Signicat and Belgian Mobile ID to deliver trusted digital identity services in Belgium through the itsme® digital identity scheme.

Trondheim, Norway 19 June 2018 – Signicat, the world’s leading trusted digital identity provider, has partnered with Belgium Mobile ID to integrate the Belgian itsme® digital identity scheme into the Signicat Digital Identity Platform.

The integration of itsme® into the Signicat platform means that Belgian financial institutions, online retailers, and other commercial entities can more readily attract new customers and more seamlessly engage with existing customers through:
– Frictionless customer on-boarding and ongoing, advanced user authentication.
– Improved digital customer engagement through electronic signing and preservation of legal agreements.
– regulatory compliance of KYC and AML, GDPR and more.

Additionally, through the relationship, Signicat allows businesses throughout Europe to accept itsme® as an official mobile ID, meaning that Belgian citizens will be able to use their digital ID to access services across the continent. Signicat now connects to 20+ eID schemes globally in countries including Sweden, Norway, Denmark and The Netherlands.

As part of the engagement, Signicat will become a value-added reseller for itsme®, providing customers with comprehensive offering for trusted digital identity solutions in Belgium.

Itsme®, created by Belgian Mobile ID, is an ID scheme and an open ecosystem with the ambition to become a European reference for mobile identity and digital privacy, which makes the concept easy to deploy in other regions and countries. Itsme® is free of charge for users. Companies and institutions who want to offer itsme® to their clients contribute according to their number of users.

“Being able to on-board and keep digital customers is becoming increasingly important for businesses, especially with offerings that require a level of trust beyond a functional credit card. Our work with Belgian Mobile ID means that we can streamline customer onboarding and ongoing engagement for organizations looking to build trusted digital relationships with customers in Belgium,” said Gunnar Nordseth, CEO, Signicat. “The integration of itsme® into the Signicat platform further means that businesses across Europe can quickly and securely on-board Belgian customers, digitally, in minutes – and have trust in their identities – without any need for excessive paperwork.”

“Partnering with Signicat means that Belgian citizens now have access to a wide range of services from across Europe, effectively making itsme® a cross-border digital ID scheme,” said Kris De Ryck, CEO of Belgian Mobile ID. “The cooperation with Signicat offers interesting perspectives to expand the reach of itsme® in Europe.”

-ENDS-

About Signicat
Based in Trondheim, Norway, and founded in 2007, Signicat operates the largest Digital Identity Hub in the world, offering the only complete identity platform in the market and trusted to reduce the burden of compliance in highly regulated markets.
With Signicat, service providers can build and leverage existing customer credentials to connect users, devices and even ‘things’ across channels, services and markets transforming identity into an asset rather than a burden. By ditching manual, paper based processes and replacing them with digital identity assurance, customer on-boarding is accelerated and access to services is made simple and secure. Signicat’s Identity Hub is a complete solution to that offers compliance and a route to better customer engagement.

Signicat has over 200 financial services organisations as clients, connects to more than 20 schemes globally and verifies more than 10m identities per month.

For more information, visit: https://www.signicat.com/itsme/ or contact us https://www.signicat.com/contact/

Media Contacts:
CCgroup for Signicat
Nicole Louis, Martyna Borys
signicat@ccgrouppr.com
+44(0) 203 824 9200

Signicat and Verisec partner to offer Sweden’s Freja eID across Europe

Trondheim, Norway, June 12 2018 – Signicat, a leader in trusted digital identity, and IT security company Verisec, the developers of Freja eID, today announced a digital identity partnership using the Freja electronic ID (eID). As part of the deal Signicat will now offer Freja eID as a signing and authentication method—enabling retail, financial, and other organisations to use Freja eID to on-board and engage customers.

Freja eID is a digital identity with two levels of trust; the easily accessible basic Freja eID, and the more secure and trusted Freja eID+, which requires additional identity vetting. Freja eID+ is used for secure transactions across the private and public sector and is the first Swedish mobile eID approved by the Swedish E-identification Board, granting it the Svensk e-legitimation (Swedish Electronic Identity) quality mark.

