The 10 Most Trusted Identity & Access Management Solution Providers of 2021

1. ISSUE 01 I VOL 02 2021 Digital Advancements Get Smart in a CONNECTED WORLD The 10 Identity & Access Management Solution Providers of 2021 Most Trusted Tech Tomorrow Preparing for the future in the age of uncertainty PROVIDING REAL-TIME FRAUD PREVENTION AND ACCOUNT PROTECTION

4. EDITOR’S NOTE A Digital Perimeter Ensuring Secured Network C to work remotely. As it was a sudden transformation, many businesses didn’t get a chance to prepare for it. OVID-19 came with a lot of shocks for businesses. One of the unexpected things it threw on organizations was enforcing their entire workforce With remote working came increased risks of cyberattacks, as multiple people accessed network from various locations. Providing secure access of the right enterprise assets to the right users in the right context, became the need of the hour. This is where having a robust Identity & Access Management infrastructure comes into the picture. As the number of remote workers were increasing, the demand for IAM was growing too. The research carried by Technavio suggests that the identity and access management market is poised to grow by USD 15.15 billion during 2020-2024, progressing at a CAGR of over 14% during the forecast period. A reliable IAM infrastructure maintains a balance between fraud prevention and user’s account protection. By adding an extra layer of security on the network infrastructure of businesses, some exceptional IAM solution providers have been delivering revolutionary IAM solutions. In order to acknowledge and admire these businesses, CIO Look has enlisted “The 10 Most Trusted Identity and Access Management Solution Providers of 2021.” This listing highlights those businesses which are helping businesses secure their data and enabling growth. Featuring on the cover of this edition is Kount, which has pioneered enterprise fraud prevention. In the early 2000s, eCommerce merchants were struggling with

5. fraud, which caused many to go out of business. Those that survived did so under the constant threat of heavy fines and penalties from credit card brands for excessive chargebacks. Many owed more than $1 million annually. Recognizing both a need and an opportunity, the Co- Founder and CEO of Kount, Brad Wiskirchen, and his co-founders commissioned a study to determine fraud pain points and what businesses would want to see in a comprehensive fraud control solution. Armed with this intelligence, Wiskirchen launched the world’s first (and only) purpose-built, enterprise- level, comprehensive fraud control solution—Kount—in 2007. From repeatedly innovating years ahead of the pack to building a business that now helps more than 9,000 brands in over 250 countries and territories review billions of transactions annually, no executive has impacted the identity and fraud industries as significantly as Wiskirchen. He and his team immediately filed patent applications for their innovations. Today, Kount holds 39 patents with more pending. While flipping the pages, make sure to scroll through the articles written by our in-house editorial team and CXO standpoints of some of the leading industry experts to have the know-how about the industry. Happy Reading! Hitesh Dhamani

6. COVER STORY 08 Kount Providing Real-time Fraud Prevention and Account Protection C O N T E N T S ARTICLE 38 Digital Advancements Get Smart in a CONNECTED WORLD

7. 22 Tech Tomorrow Preparing for the future in the age of uncertainty 30 Leaders Viewpoint HyperAutomation and no code AI are coming to rescue businesses 18 CIS CIOLOOK Magazine names CIS one of the top 10 Trusted Identity and Access Management Providers 2021 26 EasySecure International Committed to Provide Top-notch Identity Management Solutions 34 Idcheck Ensuring Robust and Seamless Digital Security 40 Ondato Turning Compliance into Business Benefit

8. Abhishaj Sajeev Editor-in-Chief CONTENT FOLLOW US ON www.facebook.com/ciolook www.twitter.com/ciolook Senior Editor Alan Swann Executive Editors Sourabh More Alex Spellman WE ARE ALSO AVAILABLE ON DESIGN VisualizerDave Bates CONTACT US ON Art & Design Director Kartik Balapurkar Associate Designer Kushagra Gupta Email info@ciolook.com For Subscription www.ciolook.com SALES Senior Sales Manager Kshitij S. Customer Success Manager Dawn Cook Sales Executives John, Avinash, Sangram Copyright © 2021 CIOLOOK, All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from CIOLOOK. Reprint rights remain solely with CIOLOOK. TECHNICAL Technical Head Aditya K. Technical Consultant Victor Collins abhishaj@ciolook.com sales@ciolook.com January, 2021

9. Company Name Featuring Person Brief Computer Integrated Services (CIS) cisus.com Robert Rawson Chief Identity & Access Officer CIS provides high-end services in IT Consultation and Complex IT Integrations to clients throughout the nation. Daan Kalkman Deputy Director and Werner Roes, CEO EasySecure International easysecure.com EasySecure International, founded in 2005, specializes in access control, time registration, attendance, project registration and visitor management. Founded in 2013, FaceTec is the world leader in 3D Face Authentication software with offices in San Diego, CA, Summerlin, NV, and with partners globally. FaceTec facetec.com Satya Yenigalla COO Idcheck provides Biometric Identity Screening, Document Authentication and a fully automated KYC solution (including Credit and Sanctions Checks, Proof of ID and Address) for 140 Countries. Idcheck idcheck.tech Sara Statman Founder & CEO Insight Enterprises Inc. insight.com Insight Enterprises Inc. empowers organizations of all sizes with Insight Intelligent Technology Solutions™ and services to maximize the business value of IT. Ken Lamneck CEO irisguard is the leading supplier of iris biometric technology platforms for large-scale humanitarian deployments, focused on managing trusted human authentication requirements for large populations. irisguard irisguard.com Imad Malhas CEO Kount’s Identity Trust Global Network delivers real-time fraud prevention and enables personalized customer experiences for more than 10,000 leading brands and payment providers. Kount kount.com Gary Sevounts CMO Founded in 2007, My1Login has been cited as a Global Leader in Identity Management by CB Insights, protecting enterprise cyber security threats through its Identity and Access Management solutions. My1Login my1login.com Mike Newman CEO Ondato provides a complete compliance management suite in regards to the know businesses' customer procedure. Ondato ondato.com Liudas Kanapienis CEO Traction Guest, the leader in enterprise visitor management, empowers businesses across five continents and dozens of industries to make on-site experiences for employees and visitors safe, secure and effortless. Traction Guest tractionguest.com Keith Metcalfe CEO

