What’s inside

Digital identity costs show up across fraud losses, call center spend, and vendor fees, yet rarely get treated as a C-suite priority. This guide outlines where the P&L impact comes from and how banks can move forward, covering:

• The biggest identity-related cost drivers across banking P&L

• Why digital identity lacks a single choke point for ownership today

• The profit upside from improving onboarding and login authentication

• An incremental path to fix high-impact identity use cases quickly

• A C-suite-led path to address digital identity end to end