# Strengthen Identity Risk Assessment & Support Financial Inclusion

eCBSV provides financial services firms greater assurance of consumer identity by instantly confirming a consumer-provided name, SSN and DOB match with the issuing authority, enhancing CIP compliance and promoting financial inclusion.

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## Trusted by top organizations

## Solution Highlights

## Improve Decision Confidence for Higher-Risk Applications

eCBSV provides additional match/no-match inputs that help organizations make more informed assessments when evaluating higher-risk applicants.

## Expand Access for Consumers with Limited Histories

Drive growth with more inclusive access to all. Confirm the digital identity of 6-8% more individuals with limited or no credit history, helping reduce disparate impact to Gen Z, new-to-country and other vulnerable consumers.

## Drive Operational Efficiency

Automate exception processes, reduce manual reviews, and replace cumbersome SSA-89 paper forms. eCBSV is fully integrated into the RiskOS™ platform with optimized workflows for accuracy, coverage, scale, and cost-savings through our high-volume of transactions.

## Low Friction, Minimal Data Required

Incorporate eCBSV into your onboarding flow with minimal added friction. Only name, SSN, and DOB are needed where a match/no-match check is appropriate.

## Clarity Around Unmatched Results

When consumer-provided information does not match issuing-authority records, the response is returned as unverified without any explanation. Socure provides additional intelligence that can help identify likely causes, such as recent name changes or data entry errors, supporting a smoother, more efficient follow-up process.

## Why Socure?

By combining eCBSV match/no-match results with Socure’s broad identity intelligence, organizations gain a more informed view of consumer risk. The RiskOS platform helps streamline onboarding, reduce manual reviews, and support more efficient and consistent CIP workflows, all through a single integration.

### Streamlined Implementation

Eliminate the need for multiple point identity verification solutions, API integrations and hassle of direct coding to the issuing authority

### Manage Operational Costs

Avoid the high annual use-it-or-lose-it prepaid expense of direct coding with Socure’s scale enabling low transaction costs

### Instant Response Time

<150ms verification result from the eCBSV service avoids additional consumer friction

### Enhanced Data Security

End-to-end encryption of consumer PII between Socure and the issuing authority

## Applicable Use Cases

#### Mitigate suspected synthetic identity fraud with source of truth data

#### Strengthen CIP/KYC regulatory compliance

#### Gain greater insight into consumers with limited or thin credit histories.

#### Replacement for manual processing of SSA-89 forms

#### Automate exception processes, reduce manual review

#### Confirmation of deceased status from death master file

## How It Works

eCBSV integrates seamlessly into your customer onboarding workflow as an additional authoritative signal for decisioning. Customize when it is utilized based on your organization’s risk parameters, or choose to verify every transaction.

## Resources

### Report
**America’s Digital Ghosts**
[Read more](/content/resources/reports/digital-ghost/index.html)

### Blog
**How To Ensure Your Organization Can Onboard Gen Z**
[Read more](/content/blog/ensure-your-organization-can-onboard-gen-z/index.html)

### Blog
**Outperform: Delivering Industry-Leading Verification Rates with Socure Verify+**
[Read more](/content/blog/outperform-delivering-industry-leading-verification-rates-with-socure-verify/index.html)

## Let us prove it.

See how you can achieve world-class results with Socure. Speak with an identity verification and fraud prevention expert to learn more.

[Talk to an expert](/content/talk-to-an-expert/index.html)