Identity verification

Identity verification

Secure digital identity verification

Create certainty with Mitek’s industry leading solutions

Be confident that users are who they say they are. Mitek’s robust, end-to-end identity verification solution is designed to transform the customer experience and establish trust effortlessly. Our cutting-edge platform offers a seamless and secure onboarding process, optimizing conversions, and minimizing friction across the customer lifecycle. Mitek's flexible solutions can also integrate easily with your existing IDV process and systems to deliver a smooth and intuitive customer experience.

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Verification technology

Cutting edge document, image, & voice capture technology for identity verification. Guided onboarding journey and intuitive capture experience.

Multimodal authentication

Requirement of multiple factors to verify a user's identity, with step-up authentication based on transaction and risk. 

Biometrics

Top performing face and voice comparison algorithms, including passive liveness detection, and proven for demographical balance.

MiVIP

MITEK VERIFIED IDENTITY PLATFORM

Our low code digital identity verification solution makes it easy to verify your customers and detect fraud and identity theft in real time. Integrate our sophisticated ID verification platform seamlessly into your existing systems to build an intuitive customer experience faster.

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Instant Mobile Verification Demonstration

Efficiency means results

95%
Acceptance rate*

Capture

Ensure the user captures a high-quality image with the first attempt

92%
Approval rate*

Verify

Confirm the identity document is unaltered and genuine

99%
Match rate*

Prove

Establish a trusted real-world identity profile by connecting the user to the identity document

Breaking down the innovation that builds digital business

The entire process occurs within seconds, which translates to faster approvals, increased trust in the digital platform and an improved the AML/KYC compliance process. Identity verification HOW IT HAPPENS Through video frame analysis, Mitek’s MiSnap™ evaluates conditions to interactively guide users through commands as they hover their smartphones over their ID documents. The first attempt is usually successful, which encourages widespread, rapid user adoption as well as a higher acceptance Document capture Once the image is submitted, Mobile Verify® uses computer vision (CV) algorithms to match the ID document to one of the thousands of formats of government-issued IDs from around the globe help in the Mitek repository. Document classification Through a combination of computer vision techniques, optical character recognition (OCR) and rules, Mobile Verify® compares the structure of the captured identity document against the corresponding document in Mitek’s repository. Components such as printed bio-data, PDF418 barcode or the MRZ are then accurately extracted and evaluated for consistency. Data extraction Hundreds of AI-based analytics are applied, each examining the document in a different way to determine if the ID document is original and unaltered. Mobile Verify® also uses ensemble modeling for both authentication and decision-making, which provides accurate predictive results.  Document authentication Mobile Verify® uses biometric facial comparison algorithms to automatically match the portrait extracted from the ID document as its rightful owner. This is substantiated by both “passive” and “active” anti-spoofing techniques. Biometric facial comparison
Identity verification The entire process occurs within seconds, which translates to faster approvals, increased trust in the digital platform and an improved the AML/KYC compliance process. Biometric facial comparison Mobile Verify® uses biometric facial comparison algorithms to automatically match the portrait extracted from the ID document as its rightful owner. This is substantiated by both “passive” and “active” anti-spoofing techniques. Document authentication Hundreds of AI-based analytics are applied, each examining the document in a different way to determine if the ID document is original and unaltered. Mobile Verify® also uses ensemble modeling for both authentication and decision-making, which provides accurate predictive results.  Document classification Once the image is submitted, Mobile Verify® uses computer vision (CV) algorithms to match the ID document to one of the thousands of formats of government-issued IDs from around the globe help in the Mitek repository. Data extraction Through a combination of computer vision techniques, optical character recognition (OCR) and rules, Mobile Verify® compares the structure of the captured identity document against the corresponding document in Mitek’s repository. Components such as printed bio-data, PDF418 barcode or the MRZ are then accurately extracted and evaluated for consistency. Document capture Through video frame analysis, Mitek’s MiSnap™ evaluates conditions to interactively guide users through commands as they hover their smartphones over their ID documents. The first attempt is usually successful, which encourages widespread, rapid user adoption as well as a higher acceptance rate.

How it's Built

ID data analysis, fully automated ML techniques, in-house ID expertise

While ML algorithms crunch mass quantities of data, Mitek’s ID document experts and data scientists investigate new trends and ways to improve performance. Combined they lead to fully automated forgery detection techniques.

Simultaneous AI-powered development and production systems

Run in parallel, these systems enableMobile Verify® to drive a rapid iteration cycle of continuous adaptation and improvement.

Client success studies

Virgin Money

Vanquis Bank

NatWest

Virgin Money

Objective
Virgin Money sought to improve its customer experience by transitioning to a fully digital onboarding process. Manual and offline steps were causing friction for customers, which they aimed to eliminate.

Solution
Virgin Money utilized MiVIP's platform to digitize their onboarding process. The integration of features like selfie capture, liveness detection, ID validation, facial biometrics, address proofing, and geolocation into Virgin Money's system streamlined the customer journey and increased security.

Results
Through MiVIP's solution, Virgin Money successfully created a seamless digital onboarding experience, eradicating manual steps and offline processes. This bolstered customer confidence in their services' safety and security while enhancing user experience. The successful transition to a digital-first approach reinforced Virgin Money's position as a disruptive force in the banking sector.

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Virgin_Money_VUK

“Our smart digital tools put our customers in control and the HooYu [now Mitek] journey helps our customers to successfully pass KYC where traditional name and address checks fail.”

Linda Robertson
Head of Digital Customer Experience
Virgin Money

Vanquis Bank

Objective
Vanquis was concerned that existing customers trying to perform actions on their account such as address changes, were sometimes experiencing delays that stretched for weeks at a time while the verification was being made manually. They recognised that they needed a solution that could quickly and securely perform additional identity proofing for potentially high-risk actions on customer accounts with very low friction to meet changing customer expectations.

Solution
By implementing Mitek’s automatic ID document validation solution, Vanquis Bank has been able to speed up customer lifecycle management and improve the customer experience, enabling them to achieve the frictionless and successful onboarding they needed for their customers.

Results
Achieving and maintaining high completion rates was a key objective, and Vanquis has been able to achieve a journey completion rate of 75% at first attempt. More than 90% of customers complete on mobile devices at onboarding and more than 97% when requesting customer lifecycle actions that require reverification: a figure that is helped by journey requests being sent via SMS.

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Vanquis_Bank_transparent_logo

“Our agents deal with thousands of customers a day and now what could have been a delay of weeks for our customers, can be achieved in a matter of minutes.”

Sue Singleton
Process Change Assurance Manager
Vanquis Bank

NatWest

Objective
Many NatWest customers were failing database checks intended to confirm personal information. NatWest’s legacy process required customers to visit a branch in-person or upload ID documents. Scores of customers abandoned their applications rather than complete this time-consuming and inconvenient process.  NatWest needed a seamless solution that allowed customers to provide documentation in real-time.

Solution
NatWest and Mitek worked together to implement an automated verification process in the bank’s app. The two companies tested the solution extensively to ensure that it made the process quicker and more convenient for customers. With Mitek’s help, the NatWest app can now verify applicants’ locations and identities in minutes.

Results
As a direct result of Mitek’s work, NatWest: 

  • Significantly increased application conversion rates 
  • Reduced account opening time to as little as four minutes
  • Decreased physical branch footprint due to mobile banking
  • Substantially reduced the number of fraudulent applications

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NatWest_Logo_Card

“With Mitek’s help, we were able to make the account opening process easier, safer, and faster for our customers.”

Frans Woelders
Chief Digital Officer
NatWest