Incode & TOTM Technologies Form Strategic Partnership to Meet Accelerated Demand for Omnichannel Identity Experiences in Indonesia

Incode & TOTM Technologies Form Strategic Partnership to Meet Accelerated Demand for Omnichannel Identity Experiences in Indonesia

Incode, the next-generation identity verification platform, recently announced that it has forged a partnership with TOTM Technologies as its reseller, to offer one of the world’s most powerful identity solutions, Incode Omni, to the Indonesian market as part of its Asia Pacific expansion.

Incode is a Fintech Power 50 company and industry leader in privacy-centric identity verification for global enterprises.The Omni platform is used by the world’s largest financial institutions, governments, marketplaces, hotels and hospitals to customise their user experience, at scale while drastically reducing security and fraud risk. With its unique passive liveness technology, word class facial recognition, and advanced deep learning techniques, Incode Omni meets the most stringent compliance and security standards for global brands such as Jumeirah Hotels, Rappi, and Citi.

Indonesia is a key market for Incode and TOTM in Asia-Pacific. Indonesian enterprises are accelerating their digital transformation to address a growing base of digitally savvy mobile-first users who are demanding frictionless onboarding processes and a simpler experience. According to Statista, 72% of Indonesians are smartphone users while close to 73% now have internet access. What’s more, the pandemic added 21 million new digital consumers, with the majority (72%) from non-metropolitan areas.

As an end-to-end identity management and biometrics products provider, TOTM Technologies powers enterprises with digital identity and onboarding solutions spanning use cases such as national identity, fintech and finance, healthcare, and critical infrastructure access control.  TOTM Technologies recognises identity as a key that opens unlimited doors and is determined to broaden the horizon of Indonesian companies by bringing world-class, secure, and customer-first biometric products from Incode into the region.

Ricardo Amper, Founder and CEO of Incode, said, “We are proud to team with a widely recognized partner like TOTM Technologies. TOTM Technologies’ technical expertise and experience, large customer base, and understanding of a big Asian market like Indonesia are unparalleled in the region. With its support, I expect nothing less than hyper-growth in Indonesia as we continue our global expansion into Asia Pacific.”

Allen Ganz, Vice President of Business Development, Incode, said, “TOTM Technologies has a strong track record in helping enterprises transform their business operations with next-generation biometric and identity solutions, coupled with strong technical support across many shared industry verticals. Our first in Asia Pacific, this partnership is a milestone in our global channel roadmap where we aggressively expand our partner ecosystem to meet the demand for our offerings.”

Pierre Prunier, CEO and Executive Director of TOTM Technologies, said, “Indonesian businesses are showing great interest in identity verification and management solutions, especially with the acceleration of digitalisation due to the pandemic. We are confident that Incode’s best-in-breed solutions and disruptive technology will deliver the secure, frictionless, and differentiated user experience that our customers are prioritizing and are looking to offer in their highly competitive sectors.”

Biometric authentication used by U.S. businesses triples

Biometric authentication used by U.S. businesses triples

The record-high demand for digital identity solutions by customers and enterprises is creating shockwaves in terms of surging revenue, expected to reach $70.82 million by 2028. Now, according to figures released in several new studies, the number of U.S. businesses using biometric authentication to prevent fraud and security for customers has almost tripled from 27% in 2019 to 79% in 2022.

With pisistant threats against security, two-factor authentication is even more likely to be implemented in 91% of businesses in 2022 compared to 64% in 2029 as attacks become more sophisticated and common.

Interestingly, in GetApp’s 2022 report, even the supposed protection of two factor authentication has become compromised as hackers find new ways to defeat it. The sharp upturn in authentication technologies being deployed by U.S businesses can be attributed to a 7% increase in cyberattacks in the last 12 months. Remote working has been a driver for an influx of cyber attacks while many smaller organisations turned to using cloud solution rather than in-house IT services.

In June 2021, while lobbying for changes to the U.S. digital identity strategy, Congressman Bill Foster said: “It’s time for the United States to catch up with the rest of the developed world when it comes to digital identity”.

The USA’s cyber defence seems to have been revived with the National Strategy for Trusted Identities in Cyberspace seeking a more integrated ecosystem of interoperable identity service bodies. NIST published a third draft of Digital Identification Guidelines this summer.

 

Jonathan Andresen, Senior Director, Marketing, Incode Technologies

Jonathan Andresen, Senior Director, Marketing, Incode Technologies

IdentityWeek.net in conversation with Jonathan Andresen, Director of Marketing at Incode Technologies. 

A industry leader in identity verification and authentication, Incode transforms the consumer experience for large enterprises.

“We are leading the change towards leveraging biometric and facial recognition to help the largest customers in the world and enterprises to be able to leverage this technology to transform their customer experience, up-level their security and increasingly monetise their move towards digital transformation”.

The interview explores the importance of converging security, trust, privacy and convenience as factors that are at the forefront of identity experiences for end-users and enterprises.

 

Trio work together on digital payments system for government services

Trio work together on digital payments system for government services

Working together on a digital payments system for government entities, First Abu Dhabi Bank, payments provider, Magnati and the RAK Government have recently signed a partnership agreement to launch RAK Pay.

RAK Pay will transform flexible and secure transactions and payment collection tools for government services. Magnati has been appointed as a regional Payments as a Platform Provider that provides services in direct acquiring, issuer processing and acquiring processing to government and organisation clients.

It has been announced that Magnati will also have a hand in issuing their own prepaid cards to users of government service payments, to promote a transition to digital payments for banked and unbanked customers.

Customers can be reassured that payments will be sent and received securely and most major cards from known providers will be compatible with RAK Pay.

