NextGen ID: Digital identity verification for your client

‘NextGenID’ (NGID) is a digital ID solution within ApplyOnline. This is a simple and secure way for you to initiate a request for your client to electronically verify their identity while also reducing the manual effort to input personal details into an application. When you submit a digital ID request via NGID, your client will receive an SMS with instructions on how to verify their identity.

For more information on how this works for you and your client, NGID have created a user video.

To use NextGenID (NGID) you’ll need to start an application in ApplyOnline. Only the ‘Identity’ section on the ‘Applicant’ tab needs be completed with your client’s full name and mobile number to send the NGID request.

The NGID process can be completed before you’re ready to submit the application to Macquarie, for example when you initially meet with your client. Fill in the minimal details in the ‘Applicant’ tab to activate the NGID request and once your client has successfully completed their identification verification, you’ll be able to complete the rest of the application when you’re ready. The NGID report will be automatically attached to Supporting Documents section of ApplyOnline so it’s ready for submission.

NextGenID (NGID) can be activated from ApplyOnline once you’ve started an application and input your client’s full name and mobile number on the ‘Applicant’ tab. Your client will need to complete their NGID successfully before the application can be submitted.

Here’s how to send a NGID request via ApplyOnline:

• Start the application and input the applicant’s details into the ‘Identity’ section
• Update the ‘Applicant’ tab with the applicant’s full name and mobile phone number
• Under ‘Financial Passport: NextGenID’ tile, select ‘Get Started’
• In the pop-up window, select the applicant the NGID is for
• Click ‘Send’ to send the SMS link to your clients’ mobile.

Note: if you and your client have previously completed NGID for a previous Macquarie application, you may have the option to use the prior NGID – see below section ‘Using NGID for multiple applications’ for more information.

When you’re ready to activate the NGID request for your client, it’s important to let them know what to expect. This will ensure they successfully complete their ID verification.

Watch this short video to familiarise yourself with the experience from your client’s perspective.
 

Suggested email template to prepare your client for NextGenID

Dear ___________,

Shortly, I will activate the digital identity verification process for you as part of your home loan application with Macquarie. Here’s what to expect:

1. You’ll receive an SMS from ‘NextGen’, with a link to start the ID process
2. Before starting, ensure you have your physical ID documents ready, including your Australian driver’s licence and either passport or another ID document
3. When ready to start, click the link in the SMS – you’ll need to open it in Google Chrome or Safari
4. You’ll be asked to read and agree to a privacy statement to securely collect your identity information
5. Provide your first identity document by taking a photo of the physical ID documents, followed by your second – screenshots/copies of digital IDs are not accepted
6. Your details will be taken directly from your ID documents
7. Once you confirm the ID document details, you will be asked to take a ‘selfie’ through the face verification stage
8. Prompts will be provided to guide you through the ‘selfie’ video
9. Once completed, your identity verification will be sent to Macquarie.
    

SMS example

Below is an example of the SMS they will receive after you activate the NGID application from ApplyOnline:
 

When your client is submitting multiple applications they only need to successfully complete their NextGenID (NGID) once. This also means that if your client is applying as an individual borrower or a director of a company, the same NGID report can be used. To be given the option to link the NGID file for your client across multiple applications, the below requirements need be met.

Your client’s previous NGID needs to have been completed:

• for a prior application with Macquarie as the lender,
• by you, the same broker from the same office,
• using the same full legal name and mobile phone number, and
• the ID documents are still valid (passports up to 2 years post expiry).

If there is an existing NGID report available for your client, when you select ‘Get Started’ from the NextGenID tile in the ‘Financial Passport’, a pop-up window will appear with an option to either ‘use existing NextGenID’ or ‘Create new request’.

For multiple applications prepared at the same time: set up the applications in ApplyOnline and send the NGID request to your client on one of the applications. Once your client has successfully completed the identification process and the NGID tile shows ‘Completed’, when you start the NGID process in the other application(s), a pop-up will show an option to use an existing NGID file for the applicant(s) listed.

For multiple applications submitted over a longer time period: as long as the applicant details in ApplyOnline remain the same, you will be given the option to use the NGID file available.

Note: This only applies to applicants who completed NGID after 27 November 2023.

To keep updated with how your client is progressing, ensure you have updated your back channel message (BCM) preference to include the NextGenID options or log into ApplyOnline to check the status. Each applicant will have a separate NGID tile tracking their progress.

For more information on how to set up your BCMs, see our Help Centre article.

Once your client has successfully completed NGID, the status in ApplyOnline will be updated to ‘Completed’.

On receipt of the NGID information, the ‘Applicant’ tab will automatically update the ‘Identity’ section – if completed successfully, there is no need to manually enter any ID documents when NGID is used.

The NGID report will also automatically be uploaded to their Supporting Documents and the checklist conditions will automatically be added and verified. There is no further manual involvement needed to complete the verification of supporting documents concerning identification.

You won’t be able to access their report, it will be sent directly to Macquarie once the application is submitted.

Note: You don’t need to complete the whole ‘Identity’ section prior to completing NGID. If required, you can still manually add more ID document data to this section once NGID has been received.

The NGID journey is quick, typically taking less than 10 minutes depending on whether your client’s ID documents are easily accessible when they start the process. The session will automatically time out after 50 minutes, however applicants generally complete the steps well within this time frame.

Your client can start and stop the application several times, however, it does need to be completed within 72 hours before the link expires.

If the link has expired or your client has cancelled their application, you’ll be able to re-activate NGID to resend an SMS. See previous section, Sending a NextGenID to your client.

If your client has not started the NGID, or it’s in progress or pending, you can cancel the request by going to the ‘Applicants’ tab and clicking ‘cancel’ under the NextGenID tile. You cannot cancel a request if the client has already completed the steps. 

Once cancelled by either you or your client, you can re-activate the NGID request for your client by selecting ‘Get Started’ again in the ‘Financial Passport’ section.

There are scenarios where you may need to reactivate the NGID process with your client. These may include when your client:

• has deleted the SMS
• has asked to change their mobile number on the application
• has not completed the NGID process within 72 hours.

Before the link has expired (within 72 hours) you can reactivate by selecting ‘Cancel request’ in ApplyOnline on the NextGenID tile. You will then have the option to re-issue the SMS by selecting ‘Get Started’ again.

After the link has expired (after 72 hours) you can start the NGID process again from the ‘Applicant’ tab.