The expectations for consumers are set by webshops like Coolblue, Apple, Amazon and Google. Insurance companies can now start to impress users and meet higher demands from business and regulation. The Onegini Consumer Identity Management solution - as a part of Onegini Connect - contains components you can easily add to your existing enterprise architecture. The picture above shows the high-level functionality the platform provides.
In the overview below you see the various components in CIM (Consumer Identity Management) and with which components they interact in your current architecture. The CIM solution contains an IDP solution and a User Management Application. Indicated with blue you see the components that are part of the core Onegini Platform stack. White components are typically present in your current architecture.
CIM handles the complete spectrum of capabilities related to delivering a seamless and secure customer experience.
Thanks to Just In Time migrations, you can let users automatically migrate to 1 standard across all of your platforms. The customer may not even be aware of it at first.
Making this process as simple as possible is the key to your success. As millions of consumers are going to use this process, any hiccup will lead to undesired fallout. The registration process for customers and prospects is different. Whereas customers require a more secure registration to prevent exposure of private data to the wrong people, for most prospects this robust identification is less important.
When you are a prospect, you just want to explore your possibilities without going through many steps to sign up. When you really become a customer identification and more is required. The CIM products supports many forms of identifications, like E-mail verification, GSM verification, ID check, Bank Transaction check, Address check, and more. In time your customer will build towards a higher Level of trust (identification)
With digital identities you want to reduce the risk of identity theft. This means that the level of trust is not only defined by the initial identification, but also with what we call continuous multifactor authentication. Multi factor is a way to make sure you are who you say you are by checking different factors. Based on your behavior, CIM could ask for extra authentication (making it continuous authentication). CIM allows you to create your own levels of assurance (LOAs). You can use a market standard like STORK or configure your own levels by:
When you want to give your users the option to login using a second factor like a mobile phone, the user is required to register the device. There are a number of possibilities to enable the device registration and handling of second factor authentication. You can either enable your current apps to handle the second factor or you can use an existing authenticator app provided by Onegini which provides the functionality for you.
Yesterday customers logged in with username/password or social, today they want to login with a mobile device. The consumer decides the preferred login and wants to change preferences over time. CIM supports all that.
Self-service is critical. If your procedures are unclear and little self-service is available, more than 30% of the calls from your helpdesk might be related to this.
If you are dealing with intermediaries and have problems with distributing authorizations among them DUM is for you. You can let your intermediaries take care of the user and authorization management themselves.
Consumer Identities, CIM is the digital front door of your organization for consumers and partners. Of course you require full audit trail, event trail and monitoring capabilities.