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Case Study

Designing an identity verification experience that's easy to use

Regulated businesses have to know who their customers are, and identity verification is how they find out. I designed the part of Vaiie’s Identify product that customers use. 

The checks themselves weren’t negotiable. Regulation decided what had to happen, and the verification technology decided how. My job was to make a complex process engaging and effortless.

Client
Vaiie
Categories
RegTech, Startup
Role
Persona Development, Customer Journey Mapping, Wireframing, UX Design, User Interface Design, Zero to One Design
Year
2023

At a glance

  • A verification journey designed around real people, from personas to MVP
  • Shipped white-labelled and device agnostic
  • Went on to become a government-approved digital identity verification platform

The problem

Verification is high friction by nature. It makes people stop what they were doing, find an ID document, complete a liveness check and sometimes upload supporting documents. Every one of those steps is a place to drop off.

And there were limits on what I could change:

  • The rules. Regulation decided which checks had to happen.
  • The technology. The liveness check and document capture came from the verification vendor.
  • The context. Customers might reach the journey at sign-up or weeks later from an email, on whatever device they had. Clients could embed it in their own pages, link to it on its own URL or use the API.
  • The brand. It had to look and feel like each client. Verification is often a customer’s first real interaction with a business, and they don’t know who built it. A smooth one is a competitive advantage. A poor one reflects badly on the client.

The solution

Five Vaiie Identify persona slides fanned out. The front one profiles Greg, 36, a marketing manager applying for a car loan, with a familiarity rating for ID&V, background notes, and sticky notes covering his behaviours and frustrations

1. Starting with personas

I built personas from research on past implementations, which gave the team specific people to design for. They covered everyone who used the product, including the back office staff who set up each client’s theme. Some focused on accessibility needs.

Two user story mapping boards for Vaiie Identify, phase one and phase two. Both run across seven steps from welcome email to status, with persona-tagged story cards beneath each, and phase two adding four proposition cards setting out an assumption and a proposed solution

2. Deciding what to build first

I split the journey into steps, wrote user stories for each and linked them back to the personas. That made it easier to agree on what to ship first, which is usually the hardest conversation on a project.

Three features came out of the process:

  • Moving a session to another device
  • Uploading a picture of an ID manually
  • Guided capture with real-time feedback

Each one removed a dead end that real people had hit in past implementations.

Three stacked Vaiie Identify customer journey maps. The front one follows Greg, a marketing manager verifying his identity on a smartphone, across six stages from welcome to status, with rows for his actions, thoughts, an emotion line that dips negative during ID capture and the selfie, and colour-coded pain points and opportunities
A flow diagram of the Vaiie Identify verification journey, from the invitation email and device check through SMS one-time passcode, ID capture by webcam or manual upload, the selfie check and document upload, with branches for each failure and retry

3. Smoothing out the sticking points

  • The start. Most people arrived unprepared, so the journey now tells them upfront what they’ll need and how long it takes.
  • Equipment. If someone has no webcam or their device fails a device check, the journey now offers another way to proceed.
  • Capture. The hardest part. I worked out that the size of the frame lines and the video player sets how far away someone holds their phone. If those are off, people end up holding their device too close or too far away.
Around thirty greyscale wireframes for the Vaiie Identify flow, covering phone verification and its error states, the device check, document type selection, photo guidance, selfie video recording and supporting document upload

4. Designing the unhappy path

I wireframed every point where something could go wrong: a one-time password error, a device check that fails, a verification that comes back negative. Each one gives the customer a clear next step, so a problem never has to end the journey.

The Vaiie Identify liveness check on a phone held up in a bright room: a camera preview with an oval face guide, instructions to press Record and follow the on-screen prompts, and a Record button

5. Fixing what I could control

The liveness check included a voice-to-text comparison, which proves there’s a real person in front of the camera. People had to read aloud a random set of numbers shown on screen.

In testing, most people shown “33-44-11” read out “three three four four one one”, but the check expected “thirty-three forty-four eleven”. So genuine people were failing.

I couldn’t change the spoken test, as that was part of the vendor’s technology. So I changed how the numbers were formatted on screen, and people started reading them the way the check expected. Successful verifications went up noticeably.

Four phones showing the first four steps of the Vaiie Identify verification flow: entering an SMS security code, framing the photo page of a passport, positioning a face within an oval to record a liveness check, and uploading supporting documents

Outcomes

  • Vaiie Identify shipped white-labelled and device agnostic. Each client could make it their own, and customers could get through it on whatever device they had.
  • Reformatting the numbers in the liveness check increased successful verifications, without any change to the vendor’s technology.
  • Identify went on to become a government-approved digital identity verification platform.

Jon branded our entire suite of regulatory technology tools that sit at the heart of the business. 

He brought a real moment of clarity during a period of complexity - from brand identity and product design through to working prototypes, and from managing agencies to working directly with clients, he made it all look effortless.

Lee BosioLee Bosio CEO, Vaiie

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