Mobile Connect Driving Global Economic Growth Through Secure Mobile Identity

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1 Mobile Connect Driving Global Economic Growth Through Secure Mobile Identity Marta Ienco, Regulatory and Policy Director 21 st April 2016 UNCITRAL Colloquium on Legal issue Related to Identity Management and Trust Services

2 About the GSMA 2

3 UNLOCKING THE VALUE OF THE DIGITAL ECONOMY GLOBALLY Today, digital identity is seen as an opportunity to drive transformational change for citizens, businesses and public administrations The adoption of mobile technology for digital identity solutions across governments support and enhance government performance and delivery and promote a more connected society both at national and cross-border level Enabled by trusted digital identity $50bn Global annual savings by 2020 $522bn Wider economic benefits by 2020 Through digital and technology transformation $2.5bn annual savings in in the UK Sources: BSG and SIA Study on Digital Identity; UK Cabinet Office 2015

4 EMPOWER CITIZENS, BUILD TRUST AND AWARENESS Worldwide consumers expectations to exercise choice and control over their data when accessing digital services are raising continuously A user-centric approach that places the individual at the heart of digital identity and puts them in control of when, how and if they wish to assert their identities online, is paramount Sources: GSMA Consumer Research EC Special Eurobarometer % of consumers worldwide would like to know when personal information, and what type of information, is being collected 74% of EU consumers want to give their specific approval before any kind 69% 18% of personal of data consumers worldwide are is interested collected and in seeing ads based on information processed they control feel and in willingly control of share the information shared

5 BRIDGING THE IDENTITY GAP AND ENABLE DIGITAL INCLUSION Digital identity is becoming a priority also of low income developing countries both as a primary source of identification and an opportunity to foster digital inclusion through authentication and other trust services The widespread lack of ID in developing countries is a critical stumbling block to national growth. Digital ID combined with the already extensive use of mobile devices in the developing world, offers a transformative solution to the problem. ID4D, World Bank Group 1.5bn Unregistered people who lack access to formal identification and are socially, economically and politically excluded 40% births in Africa and Asia that are unregistered $20bn Estimated savings realised by electronic welfare payments equivalent to 1% of GDP a year in India Need of alignment between public and private sector to ensure proportionality between cost efficiency, scale and adoption

6 Introducing Mobile Connect Mobile Connect is a global open standard supported by GSMA that enables consumers to authenticate themselves, authorise transactions and share their data via the mobile when accessing websites, payment accounts or when initiating payments It combines the user s unique mobile number and an optional PIN for added security, to verify and authenticate the user everywhere they see Mobile Connect Mobile Connect for Commerce: Easy to use, reduces login friction to encourage online and mobile shopping Reduce threat of data breach and identity theft Protects privacy and puts users in control (operator confirm credentials, user gives consent for sharing) Drives repeat business, cost effective and technology neutral Secure digital identity is now in consumers hands 6

7 The transformation towards Multifactor Authentication Something I have + Something I know Something I know Something I have or Something I have + Something I am Something I have + Something I am + Something the network knows Risk-based authentication SIM W-PKI SIM Applet and cloud-based W-PKI solutions can also provide digital legally binding solutions Mobile Connect starting line 7

8 Mobile Connect portfolio Mobile Connect The portfolio starts with the Mobile Connect Authenticate product and can then be expanded in a number of directions by the operator based on individual market needs High-value services Freemium model to build habitual usage & scale ɑhigher security authentication (LoA3 & 4) Authenticate (LoA2) Authorise Identity ɑattributes ɑpayment Authenticate: authentication of an individual Authorise: authorisation of an action Identity: assertion of customer identity Attributes: provision of customer information Payment: integration with payment services 8

9 The global growth of Mobile Connect India Mobile Connect has grown at an exceptionally rapid pace, and is available today to more than 2.5bn mobile users Thailand Pakistan Thailand Egypt Morocco Sri Lanka 26m 42m 70m 85m 178m 622m 2Billion 2.5Billion Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar 9 Australia Bangladesh Spain Peru Mexico Turkey Argentina Indonesia Italy China Spain France Bangladesh Malaysia Myanmar China Switzerland Finland Mexico Indonesia Philippines

10 Existing International models to digital identity Mobile Operators have the reach, flexibility and security to integrate into all existing digital identity systems, but mainly focuses on models 2, 3 and 4 10

11 Digital Identity Assurance A roadmap to unlock the potential of the digital economy The challenge is to create secure, reliable and trustworthy digital identity credentials that can be used across different ecosystems and entities 11

12 Mobile Connect European cross-border authentication pilot (high-level description)

13 Mobile Connect brings strong benefits for both the public and private sector Simple user experience, on a device that citizens already carry with them Frictionless login encourages citizens to access public and private sector services more often. Flexible security helps protect citizens accounts and personal details. Compliant with regulatory requirements on authentication, aligned with the International security standards. Outspoken privacy focus, preserves citizens trust and aligned with government priorities Cost effective, no need for additional devices or readers Efficient and ubiquitous solution, working across public and private sector Enables new digital public and private services improving citizens daily life Easy-to-use digital identity is a key enabler to build a more connected society and enhance digital inclusion Mobile operators work with digital service providers are the ideal partners to create a trustworthy ecosystem Drives scale and ensures national and international inter-operability 13

14 If you would like more information, please contact GSMA via GSMA London Office T +44 (0) Follow the GSMA on Copyright 2016 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA Copyright 2016 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA