1. ‗Kick-Starting‘ Application Services
Effective Digitisation
Jon Shamah
Northern Europe‘s
leading Payments
and Identity
Services Provider
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2. Nets in brief
• Owned by Norwegian and Danish Banking Systems
• More than 2,100 skilled staff
• More than DKK 5.2 billion (€700 million) in revenues
• Nets‘ network connects more than 260 banks and 10 data
centres primarily in the Nordic region
• 17 million cards on Nets‘ platforms
• Payment services to most households in NO and DK
• Issued more than 6 million electronic identities
• Processes 1 billion E-ID transactions annually
• Services more than 300,000 merchants
• More than 425,000 terminals interact with Nets
• More than 230,000 terminals are sold/leased from Nets
• 140,000 creditors use our services along with 5,000
public sector customers
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3. Case Study 1 - NemID Scheme
• Successful Private / Public Partnership
• 3.5 million users
• 400 million annual eID transactions
• Centrally Stored Electronic Identities
• Accepted by eGovernment, Private
Sector and Banks
• Trusted ID-Signature Infrastructure in
Denmark
• Winner of IBM‘s Year 2011 Smart Planet
Award
Securing Danish Banks, Public Sector, SMEs and Enterprises
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4. Case Study 2 - BankID Scheme
• E-ID-scheme securing all e-banking
and e-payments
• 3.5 million users,
• 360 million annual eID transactions
• Multi-Channel Infrastructure
• Implemented for mobile commerce
and bank employees and used for
many e-government services
• Winner of 2006 EEMA Excellence
Award in Europe
Securing Norwegian eID Bank Services
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5. Digitisation – not an National Identity Card
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6. Digitisation Guidelines
• Do not be afraid of financial applications to build familiarity.
• Financial applications are the easiest to build business cases for
• Norway/Denmark have over 1.5 million eID transactions every day (from a
combined 7m+ users) of which the majority are authenticating routine
financial transactions.
• Make it easy and cheaper to develop large applications
• Re-use components and managed/cloud-based services if possible. This
reduces time-to-market and assists in reducing capital expenditure.
• In 2011, Nets managed service applications facilitated the signing of
over 500,000 digital signatures on PDF documents
• Be bold! Have digital application delivery channels only and outsource
interim non-digital obligations to ‗Assisted Services‘ from 3rd parties – it still
will work out cost effective.
• Small Applications: use an app-shop concept for many low cost mini-apps
able to share key components. Encourage creativity with tax concessions
and incentives
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7. Example: Social Service Tickets/Vouchers
• Service Ticket/Voucher
• valid and redeemable for a particular approved social service or item with
approved suppliers and is not linked to a specific monetary value.
• virtual and is signed by participants in process as each stage
• Signatures needed are:
• Issuer
• Recipient
• Authorised Merchant
• Payment Authority
• Ticket can be provided by email or postal services with barcode to present to the
merchant. In the event of there being no digital identity available,
• Every stage of the process is signed on a central server and cannot be changed
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8. Example: Safety Compliance
• Service consisting of a signing and workflow service is used in conjunction
with eIDs for Safety Assessment of a Public Venue.
Risk Evacuation Security
Equip Performance
Assessment Procedures Procedures
Health & Safety Manager x x x x
‘House’ Manager x x
‘Facilities’ Manager x
General Manager x
• This process will need to be completed for each event and many will
need to be signed in a specific order, collated and filed both on site and
externally.
• Digital completion, non-repudiation of documentation and archiving,
coupled with a flexible alert and warning system can ensure that tasks
are completed on time and documentation is filed and archived according
to regulations.
• Real experience has shown that timely completion of documentation
against hard deadlines is challenging, and can lead to fines and closures.
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9. Example: Digitisation of Bank Loan Application
• Service consisting of a signing and workflow service is used in conjunction
with eIDs to digitally process bank loan application
Application Guarantee Contract Terms & Conditions
Applicant X x x
Advisor X x x
Manager X x x
Guarantor x x x
• Traditionally in this process can take over one month in time to complete
and require over 70 sheets of paper.
• Real examples have shown savings in excess of €70 per application and
each bank may process many thousands of applications per week.
• For the case of 10,000 applications per month, the saving to a bank is
worth approximately €8m+ per year.
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10. Increasing the Numbers of Cheaper Applications
• There has been a revolution in the development and deployment of identity and
location based applications in the last number of years.
• July 7, 2011— ―Apple® today announced that over 15 billion apps have been downloaded
from its App Store‖
• There is no reason why a cloud-based eID ‗App Store‘ should not equally XXXXXX
be successful. – Google Apps is going in right direction!
• Trust / liability / SLAs could be dealt with through a ‗Shrink-Wrap‘ licence
• Could work in conjunction with attribute service provider
• Business Model could be per click or periodically
• Encouragement of creativity through tax concessions and incentives
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11. Example: eID mini-Apps
• Health & Safety compliance process for SMEs
– Signed, countersigned and archived
• Short term entry authentication for public facilities
– removes need to leave ID card at swimming pool entrance
– proof of commune residence
• Acceptance of courier delivery
• Automated authenticated attendance
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12. KEY TRANSACTION - ARCHIVING
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13. eArchiving and Trust
• Major concern of SMEs is long term storage of digital
transactions for compliance with regulations.
• Availability
• Traceability
• Readability
• Understanding
• Accountability
• Security
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14. CONCLUSIONS
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15. Conclusions
• All the tools are available
• We just need the confidence !
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16. Jon Shamah
Thank You Email: jshamah@ejconsultants.co.uk
UK Mobile: +44 7813-111290
Any questions ? NETS
http://www.nets.eu
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