Gartner Research

The Four Layers of Identity Proofing Lead to Stronger Identity Verification

Published: 18 October 2012

ID: G00239627

Analyst(s): Avivah Litan


Identity proofing requires a layered and risk-based approach, where successive techniques provide stronger identity verification. More costly manual processes are only needed for the riskiest transactions.

Table Of Contents
  • Key Challenges



  • Adopt a Four-Layered Approach to Identity Proofing
  • Weed Out Obvious Fraudsters by Always Applying Endpoint-Centric (Layer 1) Identity-Proofing Techniques
    • Layer 1 — Endpoint-Centric
  • Employ Navigation-Centric (Layer 2) or User-Data-Centric (Layer 3) Identity-Proofing Techniques Based on Enterprise Risk Tolerance and Available Resources
    • Layer 2 — Navigation-Centric
    • Layer 3 — User-Data-Centric
  • Keep Operational Costs Down by Restricting Use of Identity Proofing, Using Manual User Interactions (in Layer 4) for High-Risk Transactions
    • Layer 4 — User-Interaction-Centric
  • Know the Pricing of Identity-Proofing Solutions
  • Recommendations
  • Summary

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