Confirming that a consumer is in possession of their mobile phone and then tying that device to a transaction has been the business of Prove for more than 20 years. The company, formerly called Payfone, is used by more than 1,000 lenders, loyalty program operators and other businesses to confirm a customer’s identity across multiple touchpoints. Among Prove’s products are Pre- Fill, which consumers can use to prepopulate online forms with personally identifiable information (PII), reducing the friction associated with a credit application. Another benefit of Pre-Fill is that it can play...