Tag

digital identity

Dec 31
0

Digital trust: Reflections on 2025 and outlook for 2026

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2025 has been a pivotal year for digital trust with record levels of adoption for digital identity and biometric solutions supported by important state regulation that aims to make the internet a safer place, including regulation to restrict adult and age-inappropriate content to children.

Alongside this, 2025 has witnessed an explosion of AI driven attacks on digital trust infrastructure, leading to record levels of fraud. The availability of easy-to-use AI tools that create fake identity documents and generate deepfake videos are challenging identity verification and biometric authentication solutions. It is looking like 2025 has been a boom time for fraud. Based on reports from financial institutions and fraud prevention services, 2025 has seen an increase in both the volume and total amount of money lost to fraud. In the UK, criminals stole £629.3 million in the first half of 2025 alone across 2.09 million confirmed cases in the UK, a 17 percent increase in cases compared to the same period in 2024. Thankfully, the industry has stepped up and is counteracting these threats with tools that accurately identify people, detect fake documents and deepfake videos. These tools, in addition to solutions that detect injection attacks, are being deployed across the board and integrated into the workflow for important identity verification and  anti-fraud processes to ensure that the identity documents presented are authentic and in the hands of their legitimate owners.

As we head into 2026, it is vital that the industry gets access to reliable and up-to-date information on the latest developments in digital trust. To help you navigate through this, Biometric Update and Goode have teamed up to develop reports that educate and inform, allowing you to make decisions that best suit your business. Our reports of 2025 have covered the hot topics for the digital trust industry with detailed analysis of liveness detection, online age assurance, deepfake detection and digital identity verification.

To read the full article go to the Biometric Update website here.

Jan 13
0

Biometrics for Payments – Continuous Innovation in Payment Security

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Continuous innovation in payment security is necessary to counteract fraud and to support smooth customer journeys across new payment channels and biometrics is being increasingly adopted to support these aims.

Payment fraud levels have been rising significantly. In the first quarter of 2024, the UK’s Financial Ombudsman Service reported a record high of 8,734 fraud and scam complaints, with over half related to authorised push payment (APP) scams. In Europe, the European Banking Authority (EBA) and the European Central Bank (ECB) reported that payment fraud in the European Economic Area amounted to €4.3 billion in 2022 and €2.0 billion in the first half of 2023. Payment fraud levels in the USA have also been notably high. In 2023, 80 percent of organisations experienced payment fraud attacks or attempts, a significant increase from the previous year. Additionally, consumers reported losing over $10 billion to various fraud schemes, with investment scams leading the losses at more than $4.6 billion. Credit card fraud remains a major issue, affecting 60% of U.S. credit card holders[1]. In 2023, 52 million Americans experienced fraudulent charges on their credit or debit cards, totalling over $5 billion.

Innovation in payment security has a positive impact in reducing fraud. This is proven. The introduction of Strong Customer Authentication (SCA) under the revised EU Payment Services Directive (PSD2) in January 2021 has had a significant impact on reducing payment fraud. According to a joint report by the European Banking Authority (EBA) and the European Central Bank (ECB), the total value of fraudulent transactions in the European Economic Area (EEA) was €4.3 billion in 2022, but it decreased to €2.0 billion in the first half of 2023 after SCA was deployed.

Similarly, the introduction of Chip and PIN technology to payment cards has significantly reduced payment card fraud, particularly counterfeit fraud. According to reports[i], the implementation of EMV chip cards has led to a 54% reduction in counterfeit fraud costs for retailers who have completed or are close to completing the transition to EMV technology. Additionally, some card issuers have reported an average reduction of 50% in counterfeit losses since the deployment of EMV chip cards[ii].

My own experience of working in payment security for companies such as HSBC, Citibank, and BACS (UK payment system) mirrors this. My work in developing PKI-based security solutions for these financial services providers has enabled me to see how well-designed and deployed security solutions can reduce fraud and improve usability.

I use my own industry and technology experience when researching and evaluating security technology at Goode Intelligence. In my latest report covering the market for biometric technology for payments[iii], I have used my industry experience to evaluate the market for biometric technology in the payments sector. Fundamental to this work was an exercise to determine a typical end-to-end payment process and then map where biometrics is being used to support modern methods of payment delivery and to counteract fraud attacks, increasingly AI-driven.

