Digital Identity Verification Solutions

Every person should have one folder in their computer that is the "In Case of Death" folder... and this is how it is structured... The folder is used to manage and pass on one's assets to successors easily... and to avoid any legal hassles. This folder is divided into 5 parts: 1/ Personal IDs - Birth Certificate - Marriage Certificate - Aadhaar and Passport - Divorce Decrees - Change of Name Affidavits 2/ Legal & Estate Management Documents - Last Registered Will with notarized copy - Succession Certificates for Movable Assets - Guardianship Documents for minor children / dependants 3/ Financial Assets and Accounts - Bank Account details and statements - Demat Account, Shares, Mutual Funds, Investment Portfolio - Insurance Policy Documents with Beneficiaries - Outstanding loan documents - Bank Locker or Safe Deposit Locations and Access details 4/ Property Documentation - Real Estate and Business - Property Deeds and Titles for Real Estate - Mortgage Documents - Rental Agreements - Business Ownership Documents and Succession Plan 5/ Digital Assets and Access Information - Email with recovery information - Social media contact and legacy contact preferences - Domain names, Cloud Storage - Digital Subscriptions of material value The best way to manage passwords here is to provide access to Password Managers where you can add an Emergency Contact who can access all passwords in case of such conditions. There are apps like 1Password, NordPass and Keeper which offer printable PDF documents for emergency access that can be kept in this folder. These apps allow a waiting period from last activity after which the emergency contacts can use the data. Also, please ensure that you submit all such documents for probate and get them drafted by a trusted lawyer. I would also hope you would tell trusted family members about where you have stored this information so that they can access it when required. Above all, wish you all a long and healthy life. #casarthakahuja

In all my years as a CISO, I’ve never experienced anything quite like this. What began as anxiety over social engineering, MFA weaknesses, and escalating AI threats… turned into one of the biggest surprises of my career. 🤯 Have you ever heard your workforce describe a security rollout as "life-changing" or "better than sliced bread"? 🍞 I didn’t think it was possible—until now. What’s even better? We achieved it while making the most significant leap in risk reduction I’ve ever seen. The secret? We went passwordless. 🙌 Here’s what we gained: 🔒 Unparalleled Security: We tackled the #1 threat—the driver of 80% of breaches—in one decisive move. This also gave us the first, best step toward Zero Trust. ⚡ Enhanced Productivity: We removed daily friction—no more password resets, lockouts, or clunky MFA. It’s saving time and costs, but most importantly: users love it. ❤️ 🤖 Future-Proofing Against AI Threats: We eliminated secrets/KBA from helpdesk calls. AI voice cloning and deepfakes can no longer trick people into giving away access... online or on the phone. But this isn't about what we did—it’s about what we all can do together. 🌎 Imagine a world where static credentials aren’t a risk. Cyber breaches would plummet. 📉 Identity theft and fraud would slow to a crawl. User trust and goodwill would skyrocket. 🚀 As a community, if we eliminated passwords, this could be our future. It wouldn’t be a utopia, but it would absolutely tip the scales in our favor. ⚖️ Let’s drive this transformative change together—and create a safer, better world for everyone. 🌐 💪 Big thanks to the ScrambleID team. Without your innovation, urgency, and partnership, we wouldn’t be here today. Next up: bots and AI agents! #Passwordless #Cybersecurity #Innovation #AIDefense #Equifax #ScrambleID

Australia ❤️ is good at digital govt. But in a world of rapid change, good isn’t good enough 🤷♂️ When people think of world-leading digital nations, they point to Singapore, Estonia, and increasingly, the UAE. Yes - they’re small, agile, and highly coordinated. But size is no excuse. 🇺🇦 Ukraine (pop. ~40 million) is racing toward Gov 3.0 maturity via its Diia platform - even during a war. 🇮🇳 India (pop. 1.5 billion 🤯) is delivering digital transformation at national scale. The India Stack, anchored by Aadhaar, is enabling inclusion, innovation, and economic uplift for over a billion people. ✳️ Why does this matter? One word: Productivity As population growth and participation rates flatten, productivity becomes the key to prosperity. Treasurer Jim Chalmers is right ✅ to put it front and centre - he’s convening a national productivity roundtable on 25 August to build consensus for reform. Last year, I co-led a productivity roadshow across Australia and New Zealand, asking: Which govt services would deliver the biggest productivity dividend if digitised at scale? The result? The GX5 : Five digital initiatives with the biggest productivity upside We assessed 24 govt digitalisation opportunities and filtered them through three lenses: 1. Citizen-facing – high visibility and public benefit 2. Deployment-ready – proven globally, good to go 3. High productivity impact – across govt, business, and individuals The top five: 🟦 Digital ID – secure, streamlined identity verification 🟦 Digital Skills Wallet – verified, portable credentials 🟦 Digital Front Door – one-stop access to govt services 🟦 Digital Health Record – accessible, coordinated medical data 🟦 Digital Licences & Permits – instantly verifiable credentials 📊 According to the attached GX5 report, Digital ID alone could unlock $19–32 billion per year in economic benefits - up to 1.2% of GDP - based on results from Singpass (Singapore) and Aadhaar (India) . Importantly, the Federal Govt passed legislation last year 🙏 to enable an opt-in digital ID system - a critical reform that will boost security, privacy, and service delivery across the country. This attached report was a collaboration between Ember Advisors and ServiceGen, with support from Amazon Web Services (AWS). If we want to stay globally competitive, we must build and embrace public digital infrastructure. It’s how we move from good to great 🙏🏼

Digital Wallets and Digital Identity are converging. Europe’s Digital Identity Wallet (EUDIW) will have a major impact on banking and finance. Let’s see how. 𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗘𝗨𝗗𝗜𝗪? The European Digital Identity Wallet will be a mobile app that enables all EU citizens and residents to: - Digitally identify themselves - Store and manage identity data and official documents (e.g. ID cards, diplomas, licenses) - Use it for both online and offline services - Exercise full control over their data - Use a qualified e-signature across the EU 𝗞𝗲𝘆 𝗽𝗿𝗼𝘃𝗶𝘀𝗶𝗼𝗻𝘀: - Voluntary for individuals - Free for natural persons (businesses may face fees) - Recognized across all EU Member States - Interoperable design: multiple wallets per country - common technical architecture and UX - Testing underway via pilot projects with 360+ public and private entities - Successor to the original eIDAS Regulation (2014) 𝗥𝗲𝗮𝗹-𝘄𝗼𝗿𝗹𝗱 𝘂𝘀𝗲 𝗰𝗮𝘀𝗲𝘀: - Access or open a bank account - Customer onboarding (KYC, AML) - Payment initiation and account access - Apply for loans - Submit tax declarations - Strong Customer Authentication (SCA) - Enroll in universities, rent a car, book hotels - Sign documents across borders 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 & 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗶𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀: - Financial institutions and online platforms with 45+ mn users like Amazon or Facebook will be obliged to accept it - Banks may streamline or replace in-house identity and authentication tools - Service providers (e.g. PSPs, credit card firms) may incur fees for digital identity verification - Meets PSD2 (and likely PSD3) requirements for secure authentication - Will unlock new use cases, including POS-based QR code payments and embedded finance - Integration with the Digital Euro is expected 𝗧𝗶𝗺𝗲𝗹𝗶𝗻𝗲: - Published in EU Official Journal: March 2024 - Implementing Acts: expected within 6–12 months - Wallets to be rolled out: within 24 months of Acts - Acceptance mandatory for key institutions within 12 months after that 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗳𝗿𝗲𝗲 𝘄𝗲𝗯𝗶𝗻𝗮𝗿: Tuesday, May 27th, 15.00 CEST https://lnkd.in/du4VKi_3 Opinions: my own. Sources: European Commission, Innopay, Gataca 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐦𝐲 𝐧𝐞𝐰𝐬𝐥𝐞𝐭𝐭𝐞𝐫: https://lnkd.in/dkqhnxdg

