Fiserv (Architect / DNA / Cleartouch / Finxact)

1Kosmos Achieves DoW IL4 Authorization to Secure Military Identities and Mission Access

Integration type

Banking

What we solve

Fiserv core-banking institutions need a higher-assurance way to verify customers during digital account opening and to step-up authenticate sensitive branch or high-risk transactions—without relying on manual review or IDV tools that lack biometric binding. This integration embeds 1Kosmos BlockID Verify (IAL2 + liveness) and LiveID step-up into Fiserv DNA/Architect/Finxact workflows via AppMarket-certified APIs, webhook callbacks, and (for Finxact) event/GraphQL triggers, writing verified KYC data back into Fiserv customer records so banks can satisfy CIP/KYC, reduce fraud, and enable reusable biometric assurance across channels.

Platform identity landscape

Fiserv operates four major core banking platforms serving different institution segments: Architect (large banks), DNA (mid-size, community-centric), Cleartouch (community banks), and Finxact (cloud-native, acquired 2022). All four support the Fiserv AppMarket, a certified partner ecosystem. Fiserv's Open Finance API provides standardized REST endpoints for customer management (/customers), account management (/accounts), and transaction data. The Carat omnichannel payments platform supports developer integration via Carat APIs.

Fiserv's current IDV ecosystem includes partners such as ID Analytics (now TransUnion), LexisNexis Risk Solutions, and Socure for identity verification — but none of these deliver biometric binding, liveness detection to iBeta PAD Level 2, or FIDO2 passwordless credentials. Socure and Jumio are the most commonly embedded competitors in Fiserv workflows; neither binds a reusable LiveID biometric.

Technical integration architecture

Account opening IDV flow (Fiserv DNA):

Customer -> Fiserv digital banking portal: "Open a checking account"
    -> DNA workflow: Customer Onboarding module reaches "Identity Verification" step
    -> DNA calls BlockID Verify partner API (Fiserv AppMarket certified integration):
        POST /v2/verify/sessions
        payload: {
          institution_id: FISERV_INSTITUTION_ROUTING_NUMBER,
          applicant_reference: application_id,
          required_document_types: ["DL", "PASSPORT", "STATE_ID"]

Customer -> Fiserv digital banking portal: "Open a checking account"
    -> DNA workflow: Customer Onboarding module reaches "Identity Verification" step
    -> DNA calls BlockID Verify partner API (Fiserv AppMarket certified integration):
        POST /v2/verify/sessions
        payload: {
          institution_id: FISERV_INSTITUTION_ROUTING_NUMBER,
          applicant_reference: application_id,
          required_document_types: ["DL", "PASSPORT", "STATE_ID"]

Customer -> Fiserv digital banking portal: "Open a checking account"
    -> DNA workflow: Customer Onboarding module reaches "Identity Verification" step
    -> DNA calls BlockID Verify partner API (Fiserv AppMarket certified integration):
        POST /v2/verify/sessions
        payload: {
          institution_id: FISERV_INSTITUTION_ROUTING_NUMBER,
          applicant_reference: application_id,
          required_document_types: ["DL", "PASSPORT", "STATE_ID"]

Branch teller step-up authentication (Fiserv Architect):

Finxact-specific path: Finxact (Fiserv's cloud-native core, built on a microservices architecture with a pub/sub event bus) provides the cleanest integration path. Event types account.opened and customer.created can trigger BlockID Verify sessions directly via Finxact's GraphQL API (POST /v1/GraphQL) with a custom operation calling the BlockID REST endpoint through Finxact's Integration Framework.

Transform how you verify and authenticate

Secure onboarding, eliminate passwords, and stop fraud on one platform. Schedule a demo and see it in action.

Request a demo

Talk to sales

Transform how you verify and authenticate

Secure onboarding, eliminate passwords, and stop fraud on one platform. Schedule a demo and see it in action.

Request a demo

Talk to sales

Transform how you verify and authenticate

Secure onboarding, eliminate passwords, and stop fraud on one platform. Schedule a demo and see it in action.

Request a demo

Talk to sales