Digital Employment Verification allows your employees to share payroll data digitally with financial service providers, removing the need for manual payslip requests and giving them full control of their data and personal finances.

Access PeopleXD Payroll supports this through two provider integrations: Experian Work Report™ and The Verification Exchange® from Equifax. As an employer, you control whether this feature is active for your workforce.

Each time an employee initiates a credit application such as a credit card, mortgage, or loan, they provide consent for their payroll data to be accessed.
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Digital Employment Verification is the ability for employees to share their employment and income information digitally with financial service providers such as banks or mortgage lenders, directly from your payroll system. This removes the need for manual payslip requests and speeds up credit application decisions.

Access PeopleXD Payroll supports this through two provider integrations:

A recent Experian survey of 230 Human Resources (HR) and Payroll professionals shows that many large organisations receive an average of 150 requests a month from employees to source and share payroll data. This equates to 11 hours a month of HR and Payroll team time devoted to requests.

Enabling Digital Employment Verification removes this administrative burden, reduces your carbon footprint where paper payslips would otherwise have been shared, and supports a more direct and secure way of sharing employment information on behalf of your employees.

When employees apply for credit with a financial institution, they can choose to upload payslips manually or use Digital Employment Verification. If they choose the service, it automatically accesses, with their explicit consent, the required records from their employer and passes them to the provider. This delivers direct confirmation of gross and net income, employment status, and tenure in seconds.

Each provider maintains a list of opted-in employers supplied by Access Group. If the financial institution uses one of these providers and the employee's employer is on that provider's list, the employee is offered the option to use the service at the point of the transaction.

No. The integration is free for employers. There are no ongoing costs associated with enabling Digital Employment Verification for your employees.

You enable the integration directly in your Access PeopleXD system. Once enabled, your employees can consent to a financial institution using the service to digitally share their relevant employment and income data. It is not possible to enable the integration on an employee-by-employee basis, it applies to all employees when switched on.

When the integration is enabled, the relevant data for your employees is shared with a secure holding database hosted within the Access Group UK. This database exists solely to make data available to employees who choose to use the service.

Only when an employee opts in with their chosen financial institution and provides explicit consent will the verification provider Experian or Equifax; access that employee's data. Access is made via a secure Application Programming Interface (API) on a one-time, transaction-by-transaction basis.

No. There are no employee-facing changes within Access PeopleXD Payroll. Admin users will see the parameter in Admin Settings used to configure whether the feature is enabled.

No. Your employees can only benefit from Digital Employment Verification if your organisation enables the integration on PeopleXD. This ensures that when an employee needs to use the service, the verification provider can access their data.

No. You will not be notified of, or able to report on, employee usage of the Digital Employment Verification service. Employee financial transactions are kept private.

No. Once Digital Employment Verification is enabled, this applies to all providers. You cannot restrict the integration to a single provider.

Full details are available in the Access Digital Employment Verification Product Factsheet.

Employee information such as name, date of birth, and National Insurance (NI) number is submitted by the employee as part of their credit application. With their consent, this is used to locate their record in the Digital Employment Verification feature, which then accesses their income and employment data and shares it on a one-time basis with their chosen consumer service provider e.g bank.

The data shared is specified by the chosen consumer service provider selected by the employee. It is always the minimum amount required to process their application.

The verification provider collects only the minimum data required to match and retrieve the employee’s payroll information from your payslip portal. The provider requests this data once.

If an employee starts another application in the future, they will need to provide consent each time before the provider can share their information.

No. Access has designed this integration with data privacy at its core. A separate holding database has been created within the Access Group network. Only the data required to support the verification service is held there.

Only when an employee elects to use the service and provides explicit consent will the verification provider access that individual's record, on a one-time basis only.

Yes. Employees need to provide explicit consent at the point of their credit application with their chosen financial institution. If they begin any future applications, they need to provide consent again for each new transaction.

As an employer, you control whether the service is available to your employees via a system parameter in PeopleXD. By opting in, you make the option available to your workforce as to whether they would like to use the service; each use still requires explicit individual employee consent.

As a data controller of your employees' data, you'll need to determine whether a notification is required. Enabling Digital Employment Verification makes the option available to your workforce and gives your employees the choice to use it.

Once an employee is recorded as a leaver in PeopleXD, their data is cleared from the holding database and can no longer be shared with the verification provider. If the employee previously used the service, the provider may retain their data for the applicable audit period.

A Subject Access Request (SAR) should be submitted directly to the relevant data controllers, either the financial institution or the verification provider. Employees are informed of this when they agree to the privacy policy of the service.

Yes. Data is held on a single multi-tenant database on Access Group's infrastructure. The data is shared using secure APIs that connect directly to The Access Group.

Experian and Equifax are regulated by the Financial Conduct Authority (FCA) and manage data under the governance of the UK General Data Protection Regulation (UK GDPR) and the Information Commissioner's Office (ICO) guidelines. API access to the database is restricted by IP address.

Full details of this are provided in the Access Digital Employment Verification Product Factsheet.

To check whether Digital Employment Verification is enabled on your PeopleXD instance, follow the steps below in Portal.

Check how to enable or disable the Digital Employment Verification integration for PeopleXD.