GPG45 for Onboarding Services

OneID® Onboarding Solutions will provide you with up to a medium level of confidence under GPG 45.

Product	Identity Profiles	Type of Evidence	Attributes
Sign-In	L1B & M1C	Bank-Verified Data	Subject Identifier
Sign-In Refresh	L1B & M1C	Bank-Verified Data	Name, Address, Email, Mobile number
Sign-Up	L1B & M1C	Bank-Verified Data	Name, Date of Birth, Address, Email, Mobile number
Sign-Up Plus	L1B & M1C	Bank-Verified Data	Name, Date of Birth, Address, Email, Mobile number, Bank Account Information, Bank Address

Bank-Verified Data

OneID® leverages the security features of banking apps which utilise encryption, strong customer authentication (SCA), and biometrics to ensure only the rightful owner has access to a bank account, and securely protecting bank account information. This provides highly reliable proof that the owner of the identity is who they say they are and is present during a transaction, enhancing the strength of a bank-based identity check.

Individuals are subject to strict KYC checks when opening a bank account to ensure compliance with regulation and UK Law, such as the Money Laundering Regulations. This makes creating a synthetic ID using bank-verified data extremely difficult. Even in a rare case that a fraudster is successful in opening a bank account, they would still be required to develop a pattern of normal behaviour to appear legitimate, this ensures the identity is valid.

Identity Profile Scores

Learn more about levels of confidence at What is GPG 45

OneID® Onboarding Solutions achieve the following identity profiles:

Identity Profiles	Strength	Validity	Activity History	Identity Fraud	Verification
Required for L1B	3	2	N/A	N/A	1
Required for M1C	3	3	N/A	N/A	3
OneID Highest Score	3	3	N/A	N/A	3

Detailed information on how scores are calculated can be found here.

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