10. Cover Story

11. Providing Real-time Fraud Prevention and Account Protection

12. Brad Wiskirchen Co-Founder & CEO

13. Kount's Identity Trust Global Network delivers real-time “ fraud prevention and enables personalized customer experiences for more than 9,000 leading brands and payment providers. T Impactful Leadership he future of fraud prevention is complete customer journey protection with personalized user experiences. At each interaction point, businesses can dynamically introduce or eliminate friction based on identity trust. Advanced AI and proactive analytics enable businesses to make strategic decisions and flip the script on fraud prevention. Recognizing both a need and an opportunity, the Co- Founder and CEO of Kount, Brad Wiskirchen, and his co-founders commissioned a study to determine fraud pain points and what businesses would want to see in a comprehensive fraud control solution. Armed with this intelligence, Wiskirchen launched the world's first (and only) purpose-built, enterprise-level, comprehensive fraud control solution—Kount—in 2007. Kount pioneered enterprise fraud prevention, and the company was founded out of necessity. In the early 2000s, eCommerce merchants were struggling with fraud, which caused many to go out of business. Those that survived did so under the constant threat of heavy fines and penalties from credit card brands for excessive chargebacks. Many owed more than $1 million annually. From repeatedly innovating years ahead of the pack to building a business that now helps more than 9,000 brands in over 250 countries and territories review billions of transactions annually, no executive has impacted the identity and fraud industries as significantly as Wiskirchen. He and his team

14. immediately filed patent applications for their innovations. Today, Kount holds 39 patents with more pending. In 2020, Kount released seven new products and solutions and earned substantial industry recognition as the leader in identity trust and fraud prevention. empower businesses to approach their eCommerce strategies proactively. Kount Command uses the Identity Trust Global Network and advanced AI to protect against payments fraud and chargebacks. Kount Command is trusted by more than 9,000 companies to reduce digital payments fraud, protect against chargebacks, and deliver personalized customer experiences. Personalized Customer Experiences Kountis the leader in digital identity trust and fraud prevention. Kount's Identity Trust Global NetworkTM delivers real-time fraud prevention, account protection, and bot detection and enables personalized customer experiences for more than 9,000 leading brands and 50 payment providers and card networks. Linked by Kount's award-winning AI, the Identity Trust Global Network analyzes signals from 32 billion annual interactions to personalize user experiences across the spectrum of trust—from creating frictionless experiences to blocking fraud. Quick and accurate identity trust decisions deliver safe payment, account creation, and login events while reducing digital fraud, chargebacks, false positives, and manual reviews. Kount Control provides adaptive account takeover protection using a layered approach to make risk or challenge decisions dynamically, in real time. Kount Control gives businesses a unified and customizable solution to combat malicious logins and bots, credential stuffing, and brute-force attacks while enabling personalized customer experiences through an adaptive friction model. Event-Based Bot Detection advances beyond network- and device-based solutions, such as CDNs and WAFs, that protect IT infrastructures against many malicious bots. Kount's new solution delivers comprehensive protection for all events across the digital customer journey, including account creation, login, coupon or loyalty point redemption, and payment. It can quickly identify good and malicious bots, analyze and classify questionable bots, and enable customized responses by adapting policies within minutes based on the bot's behavior and desired business outcomes. Complete Customer Journey Protection Kount's Identity Trust Platform provides complete customer journey protection from account creation and login to payment transaction and bot detection. Further, Kount's advanced, deep data analytics

15. ease of eCommerce will cause many to continue to engage in this fashion. Data on Demand is the industry's first private data warehouse enriched with insights from Kount's Identity Trust Global Network, powered by advanced artificial intelligence and machine learning. Hosted by Kount and fueled by Snowflake, Data on Demand gives enterprises the unprecedented ability to employ data proactively to increase revenue opportunities via customized up-sell, cross-sell, and down-sell initiatives. Businesses can use Data on Demand to reduce friction, discover omnichannel customer behavior, and evaluate fraud prevention initiatives. This marks a permanent shift. Businesses that hadn't yet embraced eCommerce were forced to do so overnight to survive. Digital businesses have faced unique challenges in 2020. Some experienced dramatic changes in transaction volume. Some needed to quickly pivot to accelerate digital offerings. And some experienced fraud, as bad actors took advantage of eCommerce changes. With digital transformation comes risk. Navigating and staying ahead of that risk requires a trusted partner like Kount. Trusted Security Partner Adapting to Changing Consumer Demands The coronavirus pandemic has permanently altered the way we engage with eCommerce. In a matter of months, digital transformation accelerated more than it might have in years. More consumers are doing more business online, from ordering necessities to ordering dinner. While some in-person activities and purchasing has resumed and will continue, the convenience and As digital businesses experienced dramatic changes in 2020, it was key that Kount not only provide expert fraud prevention solutions but overcome the limitations set by the pandemic. In a matter of days, businesses experienced dramatic changes in transaction volumes. Suddenly, purchases that were

16. historic data, was instrumental in helping businesses adapt to changing consumer demands in real-time. Use of Advanced Technologies Advanced, adaptive AI and machine learning are key to effective fraud prevention across the customer journey. Using the Identity Trust Global Network, Kount's AI emulates the instincts and experience of an experienced fraud analyst by taking into account both historical fraud patterns and anomalies. Supervised machine learning analyzes historical fraud data and is trained on Kount's Identity Trust Global Network, which includes billions of transactions from over 13 years of data in over 250 countries and territories and over 50 payment and card networks. Then unsupervised machine learning analyzes potential anomalies and emerging fraud trends. Unsupervised machine learning employs advanced algorithms and models to detect anomalies faster, more accurately, and on a more scalable basis than human judgment alone. once odd and seemingly risky were normal—i.e., ordering a large volume of hand sanitizers in the middle of the night. Kount leaned on its Identity Trust Global Network and adaptive AI to serve businesses. Kount's AI combines both supervised and unsupervised machine learning to detect existing and emerging fraud. Kount's unsupervised machine learning, which doesn't require Kount's AI weighs these results and produces a highly accurate risk score, Omniscore, in less than 250 milliseconds. Having a risk score means businesses can decide what fraud confidence thresholds they're comfortable with and drive desired outcomes like

17. higher revenue, reduced fraud losses, and customizable customer experiences. providers for their growth strategies and track records. And it assesses their ability to develop globally applicable and innovative solutions that align with megatrends and customers' changing needs. Globally Applicable and Innovative Solutions The independent analyst firm Forrester Research named Kount a “Strong Performer” in The Forrester TM Wave : Risk-Based Authentication (RBA) for Q2. Kount tied for the highest score in the Current Offering category. Kount was one of just seven companies to be included in the Forrester Wave for RBA. Fast Company's annual list of the World's Most Innovative Companies for 2020 recognized Kount in the security category. The prestigious list honors the businesses making the most profound impact on both industry and culture, showcasing a variety of ways to thrive in today's fast-changing world. TM The independent research firm Mercator Advisory Group ranked Kount the Best e-Commerce Fraud Detection Solution in its vendor comparison. Mercator analysts assessed more than 40 fraud prevention providers and selected five that offer complete solutions for a detailed comparison across five attributes. Kount ranked highest overall with a 4.58 out of 5, as well as first in two categories. The JMP Securities Elite 80 listed Kount among the hottest cybersecurity, data management, and IT infrastructure companies for the second year in a row. The JMP Elite 80 highlights the most interesting and strategically positioned private companies in cybersecurity and IT infrastructure. Kount was the only digital fraud prevention company on the list. The Elite 80 recognizes companies that leverage powerful technological advantages to disrupt traditional business models and dominate their respective markets. The 2020 Frost & Sullivan eCommerce Fraud Prevention Radar ranked Kount a leader for growth and innovation. The Frost Radar analyzes fraud prevention

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20. Computer Integrated Services CIOLOOK Magazine names CIS one of the top 10 Trusted Identity and Access Management Providers 2021 T getting larger and more complex. Regulatory requirements are a mounting challenge. Robert Rawson, he conventional methods of access, authorization, and authentication are in transition.Enterprise IT environments are business unit in conjunction with Chief Identity Access Officer Justin Tuchman, Senior Sales Executive, has vast experience and success in the IDM space at CIS for well over a decade, working closely with our large enterprise clients. CIS' . Expanding Footprints CIS' consulting arm creates and enhances Identity and Access Governance solutions for its clients which leverage several different vendor product lines. The company has delivered solutions working with a single vendor suite or a mixture of products whether newly deployed or incumbent. Meanwhile, SaaS is enabling individual lines of business to implement their own solutions without the participation of IT. Often these self-administered systems become business critical parts of the infrastructure. Ultimately, IT will be held accountable for the operational fidelity and security of those. Over time, this can spiral into a death of a thousand paper- cuts. One of the challenges it has seen in the marketplace is that the knowledge and expertise in identity technologies can be challenging to find. This limits both the decision to deploy solutions as well as how much those solutions can expand their footprint within the enterprise, limiting their value. Investing in staff can be both difficult and risky. The company's CIS-MIAMI™ brand (CIS-Managed Identity and Access Mangement Infrastrucures) is a collection of managed service offerings suitable to provide value to clients with many different levels of identity sophistication. Computer Integrated Services' Identity Management (IDM) team offers unparalleled expertise in creating the infrastructure that will unify administration, automate and audit identity life cycles. It can codify provisioning, governance and authentication processes across heterogeneous platforms while augmenting security through a variety of Identity and Access Management solutions for both on and off-premises applications. A System Integrator Computer Integrated Services started as a systems integrator servicing the Tristate New York area in 1995. CIS has since expanded its breadth and depth to providing world-class consulting services to over 300 clients across North America and beyond. Services like "CIS-MIAMI™ Monitor" provide tools to watch not only what the IDM infrastructure is doing but also connected system failures that might be impeding integrations. "CIS-MIAMI™ Run" is a tiered managed service that can provide cost-certain vendor- independent direct support or escalation services to your organization. Other offerings include "CIS- MIAMI™ Update" which monitors your versions to report on your product's vendor support horizon and On the strength of its IAM team, CIS has become one of the preeminent Identity and Access Governance specialty practices in the world. It's Co-founder and President, Todd Hershman personally oversees this 18 | January 2021 |

21. ?e “ customer's success is the only measure of your success. “ Robert Rawson Chief Identity &Access Officer Computer Integrated Services 19 | January 2021 |

22. "CIS-MIAMI™ Consult" to lend expertise to decision- makers in the space. In terms of disaster preparedness, CIS has always been ahead of the curve. During 9/11, when downtown Manhattan was shut down, the CIS wholly-owned data center in Netcong NJ supported our client base throughout a protracted crisis. CIS was featured in a cover story in Computer Reseller News for our forethought and vision. While many companies went out of business or were significantly affected, CIS clients-maintained business continuity. Artificial Intelligence and Machine Learning are emerging in products in the Identity space. There can be tremendous advantages, especially within larger enterprises, to help distinguish bad actors from a large field of good ones, to identify and leverage the natural collaborative trends which transcend formal organizations, and to help navigate a growing regulatory landscape. Computer Integrated Services feels that as these products mature more applications of them will become more clearly defined for businesses large and small. Embracing Cloud Technology As for today's pandemic, CIS continued forward- thinking has kept the wheels of commerce turning. Like most organizations, it has moved beyond maintaining its datacenter and embraced the cloud. Leveraging its experience, it has been able to continue to provide world-class support, keeping projects moving forward, accommodate changing priorities, and schedules as a result of the pandemic. Exhibiting Seamless Quality CIS thrives on its customer's success. Within the identity space, it sees how identity technologies are going well beyond their original vision of automation of IT business processes, authentication, and compliance. The indirect effect that codification of processes has on security and auditability creates a significant appeal to the implementation of identity infrastructure. A Thought Leader CIS' Identity Practice is led by Rob Rawson. Rob has been with CIS for over 15 years and has experience in development, systems architecture, and engineering, as well as his focus on identity consulting, and product management. He has led several top-notch consulting teams both before and at CIS. Rob's been working with identity management from its earliest incarnations. He has a worldwide reputation as a thought leader in this space. To support that well, the solutions must embrace the integration of not only the personnel and how they are organized, but also to have dynamically updated information about what each user both is, and could be, entitled to. Once these elements are brought together, it becomes possible to leverage Roles as the organizing principle of access, easily separate the outliers, and reduce the complexity of auditing for compliance. “In our clients, identity forms the sinew of integrated solutions. Our focus is on leveraging quality identity management infrastructures and using their feature sets to the maximum advantage, while not limiting ourselves by what is available out of the box. It is the best mixture of delivered and designed functionality.” – Rob Rawson To get the most out of your technological investments, they should be configured to leverage the synergies which naturally occur. Integrating provisioning with governance and using that to provision, monitor, implement and rescind access at the user or entitlement level is an example of how these individual technological silos can interoperate providing more value than anyone of them alone. Ascending Zeniths CIS has been recognized for 3 years running as a top- ten Identity and Access Management solutions provider in North America. CIS also prides itself on cultivating long-term mutually beneficial relationships with its clients. As a result, of living and breathing that philosophy, CIS has had relationships with dozens of its clients for over two decades. The company's goal is to make deep and tight integrations such as these the standard for how applications, systems, and things are granted to users, secured in their operation, and recovered from separated individuals, while also easily managing throughout their relationship whether that the user has what they need to do their job and no more. CIS has a team of widely recognized thought leaders in the Identity solutions space. Multiple resources have been identified by vendors as being among the top knowledge partners in their product category. 20 | January 2021 |

24. Preparing for the future in the age of uncertainty By Emy Carlan, CEO & Co-Founder at plugnpaid.com W effects have caused entire industries to crumble, while most businesses that survived had to adapt by re- thinking their processes, switching to working from home and changing the way customers interact with their business. The year of 2020 is a test, and those who cannot adapt will most probably not survive in the long run. ho would have thought that the world will be struck by a pandemic with such a high impact on the global economy? The rippling generating loss of profits with every medical leave. We just have to get used to keeping a safe distance when interacting with others. Companies are starting to move customer interactions to the online space: replacing paper files and forms with online documents, taking advantage of the many electronic signature technologies. Every single paper, from surveys to contracts and invoices can now be legally stored electronically, which also brings an ecological advantage. Software companies started this trend, and now everyone else is forced to follow. Permanent Changes While most people see the current situation as a “temporary crysis”, I believe the world will never be the same. The impact that the COVID-19 disease has on the business world has shook the foundation of so many industries, and it's very probable that it won't be the only pandemic during our lifetime. So what are some of the permanent changes that businesses need to implement in their operations? Many small businesses and large corporations alike have fully switched to Working from Home, which brought an unexpected positive impact on their P&L. By closing down the office and removing the costs associated with it (rent, maintenance, cleaning etc), these companies are experiencing a huge decrease in costs, while employee productivity remained the same (or even increased, in some cases). The obvious one is limiting the human interaction between employees, as well as customer interactions. Come to think about it, we should have taken measures earlier, as every year millions of employees get sick from interacting with other people at the workplace, Lastly, smart business owners and executives will automate as many processes as possible (robots cannot get sick, right?). Big corporations are working together with RPA companies such as UiPath to have robots and scripts execute repetitive processes that otherwise 22 | January 2021 |

25. Tech Tomorrow Emy Carlan CEO & Co-Founder plugnpaid.com 23 | January 2021 |

26. more. As a result, we will start to see a rise in SaaS companies and everything “as a service”. Tools for the Future Businesses that missed the “online” train need solutions to start selling online in a timely manner, and on a tight budget. This is why I partnered with two professionals with Masters in Business Administration and a infrastructure expert to create Plug&Paid: a cloud platform that allows small businesses and entrepreneurs to kickstart their online sales, manage accounting invoices and automate customer interactions. If your business is not online yet, you need a trustworthy and easy to use platform to make the switch. Also, since many people are switching from being employees to offering their services as consultants, they have to get into the nuts & bolts of running a small business, which comes as a shock to many. It's no surprise that many SaaS platforms related to sales, accounting and business management in general are experiencing an accelerated growth. human beings were delegated to execute, while other businesses integrate more and more SaaS solutions, with the same purpose. While some argue that many jobs will be lost, actually this paves the way for more creative jobs, freeing up employees from tedious jobs and enabling them to act as humans instead of robots. Because everything is moving online, business owners need to be aware of the increasing threat of their business and employees being attacked, as the cybercrime scene is growing at an unprecedented rate. The home network is full of smart devices which are very easy to hack, and the home computer of your employees is not as well protected as it was in the office network. Smart company leaders will use cybersecurity tools, such as secure home routers, encrypted VPN channels, secure DNS servers and many more protection tools. Just make sure you have an experienced Head of Security who can enforce strict security policies. The Online Era Now that employees don't have to work from the office anymore, they suddenly have more time at their disposal: no more commuting, no more long watercooler discussions or having to attend unproductive meetings. The work contract with the employer no longer seems like an exclusivity deal, and many have started to get a second job, since now it's possible to manage both from home. Last but not least, one of the most underrated and less understood technologies is the Blockchain. Setting aside the technical details, this technology will be a game-changer, as it offers transparency and tamper- proof transactions, audit logs, as well as smart contracts. The Blockchain technology is the cornerstone of building a strong economy, based on math and certainty. It might take a while, but the trend is likely to head towards less “jobs” and more “projects” or “freelancing gigs”. Hey, if someone is a great designer, why not spice things up and do design work for multiple companies in parallel? The designer gets a higher income and doesn't get bored, while companies save money when there's no design work to be done. Moving to the online space has generated a huge growth for software companies that offer remote- work-related tools, such as online conferencing, project management, document management, eCommerce, smart billing, customer support, marketing and many Let's build a better future for doing business in a safe and effective way! We are now at a tipping point, and there is no way to get back. The only way to move is forward. 24 | January 2021 |

28. EasySecure International Committed to Provide Top-notch Identity Management Solutions T This is precisely what EasySecure International brings to the table. The company has fully dedicated itself to the identity management market with a focus on innovation by using cloud software, biometrics and wireless applications. oday’s cumbersome corporate world has enforced businesses to redesign their way of working. Lately, the identity management solutions such as access control, attendance and time registration have seen a rise in their demand. As companies are dealing with more and more temporary employees, different shifts and opening hours, it is getting difficult and time consuming for them to handle the access control and registration. A Specialist in the Field of Identity Management Recognized as a specialist in the field of identity management, EasySecure International has won several awards in the field of innovation in the first 10 years. Having been in the industry for over a decade now, the Netherlands-based EasySecure is well-positioned to offer cloud-based hardware- independent software—the EasySecure software Moreover, there are also companies that are changing from central office buildings to various smaller locations. Working at home is combined with work at different locations in smaller teams. As organisations tend to leverage different authentication methods for diverse environments, integration of all the authentication-based software with business processes is highly valuable. However, the main challenge for organisations in the identity and access management arena is using the right software with the correct employee registration for various environments. We focus on innovation by using cloud software, mobile applications, The need of the hour is a modernised, dynamic platform that can easily integrate with customers’ existing business processes, support multi- location companies, and add real value while creating safe environments. biometrics and wireless applications. 26 | January 2021 |

29. Daan Kalkman, Deputy Director EasySecure International Werner Roest, CEO EasySecure International that breaks the barriers of conventional access control, time registration and integration tools. It all began in the year 2004 when the founder of the company, Werner Roest came across some biometric products. He realised that the secret to success with access and identity management is registering with the right information and integrating the right solution with the correct business processes. That is when Evert along with Daan Kalkman, the DeputyDirector and Evert Hazelhoff the CEO, put their heads together to develop a revolutionary software package, EasySecure Software. Today, EasySecure established as an access and identity management solution provider with over 7.000 companies using its cloud-based software for access control; time, attendance, and visitor management; and project management. Delivering ‘Best of Breed Solutions’ The company’s highly secure and easy-to-use software focuses on three core areas: multi- location, integration, and registration. It is designed to support multiple languages and various roles. For example, a company in England can manage their subsidiaries located in different places. The authorised local officer in France can 27 | January 2021 |

30. log in to the software using his preferred language and access the necessary location-specific data. efficiency and enhance scalability. For example, HR departments can send employee information to EasySecure and its time registration information can be sent to the client’s HR software for planning and payroll. Further, with a plethora of excellent software available today, every company wants to use the best available option to better execute everyday business operations. To facilitate this, EasySecure delivers ‘best of breed solutions’ for different sections as per customer needs. As a middleware platform for identity management, the company allows organisations to connect disparate applications in order to improve overall business Making Registration Methods Flexible As far as registration is considered, the software offers many different registration options. EasySecure believes that the ideal access control situation is a combination of the right 28 | January 2021 |

31. Staying Ahead of the Curve components. With its software, companies can choose from a wide range of registration methods including fingerscans, facial recognition, registration by mobile phone, cardreaders, keypads, wireless cylinders, wireless doorhandles, lockers and license plate recognition. What further sets EasySecure apart is that its software undergoes external quality assurance, code-checks, and penetration tests multiple times a year to ensure the security and safety of the software and client data. This offers organisations the flexibility to decide on the registration methods best suited for every location. Through a card reader or by placing their mobile phone employees can log in to their respective departments, while the software gives managers access to any information related to employees. With a proven track record of delivering robust software solutions, EasySecure will continue to invest in new technologies and bring high-quality cloud-based solutions for its customers. Over the next few years EasySecure is expanding further into Europe. 29 | January 2021 |

32. HyperAutomation and no code AI are coming to rescue businesses - By Allan Andersen, Global Director of Enterprise Solutions at Amelia, an IPsoft Company usinesses have always been focused on technological advancements that B make it a reality. Faced with too many choices, they might think it's best to wait it out and see which path is the best way forward. can propel productivity forward, eliminate redundancies and reduce waste. But while that's the goal on paper, enterprises don't always know how to That, however, may not yield the results that businesses are after, particularly when talking about artificial intelligence (AI). Accenture reported that three- fourths of organizations could go out of business if they fail to scale AI. That highlights the urgency with which businesses must act in order to stay ahead of the curve. Accounting firm Grant Thornton shared a similar sentiment, arguing that if privately held businesses don't move first and utilize technologies like AI and automation today, they will miss out on their “biggest advantage.” These are important calls to action, especially in the current climate. Now more than ever, businesses have been tasked with not just doing more with less but also doing things differently. Call centers were the tip of the iceberg as consumers stayed home and tried to wait out a pandemic that, at this moment, is still very much a part of our everyday lives. It's hard to define a “new normal” when little feels normal and businesses are still trying to figure out how to prepare for whatever comes next. But when customers call, businesses need to be there to answer – and if market conditions change, they need to be ready to pivot. 30 | January 2021 |

33. Leaders Viewpoint Allan Andersen Global Director of EnterpriseSolutions at Amelia, an IPsoft Company 31 | January 2021 |

34. Ongoing challenges problematic in the event of a talent shortage, which would raise salaries and spawn a competitive fight between the largest organizations. Not all would win out, and small and medium-sized businesses may be out of luck entirely. Businesses have attempted to overcome some of their day-to-day challenges by relying on robotic process automation (RPA), but they have learned that isn't enough to solve bigger and more significant challenges. While this technology might have been good enough for automating back-office tasks within a spreadsheet or other simple objectives, it couldn't go far beyond that and often created unnecessary delays between processes. If something changed within the application environment, for example, an RPA bot might fail and require whoever built the bot to update it – and make additional updates if any other changes occur. This doesn't mean they should give up and coast until they go out of business. Instead, they should look to AI solutions that meet their needs and do not require specific talent to apply and operate. Commonly known as “no-code AI,” these platforms allow business professionals to effectively plug-and-play artificial intelligence without the help of an AI specialist. It is the mainstream implementation of AI that can be done by business analysts and process experts and ultimately paves the way for an unlimited number of enterprises to take advantage of this technology. HyperAutomation is much more powerful than that. It can react to things in real time and perform much faster, attaining end-to-end automation of anything that can be automated. This is a vital differentiator. HyperAutomation is orchestrating automating through multiple methods including application programming interfaces (APIs), RPAs, accessing databases, etc. However, the true strength of HyperAutomation lies in its ability to utilize AI to intelligently diagnose and clarify how to perform automation when inputs are unstructured. It is easy to automate simple tasks based on structured information in spreadsheets, but it is challenging to automation based on live customer conversations or voicemails left by customers tired of waiting on hold. It is the future of orchestrated automation and will allow more businesses to thrive than ever before. The end goal should be a scenario in which certain tasks – be it customer support, product shipping and delivery, or something else entirely – are being handled most automatically and only exceptions need human attention. They need to get to a place to where tasks that can be automated are essentially hands-off, allowing AI and automation to do its job without interference. This attitude toward AI has allowed some of the world's largest corporations to flourish and greatly scale to new heights. Prepare for tomorrow This year has served as a reminder to businesses everywhere that they must always stay on the cutting edge of technology and implement solutions that can help them overcome a wide variety of obstacles. Automation – specifically HyperAutomation – is a vital way for businesses to achieve that goal. No-code AI is another innovation that cannot be overlooked, as it will allow organizations to take advantage of this incredibly important technology without requiring the expertise of an AI professional. By relying on these and other technologies, enterprises can better prepare for the challenges of tomorrow. Historically, enterprises couldn't do AI alone. It was – and to some extent still is – powerful technology that traditionally requires top-tier talent, thus limiting the ability for all businesses to implement it effectively. According to a report by LinkedIn, AI specialists have enjoyed 74% annual job growth. Hiring for robotic engineers, which are needed for automation and other AI-related components, has increased 40%. Demand for data scientists, which are tasked with using the data gathered by AI and other sources to solve business problems, has increased 37%. Automated assistance With such high demand for the people who are responsible for building and amplifying what AI can do and accomplish for a business, many organizations could get left behind. This would be particularly 32 | January 2021 |

36. IDcheck Ensuring Robust and Seamless Digital Security J are only two types of companies: those that have been hacked and those that will be,” which in a way highlights the importance of the work done by IDcheck Limited, premier specialists in cloud-based, automated Biometric Identity Screening, Fraud Detection, and KYC-AML. Exhibiting Unparalleled Excellence The company's speciality in particular is in authenticating global identity documents using advanced AI and OCR techniques and proprietary facial recognition like frictionless liveness and motion detection algorithms. The latter by themselves are world-class products. With only a handful of professionals possessing the skills to detect fake IDs, their entry into the field could not have been at a more opportune moment. ohn Chambers, the former CEO of CISCO is credited with a famous quote that says “there Expecting cyber-threats and building firewalls are no doubt a great way to ward off contingencies which for most organizations, big or small, come from faceless, unidentifiable external agencies, who exploit loop-holes in the firewalls and security systems to gain unauthorised accesses. One of IDcheck's biggest successes has been with OpenBanking in Europe which facilitates low-cost, real-time online payments, as well as real-time access to historical transaction data, such as past rental payments and income. IDcheck's pre-viewing screening, including biometric ID checks, help rule out unsuitable tenants. Pre-Viewing Screening is an excellent way for agents to avoid wasting time, by checking in advance for missing or late payments and to rule out anyone who clearly lacks income. Once an offer is made, full screening is performed to obtain automated landlord and guarantor references, as well as credit, criminal and sanctions reports. Obviating such an occurrence would be an entity that while taking decisive action does so proactively due to the very nature of its services. IDcheck is one such organization. Where it differs from others in the field, is through its industry-specific products range and competencies, helping organizations irrespective of size, scope, and activity to perform and stay safe at all times. 34 | January 2021 |

37. With phishing and push-app fraud becoming endemic to transactions over the net, IDcheck's innovative service offers invoice payments routed through its industry-specific portals, such as property management, logistics or e-commerce. Hacking of biller systems or payment invoices, attached to emails before they reach their intended recipients, could now be a thing of the past. A Key-Based 2-Factor Authentication login lets only genuine invoices get uploaded on to their portal. In Europe invoice payments are real-time, while in the US and Canada flat-fee online payments are offered via ACH. IDcheck's Letting portal is another innovative service. An in-house, cloud-based solution, they remain the only providers to have automated landlord, employment, and guarantor references. It additionally offers both Realtors and Tenants their own automated portals with real-time access to view, edit and delete proprietary information therein. Data transfer too takes place fast. Be it importing details relating to properties, clients, offices etc. or exporting out details relating to offers, everything gets done in under a minute. Intelligence under this service provides real-time reports on total/average revenues, time to rent, renewals and can be filtered by elements including clients, cities, offices, and regions. The service also offers real-time access to screening progression and automated notifications. To obviate the occurrence of fraud at their end, as a matter of policy, controls include a “sign-off” before new clients are added. In the absence of this step, there remains every possibility of rogue employees setting up fake clients with fake properties to siphon off cash. Business Contributing to their success have been their services which include Ÿ Secure key-based 2-factor authentication where the PIN is never stored or transmitted which makes it hack-proof as against SMS based ones where SMSs can be intercepted through social engineering. Where the registered device is lost or stolen, the PIN would automatically fail after a select number of incorrect attempts. To increase security further, the PIN is always entered through a special keypad which makes it impossible for keyloggers to detect or copy the PIN. On-Line Biometric Identity Screening that in less than 10 seconds ensures that the person being screened is not a fake. Using Liveness Checks, users show different facial angles for the software to capture selfies toensure that the image being captured is of a real person and not a photograph being held before the webcam. Images thus taken are compared with those on official identity documents (Electronic Passport, Identity/Resident Card or Driving Licence) to verify the person's identity. Another innovation is the “Data Extraction” where data from identity documents is extracted Ÿ 35 | January 2021 |

38. “Through our proprietary facial recognition, frictionless liveness and motion detection algorithms we authenticate global identity documents, with advanced AI and OCR techniques.” using OCR and compared with Machine Readable Zones and Bar Code data to ensure data and checksums are accurate. controls, as well as business-related intelligence, a full audit trail and multiple measures to detect internal and external fraud. KYC-AML (optional) Automated checks against global sanctions/watchlists, covering the UN, UK, USA Canada, and Switzerland Automated credit, insolvency, and barred director checks Automated Proof of Address, Savings and Wealth Ÿ Ÿ The test of integrity of any service is the grind it goes through to prove its worth. The harder the grind, the more the chance of failure. Products that come out unscathed, are then judged a winner. For IDcheck and its products, the grind came about during the Covid-19 pandemic. Being a system that is entirely cloud-based, there was no such thing as downtime given that staff already work remotely. The business decision to build all products internally also showed its true value as they were not tied into fixed minimum fees with external suppliers. Ÿ Ÿ Always on Top What differentiates IDcheck from others in the industry is that they build industry-specific automated portals to manage entire business flows such as automated employment and tenant screening systems with biometric identity screening. Their portals have strict access management permissions and internal An interesting departure that IDcheck has over its competition is in the area of billing and receivables. Using a mix of pay-as-you-go, annual contracts and 36 | January 2021 |

39. monthly pre-payment, there is as such no minimum monthly fee or licence fee. Quite to the contrary, unused units are rolled over and used in the next cycle. To stay ahead of competition, IDCheck has always been an early adherent of AI and ML, its subset. These, according to the company, see liberal usage in their products and have unique features including pattern recognition, differentiating fakes, facial recognition across races, ages, genders, and facial features. Her diverse experience and expertise helped her accomplish volumes at IDcheck where her responsibilities today include corporate strategy, program management, devising and documenting business requirements, hiring and manging teams and reviewing code. Additionally, on the cards is a comprehensive property management solution with the facility for online payments, invoicing and industry-specific accounting (GL, AP, AR), tenant leads, contract progression, e- signing, maintenance orders and handling, as well as automated compliance. IDCheck being her baby in every way, Sara envisages its future as facilitating clients conducting business securely even when doing so remotely and gaining operational and strategic efficiencies by automating standardised processes. An Epitome of Proficient Leadership An organization remains a reflection of its leader's worth. For IDcheck, it could not have been anyone but Sara Statman, the founder and CEO. An MSc Computer Science graduate from the Imperial College with an Honours Degree in Economics, Sara has over two decades of Buy-Sell Side experience, largely front office across Tier1 Banks, Hedge Funds, Brokers, and Investment Advisors. She later moved into Risk, Governance, Controls, Regulatory Compliance and Market Surveillance. She also served as Vice-President of The Hedge Fund Association. In passing, she has pertinent advice for aspiring software developers who she says should ensure they have 'full stack' skills and experience of key frameworks with respect to languages and also standard security provisions. To those working in AI, she urges being competent in Python, as well as other AI libraries and probably Django as well. She also recommends decent knowledge of Linux and Docker. For aspiring entrepreneurs, her words of advice include being creative to come up with good ideas, careful planning, budgeting, and risk management, and most of all, finding, leading, and motivating the right team. 37 | January 2021 |

40. Get Smart in a CONNECTED WORLD T he coronavirus pandemic has already entered our lives and started to affect the way we interact. In a matter of months, digital and online transformation gained such a need that it accelerated more than it might have been in years. More consumers are doing more business online, from ordering necessities to ordering dinner. While some in-person activities and purchasing has resumed and will continue, the convenience and ease of eCommerce and online will cause many to continue to engage in this fashion. at the advantages it overcame big problems, but still, hackers and scammers are always with bad intentions out there. And some experienced fraud, as bad actors took advantage of eCommerce and online changes. There have been reports of increasing cyberattacks and attacks with phishing activities. While digital transformation comes with risk. Navigating and staying ahead of that risk requires a trusted partner. Today. Advanced, adaptive AI and machine learning are key to effective fraud prevention across the customer journey. To block such attacks these technological tools become the savior of our data and lives. This marks a permanent shift. Businesses that were not into the eCommerce or digital platforms are forced to do so overnight to survive. The buzz is all about Virtual classrooms and online ways of lifestyle now. Digital businesses have faced unique challenges in 2020. Some experienced dramatic changes in transaction volume. The Future is Identity and Access Management, which is based on identity trust. Advanced technologies like AI, Cloud Computing, SaaS, enable businesses to make decisions on Identity and Access Management. The eCommerce industry is already struggling with scams and threats, so to answer all these questions identity and access management build comprehensive solutions for businesses. Some needed to quickly adapt to accelerate digital offerings. Be it academics, business, government institutions, or world-leaders discussions, everything were virtual. Looking 38 | January 2021 |

41. Digital Advancements Get Smart in a CONNECTED WORLD Identifying the need and creating products and services builds trust in fraud prevention. The Digital platform is linked with fraud, chargebacks, and threats blocking all of them requires deep knowledge of the field. and indirectly successful in the market. As there are tools available today which will help to remain at the top of the industry with real- time access. Ultimately, building a system with such unique features provides recognition for all races, ages, and genders. Adaptive and protection against all these threats globally align the company with the changing needs. There are a lot of merits in advancing the company in identity and access management solution providers. One of them being, it gives a worldwide reputation as a leader in this industry. Today Identity and Access Management Providers demand have been rising on a larger scale. The insight on being a successful organization in this field is providing the right information with the right solution to the correct business processes. To be at the forefront of providing solutions according to different industry needs and as per customer requirements allows organizations to improve the performance and standard. To be ready for any challenges coming the way, no matter big or small make you unique 39 | January 2021 |

42. Turning Compliance into Business Benefit W supervisory requirements. They realized that AML and KYC compliance are becoming a major challenge for the development and growth of a financial institution. orking in a financial institution, Liudas Kanapienis and Andrej Vištorskij faced a problem of constantly changing and stricter “ If clients have ideas – we make it happen. “ For these reasons, in finance, the focus is not on attracting, growing, or selling, but on meeting requirements necessary. With the experience and know-how, they decided to create solutions that help to turn compliance into a business benefit and that solutions can be used not only by financial institutions but also by other businesses that need to know their customer. And thus, Ondato was born. Starting with the most obvious field – customer onboarding and ID verification, they didn't stop there and went in depth to create more compliance solutions. The founders, along with their team, continued to move forward with their vision of making compliance part of a simple and understandable business process that makes it easy to onboard a customer, manage and update customer information, report to the regulator, and simply engage in direct activities. Ondato today offers a complete compliance management suite for all 'know your customer' 40 | January 2021 |

43. requirements in the financial services and other sectors that wish to provide their services in cyberspace. The company's platform provides an integrated solution that is banking-core friendly and that spans both photo and live video identity verification, data monitoring, screening, due-diligence, risk scoring and case management. services sector and Andrej spent his entire professional career leading product development teams in various financial companies. A Comprehensive Compliance Platform Ondato needs to be seen as a set of solutions that ends up strongly facilitating compliance. Its solutions can be combined and adapted to different business needs. Inceptive Minds As mentioned, Ondato is driven by two persistent leaders, Liudas Kanapienis, the CEO & Co-founder of the company and Andrej Vištorskij, the CPO and Co-founder. Liudas is a successful entrepreneur with 13 years of professional experience in the financial The company's main services are customer verification, for both individuals and legal entities using one of the selected methods of video or photo. However, verification alone is not its advantage, but a comprehensive compliance platform that allows not Liudas Kanapienis, CEO & Co-founder and Andrej Vištorskij, CPO & Co-founder 41 | January 2021 |

44. only to verify customers, but also to check registers, sanction lists, set up periodic inspections and many other analytical processes that ensure business security. Its key solutions include Person identity photo verification, Person identity video verification, Business photo verification, Business video verification, Facial biometric authentication, E-signature authentication, Compliance management platform. Its main advantage over its competitors is that its solutions are not monolithic, and it can adapt them in various ways, which is especially important for its customers, as everyone's needs may vary. An Elite team that Continuously Evolves Ondato's team consists of people with many years of experience in the field of finance, compliance, and IT, who are constantly improving their competencies not only by working, but also by participating in various programs, conferences, and hackathons. The pandemic hasn't fundamentally changed its work; it can be said that it even leads the company to go further. Since the pandemic, its team has grown significantly as the need for remote services has soared in the short term. The company's whole field is in the electronic space, but since the pandemic, the only thing it misses is live communication in the office. In the face of the pandemic, Ondato has focused even more and helped many businesses to move to an electronic space and serve customers there. During the pandemic, it was able to adapt its solutions to insurance companies in just a few days and now almost all major insurance companies in the Baltics are using Ondato's solutions. Ondato incorporates many technologies into compliance solutions. Undoubtedly, facial biometrics is one of the most important data to properly identify customers, to verify that a user is who he claims he is. Leveraging Technology Ondato captures a biometric three-dimensional map of the customer's face and AI and ML algorithms checks that the document photo matches their biometric face data. The company verifies documents and biometric data using the most advanced recognition technologies. Many other technologies are used to ensure the reliability of biometric data, such as: 3D depth recognition, liveness detection, AI mapping technology. AI and ML technologies are also used in its other solutions such as to analyze data and provide alerts for any suspicious activity. The team at Ondato believes that undoubtedly, modern digital business simply can no longer survive without AI and ML because the competition is fierce. AI and ML can significantly reduce human resources, improve prices, avoid human error, and have many other benefits. Of course, sometimes it is not necessary to invent a bicycle, if such a solution already exists, it is simply necessary to use it, because the process itself is very long and difficult. 42 | January 2021 |

45. Driven by its Mission A Satisfied Clientele Ondato is driven by a mission to turn the compliance into business benefit and with the success stories of its customers the company is proving that it is possible. It is carrying a flag to create a better and safer environment for the financial world. “We started to cooperate with Ondato three years ago. We needed an easy to integrate one-stop-shop solution in order to evaluate customers financial information. Budget and timing were very strict, and they just nailed it.” – SAVY Ondato is already one of the leading compliance platforms in the Baltic States and it is expanding to other European counties. It will continue to focus on developing and improving integrated compliance solutions that bring the company closer to making compliance a real asset, not an area that intimidates business. The company is planning a major expansion in the coming period. “Ondato KYC solution allowed us to simplify the client's onboarding process and reduced our operational costs. It was the simplest and fastest integration that we have ever seen, thanks to advising and to the great support of Ondato team.” – General Financing 43 | January 2021 |