Identity

FraudReportfoundthatdigitaldocumentforgeries,oftencreatedwithgenerativeAl,increased244%inthepastyear.Deepfakesliketheseforgeriesnowaccountfor40%ofallbiometricfraud.Atthesametime,manybusinessesseeAlasacriticaltooltocombatidentityfraud:82%of

respondentsbelievegenerativeAlwillbemoreeffectivethantheircurrentmethodsatreducingcustomerfraudrisk.

Therearealsopatternsinthevarietiesofidentityfraudorganizationsobserved.Acrossindustries,identitytheftwasthemostcommonlyreportedidentityfraud,followedbydigitaldocument

forgeryandaccountcreationfraud.Retailande-commercearetheonlyindustrieswithanothertypeoffraudintheirtopthree:chargebackfraud(whencustomersintentionallydisputeachargetoreceivearefundwhilekeepingtheproductorservice).Thisisduetotheroleofconsumer

purchasesinthisindustry.

Thesefindingsshowthatmostidentityfraudoccursatcriticalidentitymomentswhencustomersactivelyengagewithabusiness,whethercreatinganaccountforthefirsttime,resettingtheir

password,orenteringpaymentinformation.Toprotectthesecriticalmomentsinthecustomerjourney,businessesneedtoofferwaystosafelyopenaccountsandcontinuallyverifyusers'identitiesthroughoutthecustomerlifecycle.

ldentitytheft,accountcreation,anddigitaldocumentforgeriesleadasmostcommontypesofidentityfraudacrossindustries

Healthcare&Education&

ProfessionalServicesLifeSciencesGovernment

ldntityTheft

DigitalDocument

Forgery

DigitalDocumentFrgory

AccountTakeover

AccountTakeover

DigitalDocument

SocialEngingoring

Chargeback

DocumentForgery

BiometrieSpoofing

Deepfakes

SyntheticIdentities

CredentialStuffing

n=216n=181n=144n=96n=94n=99

Whattypesoffraudrelatedtoidentityverification/userauthenticationaremostcommonforyourorganizationinthecustomertransactionprocess?

BiometricSpoofing

SocialEngineering

Deepfakes

SocialEngineering

CredentialStuffing

SyntheticIdentities

SocialEngineering

CredentialStuffing

Deepfakes

Chargeback

SyntheticIdentities

Deepfakes

ChargobackFraud

CredentialStuffing

SocialEngineering

ChargebackFraud

BiometricSpoofing

Deepfakes

ldentityTheft

DigitalDocumentFrgery

Banking&Finance

ldntityTheft

BiometrieSpoofing

CredentialStuffing

Deepfakes

SyntheticIdentities

ldentityTheft

ChargebackFraud

ChargebackFraud

SyntheticIdentities

Forgary

DocumentForgery

DigitalDocument

Forgery

DigitalDocument

Forgery

ldentityTheft

BiometricSpoofing

BiometricSpoofing

SyntheticIdentities

CredentialStuffing

DocumentForgery

DoeumentForgery

DocumentForgery

SocialEngineering

DocumentForgery

AccountCreation

AccountCreation

AccountCreation

AccountCreation

AccountCreation

AccounCreation

AccountTakeover

AccountTakeover

Retail&eComm

AccountTakeover

AccountTakeover

ldentityTheft

IT

TheFutureofGlobalIdentityVerification5

TheFutureofGlobalIdentityVerification6

Regionalfindings

Brazilrespondents

reportedthehighest

increaseinidentity

fraudattemptsoutofcountriessurveyed,with

79%

oforganizations

reportingariseinfraud.

organizationswith

directidentityfraudcostsover$1million

Countrieswith

highestpercentage

55%Germany

65%Australia

Countrieswith

lowestpercentage

30%UnitedKingdom

29%Brazil

Percentageof

organizationswith

indirectidentityfraudcostsover$1million

Countrieswith

highestpercentage

24%Brazil

29%Australia

Countrieswith

lowest

6%

percentage

Mexico

Percentageof

Identitytheft,accountcreation,anddigitaldocumentmostcommontypesofidentityfraudacrossregions

