Gartner defines identity verification (IDV) as the combination of activities during a digital interaction that brings a real-world identity claim within organizational risk tolerances. Identity verification capabilities are delivered as SaaS or installable software, and provide assurance that a real-world identity exists through assessment of a government-issued photo identity document, and that the individual claiming the identity is its true owner and is genuinely present during the digital interaction. The purpose of identity verification is to establish confidence in the real-world identity of a person during a digital interaction when curated credentials do not exist, are not available, or do not provide sufficient assurance.
Gartner defines the OFD market as the market for solutions that detect and prevent fraudulent actions within digital channels (browsers and mobile apps). OFD solutions provide a spectrum of capabilities within digital channels to prevent direct and indirect financial losses and to mitigate risks. Their core capabilities: Mitigate the activity of malicious automated bots; Detect account takeover (ATO) attacks and trigger remedial actions; Detect fraudulent activity in high-risk events along the digital customer journey, such as when customers make payments, transfer funds, perform account management actions or access personally identifiable information (PII). (Retired as of May-06-2026).