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Organizations across sectors, including businesses, non-profits, and governments, must engage effectively with users online, making identity a critical component of these interactions. User accounts require registration, often with varying levels of identity assurance at registration and periodically afterward. Authentication is necessary to access services, and its strength varies with the authentication method used. The management of customer information is crucial for personalization and marketing, potentially increasing commercial revenue, yet must comply with diverse and stringent data privacy regulations. Although consumer-facing organizations generally implement some form of identity and access management (IAM) systems for account handling, existing solutions frequently fall short. Many systems are originally designed for enterprise/workforce scenarios and lack essential features for consumer engagement. Homegrown consumer IAM (CIAM) systems often fail to deliver needed capabilities like secure authentication, identity analytics, privacy compliance, and enriching user experiences.