Own trust in digital payments with EUDI Wallets & SWIYU

Traditional verification methods such as manual document uploads, selfie checks and Optical Character Recognition (OCR) are costly, error-prone and cumbersome. In fact, they’re so inefficient that these legacy systems often create significant friction, increase abandonment rates and expose businesses to fraud and compliance risks.

An EUDI Wallet (European Digital Identity Wallet) is a personal digital wallet established by EU regulations that lets users securely store and present their digital identity and electronic attestations of attributes, and create legally binding electronic signatures. The wallet is supervised by EU Member States and follows common EU standards (ARF), so it can be used EU-wide for public services (e.g., tax portals, e-prescriptions, social benefits) and private services (e.g., bank onboarding/KYC, telecom SIM registration, insurance, e-commerce).

Europe’s fast-changing regulatory landscape raises the stakes further. The EU’s eIDAS 2.0 framework will require the use of digital identity wallets (EUDI Wallets) for secure and standardised identity verification across member states. Businesses across multiple sectors will need to accept these wallets by 2026/27 or risk non-compliance penalties. Organisations will need to adapt to keep up with the pace of change, and this is where digital identity comes into play.

Digital identity refers to the electronic representation of a person’s identity, which enables secure, seamless and compliant online interactions. For example, a customer might use an EUDI Wallet to prove their identity during online onboarding. Digital identity replaces outdated processes like manual document uploads and visual ID checks, builds trust, reduces fraud and creates frictionless customer payment experiences.

If your business hasn’t already thought about digital identity, now’s the time. Customers want convenient and secure experiences, regulators require compliance and businesses need solutions to grow efficiently. The right digital identity solution can address all these needs and transform how we verify identity, access services and conduct transactions online.

Digital identity is particularly important in the payments industry where security and trust are paramount. From onboarding new customers and verifying eligibility to authenticating transactions, a robust digital identity framework makes sure that processes are both secure and user-friendly.

Different businesses have different digital identity needs depending on their customers, regulatory requirements like eIDAS 2.0 and technical infrastructure. That’s why G+D Netcetera provides a flexible digital identity platform - offering tailored solutions that adapt to your specific needs and help you build stronger customer relationships

Our comprehensive platform combines three complementary products, each designed to address different steps in the identity verification and authentication journey. So whether you need centralised identity management, user-controlled decentralised identity or seamless integration with emerging digital wallets, we have the right solution for your business.

Each product serves different market needs and can be implemented at different stages of your digital identity journey, either together or independently

This flexibility lets you select the best solution for your business, customers and regulatory needs, helping you build trust and improve engagement with your users.

Customer Identity & Access Management (CIAM) manages and secures customer identities throughout their entire lifecycle. It’s the ideal solution for businesses that want to build strong, consistent relationships with their digital customers by combining centralised control with user-friendly experiences.

Key features of CIAM:

• Centralised authentication: CIAM acts as a single source of truth for customer identities, enabling secure and consistent access across all digital touchpoints.
• Scalability: Built to handle large volumes of users, CIAM supports businesses as they grow, ensuring that identity management remains efficient and secure.
• Integration capabilities: CIAM seamlessly integrates with other systems, including CRM and ERP platforms, to provide a unified view of customer identities.
• FIDO compatibility: CIAM enables passwordless authentication using the WebAuthN standard, supporting hardware authenticators or built-in authenticators enhanced by biometrics such as Windows Hello or Face ID.
• Compliance: Aligned with global regulations such as GDPR and eIDAS 2.0, CIAM helps businesses meet their legal obligations while reducing the risk of non-compliance.
• User experience: Features including single sign-on (SSO) and multi-factor authentication (MFA) enhance security without compromising usability.

brIDge serves as a digital identity gateway, connecting businesses to EUDI Wallets, eIDs and other verifiable credentials. It’s designed for forward-thinking organisations that want to future-proof their customer relationships by being ready for the next generation of digital identity.

Key features of brIDge:

• Single integration for multiple credentials: brIDge allows businesses to accept various identity sources through one unified interface, including EUDI Wallets, notified eIDs and physical documents.
• Cryptographic verification: brIDge validates cryptographically signed claims, ensuring that identity verification is both secure and reliable. This reduces fraud and false positives while providing a clear audit trail.
• Policy-driven orchestration: The solution routes identity verification based on predefined policies and Levels of Assurance (LoA), ensuring that the right verification method is used for each scenario.
• Seamless fallback options: If a user doesn’t have access to a digital wallet, brIDge can fall back to eIDs or document-based verification, keeping the process smooth and uninterrupted.
• Future-proof compliance: brIDge is designed to evolve with regulatory changes, helping businesses stay compliant with standards like eIDAS 2.0 as they develop.

As regulations evolve and customer expectations rise, businesses need to adopt digital payment solutions that are secure, compliant and user-friendly. G+D Netcetera’s platform gives you the tools and flexibility to choose the right approach for your business and help you build stronger, more trusted relationships with your digital customers.

As a key member of the APTITUDE and the WE BUILD CONSORTIUM, G+D Netcetera is collaborating with industry leaders, regulators, and innovators to develop and pilot the next generation of EU Digital Identity Wallet integrations. By participating in these consortia - where use cases include SCA and payment, travel credentials, ticketing and check-ins, and vehicle registration - we ensure that our solutions are ready for the challenges you face and are at the forefront of regulatory developments.

For organisations looking to stay ahead, now’s the time to invest in digital identity. Whether you need centralised identity management through CIAM, privacy-enhanced relationships through SSI, or future-ready wallet integration according to eIDAS 2.0 through brIDge, we can provide the tools and expertise to transform your digital identity challenges into opportunities for stronger customer relationships.

Ready to strengthen your digital customer relationships? Learn more about how G+D Netcetera’s digital identity solutions can help your business.