Freja eID can be used to sign documents in accordance with the EU’s cross-border digital identity regulation (eIDAS). It also makes it possible for those with limited access to electronic identity schemes—such as recent immigrants—to use Freja eID at the basic level.

Signicat has added Freja eID support into the Signicat Digital Identity Platform and will resell Freja eID acceptance as part of the commercial arrangement. Through the Signicat platform, its customers will have access to Freja eID users through the same interface.

Gunnar Nordseth, CEO Signicat, comments:
“Signicat is pleased to be working with Verisec and to add support for Freja eID and Freja eID+ to the Signicat Digital Identity Platform. By supporting Freja eID we give our customers a new digital identity method for use in combination with all those we already support across Europe. Signicat fully supports Freja eID for authentication, customer on-boarding, and to digitally sign documents.”

Johan Henrikson, CEO Verisec, comments:
“Signicat, as an established digital identity service provider (DISP) in Europe, represents a new and important partnership for Freja eID, supporting its use across the region. For many major players in the banking, finance, insurance and eCommerce, Signicat is the preferred provider of electronic identity and signature solutions.”

For more information, please contact:
Johan Henrikson, CEO Verisec AB
Mobile: +46 733 45 89 02
E-mail: johan.henrikson@verisec.com

For more information, please contact:
CCgroup for Signicat
signicat@ccgrouppr.com
+44 203 824 9200

About Verisec
Verisec AB (publ) is a company on the cutting edge of digital security, creating solutions that make systems secure and easily accessible. The company provides a wide range of products and services within its two areas of business: Digital Identity and Information Security. Verisec has global distribution and operations in Stockholm, London, Belgrade, Madrid, Mexico City, Dubai and Frankfurt. Verisec is listed on Nasdaq First North Premier in Stockholm. Erik Penser AB is Verisec’s. Certified Adviser. For more information, please visit www.verisec.com and www.frejaeid.com

About Signicat
Based in Trondheim, Norway, and founded in 2007, Signicat operates the largest Digital Identity Hub in the world, offering the only complete identity platform in the market and trusted to reduce the burden of compliance in highly regulated markets.

With Signicat, service providers can build and leverage existing customer credentials to connect users, devices and even ‘things’ across channels, services and markets transforming identity into an asset rather than a burden. By ditching manual, paper based processes and replacing them with digital identity assurance, customer on-boarding is accelerated and access to services is made simple and secure. Signicat’s Identity Hub is a complete solution to that offers compliance and a route to better customer engagement.

Signicat has over 200 financial services organisations as clients, connects to more than 20 schemes globally and verifies more than 10m identities per month.

For more information, visit: https://www.signicat.com/contact/

Mitek and Signicat partner to improve digital customer on-boarding for financial institutions

Joint offering additionally helps customers to comply with PSD2, AMLD5 and eIDAS regulations

San Diego and Trondheim, June 4, 2018: Mitek (NASDAQ:MITK) a global leader in digital identity verification software solutions, and Signicat, the world’s leading trusted digital identity provider, today announced a partnership to improve the digital customer on-boarding process for Europe’s financial services companies, while helping clients in their efforts to comply with a number of regulations, including PSD2, AMLD5, and eIDAS.

For many European financial services companies, the battle to attract new customers is fierce. With new “challenger” banks emerging and smaller banks looking to capitalise on new technologies to provide a competitive advantage, every step of the customer acquisition process must be streamlined to achieve optimum success.

“At Signicat we commissioned a report, ‘The battle to on-board: The European perspective on digital on-boarding for retail banks’, to understand what consumers across Europe identify as problem areas when it comes to selecting new financial service providers,” said Gunnar Nordseth, CEO at Signicat. “We found that up 52% of European customers abandon the on-boarding process and one of the main reasons for this is the need to present paper-based ID documents. The research further found that 52% of respondents would be more inclined to register for a new service should the on-boarding process be 100% online.”

To compound this, new regulations throughout Europe are forcing institutions to more rigorously identify customers. In addition to AMLD5 and new KYC regulations, eIDAS opens the way for electronic identification and PSD2 places the focus on strong customer authentication. This multi-faceted focus on identity means that current on-boarding processes could become cumbersome and act as a deterrent to potential new customers.

