Remote Identity Proofing: Is PVID a Role Model for Europe and Beyond?

David Emo Avatar
Head of Identity & Onboarding

In an increasingly digital world, the need for secure and reliable remote identity proofing has never been more critical. As businesses and governments accelerate their digital transformations, verifying the identities of users remotely has become a cornerstone for online trust and security. France’s “Prestataire de Vérification d’Identité à Distance” (PVID) framework has emerged as a potential role model for Europe and possibly the global community. Complementing this, the European Telecommunications Standards Institute (ETSI) has developed the technical specification ETSI TS 119 461, which sets standards for identity proofing across Europe. 

But what makes PVID and ETSI TS 119 461 stand out, and how do they compare or complement each other? Moreover, what challenges have been faced during the implementation of PVID in France, and what feedback was provided by financial institutions and customers? As we look to the future, how might these standards evolve, and what developments can we expect in remote digital identity proofing? 

The Growing Importance of Remote Identity Proofing 

Remote identity proofing is the process of verifying an individual’s identity without physical presence. This is essential for services like online banking, digital signatures, and remote onboarding. With cyber threats on the rise and regulatory pressures mounting, organizations must ensure that the person on the other end of the digital transaction is who they claim to be. 

What is PVID? 

PVID stands for “Prestataire de Vérification d’Identité à Distance,” translating to Remote Identity Verification Provider. Initiated by France’s national cybersecurity agency, ANSSI (Agence Nationale de la Sécurité des Systèmes d’Information), PVID sets stringent standards for remote identity verification services. The framework aims to enhance security, protect personal data, and build trust in digital interactions.  

Introducing ETSI TS 119 461 

ETSI TS 119 461 is a technical specification developed by the European Telecommunications Standards Institute (ETSI). It outlines policy and security requirements for Trust Service Providers (TSPs) providing identity proofing services. The specification is designed to standardize the process of remote identity verification across Europe, ensuring compliance with the eIDAS Regulation and other relevant legislation. 

Challenges Encountered During the Implementation of PVID in France 

Implementing the PVID standard in the French market has not been without its challenges: 

  1. Technological Complexity: The stringent requirements of PVID, such as advanced biometric verification and secure data handling, have necessitated significant technological investments from service providers.
  2. Certification Process: Obtaining certification from ANSSI involves rigorous auditing and compliance checks. This has been time-consuming and resource-intensive for many organizations.
  3. Interoperability Issues: Aligning PVID with existing systems and international standards like ETSI TS 119 461 has required additional efforts to ensure compatibility and interoperability.
  4. User Experience: Balancing high security with user-friendly interfaces has been challenging. Complex verification processes can lead to user drop-off during onboarding. 

Feedback from Financial Institutions and Customers 

Financial Institutions: 

  • Positive Reception: Many financial institutions appreciate the heightened security that PVID offers, which helps in fraud reduction and compliance with regulatory requirements.
  • Operational Challenges: Banks and other institutions have reported difficulties in integrating PVID-compliant solutions into their existing workflows and IT infrastructures.
  • Cost Concerns: The investment required for technological upgrades and certification processes has been a concern, especially for smaller institutions. 

Customers: 

  • Trust and Security: Customers generally feel more secure knowing that robust measures are in place to protect their identities. 
  • Usability Issues: Some users find the verification process cumbersome, especially if it involves complex biometric checks or multiple authentication steps. 
  • Privacy Concerns: There are apprehensions about the use of biometric data and how personal information is stored and used. 

Namirial ID Max: A Certified PVID Solution 

An example of innovation in the field of remote identity proofing is Namirial ID Max, one of the four solutions certified by ANSSI under the PVID framework. Building on over 10 years of expertise in remote identification assisted by artificial intelligence, Namirial ID Max represents a significant advancement in secure and user-friendly identity verification. 

Key Features of Namirial ID Max 

Namirial ID Max leverages artificial intelligence not only to combat fraud but also to guide users through the identification process in real time. This dual application of AI enhances user experience by providing immediate feedback and assistance during the verification process. The solution maintains a dedicated team of fraud experts based in France, ensuring localized expertise and rapid response to emerging threats. These experts operate 24/7, continuously monitoring and validating identity verifications to stay ahead of sophisticated fraud techniques. 

By addressing both security and usability, Namirial ID Max exemplifies how service providers can successfully implement PVID standards while meeting the needs of businesses and consumers alike. 

