You can’t get to what’s next in payments without getting to what’s next in identity.
That’s according to Mary Ann Miller, vice president of client experience at Prove Identity, who told PYMNTS for the series “What’s Next in Payments: Embedded Everything: Priority One for Financial Services in 2025” that businesses are realizing the real innovation isn’t just in how we pay, but in verifying who is paying.
Without that key, the door to what’s next in payments stays firmly shut. After all, in this new age of digital commerce, identity is becoming more than just a piece of information — it’s the linchpin of a secure and efficient payment system.
From opening bank accounts to making large purchases, traditional methods of verifying identity — such as providing a name, Social Security number and date of birth — are being reshaped by a new wave of technologies. Enter embedded identity.
“Identity is becoming smarter,” Miller said. “It’s using more than just data to include different signals and different attributes to form and authenticate identity.”
Embedded identity represents a leap forward in how identity solutions are integrated seamlessly into digital ecosystems, she said.
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