NAMLATAMEMEA

forgeriesleadas

APAC

Identitytheft/fraud

Accountcreation

Digitaldocument

forgeries

ldentitytheft/froud

ldentitytheft/froud

ldentitytheft/fraud

Accountcreation

Accountcreation

Accouncreation

Accounttakeover

Digitaldocument

forgeries

Digitaldocument

forgeries

Digitaldocument

forgeries

Accounttakeover

Accounttakeover

Physicaldocumentforgeries

Chargoback

Chargeback

Physicaldocumentforgories

Accounttakeover

Socialengineering

Biometricspoofing

Chargeback

Deepfakebiometric

Credentialsufing

Physicaldocumentforgeries

Socialengineering

Chargeback

Physicaldocumentforgeries

Credentialstufing

Syntheticidentity

Biometricspoofing

Blometriespoofing

Socialenginering

Biometriespoofing

Syntheticidentity

Deepfakebiometric

Deepfakebiometric

Credentialstuffing

Socialengineering

Syntheticidentity

Syntheticidentity

Deepfakebiometric

Credentiolstuffing

SIMswapping

SIMswapping

SIMswapping

SIMswapping

n=304n=208n=686n=215

Whattypesoffraudrelatedtoidentityverification/userauthenticationaremostcommonforyour

organizationinthecustomertransactionprocess?Pleaseclicktorankupto3thathappenregularly,startingwiththemostfrequent.

Industryfindings

ldentityfraudcostsorganizationsanaverage

of$7millionperyear

Thebankingandfinance

industryreportedthe

highestdirectidentityfraudcosts.(51%reportedannualdirectcostsover$1M)

Manyorganizationsbelievethecostsassociatedwithidentityfraudaresimplythepriceofdoingbusiness,butthatpriceisrisingeachday.Organizationsregularlyfaceexpensesoverseven

figuresduetothedirectcostsofchargebacks,refunds,andotherfinanciallossesandtheindirectcostsassociatedwithdedicatingvaluableemployeeresourcestoidentifyandremedyfraudulenttransactionsandaddressbrandandreputationaldamage.Ourresearchrevealedthat:

Theprofessionalservices

industryreportedthehighestindirectidentityfraudcosts.(20%reportedannual

indirectcostsover$1M)

41%

oforganizationshaveanannualdirect

identityfraudcostover$1million.

15%

oforganizationshaveanannualindirect

identityfraudcostover$1million.

Largerorganizations-whichhandlemorecustomers,data,andrevenue-seeevenhighercosts.

·Organizationswithover5,000employeeshaveanannualdirectidentityfraudcostof$13milliononaverage.Additionally,28%oftheseorganizationshaveanannualindirectidentityfraudcostover$1million.

·Andthecostsgrowbymultiplesasthesizeoforganizationsincrease.Amongorganizationswithover10,000employees,20%haveannualdirectandindirectidentityfraudcostsover$50million.

Largeorganizationsseehigherdirectidentityfraudcosts

500orlessemployees54,000medianannualtransactions

500-4,999employees

180,000medianannualtransactions

5,000-9,999employees

504,000medianannualtransactions

10,000+employees

720,000medianannualtransactions

S500,000-$999,999

43%

23%

11%16%

17%

50%

17%4%

30%7%

19%

20%

20%

18%

Lessthan$100,000

S100,000-

S499,999

$10M

ormore

S1M-

59.9M

46%

11%

7%

0%

100%

22%

25%

38%

75%

16%

13%

Ifyouhadtoestimate,whatistheapproximateannualdirectfinancialcostofcustomerfraudforyourorganization?Bydirectfinancialcost,wemeantheamountofmoneylostbecauseoffraud,regardlessofwhetheryou'recompensatedbyinsurance.

