It’s an easy choice, isn’t it?

Siloed identity: the old way

We know the siloed approach all too well. Every organization has unique authentication routines, primarily a series of usernames and passwords that always seem to expire at the worst times. Most of us wind up trying to manage dozens or hundreds of these username/password combinations

We understand the headaches.

If your credit union still uses siloed authentication processes today, think what it’s like for a typical member.

Each channel verifies identity in a different way. The call center wants the last four digits of your Social Security number and your mother’s maiden name. Online banking needs a username and password that periodically expire. The drive-through asks to see your driver’s license.

Face it. Siloed identity just isn’t very user friendly.

Self-sovereign identity – the better way

While complex and sophisticated technology underlies self-sovereign identity (SSI,) clear basic principles guide it. The path forward to having control over our own identity information is clear and it’s way better than the alternative.

SSI operates under four key principles

The principles outlined here are designed to ensure users control their own data. This is at the very heart of SSI. It means we have full control our own digital identity and we get to choose where, why and to whom the information is disclosed.

  1. You will have access to your identity data and control over when and where it’s used
    This means you should always be able to see your data and know about claims and other data-access episodes related to your online identity. You’ll avoid hidden data and never again have a third-party gatekeeper limit access to your identity data.

You will have ultimate control of your personal data. You can choose to be as public or as private as you desire.

  1. Your data will be transparent, portable and platform-independent
    Your identity data be open source, independent of any particular architecture and transparent to you, the data owner. And it should live forever, or at least as long as you wish. Plus, your identity-related data must be portable and not governed by any third-party entity.

These three qualities ensure you will keep control of your identity no matter what.

  1. You decide when to share information and how much of it to share
    This means you have to agree with request to provide Identity-related data. Further, when you choose to disclose personal data, you should only have to share the minimum amount necessary for the task at hand.
  1. Your right to privacy is recognized
    Sometimes there’s a delicate balance between a person’s right to privacy and the need to disclose certain information for the security of the larger group. This principle states when there’s a conflict between the two positions, generally preserving your individual identity rights should be superior to the group demands.

MemberPass, the credit union SSI digital identity, is available for you right now!

Create omnichannel digital trust and a significantly better member experience. It’s easy! MemberPass creates smooth, seamless authentication across all member contact points.

To learn more about MemberPass, email us to request a demo or FAQ list, register to attend a webinar, or visit us at

CULedger, a credit union service organization, offering MemberPass, the simplest, most secure and convenient method to verify your members. We leverage touchless, privacy-enhancing technology to protect credit unions and members from identity theft and fraud. MemberPass will revolutionize how you say “hello” to a member. Visit or email