Cover for the March 2026 PYMNTS Intelligence and Trulioo Digital Identity Framework. Learn how digital identity verification can aid in fraud prevention and enhance customer interactions across various platforms and workflows.

How More Identity Checks Actually Reduce Friction

Identity at Scale: Where KYC/KYB Touchpoints Create (or Contain) Agent Risk

Identity verification has spread across every part of the business, from login to lending. That shift is turning small gaps into system-wide failures. “Identity at Scale: Where KYC/KYB Touchpoints Create (or Contain) Agent Risk,” a new report from PYMNTS Intelligence and Trulioo, found that firms that see it early are redesigning identity verification as infrastructure, not as a single checkpoint.

Inside the March Framework

  • Identity verification is no longer limited to onboarding. Companies now use it across login, transactions and fraud monitoring, making it a core part of daily operations.
  • Firms that apply identity checks in fewer areas face greater fraud pressure, higher customer friction and more lost revenue from false declines and missed opportunities.
  • Businesses that use identity checks more broadly see more stable operations, fewer errors and better customer experiences by applying consistent controls across the entire journey.

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    Digital Identity Framework