In August 2021 I wrote an article on this topic for the Federal Reserve Bank of San Francisco’s publication, Community Development Innovation Review, in an issue dedicated to fintech, racial equity, and an inclusive financial system, for anybody who wants to learn more about the inequities baked into the paradigm of online identity verification that exploded into public use in 2020. https://www.frbsf.org/community-development/wp-content/uploads/sites/3/jaquith-americans-need-a-digital-identity-system-stat.pdf