Project Scope

Increasing volumes of people are moving to new countries to study, work and live. In 2015 alone, a total of 4.7 million people immigrated to one of the European Union’s 28 Member States.

These people need access to local services for government, health and finance. The process of registering for these services can be time consuming and it is likely to require the person to verify their identity using paper based documentation. For example, to open a new bank account customers often have to attend the physical branch to enable the bank to meet the country’s regulatory requirements. This is expensive and inconvenient for the customer and the bank. In the U.K. up to 50% of new bank account applications are from customers originally from overseas.


This project will develop and test a prototype that will allow an EU citizen to open a bank account in another European country using their national digital identity. It will also build the service design and operational framework that will enable a more trustworthy and efficient account opening process for EU citizens. The project will deliver a business case for the development of the fully operational service that can be used by consumers.

The project has been awarded a grant by the European Commission’s Innovation and Networks Executive Agency (INEA), under the Connecting Europe Facility programme[1]. It will utilise the eIDAS[2] framework to authenticate a citizen’s national identity across member states.

Open Identity Exchange’s Role

The Open Identity Exchange is managing the delivery of this project, coordinating the consortium of:

  • HSBC
  • Barclays
  • Idemia
  • Orange
  • Government Digital Service

Orange will create the services that will allow a digital identity to be set up for use by a French citizen through Mobile Connect. Idemia will develop services and infrastructure for the identity authentication process needed. HSBC and Barclays will evaluate how eIDAS services and other attribute information can be used to fulfill their account opening processes for international customers.

CEF Diagram 2





A key deliverable of the cross-border identity project is to build a prototype simulating the user journey of French citizen opening a UK bank account through digital channel. This has been developed as structured walk-through of the required steps from the initial entry page (labelled anyBank so it can be reused by different organisations), through the key steps that are required to verify the person’s national identity (in this case delivered by France Connect), authenticating that identity (with Orange) and the subsequent collection of data required by the bank to fulfil its Know Your Customer checks.

This is the first version of the user journey, which will be developed as a prototype that will be connected to an eIDAS node and other data sources. We would really appreciate your views and comments regarding this journey, so we can feed this into the prototype development – please email any comments to

Click here to view:   CEF User Journey Prototype




OIX is responsible for communications, stakeholder engagement and the relationship with INEA. It will share the findings of the project through the publishing of White Papers and presentation of findings at events for members and a range of key stakeholders.

Follow us on Twitter (#XborderID) and join our LinkedIn Group (embedded link) for the latest news and updates for the project and join in with the conversation.


This project is the recipient of the funding from the CEF:

[1] For more details

[2] eiDAS is an EU regulation and sets the standards for electronic identification and trust services for transactions in the European Single Market.

Project Status

CEF User Journey Prototype (Dec 2017)

Pre-discovery Report now available HERE.

Discovery Report now available HERE.


Barclays, HSBC, Idemia, Orange, GDS

Project Co-ordinator:  

Harry Weber-Brown