Identificación digital

Introduction: Europe on the Path to a Borderless Digital Economy

The Digital Single Market (DSM) is the EU’s regulatory and economic framework that removes digital barriers among the 27 member states so that citizens and businesses can operate with full legal validity in any country.

According to official data from the European Commission, the Digital Single Market could contribute more than 415,000 million euros to annual GDP if its full potential were realized. In addition, nearly 90% of Europeans use the internet frequently, and cross-border e-commerce already accounts for a significant portion of digital consumption in the region.

However, for this vision to become a reality, it is essential to address a fundamental challenge: digital trust among countries, platforms, and users. How can we ensure that a person is who they claim to be, across borders? The answer lies in establishing a robust digital identity infrastructure, in which processes such as certified video identification play a central role.

Digital Identity as Critical Infrastructure

Just as in the physical world we need to identify ourselves to open a bank account or sign a contract, in the digital world we need a reliable, secure, and universally recognized identity.

In this context, trusted remote identification becomes a key enabler for cross-border services, from digital onboarding to the signing of electronic documents. But not just any method will do: robust, auditable technologies that align with the European regulatory framework are required, such as certified video identification or the upcoming European Digital Identity Wallet (EDIW), an initiative driven by eIDAS 2.0 to empower citizens with verifiable digital credentials that they control.

Strengthen your company’s legal certainty by understanding the evidentiary value of your signatures and notifications in this comparison between a qualified provider and a non-qualified provider.

Appearance eIDAS 1.0 (2014) eIDAS 2.0 (2024)
Scope Primarily the public sector Public and private sectors
Wallet Not applicable EUDI Wallet required by member country
Verifiable attributes Basic identity only Diplomas, ID cards, business information
Regulated Sectors No specific obligation Banking, insurance, and utilities are subject to these requirements
QTSP Voluntary Recognition Strengthened framework subject to periodic audits

Digital Onboarding

The Economic Impact of the MUD and Digital Identification

A reliable digital identity system is not only a matter of security; it is also a driver of economic growth. Enabling citizens and businesses to enter into contracts, sign documents, conduct transactions, or register digitally throughout Europe without friction or risk drives the adoption of digital services, reduces operating costs, and contributes to sustainability.

The European Commission’s impact assessment on eIDAS 2.0 projects that the widespread adoption of interoperable digital identity solutions could result in cost savings of up to 9,600 million euros annually for businesses, in addition to fostering a more level playing field for SMEs and startups across the region. Source: Impact Assessment Report — Proposal for eIDAS 2.0, European Commission, 2021.

Digital identity—and within it, processes such as video identification and European identity wallets—is the essential passport to unlocking that potential.

Common Types of Digital Identity Fraud

Ensure the legal validity of all your notifications by integrating certified delivery processes that protect your organization’s interests through enterprise compliance solutions.

Type of Fraud Description Most Vulnerable Sector
Identity Theft Using someone else’s identity to access services or sign up for Banking, insurance
Phishing and Credential Theft Deceptive collection of digital account login credentials All sectors
Identity fabrication Creating identities with forged documents Finance, utilities
Synthetic identity fraud Mixing real and fake data to create fictitious identities Banking, credit
Facial Deepfakes Generative AI to bypass biometric verification during onboarding KYC, digital banking

Phishing

Key Technologies for Combating Digital Identity Fraud

  • Electronic certificates for citizens, businesses, and government agencies.
  • Certified video identification: allows for the real-time validation of a user’s identity with legal backing, biometric verification, and session recording.
  • European Digital Identity Wallet (EDIW): verifiable, interoperable credentials under user control, with guarantees of integrity and origin.
  • Facial and fingerprint biometrics: recognition technology used to verify that the user is who they claim to be.
  • Liveness detection: a technique used to confirm that a real person is in front of the camera, rather than a manipulated image or video.
  • Automated document verification: structural and semantic analysis of official documents to detect tampering or forgery.
  • Traceability and digital audit systems: These systems make it possible to reconstruct the user’s entire interaction in the event of an audit or dispute.
  • Use of certified emails, which have high legal validity in online transactions and contracts.

These tools not only provide proactive fraud prevention, but also enable organizations to comply with regulations such as KYC (Know Your Customer) and AML (Anti-Money Laundering) without compromising the user experience. They can be used individually or in combination, depending on requirements, needs, or applicable regulations.

Prevent identity theft fraud in your business by ensuring that every registration process strictly complies with current regulations through a robust certified digital identification.

Conclusion: A more digital Europe needsa more reliable identity

The success of the European Digital Single Market depends on a quiet but decisive factor: trust in digital identity. That is why investing in technologies such as certified video identification, the European Digital Identity Wallet, and other identity verification solutions is not just a technical or regulatory decision, but a strategic commitment to competitiveness, efficiency, and security.

At a time when digital transformation is accelerating and threats are also evolving, building trust from the ground up—starting with identity—is key to making Europe a robust, fair, and inclusive digital market, and that is where technology companies must provide solutions that comply with the limits set by legislation.

Throughout this series on identity that we are beginning today, we will be exploring all the topics related to this subject that we hope will be of interest to you.

Frequently Asked Questions

What is the EUDI Wallet, and when is it required?

The European Digital Identity Wallet (EUDI Wallet) is the European digital identity wallet established by eIDAS 2.0. All Member States must make it available to their citizens by 2026. It allows users to verify their identity and attributes (age, educational qualifications, powers of representation) in any EU country with full legal validity.

Which sectors are required to implement digital identity verification?

The financial sector (banking and insurance under PSD2, IDD, and DORA), utilities, public administration, and any service subject to KYC/AML. eIDAS 2.0 extends this requirement to the private sector when it handles onboarding or high-risk transactions.

How does certified video identification differ from standard verification?

Certified video identification includes session recording, biometric verification, liveness detection, and full legal traceability, which gives it full evidentiary validity in legal proceedings and regulatory audits. A standard verification does not guarantee these legal requirements.

What is a QTSP, and why is it relevant to regulated industries?

A QTSP (Qualified Trust Service Provider) is a qualified trust service provider under eIDAS. It is the only type of provider whose electronic signatures, seals, and certificates have legal recognition equivalent to physical documents throughout the EU, making it the mandatory partner for sectors such as banking, insurance, and utilities.

Gonzalo Pose

Gonzalo Pose

Consultor Senior

Técnico especializado en transacciones digitales seguras, servicios de confianza y soluciones Cloud, con más de 10 años de experiencia en proyectos tecnológicos de transformación digital en empresas.

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