IDyou
What is IDyou?
IDyou is a mobile application that can be used on your device to verify the identity of your clients for mortgage transactions. IDyou lets you take pictures of your client and their identification documents in order to satisfy VOI regulations. IDyou’s intuitive system understands the VOI category requirements and guides you through simple steps to ensure a standardised and compliant VOI process within your office. MSA National’s IDyou App is not affiliated with ID.me Wallet.
Why use IDyou?
Changes to legislation across Australia have placed stricter regulations on lenders, brokers, franchisees and loan writers when conducting lending activity. Many states have already implemented Verification of Identity regulations for all loan transactions.
Verification of Identity generally requires the lender, broker, franchisee or loan writer to:
1) conduct face-to-face interviews with the clients;
2) view and store copies of current, original identification documents; and
3) confirm that the client bears a reasonable likeness to the photos in their identification documents.
Storage of the copies of these sensitive identification documents places great responsibility on you. Through IDyou, MSA National offers secure storage of all your VOI documents. All the data you input into IDyou is encrypted and stored on certified secure servers avoiding the risk of loss or theft, and ensuring the security of your client’s information
Features
- Compatible with devices running Android OS v4.4 (KitKat) or above
- Intuitive system that understands the identification category requirements
- Generates a secure VOI report for you to retain in your records
- Allows you to save incomplete identification data and finish orders at a later time once all identity documents are received
Benefits
- Creates a standardised, secured and streamlined verification of identity process
- Allows you to maintain face-to-face contact with your client during VOI, creating a more personable experience
- Integrates with existing practice management systems to capture search costs automatically and save time on rekeying data
- Gives you complete control of the VOI process – you can verify your client’s identity in any location without having to rely on third parties
- Saves time by eliminating the need for document photocopying and physical filing
- Securely stores your VOI records for 7 years
- Encourages compliance with new VOI requirements
Security
- IDyou requires you to enter your MSA National username and password each time you open the application
- MSA National complies with the ISO27001 Certification for storing data
- MSA National does not rely on any external parties - documents are transmitted and stored securely to a private cloud provided database which is only accessible to a few highly privileged MSA National administrators
- Photos are not stored locally in your phone’s photo gallery, they are saved in secure app storage until verified
Who is MSA National – the team behind IDyou?
For more information on MSA National please visit www.msanational.com.au
Category : Business
Reviews (30)
Worked good up until video call. Only thing wrong was no voice audio and, instead, a loud screeching noise on both ends of the video call. Otherwise seems to have done it a job.
Its good for capturing IDs. But needs 1) more user friendly way of entering date of birth. Very few 18 year olds are borrowers & most are 30+ year old. (2) When using the app, need to relogin and redo the interview if the code wasnt captured before a phone call is accepted.
Very inconvenient, cannot upload a document only take a photo of a document. I have all my documents saved for times like this then some moron decided to make an app that won't let you upload a document. If I could give it negative stars I would.
App is borderline useless, need to upload drivers licence but no option? Upload as identity document but that wasn't acceptable apparently and no option to add again later. Stupid the bank requires us to use this.
Wish their was a - ve review available. The App not user friendly. You have to back months by months manually to get DoB for a client. Assuming same for issue for clients. The process is cumbersome and just adds to work not providing any benefit to users. Question on who recommend this to the banks
Very poor software, can not make work, makes id authentication 10 times harder, and of no purpose. What a joke and seems very in secure, dont want my information on it, no credibility.
No option to manually type date of birth have to scroll through the calendar. Verification tab is not very responsive.
Wastes time. Won't allow save as you go... I had my drivers licence but not passport. Would not allow me to save what I'd uploaded so I have to upload later
Worst app ever used. During registration password was given in plain text (via email and no option to change password within the app.
Can't use it properly. Starred taking photos it won't let me go any further😕 Still won't let me log in again. Very frustrating😕
This stupid app stops when I try to take photos of licenses. Need to fix it. Annoying thing.
Worse than useless. I am now changing loan providers to one with a manager. Incredibly frustrating and unforgiving. I am complaining to the bank people about this and will be opening an account with another provider.
Terrible. Asks for a username and password when not set up has been done.
Smooth and easy, a lot better than the paper trail of previous years.
Freezes up a lot and no audio when doing a video call.
Basically unusable. Don't sign up to this service, you aren't doing your clients ANY favours!
The security is pathetic; only a 6 character password and single factor authentication on something I am supposed to trust with my 100 points of ID.
Asks for Username and Password for 1st time app opens. No other options available !!! Useless.
This app need to be upgrade immediately, wastage of time and frustrated....
Authentication error on app, Web site won't allow me to log in. Terrible
Horribly unreliable connection and uploading system.
Can't use it, keeps taking me to the login screen when trying to upload my licence
Logs you out and doesnt let you half save and return later
Video call quality is horrible and the app is needed for important things
Can't login. Takes to a webpage and say username or password incorrect
The report this app delivers may meet the funders' requirements as well as those of ASIC. But for the poor mug broker that has to use idyou it is amongst the worst applications ever made. Whoever wrote this user unfriendly garbage along with the morons who wrote the misleading and worthless "instructions" should hang their heads in shame. From a user's point of view this app is a miserable failure on multiple levels.
Its amazing how Goverment allowed to collect and store the most sensitive information by those clowns. 21 century is digital prison
Why idme Android doesn't have remote VOI?
It is simple and easy to use!
Doesn't allow manual input of date of birth. Clunky app. You need to know sign language and wear earplugs when you make the video call as you can't hear client and they can't hear you and huge screeching static noise in the background and doesn't prompt clients to turn phone to sign so signature quiet small. Needs to be fixed asap!