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The xID Service is supplementary to BankID and is based on previous use of BankID from the end-user device.

The service (optionally) includes step-up to BankID if the end-user cannot be determined via device detection,

Note that endHence, end-user need to be users of BankID in order to get access to the xID Service. Merchants  Merchants may on the other hand use the xID Service without using the BankID Service. The service (optionally) includes step-up to BankID if the end-user cannot be determined via device detection,