Signicat has integrated Mitek’s Mobile Verify solution into the on-boarding engine within its Digital Identity Platform. This will enable financial institutions across Europe to verify identity documents though capture on a mobile device, and to seamlessly on-board customers.

Mitek’s Mobile Verify solution can verify the authenticity of identity documents by capturing an image with a mobile device and assessing its authenticity. This helps customers to ensure compliance with strict AML and KYC regulations.

“This partnership marks a watershed in the European identity market. Financial institutions can now on-board customers 100% digitally, doing away with the need to visit a branch,” René Hendrikse, VP and Managing Director, EMEA, Mitek commented. “With the arrival of PSD2 and increasingly stringent AML and KYC regulations, the ability to verify customers’ identity digitally is essential. Our partnership with Signicat offers one of the only platforms capable of this.”

“Partnering with Mitek enables us to jointly offer European financial services institutions a customer on-boarding solution that is 100% online. Our customers will not only be able to benefit from Mitek’s Mobile Verify solution, but also Signicat’s secure authentication, electronic signing and archiving of sealed documents, as well as our integration with over 30 public electronic ID schemes and registry lookups,” said Nordseth. “The partnership is designed to remove friction from the customer on-boarding process to ensure financial institutions can effectively compete in the marketplace.”

-Ends-

To download Signicat’s white paper, “The battle to on-board: The European perspective on digital on-boarding for retail banks”, click here: https://www.signicat.com/resources/battle-to-on-board-2-report/

About Mitek
Mitek (NASDAQ: MITK) is a global leader in digital identity verification solutions built on the latest advancements in AI and machine learning. Mitek’s identity verification solutions allow an enterprise to verify a user’s identity during a digital transaction. This enables financial institutions, payments companies and other businesses operating in highly regulated markets to mitigate financial risk and meet regulatory requirements while increasing revenue from digital channels. Mitek also reduces the friction in the users’ experience with advanced data prefill and automation of the onboarding processes. Mitek’s innovative solutions are embedded into the apps of more than 6,100 organizations and used by more than 80 million consumers. For more information, visit www.miteksystems.com or www.miteksystems.co.uk. (MITK-F)

Mitek Contact:
Ann Reichert
Senior Director of Marketing
pr@miteksystems.com

CCgroup
Mitek@ccgrouppr.com
+44 203 824 9200

Mitek Investor Contacts:
Todd Kehrli or Jim Byers
MKR Group, Inc.
mitk@mkr-group.com

About Signicat
Based in Trondheim, Norway, and founded in 2007, Signicat operates the largest Digital Identity Hub in the world, offering the only complete identity platform in the market and trusted to reduce the burden of compliance in highly regulated markets.
With Signicat, service providers can build and leverage existing customer credentials to connect users, devices and even ‘things’ across channels, services and markets transforming identity into an asset rather than a burden. By ditching manual, paper based processes and replacing them with digital identity assurance, customer on-boarding is accelerated and access to services is made simple and secure. Signicat’s Identity Hub is a complete solution to that offers compliance and a route to better customer engagement.
Signicat has over 200 financial services organisations as clients, connects to more than 20 schemes globally and verifies more than 10m identities per month.
For more information, visit: https://www.signicat.com/contact/

Media Contact
CCgroup for Signicat
signicat@ccgrouppr.com
+44 203 824 9200

The Global Digital Banker podcast – episode 14 – The global state of digital identity

We take a look at the global state of digital identity. From the West we hear from John Erik Setsaas, Identity Architect at Signicat and from the East we hear from Jonathon Thorpe, Head of Identity at the Australian Govt. Digital Transformation Agency.

John Erik Setsaas shares how financial institutions can position themselves at the centre of this technology shift, the opportunities to banks for investing within this space and some great examples of institutions that are leading in market.

Jonathon Thorpe explains the next phase of work for the Digital Identity Framework, the organisations that they are partnering with to implement their solutions and how they build trust and mitigate against risks for consumers.