In the report, I segmented a typical consumer payment process into three main parts (end-to-end lifecycle), from onboarding payment customers (Identity Verification), payment transacting, and fraud management.

The report discovers that biometrics are ubiquitous in all parts of the payment process and are being used to support all three main parts of the payment process:

  1. To prove a new payment customer’s identity when onboarding (Identity Verification);
  2. To authenticate a payment user for both digital and physical payments, to approve higher-risk / higher-value payments (step-up or re-verification); and
  3. To detect and prevent fraud.

To support this model, payment service providers are turning to the most appropriate biometric modality to match the specific requirements of the payment process and payment channel. For instance, face liveness and matching for onboarding, on-device fingerprint authentication for eCommerce payment authentication and palm authentication for physical (POS) payment authentication, server-side face biometrics to support higher-risk / higher-value payments, and behavioral biometrics to support risk-based orchestration models and fraud management platforms.

Outside of these core payment processes are other applications that are emerging and leverage biometric technology. This includes age assurance, where as part of the payment process for age-restricted goods and services (adult content, alcohol, medicines, and knives), biometric technology is used to prove age.

The report also delves into the impact of emerging digital identity technology. There are scenarios where emerging digital identity solutions, including Digital Identity Wallets and Verifiable Credentials (VCs), are used to support the payment processes. Verified credentials, including PII such as data-of-birth, contained in a digital identity wallet can be used prove identity and to authorise restricted goods / service payments. Access to the wallet can be controlled through liveness checks and biometric authentication. I explored the symbiosis between digital identity and payment In the 2024 Goode Intelligence market analyst and forecast report, “Travel Digital Identity – Seamless Travel Powered by Digital Identity”[i] where a digital identity issued by an Identity Services Provider or an Airline, in partnership with airports, can be used at the airport to facilitate payments.

The same model can be applied to sports stadia. For the sports market, there are also examples where branded biometric cards can be used to support ticketing, loyalty, and payment.

An important question that the report attempts to answer is whether biometric technology has the ability to turbocharge future payment services that forego the use of a payment token (card or smart mobile device) – tokenless or naked payments, where a biometric sensor is embedded into a payment (POS) terminal. This is enabling new channels to open up, including automotive (in-car payments) where the ability to make a payment whilst driving is supported by, largely, touch-free biometric payments including face and voice.

The report predicts that there is a bright future for tokenless biometric payments. With ever increasing improvements in the performance of biometric systems they could become good enough to be used on their own without a token to authenticate customers and approve payment transactions – the pay by me revolution. When this will become dominant and replace token-based payments is currently difficult to answer but we are forecasting that by 2030, 337 million people globally will use tokenless payment solutions. The emergence of Amazon One, J.P. Morgan’s partnership with PopID,  and Chinese examples of WeChat Pay and AliPay offers a peak into the future of physical retail stores that could be replicated for mass transit travel (ticketing), events, car rental and car ride-sharing and sports stadia (Hybrid ticketing/loyalty/payments).

In the meantime, biometrics for payments is increasingly a vital part of a payment service providers’ toolkit in the never-ending task of reducing financial fraud and ensuring that their customers can conveniently prove their identity and authorise transactions when paying for trillions of dollars’ worth goods and services in a variety of payment channels. Supporting customers for the entire payment journey in both physical and digital scenarios from onboarding to new payment services, authentication, transaction authorisation and fraud detection.

[i] https://www.goodeintelligence.com/report/travel-digital-identity-seamless-powered-by-digital-identity/

[1] https://www.security.org/digital-safety/credit-card-fraud-report/

[i] https://www.pymnts.com/news/emv/2016/mastercard-fraud-costs-emv-impact/

[ii] Counterfeit Losses Drop 47% As Retailers Bring Up EMV – Frank on Fraud

[iii] https://www.goodeintelligence.com/report/biometric-payments-market-technology-analysis-adoption-strategies-and-forecasts-2025-2030/

Aug 14
0

Travel Digital Identity – Seamless Travel Powered by Digital Identity

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Imagine an industry where you can book tickets, store them securely, and then walk from the entrance to your destination seamlessly and securely without having to show tickets and identity documents. Then, when you arrive at your destination, collect a hire car and then walk into your hotel room without lengthy queues and having to present driver’s licenses or passports.

This industry is the travel industry, and this scenario is available now – not a vision for tomorrow.

