Digital Identity, Not Digitised Identity

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Digital Identity not
Digitised Identity
1
Identity
state of the nation deep dive
June 2018
David G.W. Birch
Global Ambassador
Consult Hyperion

Agenda
2
What’s the problem?
Lack of identity infrastructure is a drag on the economy
Wait, what’s the identity infrastructure?
We need to shift to digital identity
Ah, digital identity?
The “3DID” model for an interconnected world
OK, but how do we implement digital identity?
Strong authentication, blockchains, bot passports
So who makes a living from this?
I want it to be regulated financial institutions.

The Identity Problem
3
Identity is Not Working
Three Examples:
Our old friend, card fraud
Internet of other people’s things
Fake news and fake everything else
Section 1

Marshall McLuhan
In the electronic age there will
be new ways of being evil that
we don’t understand yet.

We haven’t even fixed card fraud and…
5
~7 billion “chip and PIN cards” were
shipped last year
Global card fraud was up
US is half of all card fraud
CNP is half of all US card fraud
If you provide a partial solution it does
not solve the problem

…we’re putting a billion things online
On the internet no-one knows you’re a fridge pretending to be a dog
6

It’s Getting Catastrophic
7

Problem Discussion
Given that identity problems with people, things and bots
are manifold, serious and escalating…
WHY DOES NO-ONE DO ANYTHING ABOUT IT!!!

Approaches to Identity
9
Meanwhile, in the real world…
What is happening to build
digital identity infrastructure
Section 2

“Anglo-Saxon Model”
UK Example
10

“Commonwealth Model”
Canadian Example
11

“Continental Model”
Estonian Example
12

“Asian Model”
Indian Example
13

“Scandinavian Model”
Norwegian Divorces
14

Approaches Discussion
Do any of these approaches seem right for the 21st
century?
What are the good and bad aspects of the different
approaches?

Digital Identity is a Solution
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Understanding Digital Identity
A model that is useful for business
The dynamics of digital identity
Section 3

The CHYP Three Domain Model (3DID)
From people (and things and bots) on the left to personas on the right
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Identification Domain
Binding a digital identity to a mundane identity is expensive
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Authentication Domain
For the foreseeable future, mobile the mass market
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Authorisation Domain
A claim is the process of providing a credential and authenticating its use
in order to obtain authorisation to use a service
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Business Example: BBVA
Banks use this framework
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Government Example: NIST
Governments use this framework
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The 3DID Paradigm
A clear and straightforward way to discuss problems and solutions
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Model Discussion
Does 3DID work for you?
What might be missing from the model? Is it over-
simplified for management at the expense of predictive
capacity?

Technology Drivers
25
What is Technology Doing?
Let’s look at three key technologies
and explore their impact
Section 4

WE KNOW WHAT THE PROBLEM IS
“It’s not about payment. It’s about identity”
Jack Dorsey, Founder of Square and Twitter (New York Times, 22nd December 2013)
26

Three-Domain Digital Identity (3DID)
Time for “digital identity” – but what is it? Time for some clear thinking.
27
Blockchains
discovery and
accountability
Biometrics
and strong
authentication
and revocation
Bots
and the
Philip K. Dick
world

Short Term: Biometrics
Financial services (and government, and health and others) can be secure and
convenient in-person and online
28

Narrative: Strong Authentication
Mobile phones and biometrics deliver convenience to the mass market
29

Medium Term: Blockchain
Note the taxonomic distance between ledgers like the Bitcoin blockchain and
ledgers like R3
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Narrative: Ambient Accountability
Trust is a serious problem, we have to get to a new level of transparency – only through radical transparency will
we get to radical new levels of trust (Marc Benioff, Founder and CEO of Salesforce, speaking at Davos in 2015)
31

Long Term: Bots
Starting with robo-advice and
chatbots
And end to offshoring?
But the customers will have bots
too!
Think about advertising, marketing in this
world
How will your AI sell things to my AI?
Replace brand as substitute for
information with brand as
ungameable reputation

Narrative: Digital Identity For All
Passports for
• People
• Things
• Bots
33

Hello, AI
My nine year old just asked “Do robots have passports?”
We agreed they’ll need one in the future, probably.
Victoria Richardson, Chief Strategy Officer, AusPayNet.
34

Technology Discussion
How does the timeline look?
What other technologies should we be looking at?
Have you seen any technology here at Money 2020 that
you think will have an impact?

Implementing Digital Identity
36
Digital Identity in Practice
What should we
(the financial services industry)
Actually do?
Section 5

So Why Aren’t Banks On It?
If you know who everyone is, payments are easy (not my words: Bill Gates!)
37

Who Creates Digital ID?
Who holds the private key, basically

Sovereign Digital Identity
Tends to a
centralised
architecture
Which has
implications…

Federated Identity: ItsMe
40

Self-Sovereign Digital Identity
The user must be central to the administration of identity;
The identity must be transportable;
It must allow ordinary users to make claims
From a “pull” to “push” model, with users selecting the virtual identity;
In creating the identity, “we must protect the individual”.
Christopher Allen (27th April 2016)
Ten Principles: Existence, Control, Access, Transparency,
Persistence, Portability, Interoperability, Consent, Minimalisation,
Protection

Transactions are between Virtual IDs
Transactions use the public key – do they care where the private key is?

Discovery: Is this where the
Blockchain actually helps?
Transactions use the public key – do they care where the private key is?

Implementation Discussion
Will self-sovereign be the break through? The new
approach that can break the log jam?
How do we deal with the key problem?
What should the financial services industry do? Project a
common model or begin common implementation?

Where Next?
45
Constructing Strategies for 21st Century
Digitised identity has not solved problems
Time to start thinking about
DIGITAL IDENTITY
Section 6

Marshall McLuhan
In the new electric world, where everybody
is involved with everybody, where
everybody is involved in complex
processes, the old identity cards, the old
means of finding out who am I, will not
work
(I wish that more people would take this on
board, give up trying to digitise the old
identity systems and start building the
new digital identity system we need.)

Where Next?
47
Digitised Identity Digital Identity
Nodes Edges
Static Dynamic
Single Multiple
Hierarchy Relationships
Dumb Smart
Stand-alone Interactive

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Contact
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Digital Identity, Not Digitised Identity

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