automated underwriting
Providing for the digitalization of common underwriting processes, IDVerifact provides a single platform to manage digital lending application through an automated straight-through process to automate underwriting, adjudication and decisioning processes.
know your customer
AGE VERIFICATION
- Driver’s License
- Birth Certificate
- Passport
- Banking – Bank Supported Credential
- Banking – Transaction Aggregator
LOCATION BEHAVIOUR
- GPS Data
- Cellular Sensors
- Bluetooth Sensors
- Wi-Fi Scanning
IDENTITY VALIDATION
- Passport
- Driver’s License
- Driver’s License Department of Defence
- Permanent Resident Card
- Citizenship Card (prior to 2012)
- Secure Certificate of Indian Status
- British Columbia Services Card
- Provincial or Territory Identity Cards
- Global Entry and Nexus
- Record of Landing
- Green Card
- Credit Bureau Challenge Questions
DEVICE IP
- IP Address
EMAIL VERIFICATION
- Email Address Indicators
EMPLOYMENT VERIFICATION
- Employment Letter
- Pay Stubs
- Bank Statement
- Banking – Transaction Aggregator
- Employer Reference Check (Outbound)
- Digital Employment Verification
- Employment Payroll
credit bureau – Risk Assessment
- Consumer Credit File
- iDecision from Equifax
- Business Credit Report
- Business Failure Disk Score
- Commercial Delinquency Score
ADDRESS VERIFICATION
- Driver’s License
- Telco Address Verification
- Address reference check
- Banking – Transaction Aggregator
- Credit bureau address verification
- Document based address verification
- Banking – Bank Supported Credential
BIOMETRIC VALIDATION
- Facial
- Fingerprint
- Voice
- Iris
- Behavioural Biometrics
PHONE VERIFICATION
- Phone Number Social KYC
- Phone Number Basic Check
- Phone Number Device and SIM
- Device Location
COLLECTIVE INTELLIGENCE
- Email Phone IP Combination Detection
BIOMETRIC IDENTITY STEP UP
- Facial
- Fingerprint
- Voice
- Iris
- Behavioural Biometrics
INCOME VERIFICATION
- Pay Stubs
- Notice of Assessment summary
- Notice of assessment detail
- Bank Account based verification
- Employer Outbound Call
- Bank Statement
- Employment Letter
- Employment Payroll