Attheindustrylevel,bankingandfinancefacethehighestdirectcostsofidentityfraud.Thisisbecausefraudsterscreatefakeaccountsatthecustomeronboardingstage,whichallowsthemaccesstomonetaryservices,orgainaccesstolegitimateaccountsduringalaterstageofthecustomerlifecycleanddrainthemoffunds.Inbothscenarios,thetargetedbusinesslosesmoneydirectlyorhastopaybackthegenuinecustomer.

Theprofessionalservicesindustryseesthehighestindirectcostsofidentityfraud.Identityfraudismorelikelytoaffectthesebusinesses'brandreputationsandcustomertrust,whichdrivesawayfuturerevenueandresultsinsignificantindirectcosts.

TheFutureofGlobalIdentityVerification7

TheFutureofGlobalIdentityVerification8

66%

oforganizationssurveyedbelievecustomer

experienceandidentityfraudpreventionare

competingpriorities.

oforganizations

45%

surveyedprioritize

customerexperienceoverfraudprevention.

58%

oforganizationssurveyedareconcernedtheywillfrustratecustomersandincreaseabandonment

ratesiftheyincrease

identityfraudprevention.

Regionalfindings

APACisevenmore

concernedaboutthe

frictionbetweencustomerexperienceandidentity

fraudprevention,with

oforganizations

80%

agreeingtheyare

competingpriorities.

Customersincreasinglyexpectfrictionlessexperiences

79%oforganizationssurveyedagreethatcustomerexperienceisveryimportanttotheirsuccess.

Businessesareunderpressuretodelivereasy,convenient,andcompetitivedigitalexperienceswhilealsokeepingcustomerinformationsecure.Forinstance,manycustomersexpectpersonalized

experiences,mobile-friendlytransactions,andpre-populatedformswithinformationthey'vealreadyprovided,buttheyalsoassumetheirdatawillremainsafethroughouttheseinteractions.Many

organizationsstruggletobalancetheseaims.

However,approachestobalancingidentityfraudpreventionandcustomerexperiencevaryacrossregions,industries,andgenerations.TheITandbankingandfinanceindustriesare

morelikelytoputcustomersthroughintenseauthenticationmeasurestoprotectconfidentialdataandhigh-valuetransactions,respectively,evenwhenthemeasurescreatemorefriction.

MillennialandGenZdecision-makers,whoaremoreaccustomedtodigitalidentityverificationchecks,expectexceptionaluserexperiencesandsecurityduringdigitaltransactions-andaredrivingtechinnovationasaresult.

Overall,businessesthatuseIDVare2xmoresatisfiedthan

businessesthatdonotuseIDV,andtendtofindtheirfraudpreventionmethodssignificantlymoreeffective.

Keytakeaway

Managingincreasingidentityfraudattemptswhiledeliveringafrictionlessexperienceisa

growingchallenge,butIDVhelpsorganizationsreduceidentityfraudwhiledeliveringgreater

organizationalsatisfaction.Businessesthatuseoutdatedorinsufficienttechnologiestomitigatetheriskofidentityfraudwillstruggletodefendagainstcomplexidentityfraudtechniquesor

keeppacewithnewthreats.

TheFutureofGlobalIdentityVerification9

ldentityfraudoccursthroughoutthecustomerjourney

ldentityfraudoccursthroughoutthecustomerjourney,butorganizationsmostoftendetectitattheearlystagesofloginandpaymentauthorization.

OrganizationsthatuseIDVareevenmorelikelytolearnaboutidentityfraudattemptsearlyduringtransactions,improvingtheirchancesofpreventingormitigatingdamage.

IDVusersaremorelikelythannon-userstodiscoverfraudatearlystagesofcustomerjourney

Accountcreation/registration

Login/AuthenticationPaymentAuthorization

51%%

Transaction/Checkout

37%

Orderfulfillment/Shipping

29%

Refunds/Chargebacks

31%

CustomerSupportInteractionsInternalAccounting

In-depthaudit/forensicanalysis

16%

0%20%40%60%

43%

29%

39%

56%

39%

33%

55%

n=1,413CurrentIDVUsersNon-IDVUsers

Atwhatpointinthetransactionprocessdoesyourorganizationtypicallylearnthatafraudulenttransactionhasoccurred?Theoptionslistedbelowareindescendingorderfrominitialcustomer

interactionstopost-customerengagementprocessing.

Whenaskedwhichauthenticationtoolsareassociatedwiththemostidentityfraud,businessesselectedusernameandpasswordauthenticationastheweakestmethod.Thiscouldbe

becauseusernamesandpasswordsareeasilycompromised,pronetodatabreaches,andlackmulti-factorauthentication.In2024,stolencredentialslikeusernameandpasswordwerethemostcommonsourceofdatabreachincidents.1

1“2024DataBreachInvestigationsReport,”VerizonBusiness.

TheFutureofGlobalIdentityVerification10

OrganizationsthatuseIDV,onaverage,catchidentityfraudattemptsin

20%

morestagesofthecustomerjourneythannon-users.

Identityfraudoccursmostwhenusernameandpasswordalonetheauthenticationmethod

ldentityFraudisMoreCommonWithThisTechnique

is

Username&passwordauthentication

Sign-inlinkviaemail,SMS,orpushnotification

ManuallycheckingIDovertheinternet

SSOorthroughatrustedidentity

providerDigitaldentitydocumentverification

MFAusingSMS/text

ManuallycheckingIDverificationin-person

Knowledge-BasedAuthentication

MachineReadableZone/BarcodeScansforIDs

MFAusingauthenticatorappOtherBiometricDetection

FacialBiometricLivenessDetectionn=1413

Foreachofthetypesofuserauthtootherauthenticationtypes.

51%

39%

%60%

fraudcompared

35%

34%

30%

30%

29%

28%

24%

24%

23%

21%

0%20%40

entication,pleaseindicatehowoftenyousee

Thesurveyalsorevealedthatthemoredigitaltransactionsanorganizationhandles,thegreaterthelikelihoodofthemfindingfraudacrossavarietyofauthenticationmethods.

Paymentauthorizationandloginarethemostcommonstagestodiscoverfraudacrossindustries

IT

Banking

&Finance

Retail

&eCommerce

ProfessionalHeathcare&Education&

ServicesLifeSciencesGovernment

Payment

Authorization

Login/

Authentieation

Transaction/

Checkout

Account

Creation

Refunds/Chargebacks

InternalAccounting

CustomerSupport

Fulfllment/Shipping

Audit/ForensicAnalysis

Payment

Authorzation

Login/

Authentication

InternalAccounting

AccountCreation

Fufilment/Shipping

Refunds/Chargobacks

Transaction/

Checkout

CustomerSupport

Audit/Forensic

Analysis

Login/

Authentication

Payment

Authorization

Login/

Authentication

Payment

Authorization

Payment

Authorization

Refunds/

Chargebacks

Payment

Authorization

Login/

Authentiecation

Transaction/

Checkout

Login/

Authentication

Refunds/

Chargebacks

Transaction/Chaeckout

AccountCreation

Transaction/

Checkout

AccountCreation

CustomerSupport

Refunds/

Chargebacks

CustomerSupport

CustomerSupport

InternalAccounting

CustomerSupport

Internal

Accounting

Transaction/

Checkout

AccountCreation

Internal

Accounting

AccountCreation

Internal

Accounting

Refunds/Chargebacks

Fufllment/Shipping

Fulfllment/Shipping

Audit/Forensic

Analysis

Fufilment/Shipping

Audit/ForensicAnalysis

Audit/ForensicAnalysis

Fulfillment/Shipping

Audit/ForensicAnalysis

n=216n=181n=144n=96n=94n=99

Atwhatpointsinthetransactionprocessdoesyourorganizationlearnthatafraudulenttransactionhasoccurred?

TheFutureofGlobalIdentityVerification11

TheFutureofGlobalIdentityVerification12

Generationalfindings

AmongITandbusiness

decision-makers,millennialandGenZleadersaremorelikelytouseIDVthanbabyboomersorGenX.Theyarealsomorelikelytoratetheirorganizationas“verygood”intheiranti-fraudapproach.

Usernameandpasswordistheauthenticationmethodassociatedwiththemostfraudacrossregions

NAMLATAMEMEAAPAC

Username&Password

Username&Password

Username&Password

Username&Password

Sig-inLink

Sign-inLink

Sign-inLink

ManualIDChecksoverlnternet

sSO(SingleSign-On)

sSO(SingleSign-0n)

ManulIDChecksoverInternet

Sign-inLink

In-personIDCheck

ManualIDChecksoverInternet

sSO(SingloSign-On)

DigitalIDVerification

ManualIDChecksovrlnternet

DigitalDVeificotion

KBA

MFAW/AuthenticatorApp

MFAw/Push

Notifications

MFAw/Push

Notifications

In-personIDCheck

MFAw/Push

Notifications

DigitalIDVeification

In-personIDCheck

DigitalIDVrification

sSO(SingleSign-On)

KBA

MRZw/AuthenticatorApp

MFAw/Push

Notifications

KBA

MFAW/AuthenticatoApp

MFAw/AuthenticatorApp

MRZ/BarcodeScans

MRZ/BarcodeScans

OtherBiometrieDetection

OtherBiometrieDetection

LivenessDetection

OtherBiometrieDetection

MRZ/BarcodeScans

KBA

OtherBiometricDetection

In-personIDCheck

LivenessDetection

LivenessDetection

MFAw/AuthenticatorApp

LivenessDetection

n=304n=208n=686n=215

Fraudismuchmorecommonthanaveragewiththistechnique.

Keytakeaway

Usernameandpasswordisthemostvulnerableauthenticationmethod,butevenMFAisn'tsufficienttoprotectagainstincreasinglycomplicatedidentityfraudattempts.AdvancedformsofIDVlikebiometricauthenticationanddocumentverificationareessentialtostayaheadoffraudsters.

TheFutureofGlobalIdentityVerification13

Theaverageorganizationhassavedmorethan

million

intotabypreventing

fraudwithanIDVsolution.

SignificantinvestmentinIDV

hasrealresults

ButdeployinganIDVsolutionisonlythefirststep.BusinessesthatseethegreatestresultsplaceintensefocusontheirsecuritybyinvestingsignificantlymorethantheirpeersinIDV.Additionally,businessesthatinvestmoremaketheirorganizationalessattractivetargettofraudsters,

creatingacompetitiveadvantage.

OrganizationsthatreportinvestingsignificantlymorethantheirpeersinIDV:

Savemore

15x

morelikelytohavesavedover$1millionintotalthanthosewhoinvested

somewhatmorethantheirpeers.

2.2x

morelikelytohavesavedover$1millionintotalthanthosewhoinvestedthe

sameorlessthantheirpeers.

Lowertheamountofidentityfraud

1.7x

morelikelytohavesuccessfullyreducedasignificantamountofidentityfraud.

ContinuetoinvestinIDV

2.8x

morelikelytoplantoinvestmoreinIDV

Havegreaterinternaland

customersatisfaction

4x

morelikelytobeverysatisfiedwiththeIDVsolutionstheyuse.

16x

morelikelytohavehadapositiveimpactontheirbrand.

Aremorecompetitive

2.7x

morelikelytobelievetheyhaveacompetitiveadvantage.

Thedataimpliescustomers

placemoretrustinbusinessesthatgoaboveandbeyondtoprotecttheirpersonaldata.

77%

oforganizationsthat

investedsignificantly

moreinidentity

verificationtechnologiestha