February 16, 2018
February 15, 2018
February 12, 2018
This immigration agency needed a clearer view of international applicants’ true identity to protect the country’s borders.
With ThreatMetrix, the agency can accurately determine the level of risk for each online application. This has allowed more accurate identification of applicants before an application is processed. The agency can therefore:
Applications for this government agency are often completed online, in overseas locations where true identification cannot be validated without physical and arduous verification methods which cost the government a large sum of money. Even with physical and onsite interviews, the agency often does not have a full picture of the user’s history or true identity. This poses potential issues if an inaccurate decision or approval is made, allowing fraudsters or terrorists to successfully apply.
Political uncertainty, cross-border travel and the growth of the digital economy has exposed government agencies to evolving threats from terrorism, espionage and online fraud activities.
One of the key challenges this government agency faced was the wide diversity of its applicants. People were applying from diverse global locations and each applicant needed rigorous assessment via physical interviews. However, the agency did not have any visibility of the applicant’s digital identity data. High-risk applicants were potentially going to slip through the process and the tolerance for this to happen was very low.
Fraud was on the rise across other government agencies. This agency was seen as the gateway to the nation’s borders and it was therefore imperative that it could identify anomalous personas or behavior right from the outset of an online application. The agency needed a way of combining the static identity assessment data it sourced internally from other agencies, with dynamic, real-time global digital identity data about the connecting user’s device, location and behavioral profile.
The government agency’s business model was able to move from a more physical and manual approval process to a more robust automated model that could provide fast concise and frictionless identification of anomalous activity by entities originating locally and internationally. The key requirement delivered by ThreatMetrix was delivering a frictionless and fast application approval process underpinned by real-time global identity data.
The ThreatMetrix solution passively authenticates application in real time using intelligence from the ThreatMetrix Digital Identity Network, eliminating unnecessary friction and maintaining a streamlined online experience.
The ThreatMetrix solution is underpinned by the Digital Identity Network, which harnesses global shared intelligence from millions of daily consumer interactions including logins, payments and new account applications. Using this information, ThreatMetrix creates a unique digital identity for each user by analyzing the myriad connections between devices, locations and anonymized personal information. The government agency could understand the complete context of every loan application so that suspicious behavior was detected in real time.
Digital Identities are created by combining the following key intelligence:
This government agency’s pioneering approach to understanding true user identity in the application process has been supported by the following key ThreatMetrix capabilities: