Today, users increasingly expect mobile solutions that are fast, convenient, and accessible on their smartphones. It’s no surprise then that the mObywatel app—allowing digital identity verification—is growing in popularity. Moreover, integrating mObywatel with the back-office systems of financial or administrative institutions can address real challenges related to identity verification. Traditional ID checks, even in bank branches, carry risks—there’s no guarantee the employee won’t make a mistake, or that the person presenting the document is who they claim to be. But what if doubts arise afterward regarding the accuracy of the identification? Learn how Digital Gateways supports this process by providing institutions with direct access to reliable data from government servers—securely, legally, and in line with customer expectations.
As of July 14, 2023, the identity document within the mObywatel app (mDowód) holds the same legal status as a traditional ID card. It's important to note that mDowód is not a digital copy of the physical document— it has a different serial number, issue, and expiry dates than the plastic version. It enables every citizen to be verified via a digital certificate. Recently, some young people have begun purchasing fake mDowóds to impersonate adults and bypass age-restricted regulations. This raises an important question — how can we effectively prevent misuse?
Before a customer can complete a transaction or purchase a product, they often need to verify their identity. Traditionally, this is done by showing a physical ID card. However, this method is prone to human error—an employee may misidentify someone based on the photo alone. As we know, verifying with mDowód can also involve risks, with reported cases of fraud in SIM card registration or loan applications using fake digital IDs.
All these challenges are effectively addressed by Digital Gateways’ service, which integrates with companies’ back-office systems to verify customer identities. The verification process is not only fast and error-free but also highly secure, as the data is sourced directly from government databases. Furthermore, Digital Gateways ensures full legal compliance, providing institutions with top-tier personal data protection. For added transparency, the app generates a verification confirmation document, made possible by a unique Audit Log service.
The Audit Log, a technical record of events, safeguards digital processes and electronic signatures. Using blockchain technology, it guarantees the integrity and non-repudiation of data. It allows institutions to audit the complete history of actions—crucial in case of disputes or inspections. The Audit Log becomes an invaluable tool in ensuring compliance with legal regulations and security standards, which is a foundation of the Digital Gateways mDowód verification service.
This fintech solution was developed to precisely and efficiently verify customer identities using mDowód at physical locations. Whether it’s a bank, telecom, or retail store, the DG app can be used in all cases.
How does the process work, step by step?
The solution provided by Digital Gateways ensures transparency and security in the identity verification process — for both the customer and the institution. Every stage is monitored and documented.
Key advantages of the solution
Thanks to the Digital Gateways product, institutions can operate efficiently while meeting all legal and cybersecurity requirements. Beyond in-branch use, the app can also be utilized for remote processes using mProfil.