Evolution of the PVID Standard 

Now that the PVID standard has been in place for some time, discussions about its evolution are underway: 

  1. Simplifying Certification: There is a push to streamline the certification process to make it more accessible, particularly for small and medium-sized enterprises. 
  2. Enhancing Interoperability: Efforts are being made to better align PVID with European standards like ETSI TS 119 461, facilitating cross-border recognition and interoperability. 
  3. Incorporating New Technologies: The standard may evolve to include advancements in technologies such as artificial intelligence for fraud detection and blockchain for secure data sharing. 
  4. Improving User Experience: Future iterations of the standard are likely to focus on making the identity verification process more user-friendly without compromising security. 

Future Developments in Remote Digital Identity Proofing 

On a broader scale, the landscape of remote digital identity proofing is poised for significant advancements: 

The European Digital Identity Wallet (EUDI Wallet) 

  • What is the EUDI Wallet? The European Digital Identity Wallet is an initiative by the European Commission to provide citizens and businesses with a secure and convenient way to store and use their identity data electronically across the EU.
  •  Integration with Standards: EUDI aims to be compliant with frameworks like PVID and ETSI TS 119 461, promoting a unified approach to digital identity across member states. 
  • Enhanced Functionality: Beyond identity proofing, the EUDI wallet is expected to allow users to store and share credentials such as driving licenses, professional qualifications, and bank account details securely. 

Adoption of Decentralized Identities 

  • Blockchain Technology: The use of blockchain can enable decentralized identity systems where users have more control over their personal data. 
  • Self-Sovereign Identity (SSI): SSI models empower individuals to manage their own identities without relying on central authorities, enhancing privacy and security. 

Artificial Intelligence and Biometrics 

  • Advanced Biometrics: Innovations in biometric technologies, including facial recognition and behavioral biometrics, will enhance the accuracy and security of identity verification. 
  • AI for Fraud Detection: Artificial intelligence can analyze patterns and anomalies in real-time, improving the detection of fraudulent activities during the verification process. 

Regulatory Developments 

  • Updated eIDAS Regulation: The proposed revision of the eIDAS Regulation (eIDAS 2.0) aims to introduce a European Digital Identity Framework, which will have implications for standards like PVID and ETSI TS 119 461. 
  • Global Standards Alignment: There is a trend toward harmonizing international standards for digital identity, which could facilitate global interoperability. 

Can PVID and ETSI TS 119 461 Be Models for Europe and Beyond? 

Alignment with European Initiatives 

The combination of PVID and ETSI TS 119 461 complements existing European efforts to standardize electronic identification and trust services. Adopting these frameworks could accelerate the harmonization of digital identity verification in Europe. 

Global Applicability 

While both frameworks are tailored to European legal contexts, their core principles of security, trust, and user-centricity are universally relevant. Countries outside Europe grappling with digital identity challenges might find value in adopting similar standards or adapting these frameworks to fit their regulatory environments. 

Challenges to Adoption 

  • Regulatory Differences: Legal and regulatory environments vary widely, requiring adaptations to these frameworks. 
  • Infrastructure Requirements: Implementing such standards necessitates technological investments that may be prohibitive for some organizations or countries. 
  • Cultural Acceptance: User attitudes toward data privacy and biometrics differ globally, potentially affecting adoption rates. 

The Way Forward 

For PVID and ETSI TS 119 461 to serve as global models, collaboration between governments, regulatory bodies, and private sector stakeholders is essential. Sharing best practices and aligning standards can lead to a more secure and trustworthy digital ecosystem. 

Organizations should consider: 

  1. Assessing Compliance Requirements: Understand the specific requirements of both frameworks and how they apply to their operations. 
  2. Investing in Technology: Upgrade systems to meet the high security and authentication standards set forth. 
  3. Educating Users: Promote transparency and educate users about the benefits and safeguards of remote identity proofing. 
  4. Participating in Standard Evolution: Engage in dialogues and initiatives that shape the evolution of these standards to ensure they meet the practical needs of all stakeholders. 

Conclusion 

The PVID framework and ETSI TS 119 461 represent significant strides in remote identity proofing, offering robust models that balance security, compliance, and user experience. While challenges exist, the potential benefits of adopting these principles on a wider scale are substantial. The feedback from financial institutions and customers underscores the importance of continuous improvement and adaptability. 

As digital interactions continue to permeate every aspect of our lives, establishing trusted and secure identity verification methods will be paramount. Initiatives like the European Digital Identity Wallet signal a future where secure, user-friendly, and interoperable digital identity solutions become the norm. 

Last modified:

Share Post

David Emo Avatar
Head of Identity & Onboarding