In the world of identity proofing, there are data-centric approaches and there are ID-centric approaches. Data-centric approaches rely on static data (e.g., a person’s self-reported name, address and Social Security number) and this information is corroborated against a third-party database to “verify” a person’s real-world identity. Unfortunately, these methods are no longer reliable thanks to recent data breaches, the dark web and social engineering where fraudsters can access PII data and impersonate legitimate consumers.
Document-centric approaches, on the other hand, rely on consumers remotely submitting pictures of government-issued ID documents, such as a passport or driver's license, along with a corroborating selfie, to verify their digital identity. But, it really does not need to be an either/or scenario.
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