Success in Digital Finance is not a miracle, but a combination of having the right offerings and services, and delivering a seamless and modern digital experience to the customers. Digital Identities take a central role in such digital experience, from the identity verification and digital onboarding process to recurring authentication and efficient processes based on “electronic paper”, with signing, sealing, and so on. XAYONE (formerly known as Oxyliom, referred to as Oxyliom in this report) delivers an integrated platform that supports all parts of identity services for a modern digital experience in finance, supporting the various regulations around KYC and AML, but also Open Banking, PSD2, and privacy regulations such as GDPR.