Consumer Identity and Access Management (CIAM) is a rapidly growing specialty within Identity and Access Management, driven by businesses and public-sector organizations needing better digital experiences while collecting richer consumer data to increase sales opportunities and brand loyalty. CIAM also supports regulatory demands such as Know Your Customer (KYC) requirements aimed at reducing money laundering, cyber-crime, terrorist financing, and fraud. In the EU, GDPR requires clear, unambiguous, purpose-specific consent, which many CIAM platforms address through consent capture, user dashboards for managing data-sharing choices, consistent privacy policy enforcement, and mechanisms to notify users of updated terms and collect acknowledgement. PSD2 further raises requirements by mandating strong customer authentication (SCA) and behavioral analysis for transaction authorization, making sophisticated CIAM capabilities a competitive advantage for financial institutions.
Onegini, a Netherlands-based provider founded in 2011, offers Onegini Connect as on-premises software or single-tenant SaaS. It targets finance, health care, and insurance, aiming for frictionless onboarding while maintaining strong security. The platform supports a wide range of identity providers for registration (including regional bank and government IDs), remote identity proofing via integrations (e.g., IDnow, Mitek ID Checker, WebID Solutions), and broad authentication options for web and mobile. Mobile integration is strengthened by extensive SDK support and native authenticators (device ID, PIN, biometrics), including FIDO-enabled facial recognition.
Onegini provides basic identity analytics dashboards and exports data via APIs for analysis in SIEM tools (e.g., ArcSight, LogRhythm, QRadar, Splunk) and marketing platforms (e.g., Marketo, Salesforce). GDPR support includes consent dashboards, deletion requests, and EU-based data centers. The solution supports branding, portal-based self-registration, LDAP bulk import, and standards-based integration (SAML, OAuth, OpenID Connect), with SCIM planned on its roadmap. Strengths include diverse authenticators, mobile security, and IoT integration for insurance use cases, while challenges include limited built-in marketing analytics and a need for stronger compromised-credential and threat-intelligence integrations.
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