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Consumer identity: essence, issues and next steps,[object Object],Maarten Wegdam,[object Object],Tuesday Update @ Spaces,[object Object],1 December 2009,[object Object]
Wiebenik? Mijnlinkedinidentiteit,[object Object],2,[object Object]
Identity en criminaliteit,[object Object],3,[object Object]
Identity en big brother,[object Object],4,[object Object]
Identity en afdwingenwetten,[object Object],5,[object Object]
Identity is irritant & duur,[object Object],Irritant voor de gebruiker,[object Object],Vele usernames/wachtwoorden, vele tokens,[object Object],Wachtwoordvergeten,[object Object],Elkekeeropnieuwregistreren,[object Object],Duurvoor de dienstenaanbieder,[object Object],Dure helpdesk		,[object Object],Duur token,[object Object],Duur identity binding proces,[object Object],Lagereconversie,[object Object],Fraude,[object Object],6,[object Object],iktelde 101,[object Object],accounts !!,[object Object]
Identity en, gelukkig, ookkansen,[object Object],7,[object Object],[JanRain, July 2009],[object Object],[Burton Group, Oct 2009],[object Object]
Identity is, technischgezien,,[object Object],identiteit = verzamelingattributen,[object Object],Naam, BSN, adres etc,[object Object],Rijkeprofielinformatie,[object Object],Socialenetwerk,[object Object],Voorpersonalisatie & security,[object Object],8,[object Object]
Identity has contradicting requirements,[object Object],9,[object Object],security,[object Object],Gartner Says Consumers Are Unwilling to Sacrifice Convenience for Security, Despite Widespread Online Fraud,[object Object],Two-Thirds of U.S. Consumers Surveyed Use the Same One or Two Passwords for All Web Sites,[object Object],privacy,[object Object],usability,[object Object],EuroStat: One person in eight in the EU27 avoids e-shopping because of security concerns (Feb 2008),[object Object]
Identity is also a technology & standards issue,[object Object],Mostly mature but evolving technology,[object Object],E.g. phishing: is the user or the technology stupid?,[object Object],Competing, evolving but converging standards,[object Object],10,[object Object]
This presentation,[object Object],11,[object Object]
Approach: federative model,[object Object],12,[object Object],user,[object Object],Promise: easier, cheaper and better,[object Object],Users: easier,[object Object],Only few authentication means, no need to provide information again and again,[object Object],Relying party: cheaper & better,[object Object],Higher conversion, richer profile, lower costs (helpdesk, tokens), enables social web,[object Object],relying,[object Object],Party,[object Object],identity,[object Object],provider (IdP),[object Object]
Major federations in NLfor citizens & students,[object Object],DigiD – e-government,[object Object],For everyone with a BSN, 7 mln users,[object Object],“Nee, tenzij”: e-government, health, pension,[object Object],1 IdP, ~400 relying parties (2008),[object Object],17mln transactions, avr ~2.5 per user/year (very little!),[object Object],Next: STORK project to federate across EU,[object Object],SURFfederatie – higher education,[object Object],>40 IdPs,15 relying parties,[object Object],400k students, 50k employees, ~2000-2500 logins/day,[object Object],Using username/password of institute,[object Object],Also: Kennisnet Entree for non-higher education,[object Object],13,[object Object]
Key issueBusiness model,[object Object],Business case is hard ,[object Object],Failures seem to outnumber successes,[object Object],Example: MS Passport,[object Object],Mostly: lack of relying parties,[object Object],Challenges,[object Object],Business model & ,[object Object],Market entry (chicken-egg),[object Object],14,[object Object]
Key issue – business modelExample: Swedish BankID,[object Object],Issued by 10 banks, since 2003,[object Object],2 mln users, out of 6.5 mln adults,[object Object],75% market share (competition: another bank and Telia),[object Object],170 service providers,[object Object],5 mln usages per month, thus average 2.5x per user,[object Object],Financial (~51%), government (~41%) & private (~7%),[object Object],Authentication,[object Object],1.7 mln soft certificate (file),  400k smartcard,[object Object],Different views on success or not,[object Object],[National eID & ePassport Conference, oct 2009, Lisbon & www.bankid.com],[object Object],15,[object Object]
