Faster, safer omnichannel interactions start with trust

Your ability to administer benefits is only as good as the consumer data you work from. But that data could originate from many places, use a variety of formats, and consist of varying levels of veracity. You may have self-reported data that’s subject to errors and omissions. Manually entered data that carries common errors such as transpositions or misspellings. Disconnected data that shows Mike Smith in one place, and Michael R Smith in another — with no way to confidently connect the two to the same individual. And keeping the data current and correct poses even more headaches.

How can you generate the reliable 360-degree view you need to identify an eligible beneficiary and deliver the funds they depend on? Let us help. Our solutions allow you to quickly resolve information gaps, connect and de-duplicate identities, and keep the data current over time.

Here’s how we do it:

First, we cleanse and enrich consumer data pulling from 10,000+ sources that include public records, internal government databases, credit bureaus and alternative data sources. With 95% coverage of the U.S. adult population, we can resolve to a unique identity 99.99% of the time. This matters — because the populations you serve are more likely to be off the radar of traditional credit reports. Leveraging our expanded data sets not only brings more unbanked and underbanked consumers into view — it also promotes a more equitable onboarding process.

Next, our proprietary linking and clustering algorithm with our unique identifier, LexID^®, connects, normalizes and leverages data attributes from across disparate databases — producing a single, connected view. And because LexID is a non-SSN, non-FEIN identifier, it helps support applicant privacy while giving you the connected visibility you need.

Our linking process is dynamic, which means that identity profiles are continuously updated as new data is ingested. The data is constantly monitored and refreshed frequently, with more than 80 million record updates each month.

Social Services work is all about identifying and mitigating the obstacles people face. That makes audience experience a major consideration when modernizing your systems and processes. Being able to offer multiple access points helps ensures you can connect with people no matter their life stage or circumstance:

• Individuals who don’t have a permanent residence and lack consistent access to the internet
• The “credit invisibles” who don’t have a traditional physical identity footprint for you to work from
• Those who are struggling mentally or emotionally and find processes difficult (a Duke University study noted that onerous application processes are one likely reason TANF program participation has dropped in recent years)

Another consideration is how people engage. An individual may start an application in one channel, then complete it in another. They may prefer to speak with someone in a call center to resolve one situation, but then use a mobile web browser for another transaction. We can help you safely and efficiently maintain continuity across all of these paths.

Equip your agency with synchronous physical and digital identity intelligence

Because identities — and your services — now span the physical and digital realms, our solutions make it possible to quickly assess the risk of the person and the device. Big data capabilities and powerful linking technology combine to connect and cluster data into a multidimensional identity ecosystem.

Key highlights:

• We start with massive data sets comprising 84 billion physical identity records from 10,000+ sources — including unique alternative data sources that reveal 42M more credit invisibles than traditional credit reports can provide. Our records also include more businesses than you’re likely accustomed to “seeing” — as well as relatives and associates connected to the applicant.
• Our proprietary linking technology and patented unique identifier — LexID^® — connects all the dots across disparate data sets to resolve and match multiple records to one individual. With 95% coverage of the U.S. adult population, including the unbanked and underbanked, we can resolve to a unique identity 99.99% of the time (98% in government-specific programs).
• We also leverage a cross-industry digital identity network built from 6,000+ contributing organizations. It analyzes 36 billion transactions a year — pulling in unique digital attributes of a person (email addresses, device IDs, login credentials, etc.) and their activities (cell phone usage, location data, and more) to help you see identity details and patterns of behavior that provide a more robust view of applicants People who don’t have a credit history for you to reference, or a permanent residence, may have a mobile device, so digital intelligence helps form an identity picture.

Create more efficiencies in more places, front office to back

The ability to quickly verify identities without requiring face-to-face visits considerably speeds application time, gets benefits to eligible applicants quicker, and decreases the backlog for follow up investigations.

Fraudsters continue to get more sophisticated. Can you build a big-business defense on a public agency budget? Absolutely. Our government-focused solutions unlock granular identity insights and the ability to assess risk based not only on the “who” but also the device, transaction and location.This all happens in the background without compromising the customer experience for trusted individuals.

For example, we help you go below the surface to understand risk factors that might not be immediately obvious. We look for indicators like:

• Identity attributes that don’t match (a sign of synthetic fraud, which the FBI cites as the fastest-growing financial crime in the U.S.)
• Applicants using physical identities of deceased or incarcerated individuals
• Digital attributes that don’t align, or that indicate someone is intentionally hiding their location through VPNs, proxies and the like

Take advantage of the machine learning that drives our automated risk scoring and fraud detection tools. It’s never been easier to identify suspicious outliers and/or patterns of risk; stop fraud in real time; and reduce false positives. Lift these burdens off your team and focus on getting benefits to verified recipients.