Listen to the podcast here

Research: Retail banks lose over half of European applicants during on-boarding

  • 72% want bank-led digital identity to ease on-boarding pain
  • 52% would apply for more services if process was entirely digital

Trondheim, Norway, 23rd May 2018 — New research released today reveals that retail banks now lose 52% of potential customers at the on-boarding stage, an increase of 35% in the last two years.

The Battle to On-Board II report was commissioned by Signicat, the world’s leading trusted digital identity provider. The report looks at digital identity and its effect on retail bank on-boarding in the UK, Germany, the Netherlands, and Sweden, and follows up on similar research carried out two years ago.

Banks must comply with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements when on-boarding new customers. This requires personal information to be shared, and identity to be proven. While much of the process can be completed online, in many cases the proof of identity (checking passport, driving license, etc.) phase must be completed in person or documents sent through the post.

The initial 2016 report was focused solely on the UK and found that banks were struggling to on-board consumers thanks to over-reliance on paper processes and a lack of digital identity. 40% of customers were giving up at this last step, frustrated. The new research paints an even bleaker picture across Europe with 52% of respondents admitting abandoning applications. This is more disturbing in the UK where the number rises to 56%.

The 2018 report not only highlights the issue that is preventing customers from completing applications, but also reveals what consumers want to solve the problem. An overwhelming majority of Europeans, 72%, want their banks to offer a fully-digital on-boarding system. This won’t just make them more likely to complete an application, but will also help increase revenue from customers—52% of consumers would be more likely to use additional services from a bank that allowed them to on-board without the need to use paper-based identity. Indeed, the use of digital identity could help gain cross-border customers as the majority of respondents wanted an ID they could use across Europe. This is especially true in Sweden where only 22% did not want this.

Consumers are also clear on who should lead the charge on digital identity. Banks were the number one choice in every country surveyed, trusted to deliver a system over the government or a social media giant.

“The research uncovered some fascinating consumer behaviour around digital identities. It shows that customers that have verified and trusted digital identities are more likely to sign up for more financial products,” said Gunnar Nordseth, CEO, Signicat. “Customers trust banks to supply this identity above governments and social media and in markets where there isn’t a pervasive digital identity scheme, this presents a significant opportunity for banks to increase revenues. Given the potential upside of increased sales, it is clearly worth the banks’ while to explore this further.”

The report The Battle to On-Board II is available for download. It is based on a survey of 4000 consumers across the UK, Germany, The Netherlands and Sweden by Sapio Research.

 

The report is available here:

https://www.signicat.com/resources/battle-to-on-board-2-report/

– ENDS –

 

About Signicat
Based in Trondheim, Norway, and founded in 2007, Signicat operates the largest Digital Identity Hub in the world, offering the only complete identity platform in the market and trusted to reduce the burden of compliance in highly regulated markets.

With Signicat, service providers can build and leverage existing customer credentials to connect users, devices and even ‘things’ across channels, services and markets transforming identity into an asset rather than a burden. By ditching manual, paper based processes and replacing them with digital identity assurance, customer on-boarding is accelerated and access to services is made simple and secure. Signicat’s Identity Hub is a complete solution to that offers compliance and a route to better customer engagement.

Signicat has over 200 financial services organisations as clients, connects to more than 20 schemes globally and verifies more than 10m identities per month.

For more information, visit: https://www.signicat.com/contact/

Media Contacts:

CCgroup for Signicat:

Nicole Louis, Alan Miller

Signicat@ccgrouppr.com

+44(0) 203 824 9205

Exclusive interview with Rabobank: How do the Dutch identify themselves? With iDIN, of course

Wednesday, 16th May 2018, The PayPapers: In 2017, Rabobank and Signicat teamed up to enter the Dutch identity market by providing digital services to businesses and supporting them in servicing their clients.

This joint Digital Identity Service Provider (DISP) offers a range of online login, identity, signature and archiving solutions under the banner of Rabo eBusiness. The Paypers sits down with Alexander Zwart from Rabobank to discuss how Rabo eBusiness developed over the last year and how Dutch consumers prefer to identify themselves.

