Tomoarrow, a fintech and regtech company in South Korea, is helping address digital inclusion barriers by enabling international users to verify their identities through credentials they already hold. Its global eKYC solution, TomoIDV, leverages home-country identity documents, mobile numbers, selfies, and liveness checks, while cross-checking submitted information against authoritative data sources in the user’s country where available.
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TomoIDV issues a PPID to identify users based on verified home-country credentials and authoritative data sources. (Image:Tomoarrow)
As international travel, overseas study, migration, and remote work continue to grow, people are no longer merely visiting foreign countries—they spend extended periods abroad to live, work, and study. Yet, most digital identity systems remain rigidly designed for domestic residents, relying heavily on local identity documents, mobile accounts, or other country-specific credentials.
International users without locally-issued credentials often struggle to access essential services, including accommodation, telecommunications, financial services, and mobility. Even when they are legitimate users, they sometimes have no accepted way to verify their identity.
This creates a dilemma for global businesses. Insufficient verification increases the risk of identity theft, account abuse, payment fraud, chargebacks, and money laundering. However, rejecting users without local authentication methods can exclude legitimate customers and cost businesses valuable cross-border business opportunities.
TomoIDV bridges this gap without lowering compliance standards. Businesses can deploy country-specific verification workflows through a single, standardized API, combining basic or enhanced verification steps tailored to service type, regulatory requirements, and transaction risk. This allows enterprises to onboard international users within their primary service flow rather than operating a separate and fragmented process for foreign customers.
Following verification, a client-specific Pseudonymous Permanent Identifier (PPID) enables businesses to recognize returning users while minimizing the exposure of original identity data. Previous verification results can be easily retrieved, and reverification can be requested whenever user information changes or a higher level of assurance is required.
By integrating international users into standard digital services rather than treating them as exceptions, TomoIDV allows international users to verify themselves without first obtaining local identity credentials. Businesses can also serve new customer groups without rebuilding verification infrastructure for every country.
Ultimately, secure identity verification serves as both a regulatory and risk-management tool and a foundation for digital inclusion. Tomoarrow continues to build a trusted global ecosystem where tourists, international workers, migrants, students, remote professionals, and cross-border consumers can fully access digital services while businesses effectively mitigate fraud and financial crime risks.
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