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Digital trust refers to the confidence that customers, businesses, and other stakeholders have in the integrity, security, privacy, and reliability of digital systems, technologies, and interactions.
Digital trust tools help verify a person or organization’s identity, which in turn enhances privacy, security, and transparency. It can include the use of tools and technology such as digital credentials, digital wallets, networks, and modern ID verification and authentication platforms.
Layered ID verification is a comprehensive approach to verifying a person's identity using multiple methods and technologies to ensure the highest level of accuracy and security. The process involves the verification of ID across multiple, independent data points such as document authentication, financial credentials, biometric recognition, provincial credentials, utility bills or residency checks, and credit bureau details to create a robust defense against fraud and identity theft. Each layer provides an additional checkpoint that must be passed before an organization enters into a service agreement with a prospective client.
Layered ID verification not only enhances security but also improves user trust and compliance with regulatory standards such as KYC (Know Your Client). It ensures that even if one layer is compromised, the subsequent layers continue to protect the identity verification process.
Automated ID verification is safer than traditional paper-based processes because it leverages advanced technology (such as artificial intelligence (AI), machine learning (ML), and biometrics) to enhance accuracy, security and efficiency, while significantly reducing the risk of human error and identity theft or fraud. These platforms can also instantly cross-check information against multiple databases, ensuring that the provided identity is genuine and not tampered with.
FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) and KYC (Know Your Customer) are regulatory requirements aimed at preventing financial crimes such as money laundering, terrorism financing, and identity theft and fraud.
FINTRAC is Canada's financial intelligence unit. It oversees compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), which mandates that certain businesses, including financial institutions, casinos, and real estate companies, adhere to strict reporting and record-keeping requirements.
KYC processes are essential for businesses to comply with FINTRAC regulations. By gathering and validating information about a customer's identity, financial background, and risk level, KYC helps organizations ensure the legitimacy of their transactions and maintain compliance with regulatory standards.
Organizations like DIACC (Digital Identification and Authentication Council of Canada) are working hard to protect and promote Canadian values and perspectives in the digital economy.
Oliu is the first Canadian organization to achieve the DIACC PCTF Certification.
The DIACC PCTF Certification is the first and only program that assesses whether or not digital identity services are conformant to Pan-Canadian Trust Framework™ (PCTF) requirements. Based on the conformity assessment process results, DIACC has issued a three-year cycle Trustmark subject to annual surveillance audits and added ATB Oliu to the DIACC Trusted List – an authoritative trust registry of DIACC PCTF-certified service providers.
Oliu’s completion of this rigorous and comprehensive certification signals our commitment to security, consistency, interoperability, and alignment with international standards and regulations. You can read more about the certification here.
Yes! Oliu is the only provider that can use provincial credentials like an Alberta.ca Account or the BC Person Credential to verify identity. You can learn more about our partnership with the Government of Alberta here.
Yes! Oliu performs both liveness and biometric checks during the ID verification process.
Biometric or liveness checks in ID verification refer to advanced methods used to confirm that the person presenting the identification is the legitimate holder and is physically present. Biometrics involve analyzing unique physical characteristics, such as facial features, fingerprints, or iris patterns, to match the individual's data with stored biometric data in real-time. Liveness checks add an extra layer of security by ensuring that the biometric data is being captured from a live person rather than a static image or a fake representation.
No. Oliu does not store any of the Personally identifiable information (PII) involved in identity verification processes.
Oliu supports the following documents for identity verification:
