# Identity Insights for Accounts
source: https://developer.mastercard.com/identity-insights-for-accounts/product/identity-insights-for-accounts/index.md

### Opportunity {#opportunity}

Optimize your account opening workflows with dynamic identity data to accurately assess risk and convert more consumers.

###### Build long-term value and trust with new customers {#build-long-term-value-and-trust-with-new-customers}

Leverage passive, predictive signals to confidently onboard and convert good customers with the best possible user experience.

###### Convert a wider range of customers, including thin-file applicants {#convert-a-wider-range-of-customers-including-thin-file-applicants}

Utilize dynamic identity data, device intelligence and scoring to assess applicants confidently -- even those with limited or untraditional financial history.

###### Improve synthetic identity and device fraud detection {#improve-synthetic-identity-and-device-fraud-detection}

Detect and block device spoofing and synthetic identity patterns that can be missed through traditional identity verification checks.

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### Key Features {#key-features}

Mastercard Identity Insights for Accounts brings together device intelligence, individual attributes (PII) and predictive signals in a single API for simplicity and improved risk management.

###### Individual attributes (PII) {#individual-attributes-pii}

High-quality licensed data from global providers to assess the validity of individual attributes and how they are linked.

###### Predictive signals and scores {#predictive-signals-and-scores}

Network and model-derived predictions to assess the potential risk of an application and inform onboarding decisions and rules.

###### Device intelligence {#device-intelligence}

Real time signals to assess device authenticity, spoofed settings, or association with past fraud across our device network.

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### How It Works {#how-it-works}

Identity Insights for Accounts streamlines the digital onboarding process by providing real-time data to confidently perform risk assessments and apply more or less friction dynamically.

![how it works](https://static.developer.mastercard.com/content/identity-insights-for-accounts/uploads/IIA_Customer_Flow_Chart.png)

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### Use Case {#use-case}

###### Account Opening {#account-opening}

Mastercard Identity Insights for Accounts is the ideal solution for adding dynamic insights to digital account opening workflows. Quickly distinguish low-risk applicants from high-risk applicants with data and risk scores via one API call and response from a single vendor contract.

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### Why Use It? {#why-use-it}

It isn't easy to balance evolving customer expectations and risk management.

Traditional identity verification methods weren't designed for digital-first environments and rampant synthetic identity fraud. With additional identity insights and predictive signals, it is possible to meet customer acquisition and fraud prevention goals:

### 5 minutes

is the point when digital banking applications abandonment starts to surge.^1^

### +70% of consumers

want to open financial accounts online, especially in growing economies like Brazil, Thailand, and Vietnam.^2^

### 3 in 5

consumers will switch to a competitor after just one bad experience online.^3^

###### 1. INSIDER INTELLIGENCE US ACCOUNT OPENING BENCHMARK, 2022 {#1-insider-intelligence-us-account-opening-benchmark-2022}

###### 2. FICO ACCELERATED DIGITAL-FIRST MINDSET, AUGUST 2021 {#2-fico-accelerated-digital-first-mindset-august-2021}

###### 3. ZENDESK GLOBAL CUSTOMER EXPERIENCE (CX) TRENDS REPORT, 2023) {#3-zendesk-global-customer-experience-cx-trends-report-2023}

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### Resources {#resources}

Identity Insights for Accounts

Dynamic identity data for optimizing digital onboarding

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**Used
By** Financial Services, Merchants, Marketplaces and Partners **Regions** This API is available globally except for Russia, India, Iran, North Korea, Darfur region of Sudan, Syria, and Ukrainian Regions (Crimea, Donetsk, and Luhansk).

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