Real-time face swapping with deep-fakes is now free, open source and works with any lighting. Meet Deep Live Cam: While not perfectly seamless (bodyweight mismatches etc), what matters: - It adapts to any lighting condition in real-time - Works with just a single reference photo - Zero latency performance - Free and available to anyone The frontier of "best-in-class" KYC keeps moving. --- The liveness check has been the gold standard in remote KYC for years. "Let me see you live on camera" was considered definitive proof. That assurance is eroding rapidly. --- Forward-thinking risk teams have built verification systems that don't rely on visual confirmation alone: 1. Device context becomes critical   • Is this a known, trusted device or a fresh profile?   • Has the device been modified or compromised?   • Does device history match typical user patterns? 2. Physical interaction patterns matter more   • How devices are held creates unique signatures   • Typing rhythm and pressure are difficult to simulate   • Natural user movements build behavioral baselines 3. Connection infrastructure tells stories   • VPN and proxy usage signals potential concealment   • Geographic consistency builds confidence   • Network behavior creates reliable fingerprints As a pattern: More data, more context around the person behind the screen, any digital breadcrumb can be useful. --- Upgrading KYC processes was historically slow, but that's no longer an option. The forward-learning security teams are building layered approaches now, before the gap closes completely. What's your non-visual fraud prevention strategy? Comment "beyond visual" if you're interested in how leading fintechs are adapting.

Excited to share my latest dive into the intersection of high-speed data and financial regulation! As digital assets and tokenized securities gain momentum, the critical question is: How do we maintain an unquestionable, tamper-proof audit trail at massive scale? Traditional databases often fall short. My new article explores how Apache Kafka's core architecture, the immutable commit log, serves as the ideal compliance layer for regulated asset transfers. I cover: 1. The power of immutability for audit-readiness. 2. Using Schema Registry to enforce structured compliance events. 3. Enabling real-time AML/KYC checks using stream processing. 4. Strategies for long-term, WORM (Write Once, Read Many) archival. If you are building infrastructure for Fintech, Digital Assets, Trading Systems, or are focused on #RegTech, you need to see how Kafka can move compliance from an "afterthought" to a real-time capability. https://lnkd.in/g_G3myVH #Kafka #DigitalAssets #Fintech #Compliance #RegTech #StreamingData #Auditability

🔐 The State of Authentication UX in 2024. How people keep track of their passwords, why passwords are bad and what to use instead ↓ Over the years, we’ve been serving users fairly badly when it comes to their authentication experience. We set up rigorous password requirements, we make people go through password recovery loops, we ask security questions, we log out users periodically and once something goes wrong, users get locked out for hours or days. According to the latest research (sources in the comments), that’s where we are today in terms of authentication UX: – 38% of users write passwords down as sticky notes – 32–84% reuse the same password (private/company) – 54% of rely solely on their memory – 40% of fail answering security questions – 32% of use a password manager (e.g. LastPass, 1Password) – 31% of have used FaceID authentication – 29% of have used fingerprint scanning – 25–31% of users reset their passwords at least weekly – 18.75% avg. eCommerce abandonment due to pass resets – 4mins is the avg. time to recover access by password reset – 3h is average employee lock out time due to authentication – 29% had their social profile credentials stolen or leaked – 39% organizations have faced malware/phishing attacks – 29% of the helpdesk time is required to deal with auth issues – 40% of users have 2-Factor-Authentication (2FA) turned on – 65% of products use SMS-based 2FA (vulnerable to SIM swapping) – 95% of companies plan to transition to passwordless auth – 31% of companies are now implementing passkeys We do so for a good reason of course. For the sake of security, on user’s behalf. Yet as Jared Spool said once, usability should prevail over security. If a product is not usable, it’s also not secure. That’s when people start using private email accounts and put passwords on sticky notes because they forget them. So as designers, we try to make it easy to use for people who should have access, often making it totally unusable for people who don’t have access. But different products have different value for different people. So we need to think in terms of stages of security and layers of authentication. The future of authentication UX is passwordless. At minimum, it’s 2FA-based, and at its best, it relies on passkeys (https://passkeys.dev) — a relatively new technology that is now widely supported in all major browsers and on native platforms. With passkeys, users set up their credentials and store them securely on their device, with one set of keys per product or service, without having to type or retype or recover password at all. The experience is seamless and secure, and it works across devices, too. The best authentication is a quiet one. So instead of reviewing password requirements, perhaps we could start abandoning passwords altogether. It will serve users well, creating a quiet and secure auth UX, and it will serve businesses well, saving time, money and waste in security and support. #ux #auth

