Before the Covid lockdown of 2020 was the original credit report lockdown of  2017. The exposure of personal information of over 147 million Americans (and more in the UK and Canada) brought personal data privacy to the forefront.  At stake was a huge headache for consumers when social security numbers and other sensitive data were disclosed.  It was a wake-up call for those affected and anyone caring about their personal data, or PII. Also exposed were the risks associated with an enterprise data lake stocked with those sensitive details.

What followed was what we’re all too familiar with in 2020 — a lockdown. We froze our credit reports and played cat and mouse with our PINs for future use. Flash forward to today and time to apply for a new car loan. Now, where is that PIN?

No Data Lake Here

Personal data is a toxic asset and having a lot of it creates a target. Journey can’t find your PIN but can help protect your personal data. Journey never holds the data but divides and breaks up the data lake. The result is a network of data orchestrated by  Journey to make sensitive information visible to only those that need to see it.

No data lake here.

And when you need to re-authenticate with the credit reporting agency that you froze your credit with back in 2017, authenticate password-free (or PIN-free) with secure and low-friction methods. Use step-up authentication including ID document checking, 3D face mapping, and data checks including DOB and SSN on your phone.

For your next ride, re-authenticate with your credit agency on your phone.  Loan approved, all you have to do now is decide on Sublime Green or Yellow Pearl.