Folio’s digital wallet empowers every citizen to own and manage their digital identity.
The Folio platform spans all phases of the identity lifecycle, from Registration and Issuance through to ongoing Authentication. Governments can register a citizen once, for a particular set of services, and then leverage that investment across a wider field of departments saving money and time without compromising the level of assurance.
Folio harnesses the power of the smart phone, advanced biometrics and AI to analyse and verify critical aspects of a user’s identity, documents, photo id and actual physical attributes. Encrypted ID tokens can then be certified and issued directly to the Folio app, a secure vault held only on their smartphone, accessible only by the registered, biometrically paired user.
Whenever a citizen’s identity needs to be confirmed, online or offline, Folio manages the consent, encryption and transportation to the relying department. The highest possible level of assurance is twinned with an outstanding experience at every step.
Trust and privacy are at the centre of our company’s vision and with Folio, every user has complete control of their personal data. For 20 years we have delivered innovative citizen-centric government digital services, bringing integration and support expertise to clients around the world.
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Main office address
88 Baker Street
London
W1U 6TQ
Key Products / Services / Sectors (USPs)
Folio is an modular digital identity registration, issuance and authentication platform.
For government, Folio is a modular system that allows the organisation to configure the digital identity solution that suits their needs. End-to-end digital identity ecosystems can be delivered or alternatively an organisation may only need to issue digital identities or upgrade their verification services to leverage multi factor authentication, Folio can be configured accordingly.
To the user, the Folio app is a free, user-centric, mobile app that allows them to digitise, and manage their official identity documents as well as receive trusted digital IDs from appropriate authorities. The Folio app enables frictionless digital, and physically-present, interactions with levels of assurance that are traditionally extremely cumbersome and costly to the user and the organization. With app store (Apple and Google) user reviews averaging 4.7, the Folio user experience leads on convenience and control.
Folio is developed by a business with 20 years of mission critical, digital government initiatives around the world and are certified in NEN-ISO/IEC 27001: 2013, 9001:2015 and 14001:2015
• Simple user registration via a free mobile app.
• Digital identity issuance of government documentation directly to users.
• Digital identity authentication using multifactor, biometric authentication.
• Document verification using official templates, machine learning and OCR technology.
• Secured using PKI and RSA data encryption.
• Verify your users anywhere and at any time on a device they trust.
• Totally configurable, your documents and policies that suit your use cases.
Services
Supports eID
Yes
No
Area of focus
Consumers
Internal services (enterprise)
Identity provisioning (IdP)
As-a-Platform
API
As-a-Service
Wallet/SDK
Hub
On-board RPs
Offer translation of protocols
Handles federation
Integrate RPs/IDPs/Wallets
Can offer consent capture if required
Attribute brokerage
Can capture self-asserted
Can verify self-asserted
Can integrate with third parties (eg Open Banking)
Supports verified claims (VCs)
Verification services/support
Not supported
N/A
Yes – third party verifiers used (including Open Banking)
Yes – In-house verification service
Authentication
Password/username
Multiple factors (MFA)
Biometric
FIDO
Mobile device
Other
Data store functionality
Attribute storage
Attribute sharing
Configurable for specific sectors (e.g. health)
Use decentralised stores (eg Wallets or online)
Can offer consent capture/handling
Account management for users
Yes
No
On request
Account recovery
Self-service
Help desk
Key management required by user
Channel support
Omni-channel
Web
Mobile
Digital assistant
Wallet
Other
Protocol support
SAML 2.0
OIDC
Oauth
UMA
DID (decentralised identifiers)
Third party capability
External
Internal
Other
Other
Risk-based authentication
Anti-fraud support
Data minimisation support
Consent management
Variable registration (multi-user journey support)
Support for accessibility
Logging and audit
Billing system
User Journeys
Self-service
Offline options, incl. F2F
Upgrade paths to increase assurance levels over time
Creation of delegated accounts
Rules
To modify system behaviour
For risk-based authentication
To use events to drive transactions
To manage user journeys, including verification
To handle LOA upgrades/downgrades
API available
Yes
No
Wallet-based systems
Wallet available
SDK available
Decentralised
Handle payments
Handle identity document’s (eg drivers license)
Handle health information (eg vaccine certificates)
Other
