What is the difference between identity verification and identity authentication?

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An identity verification confirms that an identity provided actually exists and matches records. However, this does not indicate that the identity is authentic, that the individual is who they say they are. Identity authentication, often referred to as knowledge-based authentication (KBA), goes a step further and requires providing an answer to a uniquely qualifying question.

For example, what is the name of your first pet, or another question that only you would know.

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