Could you please provide more details about Rabo eBusiness: what was the idea behind this initiative, what are the groups it addresses, and how is Rabo eBusiness helping these customer groups?

A few years ago, a group of Dutch banks have started iDEAL, a popular payment scheme in the Netherlands, used for online shopping. However, when these banks brought iDEAL to the Dutch market, Payment Service Providers like Adyen or Buckaroo acknowledged that merchants wanted to offer not only iDEAL, but also a wide variety of payment methods, e.g. credit card or PayPal. Therefore, the banks developed this service together, but what they failed to see is that one payment method does not solve all the problems of an online merchant.

Moreover, when the Dutch banks started an online identity scheme, such as iDIN, the question we asked ourselves was: does iDIN solve the whole challenge that merchants face with online identity? We believed that it did not: merchants need more identity options than what the iDIN offered – they required a Digital Identity Service Provider (DISP). We proceeded by looking for PSPs that were already offering identity options in Europe and found Signicat, an experienced and respected DISP in Europe. We wanted to create a solution that would meet identity needs on both sides of the online interaction; both for the consumers who want to identify themselves securely online, as well as for merchants who want to ease the customer’s journey.

So Rabo eBusiness is really a partnership; we have this business together with Signicat and we share its profits. Signicat and Rabobank operate together, both on the product management side, developing the product, as well as on the sales side. We entered the market with a basic proposition, i.e. we offer the possibility of using multiple identity services, like Google login, iDIN, and DigiD – an identity service delivered by the Dutch government, and we plan to expand our product portfolio in the near future.

Does Rabo eBusiness service all industries, or do you focus on specific segments of the market?

On the consumer side, when it comes to the people who use identity, Rabobank has a great coverage in the Netherlands. 94% of the Dutch population have an electronic ID, according to a survey commissioned by Signicat, which will be included in the Battle for Onboarding report that will be launched in May 2018. Of these people, 68 % use their ID to buy financial products.

Our primary focus, therefore, is the financial sector itself. Rabobank is the best launching platform for Signicat, because our customers, i.e. people who buy our products, are already used to identifying themselves via our bank. One of Rabo eBusiness’ first customer was Rabobank itself – Rabobank “bought” the product from itself, and used the identity proposition from Signicat to allow its clients who don’t have a Rabobank ID, but who might have an online ID solution from the competing banks, access the bank’s services.

What made Signicat’s implementation within Rabobank successful? Where there any challenges?

Signicat is very experienced in connecting complex IT parties like Rabobank. The biggest challenge, therefore, was not the part of cooperating with Signicat, yet for Rabobank to take a new look at identity. It took us some time to adapt our architecture to an open structure, accessible for people outside the bank.

Signicat has made connecting with other large parties a very easy experience, and as a result Rabobank is able to smoothly connect with large organizations now. I have mentioned earlier that one of our business focus is the financial services sector; for us financial institutions and insurance companies are a good match.

Therefore, we are proud to announce that we have recently partnered with Aegon, another large financial services provider in the Netherlands, and managed to integrate our solution in their IT systems frictionless due to the Signicat’s experience in connecting large parties.

Thanks to fintechs and challenger banks, incumbent financial service providers are under more pressure than ever for market share. It is critical, therefore, that customers can use applications as smoothly as possible—as any bumps in the road will lead to abandonment. In the Netherlands, what is still needed to drive adoption of identity services?

There are a few challenges ahead; firstly, we need to make identity services as easy to use as the big techs do, both on the consumer and the merchant side. On the consumer side, it is very important that the identity scheme you prefer is offered on all devices, especially on the mobile phone and within an IoT environment. This is why banks have invested a lot in making iDIN available for mobile. On the merchant side, it is important that you can offer a broad set of identity services/schemes to your customers (iDIN, DigiD, Google ID, Facebook ID, etc.), to maximize conversion rates.

Secondly, iDIN needs to be seen as a trustworthy, and preferred means of identifying oneself. However, things are pointing in the right direction: iDIN is used by an increasing number of people and organizations in the Netherlands, increasing the trust and goodwill towards this identity service.

