What is EMAS CIDA?

What EMAS CIDA Aims to Achieve

Many digital businesses today have rapidly expanding Assurance, Authentication, and Authorization (3A) requirements.

For example, having usernames and passwords alone is no longer sufficient. Users are required to answer security questions, provide OTP codes, and more. Similarly, eKYC systems alone may not meet future industry demands.
Fraudsters are constantly innovating, and the 3A space is evolving just as quickly.
Businesses are also demanding more automation and digitalization within their processes.
- For instance, banks require systems that automatically retrieve user credit scores during the user onboarding process, cutting down on processing duration.

<aside> 💡 EMAS Customer ID Assurance (CIDA) is a flexible, customizable, and future-proof framework that allows digital businesses to scale their 3A requirements. In addition to EMAS eKYC, Innov8tif partners with regional providers to help businesses implement this system.

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Customer ID Assurance Ecosystem (Updated: 11 July 2023)

The Four Layers of EMAS CIDA

Layer	Description
PORTAL ACCESS LAYER	Enables businesses to administer and operate EMAS CIDA. Operations personnel can review transactions performed, API usage, and more.
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CHANNEL LAYER	Determines how functions and features are delivered and connected to each other. It uses APIs and robotic process automation to perform 3A tasks.
FEATURES LAYER	Highlights the various technologies needed to perform 3A tasks:

ID Proofing — Collecting user data to ensure that they are genuine. —— Untitled (https://innov8tif.notion.site/d6968c8b888e410088a02eea913d474a) —— Untitled (https://innov8tif.notion.site/c63c08e93361470a898978bbfe552d08) —— Untitled (https://innov8tif.notion.site/e1ae44583eb24e31a04aefc17de9f10a)

Customer Due Diligence — Determining if users are qualified for business services. —— Untitled (https://innov8tif.notion.site/adce1fbc8b874decb2c26fd1ad9ae587) —— Untitled (https://innov8tif.notion.site/28ee678e86f54b208d6e125be71a76ff) —— Untitled (https://innov8tif.notion.site/b09a0e6b3d6242e39167e58f89707d86)

ID Authentication — Ensuring that the user is authorized to perform transactions. —— Untitled (https://innov8tif.notion.site/2d9348a1cc5f49f79804021c1acf745b) —— Untitled (https://innov8tif.notion.site/7e0acaeb27814a2dae8e0ef57991f5ca) —— Untitled (https://innov8tif.notion.site/4d6458b51f034599bc95f9af9063a722) | | DATA LAYER | Forms the foundation of the EMAS CIDA framework, where customer information is securely stored for use throughout the customer lifecycle. |

Industry Use Cases

💰 Banking Banks can use EMAS CIDA to enable 24/7 digital banking services. It helps banks securely onboard new customers and validate secured transactions, such as interbank transfers, loan applications, and credit card applications.

☎️ Telecommunications Telcos can leverage EMAS CIDA to manage due diligence for high-value purchases, such as phone plan subscriptions, SIM card registration, and transfers.

🛒 E-commerce EMAS CIDA can be used to verify customers' identities during checkout to prevent unauthorized purchases or sign-ups. It can also be used during user onboarding to prevent abuse of sign-up privileges.