PRODUCT

Identity Verification 2.0 (IDV 2.0)

From identity verification to behavioral insight, startingat onboarding

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As credit enquiry volumes rise in the Philippines, so does identity instability. In this fast-paced environment, consumers expect speed, lenders require control and regulators demand proof. Identity Verification 2.0 (IDV 2.0) addresses these needs at once — powered by TransUnion® bureau data to combine attribute-level matching, an Identity Confidence Index and behavioral signals into one view of trust.

BENEFITS

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Segment risk earlier

Score each applicant's identity up front — enabling you to fast-track confident matches and route questionable ones for further verification.

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Approve strong applicants faster

Move reliable identities straight through so fewer applications need manual review and decisions land sooner.

Detect identity-enabled fraud

Catch synthetic identities, third-party identity theft and the contact changes that often precede account takeover.

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Back decisions with an audit trail

Work from traceable, explainable outputs that align with the BSP’s direction on stronger fraud controls.

PRODUCT FEATURES

Identity Confidence Index (ICI)

A granular 0–100 confidence score with component match percentages across identity, address and contact records. You set the thresholds to suit your routing policy — while ‘file since,’ ‘last reported’ and ‘reported via’ values in every output establish a verifiable record for regulatory audit.

Out-of-pattern indicators

Evaluates 12 standard attributes, tracking anomalies in phone, address, email and employment histories over three- and six-month windows. This flags identity instability frequently associated with manufactured identities and social engineering.

Zero footprint check

Retrieves TransUnion bureau data through a soft pull — with no impact on the consumer’s credit profile — enabling quick, friction-right verification without adding unnecessary steps.

Optional high-risk attributes

Offers access to an additional 23 high-risk attributes for enhanced screening, available via a separate subscription.

Performance

Over 65% — identity straight-through processing (STP) rate
Approximately 45% — approval STP rate
From 3.2% to 2.4% — early bad-rate reduction when high and medium ICI banding is applied, retaining approximately 65% of volume

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