Risk and fraud reduction require a better understanding of who your customers are.  Many organizations have stringent regulations, e.g. Banks and Know Your Customer (KYC). Customers, employees and citizens have extensive digital profiles, accounts and passwords resulting in a poor user experience and security vulnerabilities. Integrate onboarding and verification services at the highest level of trust as established by eIDAS (EU 2015) and ISO/IEC 29115 standards.

Including two different categories of authentication factors and protection against duplication and tampering by attackers with high attack potential (e.g., embed cryptographic key material in tamper-resistant hardware token + PIN, biometrics with liveness detection + PIN/smart card).