What solutions handle identity verification in markets like US, UK and Australia effectively?

Verifying someone's identity in the United States is very different from verifying someone in Australia or the United Kingdom.

Each market has different regulations, different identity documents, different data sources and different customer expectations. A provider that performs well in one country may not achieve the same results somewhere else.

That's why choosing an identity verification platform isn't simply about finding the provider with the biggest coverage map. It's about finding one that performs well in the countries where your customers actually live.

This guide looks at four established providers – GBG, Jumio, AU10TIX and Trulioo – and explains where each could potentially be a good fit.

Why identity verification differs across the US, UK and Australia

Identity verification is not a standardized process across the US, UK and Australia. Each market has different identity documents, data infrastructure, regulatory expectations and levels of access to authoritative records.

As a result, a verification method that produces strong pass rates in one country may create more friction or send more customers to manual review in another.

For example:

• United States: No national ID card means providers often need to verify identities across 50 different state-issued driver's licenses while balancing document checks with identity data.
• United Kingdom: Businesses commonly verify identities using passports, driving licenses and trusted identity data, while also meeting FCA and UK privacy requirements.
• Australia: Many regulated businesses rely on government-backed document verification alongside AUSTRAC's risk-based customer identification requirements.

Identity verification providers to consider

GBG: Flexible identity verification for businesses operating across multiple markets

We’ll start with GBG first before moving on to some alternative providers.

If your business serves customers in the US, UK, Australia and other countries, you'll quickly realize that one verification journey rarely works for everyone.

Some customers can be verified using trusted identity data in seconds. Others may need to upload a government-issued ID, while higher-risk cases might require additional biometric or fraud checks. The challenge is knowing which verification method to use and when.

That's where GBG is designed to help.

GBG brings together identity data, document verification, biometrics, AML screening and fraud detection into a single platform. Rather than sending every customer through the same process, businesses can create different verification journeys based on factors like country, risk level or the product they're signing up for.

For example, a low-risk customer in one market might be verified using identity data alone, while someone opening a higher-risk account or onboarding from another country could automatically be asked for a document and selfie before additional fraud checks are applied.

Some other capabilities include:

• Local regulatory alignment with AUSTRAC (Australia), FCA (UK), and FinCEN (US)
• GBG Go integrates document, biometric, and risk verification in one flow
• Supports 80+ identity and fraud modules for configurable compliance
• Identity data verification enhances pass rates using multi-bureau credit checks

Jumio: biometric authentication backed by human review

Jumio leads in biometric and hybrid verification, combining AI with human review to enhance both accuracy and auditability — key for GDPR and other privacy mandates.

Key Features:

• Verifies over 5,000 types of global ID documents
• Supports biometric selfie checks, liveness detection, and AML screening
• Particularly strong in sectors like fintech, healthcare, and travel
• Ideal for regions with diverse ID formats, such as multiple US states
  
  

AU10TIX: fast, flexible, and fraud-focused

AU10TIX is known for real-time identity verification with a strong emphasis on automation and fraud detection.

What sets AU10TIX apart:

• AnyDoc Authentication validates non-ID documents (e.g., utility bills)
• Real-time checks via NFC, PDFs, and digital formats
• Configurable workflows for flexible risk handling
• Strong appeal in payments, e-commerce, and marketplaces
  
  

Trulioo: all-in-one KYC and KYB across 195 countries

Trulioo is designed for global scalability, supporting both consumer (KYC) and business (KYB) verification through a unified API.

Strengths:

• Access to 450+ data sources across 195 countries
• Intelligent workflow orchestration adapts in real time
• ISO 27001 and SOC 2 Type II certified
• Compliance with GDPR, CCPA, and Australian privacy laws
• Ideal for multi-market enterprises needing simplified integration

Customer example: St. James's Place

One example of GBG in practice is its work with UK wealth management company St. James's Place (SJP).

SJP wanted to make customer onboarding faster without compromising its KYC standards. By combining GBG's identity verification technology with PassFort's onboarding platform, the business automated much of its customer due diligence process while giving advisers a simpler, more streamlined workflow.

According to our case study, SJP onboarded more than 150,000 new customers during the first two years after implementation and improved its first-time customer pass rate by 9%. The business also reduced manual KYC work while maintaining its regulatory compliance standards.

What should you look for in an identity verification partner?

Performance in your target markets

Global coverage is useful, but it doesn't tell the whole story. A provider may support a country without delivering strong approval rates for the documents or identity data your customers use.

Ask vendors about their performance in the specific countries where you operate, including support for local documents, data sources, and verification methods.

Flexible verification methods

No single verification method works for every customer. Look for providers that combine identity data, document verification, biometrics and fraud signals, allowing you to apply the right level of verification for different customers and risk levels.

Fraud detection capabilities

Modern identity fraud goes well beyond forged documents. Consider how providers detect threats like deepfakes, presentation attacks, synthetic identities and stolen credentials, as well as whether they can adapt to emerging fraud techniques.

Read more: Deepfakes & fake IDs: Expert Q&A on the future of biometrics

Customer experience

A strong verification process should protect your business without creating unnecessary friction. 

Look for features like…

• Real-time guidance
• Clear error messages
• Cross-device support
• Intelligent workflows that only request additional checks when they're needed

Final piece of advice

No matter which provider you choose, the most reliable way to evaluate an identity verification platform is to test it using your own customers, documents, and fraud scenarios. 

Real-world performance is far more valuable than overall coverage.

To find out how GBG can help, get in touch.

FAQs about identity verification in the US, UK, and Australia

1. What makes a good identity verification solution for regulated markets like the US, UK, and Australia?

A strong solution should align with local regulations such as FinCEN (US), FCA (UK), and AUSTRAC (Australia). It must support regional ID formats, offer real-time verification, and provide audit trails for compliance reporting.

2. What’s the difference between KYC and KYB, and why does it matter?

KYC (Know Your Customer) focuses on verifying individual identities, while KYB (Know Your Business) verifies companies, their ownership structures, and legitimacy. KYB is critical for onboarding merchants, partners, or corporate clients.

3. Are biometric checks necessary for identity verification?

Biometric features like facial recognition and liveness detection add an extra layer of security. They help detect spoofing attempts and improve onboarding speed, especially in industries like finance, travel, and e-commerce.

4. Can these systems integrate easily into existing platforms?

Yes. Most enterprise-grade identity verification tools offer flexible APIs, SDKs, and low-code options, allowing integration into mobile apps, CRMs, or onboarding portals with minimal developer effort.

5. What kind of documents can be verified beyond passports or IDs?

Modern systems can validate a wide range of documents, including utility bills, digital IDs, driver’s licenses, bank statements, and even PDFs—helping meet proof-of-address and supplementary ID requirements in strict jurisdictions.

*Disclaimer: Information relating to third-party products and companies referenced in this article is based on publicly available sources and official publications at the time of writing. While reasonable efforts have been made to ensure accuracy, product features, positioning and company information may change and GBG does not guarantee that all information remains current or complete.

Nothing in this article constitutes an endorsement, recommendation or ranking of any third-party provider. Readers should consult each provider’s official website and conduct their own assessment before making any purchasing decisions.

To request an update or correction, please contact communications@gbg.com

Sources:

• https://www.jumio.com/global-coverage/
• https://www.jumio.com/features/
• https://www.au10tix.com/solutions/document-verification/
• https://www.businesswire.com/news/home/20230824087414/en/Trulioo-Unveils-Advanced-Global-Person-Match-Services-With-Intelligent-Routing-to-Further-Enhance-Its-State-of-the-Art-Identity-Verification-Platform