16,[object Object],Key issue – business model(No) governance?,[object Object],Goal: a healthy ecosystem!,[object Object],Decreasing regulation:,[object Object],Government issued (Belgium eID, DigiD),[object Object],Government regulated (PKIOverheid, eHerkenning),[object Object],Market scheme (                    )			,[object Object],Free market – only a technical standard (OpenID),[object Object],Note: models 1 to 3 require some form of monopoly/regulator,[object Object]
Key issue – business modelMarket entry,[object Object],Too much uncertainty on business model & business case,[object Object],Approach: jointly,[object Object],Create market + share investments,[object Object],Relying Parties and Identity Providers,[object Object],With users in mind!!!,[object Object],Alternative: paid by government …,[object Object],Broad support still needed !!,[object Object],17,[object Object]
[object Object]
Initiative by ECP-EPN
Novay positioned to provide project lead (PoC)
OpenID-based
Status: about to start limited technical testing, extending consortiumDutch Consumer Identity initiatives,[object Object],Consumer Identity for the (initial) financial sector,[object Object],High-security,[object Object],Initiative by Novay & DigiNotar,[object Object],Several large financial companies indicated they’ll join,[object Object],Status: finalizing consortium building, plan to start January 2010,[object Object],18,[object Object]
Key issuePrivacy!!,[object Object],Efficient identity solution -> Big Brother?,[object Object],Principles are more or less clear:,[object Object],Privacy-by-design, minimal disclosure, pseudonyms, revocable privacy, 7 laws of identity etc,[object Object],Trade-off privacy & functionality will remain!,[object Object],User controlled privacy: empower user to personalize what information they share!!!,[object Object],19,[object Object]
This presentation,[object Object],20,[object Object]
21,[object Object],Next stepUser centric identity,[object Object],IdPs    trust    privacy    relying parties   authentication   ,[object Object],Empower the user to control his/her identity!,[object Object]
Next step – user centric identityWhy & how,[object Object],22,[object Object],Why: legal, ethical, user acceptance,[object Object],Personalized privacy,[object Object],One size does not fit all ,[object Object],Privacy attitude surveys:,[object Object],fundamentalist (25%),[object Object],concerned (50%),[object Object],unconcerned (25%),[object Object],How: insight & control,[object Object]
23,[object Object],Next step – user centric identityBeyond consent,[object Object],Informed consent: users need to understand!,[object Object],contrary to: discouraging, blaming or scaring them ,[object Object],Users need to be re-assured what happens,[object Object],with their data,[object Object],but no proper solutions yet …,[object Object]
24,[object Object],IdPs    trust    privacy    relying parties   authentication   ,[object Object],Next stepMobile centric identity,[object Object],User centric implies mobile centric:,[object Object],Mobile is the most personal device user has,[object Object],User always have mobile with them,[object Object]
25,[object Object]
26,[object Object],Next step - mobile centric identity Authentication means,[object Object],“something you have” (& “something you know”),[object Object],Leverage SIM card as secure/trusted hardware,[object Object],Note: owned by operator,[object Object],SMS one-time-password,[object Object],OTP generator application (e.g. VeriSign iPhone),[object Object],OTP generator application on SIM card,[object Object],GAA/GBA (3GPP),[object Object],Mobile (Wireless) PKI (on SIM card),[object Object]
Five take-aways consumer identity,[object Object],Everyone benefits from a federated model,[object Object],Business model and privacy are the key issues!,[object Object],Achieve market entry through joint effort, and select right type of governance,[object Object],User centric identity is here to stay,[object Object],Mobile centric identity is the future,[object Object],27,[object Object]
Comments, opinions, questions?,[object Object],28,[object Object],blog: http://maarten.wegdam.name,[object Object]
backup,[object Object],29,[object Object]
Sectoren en voorbeelden in NL,[object Object],30,[object Object],OpenID.nl+,[object Object],C2G,[object Object],C2B,[object Object],intra,[object Object],organization,[object Object],B2G,[object Object],B2B,[object Object],Digitaal Paspoort (Sivi),[object Object],eHerkenning,[object Object]

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Consumer identity @ Tuesday Update on 1 December 2009

Notas del editor

  1. Belastingdienstverrewegmeestetransacties (10mln)