Organizations face significant challenges when dealing with legacy systems and fragmented customer touchpoints. Legacy infrastructure often lacks compatibility with modern CIAM solutions, making integration complex and costly. Fragmented customer data across multiple channels can lead to inconsistent user experiences and security vulnerabilities. Additionally, ensuring seamless authentication and personalized engagement across web, mobile, and in-person interactions requires robust orchestration and data synchronization. Organizations must also address evolving privacy regulations and rising customer expectations for security and convenience. Balancing these demands while minimizing disruption to existing operations is a key hurdle in successful CIAM modernization efforts.

- Annie Yan, Vice President, Protect Product and Engineering, TD Bank

A robust CIAM strategy is built around a clearly defined persona journey, empowering stakeholders to make informed decisions that enhance security while minimizing customer friction. For instance, features like single sign-on and adaptive multi-factor authentication allow users to access various services with a single set of credentials, reducing friction and login fatigue. Adaptive authentication further strengthens security by analyzing user behavior and risk signals, prompting additional verification only when needed. Transparent consent management and privacy controls give customers greater control over their data, fostering trust. Collectively, these CIAM capabilities deliver a secure, seamless, and reliable digital experience that drives customer loyalty.

- Annie Yan, Vice President, Protect Product and Engineering, TD Bank

Privacy and trust are foundational to CIAM, influencing how organizations handle customer identities and personal data. Modern CIAM solutions focus on securely collecting, storing, and sharing data, while helping them adhere to privacy laws such as General Data Protection Regulation and California Consumer Privacy Act. With clear consent management and detailed privacy settings, customers gain control over how their data is used, fostering a sense of trust and transparency. Robust authentication and access controls further protect against unauthorized access and data breaches. In essence, a privacy-centric CIAM strategy not only protects sensitive information but also enhances customer loyalty and strengthens the organization’s reputation through responsible data stewardship.

- Annie Yan, Vice President, Protect Product and Engineering, TD Bank

Identity verification involves three key steps: resolution, validation, and verification. In high-risk sectors such as finance and healthcare, it is important to implement identity verification at the very start of the customer’s digital profile creation. By combining thorough verification and behavioral risk signals, organizations can build a comprehensive risk profile for each customer. This profile then determines the appropriate level of authentication required for sensitive or unusual transactions. Integrating biometrics and passwordless authentication options further streamlines the process, enhancing user convenience without compromising security. Through these intelligent, context-aware measures, organizations safeguard sensitive data while delivering a seamless and secure user experience.

- Anish Srivastava, Managing Director, Customer Identity & Access Management Solution Offering Leader, Deloitte & Touche LLP

The CISO plays a pivotal role by ensuring that security, privacy, and compliance are embedded into every aspect of CIAM. As a strategic leader, they need to collaborate closely with both business and technology teams to define risk tolerance, select appropriate authentication methods, and establish robust data protection measures. Overseeing the implementation of security controls, monitoring for emerging threats, and ensuring alignment with regulatory requirements are a few key responsibilities. By championing a security-first mindset, the CISO helps balance user experience with risk mitigation, ultimately safeguarding customer data and reinforcing trust in the organization’s digital services.

- Anish Srivastava, Managing Director, Customer Identity & Access Management Solution Offering Leader, Deloitte & Touche LLP

Decentralized identity solutions, often powered by blockchain, give users direct control over their personal data, reducing breach risks and enhancing privacy. Organizations must ensure their CIAM systems can support decentralized identifiers and verifiable credentials for secure, user-focused authentication.

Biometric methods such as fingerprints and facial, or voice recognition—combined with AI, offer secure, adaptive authentication by analyzing behavior and detecting anomalies in real time, improving both security and user experience.

With the rise of Internet of Things (IoT) devices, application programming interfaces (APIs), and automated bots, managing non-human identities is becoming increasingly important. Organizations must ensure that their CIAM platforms can securely authenticate, authorize, and monitor these entities, applying appropriate access controls and monitoring for suspicious activity.

To stay ahead, they should invest in flexible CIAM platforms, prioritize interoperability, monitor regulations, and regularly update identity management strategies to remain secure and compliant.

- Anish Srivastava, Managing Director, Customer Identity & Access Management Solution Offering Leader, Deloitte & Touche LLP