A financial services institution needed to verify customer identities before allowing access to their credit application process. The challenge was implementing a robust, multi-layered verification system that protected sensitive data while maintaining a seamless user experience.

Solution

84EM built a three-tier identity verification system that integrates HubSpot, IDology, and Persona directly into WordPress. The system validates users through progressive verification steps, ensuring only legitimate applicants proceed to the credit application.

Technical Implementation

• HubSpot Forms API integration captures initial applicant data through embedded forms that handle lead collection and CRM synchronization.
• A custom WordPress REST API endpoint processes real-time identity verification requests, securely routing data to IDology’s database verification service.
• JavaScript verification layer monitors form field changes and triggers automated IDology checks as users complete contact information.
• Conditional redirect logic routes users based on verification results, with configurable success and failure destinations configurable in the WordPress admin settings.
• Fraud detection rules implement additional validation criteria to flag suspicious submission patterns before database verification occurs.
• Comprehensive logging system tracks verification attempts, response times, and pass/fail ratios for compliance and performance monitoring.
• Persona integration provides document verification capabilities for cases requiring additional identity confirmation beyond database checks.

Results

The integration creates a secure verification pipeline that processes applicant data without storing sensitive PII on the WordPress server. By using third-party hosted solutions and JavaScript embeds, all personally identifiable information is transmitted directly to verification services.

The system includes an admin configuration panel that allows non-technical staff to enable or disable verification checks, adjust fraud-detection rules, and modify redirect URLs without requiring code changes.

Real-time verification feedback helps users correct information immediately, reducing application abandonment rates while maintaining strict security standards for financial services compliance.