Biometric Enabled Seamless Travel (BEST) is being used today by millions of people around the world and in a recently published report from Goode Intelligence investigating the market of travel digital identity, we forecast that by 2029 over 1.27 billion travellers will be benefiting from digital identity issued by both governments and commercial organisations including airlines, train operators, and sea travel operators.

This is all happening in an industry with some of the strictest security requirements on the planet. If travel can meet the needs of convenience and security, then other industries can surely learn and benefit from its example.

Biometrics is a key enabler for digital travel identity and is an important area for the reports coverage. From remote selfie-based identity verification on your smart phone, to self-bag drop, accessing VIP lounges, getting through security, concession-shopping, and boarding your plane, train or cruise ship, biometrics is enabling the seamless travel experience.

For government issued and managed digital identity, ICAO’s Digital Travel Credential (DTC) standard is supporting the migration from physical document to digital travel identity. There are promising signs for DTC with several pilots and actual live deployments for DTC Type 1 around the world proving and testing the technology. For DTC Type 1 (eMRTD Bound), the DTC is generated by the user on their smart phone or from a self-service kiosk by reading the chip in the passport. Travellers still need the physical passport to pass through border control. The goal is to have DTCs that can be used on their own, in a same way that digital payments can be used on smart phones without the physical card being present. ICAO has devised a roadmap for this to happen with DTC Type 2 (electronic Machine Readable Travel Document (eMRTD)-PC bound) leading to DTC Type 3, issued without the need for an eMRTD. This means the DTC is entirely contained within a separate component (DTC-PC) and is not directly linked to an eMRTD.

According to the many travel identity experts that I spoke to as part of this research, we are probably five to 10 years away from DTC Type 3.

Of the 1.27 billion travellers that will benefiting from travel digital identity by 2029, 725 million will be air travellers using digital identities issued by commercial organisations, predominantly airlines. IATA One ID was cited by many travel identity experts as an important initiative to provide guidance and a framework for non-government issued digital travel identity. By 2029, we believe that a decent percentage of commercial-issued travel digital identities will be based on IATA’s One ID framework to ensure interoperability and, importantly, a common user experience for air travellers.

Travel offers a great test bed for the wider digital identity market and has been a key sector for growth.

A travel digital identity is your identity information stored electronically in a way that can be used for travel purposes. It can encompass different things, depending on the specific system:

  • Biographic details: Basic information like your name, date of birth, and nationality.
  • Biometric data: This could include fingerprints, facial scans, or iris scans.
  • Digital documents: Electronic versions of your passport, visa, or health certificates.

The main goal is to create a secure and convenient way to verify your identity throughout your travels.

The future is bright for Travel Digital Identity with Goode Intelligence forecasting that by 2029, Travel Digital Identity will be generate over $4.6 billion in revenue with a CGAR of 22 percent over the six-year period.

This puts the sector at the vanguard of Digital Identity adoption globally – outperforming other sectors for growth.

Travel is offering a blueprint in how to digitise identity and provide realisable benefits that that can be replicated by other sectors. Travel offers a great test bed for the wider digital identity market and has been a key sector for growth offering a template for how digital identity can be at the centre of the seamless customer experience. From onboarding and remote identity verification.

It is a sector based on highly secure core infrastructure that is managed by suppliers that are not afraid to embrace cutting-edge technology such as biometrics, digital wallets, and verifiable credentials.

The expected growth is based on strong foundations, a combination of:

  • Global interoperable standards established by industry bodies such as ICAO (driving ePassports and Digital Travel Credentials (DTCs) and IATA (driving One ID).
  • The ePassport, has established itself as the prime internationally recognised identity documents for identity verification – packed full of physical and digital security features that are simply unparalleled in trusted identity and backed up by ICAO’s Public Key Directory (PKD).
  • A compelling business case that benefits all parts of the ecosystem from travellers to governments, travel operators and transport hubs, provided by established technology providers.
  • AI-powered biometric technology that is based on international standards and certification authorities that is accurate, resistant to presentation attacks including deepfakes, and can operate in the cloud and at the edge.
  • The emergence of standards-based Digital Wallets and Verifiable Credentials (VCs) that supports Biometric Enabled Seamless Travel.

If you want to discuss this research, I would be happy to discuss this on a call – reach out via LinkedIn linkedin.com/in/alangoode.