A Senior Data Engineer candidate was asked to design an incremental ingestion pipeline during his interview at Google. Another candidate in a different loop at Facebook got the same prompt. CDC pipelines look simple until you add one layer of reality: – Add late arriving updates? Now you need watermarks, reprocessing windows, and correctness guarantees. – Add duplicates and retries? Now idempotency becomes the whole game. – Add schema changes? Now your pipeline breaks at 2 AM unless you plan compatibility. – Add backfills? Now you are doing surgery on live tables without double counting. – Add merge cost? Now your “incremental” job is slower than a full reload. Here’s my checklist of 15 things you must get right when building incremental ingestion with CDC: 1. Start with the business contract → Define what “correct” means: latest state per entity, full history, or both. This single decision changes your table design, merges, and backfills. 2. Choose the right ingestion model: snapshot + CDC vs pure CDC → Snapshot + CDC is safest for bootstrapping and recovery. Pure CDC is leaner but brittle if you miss events. 3. Pick a stable primary key strategy → If your upstream keys are messy, create a durable surrogate key. Your entire dedupe and merge logic depends on this. 4. Capture an ordering signal you can trust → Use a reliable change version: log sequence number, commit timestamp, or monotonically increasing version. Avoid “updated_at” unless you fully trust the source. 5. Design for idempotency from day one  → Assume every event can arrive twice. Your writes must be safe to re-run without changing results. 6. Handle deletes explicitly → CDC isn’t just inserts and updates. Support tombstones or delete flags and define how downstream tables interpret them. 7. Preserve raw events before you transform → Land the raw change feed in a bronze layer. If downstream logic is wrong, raw becomes your rewind button. 8. Build a dedupe rule that survives retries and replays → Dedupe by (primary_key + change_version) or (primary_key + event_id). If event_id is missing, generate one deterministically from the payload plus version. 9. Use watermarks, but never trust them blindly → Watermark = “I have processed up to here.” Still keep a safety lookback window because late data is guaranteed in production. 10. Implement a reprocessing window for late arrivals  → Recompute the last N hours or days on every run based on observed lateness. This is the simplest way to get correctness without constant firefighting. 11. Plan schema evolution with compatibility rules → Decide: backward compatible only, or allow breaking changes with a controlled rollout. Use versioned schemas and block unsafe changes automatically. (Continued in comments.)

Ever wondered how your phone instantly knows the bank owner's name just from a QR code scan? It's not magic. It's a beautifully simple, and highly optimized, system design. The secret is this: the QR code does not contain the bank owner’s name. It contains a simple, unique identifier like a Virtual Payment Address (VPA) or a merchant ID. The rest is a lightning-fast backend lookup. Here’s the simple flow that happens in milliseconds: Scan: Your phone's camera and a library instantly decode the unique ID. API Call: Your app sends that ID to a backend service. Backend Lookup: The service performs a high-speed lookup, primarily using a distributed cache (like Redis) and a massively indexed database. Response: The backend sends the name back to your phone, and it's displayed instantly. The most powerful concepts behind that "instant" feeling: Indexing: The database can find a record in constant time. Caching: The most frequently scanned QR codes are stored in memory for near-instant retrieval. Horizontal Scaling: The system handles millions of concurrent requests by distributing the load across hundreds of servers. The simplest user experiences are often backed by the most robust engineering. What other "instant" systems fascinate you? 🚀 #systems #software #backend #scalable

I ran a small experiment comparing a real drone photo with a diffusion-generated replica, using Noise Analysis in the forensic toolkit Forensically. The results are striking: Real image (left) The residuals reveal structured patterns: JPEG quantization blocks, sensor-dependent noise, and edge-aligned compression artifacts. These arise from the physics of cameras (photon shot noise, demosaicing, sensor readout) and the mathematics of JPEG (DCT quantization). Diffusion image (right) The residuals are globally spread, homogeneous speckle. This comes directly from how diffusion models work: they generate pixels by gradually denoising Gaussian noise. Even after convergence, traces of this artificial isotropic noise remain embedded across the entire frame, unlike real sensor or compression noise which is local and structured. 📌 Takeaway: Noise carries the fingerprint of its origin. Real cameras produce structured, block-correlated noise; diffusion models leave behind uniform synthetic speckle. Forensic analysis isn’t just about spotting edits — it’s about understanding the generative processes that leave statistical signatures in every image.