Thirdly, we need to keep on working on the distribution on the merchant side. People have to see it in the market, so that consumers are convinced of its convenience and accessibility, and merchants are assured of its power to increase conversion. Luckily, Signicat has a lot of experience and expertise in creating a smooth onboarding process.

How do you see the identity services space evolving over the next 5-10 years in Europe?

Definitely identity will remain a key topic for the next decade. One can see that governments, companies, and people want to do more online. This makes digital identity increasingly important and will grow tremendously. Moreover, the Signicat research shows that banks are a trusted institution for consumers as their safe house for identity, more than social networks, so there is a big opportunity for banks to take the lead in identity services.

Webinar
For more great insights from Rabobank, Signicat and iDIN tune in on the 30th of May to The Battle to Onboard II webinar, in which they will discuss how you can keep your customers happy with the help of seamless on-boarding og digital identity. Click here to register.

Signicat featured in Lafferty Group’s new Bank-Fintech Partnership report

New research looks in-depth at this growing dynamic, including Signicat’s work with Rabobank

Trondheim, Norway, 27th April 2018—Signicat, the world’s leading digital identity provider, has been profiled in Lafferty Group’s in-depth research on the collaborations between financial providers often seen as rivals: Bank-Fintech Partnerships: Deployment Lessons from Around the World.

The report explores the opportunities available to both banks and fintechs by partnering rather than only competing, and includes 21 detailed case studies. It examines how banks are not just partnering with fintechs in order to provide new services to their customers, but also how banks can learn from fintech culture to solve business issues.

The deep dive into Signicat’s partnership with Rabobank covers the creation of a Digital Identity Service Provider (DISP) in the Netherlands, Rabo eBusiness, designed to replicate the success of BankID in Norway. As the report notes, “there is a gap between the metrics on an eID card and the requirements for digital onboarding of customers in financial institutions that is also sufficient for Customer Due Diligence…Rabobank will offer customers a trusted digital identity that they can then use to access all kinds of other services.”

“At Signicat, we believe that fintech providers and banks are not enemies, and a great deal of potential can be unlocked when they work together,” said Gunnar Nordseth, CEO, Signicat. “We’re delighted that Lafferty has chosen to profile our collaboration with Rabobank as an example of this working in practice.”

The report is part of Lafferty’s Retail Banking 2020 research, and a sample is available here: http://reports.lafferty.com/reports-store/retail-banking-2020-research-service/artificial-intelligence-and-robotics-in-banking.html

About Signicat
Based in Trondheim, Norway, and founded in 2007, Signicat operates the largest Digital Identity Hub in the world, offering the only complete identity platform in the market and trusted to reduce the burden of compliance in highly regulated markets.

With Signicat, service providers can build and leverage existing customer credentials to connect users, devices and even ‘things’ across channels, services and markets transforming identity into an asset rather than a burden. By ditching manual, paper based processes and replacing them with digital identity assurance, customer on-boarding is accelerated and access to services is made simple and secure. Signicat’s Identity Hub is a complete solution to that offers compliance and a route to better customer engagement.

Signicat has over 200 financial services organisations as clients, connects to more than 20 schemes globally and verifies more than 10m identities per month.

For more information, visit: https://www.signicat.com/contact/

Sales Executive

Sales Executive, Norway

Signicat is one of the leading providers of electronic identity and electronic signature solutions in Europe. The company, founded in 2007, delivers online trustbased services to the public and private sector globally.
The solutions fulfill operational capabilities in line with international standards and requirements, such as Privacy, Anti-Money Laundering (AML) and Anti-Terrorist legislation and regulations, as well as Know Your Customer (KYC) requirements for onboarding of new users.

Signicat offers some of the most advanced solutions for electronic identity and electronic signatures. The goal is to enable customers to do business more effectively by delivering great user experiences for the end users and at the same time reduce the risk by using advanced security technology.

The Signicat solutions are used by banks and financial institutions, insurance companies, government agencies and large corporations as well as small and medium sized businesses. Customers trust Signicat with the responsibility of authenticating users, providing electronic signing, identity proofing and document preservation.