You can find out more about the recently published Goode Intelligence Market Analyst Report “Travel Digital Identity – Seamless Travel Powered by Digital Identity” by checking out our website. https://www.goodeintelligence.com/report/travel-digital-identity-seamless-powered-by-digital-identity/

Thank you, Alan.

Oct 24
0

WHAT CAN YOU DO WITH DIGITAL IDENTITY

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What can you do with digital identity is a fundamental, probably critical, question for the industry to answer. It probably should be top of pack for any company thinking of standing up a digital identity solution, as without it you will have created a boat without paddles or a sail. It may look good and be technically sound, but it won’t get you too far. Metaphor aside, if a digital identity solution does not solve an immediate problem and lacks a scalable business plan, then it will quickly lose momentum and become obsolete. This is, of course, true of any technology or business, but is acutely relevant to the digital identity industry.

This is one of the important findings from a report that I have authored, the second edition of the Goode Intelligence Digital Identity report which was recently published and covers the market for verified citizen and commercial digital identity.

In the four years since the first edition of the report was published in 2019, there has been a growing realisation that you cannot stand-up a digital identity scheme or solution without successfully answering these three questions:
1. Does it solve a real-word problem?
2. Will people use it?
3. How can I make money out of it?

The third question is critical to privately run identity systems/schemes.

A failure to answer these questions has effectively ended Self-Sovereign Identity (SSI). The theory that people would choose to download a wallet or generate their own digital identity and then use this identity with a variety of relying parties, including governments, has not been successful. There are of course other reasons, but fundamentally in building solutions without a direct link to benefit (both user and business) there is little appetite for them.

So, what can you do with digital identity and where are we seeing success and growth. With the emergence of digital identity wallets and verifiable credentials there are three new categories that are added to our list from 2019, Employee ID, Healthcare ID, and Digital Qualifications.

Our top eight use cases and applications for Digital Identity in the six-year period that the report covers, 2024-2029 are:
1. Identity Verification: Supporting remote customer onboarding.
2. Access to eGovernment services: Providing a single digital identity to access cross-department digital government services including eVoting
3. Assured Authentication: When the digital identity is highly assured and issued after strong identity and document verification then it can be used for assured authentication
4. Digital Travel: Including, Mobile driving licenses (mDL), Kerb(couch)-to-Gate for airport, rail, and boats.
5. Age Verification: Including Offline – used in bars and clubs instead of a paper document, and Online – used to ensure access to adult (age restricted) digital content and services is upheld.
6. Digital Signature:  Supporting smart contracts.
7. Employee ID: Digitising employee records and career history by exploring the capabilities of verifiable credentials.
8. Healthcare ID: Including healthcare professionals, including qualifications and experience, Patient ID, Healthpass (COVID19)

The second edition of The Digital Identity Report, published October 17 2023, is a comprehensive 272 page study that includes a review of current global adoption, market analysis including key drivers and barriers for adoption, interviews with leading stakeholders, technology analysis with review of key technologies and profiles of companies supplying solutions across key verticals plus forecasts (regional and global) for digital identity users, key technologies, and revenue within the six-year period 2024 to 2029.

More information can be found on the report page.

Nov 11
0

Speaker Announcement – Dr Chris Allgrove

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We are delighted to announce that Dr Chris Allgrove, Director and co-founder at Ingenium Biometrics, is speaking at Digital Trust World 2022 on 21 November in London.

Chris is giving his expert opinion on two separate sessions at the conference, “Digital Identity” and “Authentication & Privacy”.

Chris has been working in identity and biometrics for 25 years, having initially received his PhD in electronics, specialising in the application of biometrics, from the University of Kent where he was a researcher in computer vision research group. Chris is presently an expert independent advisor to a range of UK and international clients on the user of biometrics in digital identity, as well as more widely around identity authentication.

Chris previously worked in the UK Government with the National Cyber Security Centre (NCSC, part of GCHQ) where he was Head of Identity in Government and managed the NCSC teams responsible for identity and biometrics.

Chris was an internationally-recognised subject matter expert in the field of biometrics. He headed a research team investigating the performance and vulnerabilities of biometric systems, in support of the work of the NCSC and GCHQ as the UK Government National Technical Authority.

Chris was the author of NCSC’s guidance on the use of biometric systems, and a subject matter expert contributing to NCSC’s password guidance, end user device guidance and other identity and cybersecurity publications. In addition to his work in the NCSC, Chris was also the co-chair of the Cross Government Identity Standards Group within the UK government and worked at the Identity and Passport Service advising on identity, biometrics and PIV cards.

