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Identity-proofing services verify identities before provisioning accounts or authorized credentials to access SaaS services. These services are especially useful for risky actions, such as transferring money or accessing sensitive information. Identity-proofing services use public and private data sources to gather information about identities, including history and transactions. These services are also used as an additional interactive user authentication method, especially for risky transactions, such as accessing sensitive confidential information or transferring funds to external accounts. Identity-proofing services are typically used when accounts are provisioned over the web or in a call center.