Fergal Parkinson
Published on: September 5, 2025
The ability to establish and protect a trusted identity has become a fundamental aspect of modern fraud prevention. Banks, fintechs, telecoms and iGaming operators need to know with certainty who they are dealing with, while users increasingly demand quick, seamless access to services.
Meeting both requirements has led to the development of the digital identity stack, a structured framework for verifying, managing and safeguarding identities across the customer lifecycle.
However, not all identity stacks are as strong as the other. Many still rely too heavily on static credentials such as passwords, knowledge-based questions or document uploads, which introduce friction and leave gaps for fraudsters to exploit.
Mobile number intelligence offers a new dimension to the digital identity stack, delivering dynamic, network-level insights that make identity management stronger, faster and more compliant.
A digital identity stack is the layered architecture organisations use to manage the lifecycle of a customer’s identity. Each layer contributes a distinct function:
Together, these layers create the foundation of trust that digital services depend on. The challenge is ensuring the stack is resilient enough to meet both security demands and compliance obligations without overburdening customers and allowing for flexibility to adapt with changing legislation.
At the initial onboarding stage, organisations must validate that a customer is real and that their information is accurate. Mobile number intelligence strengthens this process through KYC match, which compares the details provided at sign-up – such as name, date of birth and address – against the information held on the mobile number’s contract. This ensures the individual is who they claim to be and provides a strong layer of assurance before an account is created. Additional checks such as verifying the authenticity of the mobile number and detecting risk indicators like recent SIM swaps, number porting events or recycling further reinforce trust while keeping the process seamless.
For regulated industries, this provides a strong complement to traditional KYC checks, offering additional assurance that the individual registering is genuine. Because these checks occur instantly via secure APIs, they reduce reliance on manual document reviews and support a faster, more seamless onboarding flow.
Authentication is often where customer frustration peaks, particularly when outdated methods like SMS one-time passcodes fail due to interception risks. Mobile number intelligence enables silent authentication, verifying the legitimacy of a user in the background through real-time network signals.
This approach not only strengthens account security against takeover attempts but also improves compliance with AML requirements for safeguarding access to financial systems. Customers benefit from a frictionless login process, while businesses gain confidence that only verified users are accessing their platforms.
A modern identity stack goes beyond simply proving someone’s identity; it must also manage verified attributes that are relevant to compliance and access. Mobile intelligence contributes valuable signals such as verified ownership of a number or confirmation of age eligibility through carrier data.
For sectors involving iGaming, sensitive content hosting, or online marketplaces, where age assurance is a regulatory requirement, mobile data can provide fast, reliable checks that reduce dependence on manual uploads. This makes compliance easier to scale while protecting customers’ privacy.
Identity is not static. Customers change devices, numbers are reassigned, and fraud tactics evolve. A resilient digital identity stack must incorporate continuous monitoring. Mobile number intelligence excels here, offering ongoing insight into events such as SIM swaps, device changes or suspicious porting activity that may indicate heightened fraud risk.
By feeding these dynamic signals into transaction monitoring systems, organisations can take a proactive approach to AML compliance, flagging high-risk scenarios before they escalate. This ensures fraudsters are disrupted without placing unnecessary restrictions on legitimate users.
Strong identity stacks must balance risk management with privacy. Mobile number intelligence is designed with compliance in mind, offering data through secure, consent-based APIs that align with frameworks such as GDPR. This ensures businesses can strengthen their risk controls while respecting customer privacy and building trust.
The benefits of embedding mobile intelligence into digital identity stacks extend across multiple sectors:
A digital identity stack is only as strong as the signals it relies upon. By incorporating mobile number intelligence, organisations can reinforce every layer of their identity architecture, from onboarding and authentication to continuous monitoring and compliance reporting.
The result is a system that not only meets regulatory demands but also enhances the customer journey, combining trust, security and convenience. For regulated businesses seeking to future-proof their digital identity strategies, mobile number intelligence is no longer optional. It is a core component of a stronger, smarter identity stack.
To discover how TMT ID can help strengthen your digital identity stack with mobile intelligence, speak to our team today.
Last updated on September 5, 2025
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"TeleShield from TMT gives 42com the power to detect and target telephony fraud scams internationally, thereby protecting our company from the financial and customer experience impacts of telecommunications fraud."
"It has been a pleasure to work with the team at TMT. They have become an essential provider of accurate numbering data information and Number Portability services globally."
"Deutsche Telekom Global Carrier uses TMT ID as one of their key suppliers for Mobile Number Portability Data services. Deutsche Telekom Global Carrier uses TMT ID’s Velocity MNP solution. This is an ultra-fast query service that optimises the routing of international voice calls and A2P messaging."
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