The Identity and Beyond Blog

In 2025, a major European bank was fined €4.4 million for collecting identity documents beyond what data minimization rules required. That fine was a clear signal: data minimization has moved from compliance aspiration to legal baseline, and regulators are actively enforcing it. Global privacy frameworks — the GDPR, CCPA, and a growing stack of U.S….

Every enterprise that verifies identities online runs into the same wall: it treats every user as a stranger, every time. A returning customer who verified their identity last month is asked to do it again this month, and again next month, at every company they touch. The result is friction that compounds across an entire…

In today’s complex regulatory environment, financial institutions and digital platforms must balance user experience with stringent compliance standards. Two of the most critical acronyms in this space are Know Your Customer (KYC) and Anti-Money Laundering (AML). While often used interchangeably, these concepts represent distinct yet interconnected pillars of financial compliance. This guide breaks down the…

In a world where financial crime and identity fraud are more sophisticated than ever, Know Your Customer (KYC) regulations have become the foundation of modern compliance programs. But for many, the term remains vague; something mentioned during account sign-ups or whispered during onboarding discussions. So, why is KYC important, really? KYC is a process used…

In fraud-detection systems, every workflow — from verifying a user’s identity to detecting suspicious activity — relies on rules. But as fraud patterns evolve, so does the complexity of rules. That’s why Jumio has enhanced its Rules Editor to make it easier and more powerful than ever to respond to emerging threats in real time….

A customer you verify at signup does not stay the same customer for long. People move, switch jobs, change devices and phone numbers, and open and close accounts. The identity check that confirmed someone on day one slowly describes a person who no longer quite exists, and most verification systems never go back to ask…

Digital IDs are gaining momentum, fast. The convergence of mobile driver’s license (mDL) adoption across the U.S., eIDAS 2.0 rolling out across Europe, and integration into Apple, Google, and Samsung wallets has shifted digital identity from a future-state concept to a present-day reality. That’s why businesses no longer question whether they should accept digital IDs….

Ireland’s gambling sector is entering its most significant regulatory shift in nearly a century. Under the new framework, remote betting operators and remote betting intermediaries serving Irish players will transition to Gambling Regulatory Authority of Ireland (GRAI) licensing from July 1, 2026, with existing revenue-issued remote licenses expiring the day before. GRAI has opened applications…

The World Cup is creating an unprecedented surge in sports betting, much of it happening online, and the gaming industry is under pressure to grow responsibly. New data from the 2026 Jumio Online Identity Study shows that consumers want to bet, expect platforms to protect minors, and are willing to verify their identities to do…

For decades, identity verification has operated on the flawed assumption that a decision made at onboarding remains valid indefinitely. In reality, a user verified today can become a significant fraud risk tomorrow as new patterns, connections and signals emerge that were simply not visible at the moment of original verification. Some users start with legitimate…

Teams rely on reporting not just to access data, but to drive decisions, optimize workflows, and stay ahead of operational trends. And as organizations scale, the demand for faster, more flexible, and more consistent reporting continues to grow. Jumio’s customers have requested the following key reporting enhancements: Standardize and automate recurring workflows to help teams…

The identity verification landscape has entered uncharted territory. Generative AI models now produce government IDs so convincing that they fool trained human reviewers and bypass traditional verification systems. These aren’t simple fakes; they’re built with sophisticated AI that can replicate security features, fonts, and layouts with startling accuracy. For fraud prevention teams and compliance officers,…