Trust and trade: using Internet Identity to overcome the final barrier to business online

This is a guest post by Cassie Anderson. If you are interested to guest post in this blog, just head over to the Guest Post Guidelines.


Ever wondered why you can’t fully apply for a new bank account entirely online? Or apply for a mortgage or loan? Well so did James Varga, Canadian entrepreneur, IT expert and miiCard CEO. He was struck by the need to create trust and really prove identity online to make the buying and selling of financial products faster and easier.

With 2 billion users connected on the Internet it seems strange that, in a digital world where we are connected in so many ways, we still can’t do more important business completely online.  And, with the digital economy outpacing normal GDP growth, we can’t afford this barrier to trade – so we now need to be able to support those higher value transactions entirely online.

miicardUntil now, ID verification on the Internet has only been able to prove something about you, such as an address or Credit Reference check. But this doesn’t carry enough assurance to base a business transaction on – we need to know you are who you say you are, and with the same level of assurance that your passport and driving licence carry offline.

So whether you are a business looking to increase conversion rates and reduce operational costs, or a consumer wanting the convenience of doing more online, miiCard can help. This pioneering “digital passport” will allow you to prove “I am who I say I am” entirely online and without the need for physical ID checks.

So, how does miiCard (my Internet Identity) work? Our world-first approach to identity verification is to use the information only a user would know, access details to their online bank account, and create a secure, encrypted link to this account, which has already approved a primary identity check on the user in accordance with banking regulations. This information is revalidated regularly so the user’s identity is always up to date. Security is a priority, and we use bank-level measures including 2-factor authentication and strong encryption to protect accounts. Financial data is not stored or shared by miiCard.

It is the first product on the electronic verification and identity market that can prove an individual’s identity with the equivalent level of authority that a passport or driving licence carries offline. So not only can miiCard be used to support financial product sales entirely online, but you can use it to prove you are who you say you are across the Internet, whenever and wherever you need.

We’re seeing a great interest in miiCard from people who use dating sites, social networks and also people who buy and sell on auction sites like eBay and Gumtree. These are all areas where a high level of trust is needed.

miiCard’s vision is to be the default digital passport that is used and recognised the world over. Not only will this create trust, protect consumers and fight fraud, it will help us to realise the full potential of the digital economy by allowing us to do higher value business purely online.


About the Author: Cassie Anderson on behalf of miiCard – The miiCard Digital Passport is changing the way we trust and transact online by proving your identity to the same level as your passport or driver’s licence entirely online.

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  1. Peter Lee from Computer How To Guide says:

    To give you my bank account details for verification and let you access my online bank account? I’m sorry but that sounds scary to me…
    Peter Lee recently posted..How To Score A Deal on Black Friday, HP coupon or notMy Profile

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