Chris is an active member of the Biometrics Institute, an international body promoting the responsible and ethical use of biometrics, and has been a member of the UK national committee IST/33/5 on identity and biometrics, responsible for UK contributions to ISO SC27 WG5″.

There is still time to register to attend this conference by registering here.

Nov 10
0

Digital Trust World Session Spotlight – Authentication & Privacy

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Monday 21st November 13:30-15:00 GMT

Title: Balancing Security / Privacy and Accuracy of Authentication Technologies in a Volatile World

This session, moderated by Chris Burt, Editor, Biometric Update, includes keynote presentations from authentication and privacy experts from the world of technology and business. Chris will ask the panel their views on how organisations can meet data protection / privacy regulation whilst ensuring that they effectively, and securely, authenticate users, without adding too much friction into the user journey.

Chris is joined by Orlando Martinez, VP of Business Development at Anonybit, David Rennie, Digital Identity Platform Service Owner at IDEMIA, Allister Fraser, Digital Identity – New Business Development at BT / EE, and Chris Allgrove, Director and Co-Founder, Ingenium Biometric Labs.

Speaker presentations will be followed by a live Q&A session with the panel.

Register to attend Digital Trust World 2022 here.

Nov 09
0

Digital Trust World Session Spotlight – Digital Identity

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Monday 21st November 11.30 – 12.30 GMT

Title: What do the latest UK and EU Digital Identity initiatives mean for business and what does business need from a portable verified digital identity

Join a panel of five digital identity experts as they explore the latest digital identity initiatives in the UK and EU and discover the impact on business from identity and verifiable credential frameworks.

Our speakers include Hannah Rutter, deputy director of digital identity at the UK Government’s Department for Culture, Media and Sport (DCMS), Dr Chris Allgrove, co-founder and director of Ingenium Biometrics, Dan Johnson, VP Identity Products at Mastercard, Jonas Ingelstrom, co-founder and CEO of Svipe, and Greg Crosby, Senior Account Executive at Incode.

Hannah Rutter will outline the latest developments in the UK Governments Digital Identity and Attributes Trust Framework with the announcement of live deployments and the first certified Identity Services Providers (IDSPs).

Speaker presentations will be followed by a live Q&A session with the panel.

Register to attend Digital Trust World 2022 here.

 

 

 

Nov 08
0

Speaker Announcement – Hannah Rutter – DCMS

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We are very privileged to announce that Hannah Rutter, Deputy Director, Digital Identity, Department for Culture, Media & Sport (DCMS), is speaking at Digital Trust World 2022. Hannah will join the digital identity session and speak on the latest initiatives from the UK Government on digital identity.

Hannah is an experienced civil servant with a track-record of using innovative approaches and new technology to improve public services. Her time in the Cabinet Office’s Government Innovation Group saw her driving new policy-making tools across Whitehall and establishing the world-leading UK Policy Lab. In DCMS she has led on various digital and data projects, bringing together citizen, economic and government needs. Since joining the Digital Identity Team in 2019, Hannah has become obsessed with the possibilities for digital identity for the whole UK economy and is excited to be part of driving it forward.

Digital Trust World takes place in London on 21 November 2022 and you can register to attend here.

 

Nov 03
0

Digital Trust World Session Spotlight – Digital Onboarding

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Monday 21st November 10.00 – 11.00 GMT

Title: How New Generation Identity Automation Powers a World of Trust

Join Greg Crosby, Incode Technologies, and Alan Goode, CEO and Chief Analyst at Goode Intelligence, as they navigate through the latest digital onboarding topics and discuss how new generation identity automation powers a world of trust.

The Digital Onboarding session includes:

  1. Analyst view on drivers and market adoption for digital onboarding and identity verification – Alan Goode
  2. Keynote presentation from Greg Crosby where he talks about powering a world of trust and how AI and Automation (Automated Identity Verification) will fundamentally transform how we use digital technologies, bridging the trust gap that exists between users and enterprises. Greg’s keynote presentation talks about the very latest approaches to identity and how leveraging AI/Machine learning can fast track digital strategies, improve conversion rates and lower fraud, solving the performance versus security gap that exists today that is being taken advantage of by cybercrime.
  3. Fireside chat between Alan Goode and Greg Crosby
  4. Q&A with the audience

Register to attend Digital Trust World 2022 here.