Hovedarbeidsoppgaver:
• Ansvar for salg mot nye kunder og partnere i Norge
• Løpende oppfølging av eksisterende kunder
• Utarbeide og forhandle tilbud og avtaler
• Nettverksbygging

Kvalifikasjoner og egenskaper:
• Erfaring med salg/rådgivning eller konsulentvirksomhet knyttet til skytjenester eller annen programvare (crm, erp)
• Erfaring med kontraktsforhandlinger
• God teknisk innsikt og forretningsforståelse
• Evne til å arbeide selvstendig
• Motivert og med «drive»
• Dokumenterte resultater

Signicat kan tilby deg en jobb i et av Nordens ledende fintech selskap. Selskapet har konkurransedyktige betingelser og en rekke goder. Signicat har 95 ansatte fordelt på kontorer i Trondheim (hovedkontor), Oslo, København, Helsinki, Stockholm, Amsterdam og London.

Kontakt: Petter Iversen
Sales Director Nordic,
Tlf 95278678
Petter.Iversen@Signicat.com

Søknadsfrist: 22.04.18

Trusted Digital Identity

The Nordic countries rank high in trust, which means that people have trust in other people. And in organizations. And in the government. Trust is a core part of making a digital identity scheme work. There are countries where the uptake of digital identity is very slow, and one of the reasons is the lack of trust.

“Trust is a fundamental element of social capital – a key contributor to sustaining well-being outcomes, including economic development.” (Cite: Esteban Ortiz-Ospina and Max Roser (2016) – “Trust”. Published online at OurWorldInData.org. Retrieved from: https:/ourworldindata.org/trust)

One problem is of course also the lack of services which accept the digital identity, and as such it is a chicken-egg problem.

Then there is usability. If the digital identity scheme requires a card reader, which you must buy, and install drivers to make it work on a number of different PCs, or make it work with mobile devices or tablets, well, the stage is set for disaster. And if there are no services available, why would users want to set up an electronic Identity (eID)?

If you do not have trust in the government, perhaps due to fear of surveillance, you will also be very reluctant to share personal information online. There are countries with a history of not just surveillance but even eradication of groups of people, so this is understandable.

On the other hand, many people are more than happy to share an abundance of personal details on social media, and seem oblivious that this information is available to a lot of people, including the government. Many people seem to be more than eager to sell their private information in return for targeted marketing, for example through the use of store loyalty cards. Perhaps social media has given the users some sort of comfort, letting users believe that they are only sharing information between friends. We tend to forget that information such as which links we are clicking on, which posts and pages we like and comment on, as well as where we are and which device we are using, is also collected, and used to learn more about us. The sharing of information is motivated by yourself, possibly because you are you are being rewarded by other people liking or commenting on your information . Nobody is requesting the information from you; you are sharing. In return, you get paid in likes, as well as in ads, all the while (consciencly or not) trusting the social media platforms not to mis-use your data.

To make a solution trustworthy, it must be transparent. The user must understand what information has to be shared (e.g. uploading the image of a passport), why this information has to be shared (e.g. to verify who you really are, and to prevent someone from stealing your identity) as well as how the information is being used (for example for the sole purpose of verifying your identity).

The GDPR (General Data Protection RegulatIon: https://www.eugdpr.org/ ) will come into effect in May this year, and is good news for all of us. The GDPR was created to protect the privacy of the user. It is not for organizations. It is not for governments. It is all about protecting how our personal information is being used. The GDPR requires that anybody collecting and using PII (Personally Identifiable Information) also has to obtain consent from the user in order to be able to use their data.

And to show that that they truly mean this, the EU has put some substantial fines on breaches, up to 4% of global revenue. So hopefully, this should make collecting and using personal information more transparent, as well as help restore trust in identity data usage.

Signicat is currently working with some of our large customers to see how consent management can be integrated into our solutions, while at the same time putting as little stress as possible on the user.

Blogpost by John Erik Setsaas, Identity Architect, Signicat