Digital Identity
The foundational layer through which people access services across the digital economy.
Digital identity is becoming the foundational layer through which people access services across the digital economy. It is what allows a customer to open a bank account, to authenticate a payment, to claim a pension, to sign a legal document, to prove their age, or to register a vehicle — all from a single, trusted credential rather than a separate login for every relationship.
The space is being reshaped by new credential formats and frameworks: the European Digital Identity Wallet (EUDIW) under eIDAS 2.0, mobile driving licences (mDL) in the United States, and the verifiable-credential standards that underpin both. The institutions that integrate these formats well will define how their customers transact for the next generation; those that wait will be shaped by frameworks they had no part in designing.
Public authorities and qualified private institutions that establish a verified identity in the first place — including issuers of national eID schemes, mobile driving licences (mDL), and the European Digital Identity Wallet (EUDIW) under eIDAS 2.0.
National wallet apps, banking apps, scheme wallets, and others that hold a customer's identity credentials and present them at the point of need.
Institutions consuming an identity assertion to allow a customer to onboard, authenticate, sign, or transact — banks, fintechs, payment networks, government services, and increasingly any regulated digital service.
Firms supplying document checks, biometric matching, liveness detection, and electronic verification used when a wallet credential is not yet available or not accepted.
Firms supplying strong customer authentication (SCA), qualified electronic signatures, and the cryptographic infrastructure that makes any of it trustworthy.
eIDAS, ISO/IEC standards for mobile credentials, OpenID for Verifiable Credentials, FIDO, and the scheme rules that govern how identity meets payment authentication.
Data-protection authorities, financial conduct regulators, and digital-identity supervisory bodies whose frameworks shape what every other player can and cannot do.
Digital identity is unusual in that no single party owns the credential end to end. It is issued by one institution, held in a wallet provided by another, accepted by a third, and trusted only because a fourth set the standard. Propositions in this space succeed or fail on whether those four parties — and their respective trust frameworks — actually align in the journey the customer experiences.
We work where digital identity meets payments, financial services, and the regulated industries adjacent to them. Our work spans designing strong customer authentication flows, integrating emerging credential formats into existing onboarding and payment journeys, and meeting the technical and regulatory requirements that govern them in both Europe and the United States. We support the institutions deploying these capabilities and the technology providers building them.
For investors and acquirers evaluating identity propositions, we conduct due diligence that distinguishes a deployable proposition from a well-presented one.
Technology standards: eIDAS 2.0, ISO/IEC 18013-5 (mDL), OpenID for Verifiable Credentials, FIDO2 / WebAuthn.