Yousuf Ali Mohammed, Director-General of the Department of Finance commented on the partnership being attuned with the government’s goals to improve its business-like operations and services making public revenue.

He also said the alliance was in line with the “department of Finance’s continuous efforts to enhance the emirate’s financial sustainability, while strengthening corporate governance of public revenue management and increasing the economic competitiveness of the digital economy.”

The government as well as enterprises is interested in continually developing digital financial platforms to support its own expanding services and in the private sector through leveraging the best-in-class identity technologies and solutions.

By developing its own digital payments’ system, the RAF government wants to create more competition in the marketplace between solution providers and take an active role in not just overseeing growth in digital identity, but being a key driver.

RAK Pay will be an easy, one-step solution to make payments whether through Ras Al Khaimah’s official online portal or the mRAK app, to ensure a seamless experience for end-users across all our channels”.

Keynote presentations at ID Week America

Keynote presentations at ID Week America

Identity Week America 2022 is shaping up to be an unmissable event – at its core promising to deliver a buzzing atmosphere and genuine mix of suppliers, organisations, enterprises and public authorities to meet.

We have a hotbed of brilliant experts in biometrics, digital and physical identity that are preparing to head to Washington D.C. for the 8th edition of the conference – but who will be taking to the main stages?

We start as we mean to follow with an introduction and opening remarks from John Mears, the Chairman of IBIA, a leading voice in the biometrics and digital identity technology space that alone incorporates many of the key identity companies presenting their solutions in the Expo. The Association represents a spectrum of key industry providers across every digital ID application and biometric modality.

The keynote presentations taking place from 9-10:30 on Day 1 and 2 provide a snapshot of the quality, in-depth presentations that will follow throughout the conference and be divided into the specific challenges and successes facing large-scale projects and sectors.

4th October    9:00

Keynote Theatre: Innovating identity management solutions to improve security effectiveness and the passenger experience

David Pekoske, Administrator, at Transportation Security Administration will be giving his viewpoint on how innovative identity management solutions can improve security and enhance the passenger experience.

9:20

Followed by returning keynote speaker, Kenneth Gantt, U.S. Department of Homeland Security, who will be reflecting on the ever-changing demands on the identity ecosystem which continues to expand to encompass providers of digital ID, biometric technologies and identity documents. What is needed to unify the ecosystem and adapt to changes?

Register to attend: “Bringing together a comprehensive ecosystem in an identity multiverse”.

9:40

Digital identity and trust in healthcare: Present and future

We are delighted to welcome Linda Van Horn, President and CEO of iShare Medica to update the wider identity community on how digital identity is changing how medical data is securely accessed by patients and medical professionals.

10:00

Mind the trust gap

The presentation will be delivered by our Title Sponsor NEC National Security Systems. While addressing the rate by which digital ID technologies have accelerated, this keynote will highlight the imbalance with physical identity, forming a “physical gap”, and assess the convenience needs of users and frameworks for building foundational trust in identity solutions.

Kathleen L. Kiernan

Thales and Euronet offer tokenisation solutions to digital banks and fintechs

Thales and Euronet offer tokenisation solutions to digital banks and fintechs

Combining Thales’ cloud-based issuance platform and Euronet’s payment technologies, a new strategic partnership will provide financial institutions like fintechs and digital banks with a modern, tokenised mobile experience.

Thales and Euronet are collaboratively combining the Digital First, Physical Later, and Digital only card programs to deliver tokenisation solution.

Tokenisation typifies a new norm of banking that does not use physical currency.

On Thales’ website, it states modern card issuance means delivering an instant, digital payments service that leverages digital and virtual cards. Modernising card issuance also opens up more functions within a mobile banking experience, allowing customers to make crypto money transfers.

The partnership will also provide mobile services to fintechs such as choosing between using physical or digital cards, card hosting, authentication and tokenisation.

As banks and cards providers increasingly adopt a “digital-first, physical-later” approach, this creates advantages to using tokens rather than physical cards such as encrypting sensitive information from fraudsters and allowing the customer to orchestrate their own use of digital and physical services.

ACS to Participate in Identity Week America 2022

ACS to Participate in Identity Week America 2022

Advanced Card Systems Ltd. (ACS), Asia Pacific’s top supplier and one of the world’s top 3 suppliers of PC-linked smart card readers, will be exhibiting at Identity Week America 2022 from 4th to 5th October 2022 at the Walter E. Washington Convention Center, Washington D.C. in booth 525.

As the country’s most prestigious and important identity event, Identity Week America aims to bring together the brightest minds in the identity sector to promote innovation, new thinking, and more effective identity solutions.

ACS will be showcasing its latest products, including:

–          ACR39U-NF USB Type-C Smart Card Reader, a pocket-sized card reader that supports a wide range of smart cards;

–          ACR1252U-MF USB Type-C NFC Reader III, a NFC forum certified reader capable of performing card reader/writer, card emulation and peer-to-peer communication; and

–          ACR350 Secure Validator, a payment terminal designed specifically for Automatic Fare Collection (AFC) systems to offer the convenience of cashless and secure payment in a wide variety of transportation modes.

 

IDW America 2022: See the agenda now!

IDW America 2022: See the agenda now!

Identity Week America is a dynamic identity event for the USA which continues to expand to accommodate an influx of industry solutions and unite a cross-section of the stakeholder community.

Kick-start new partnerships, projects and find your next business partner in Washington D.C. on 4 & 5 October.

Entering its 8th year, the conference has proven to understand an ever-evolving marketplace in identity and advance successful applications across digital identity, biometric and physical security domains.

Speakers and experts from across these domains are registering at a rapid pace to secure their place at this unmissable event of the year.

They include important organisations such as The Transportation Security Administration (TSA), U.S. Department of Homeland Security, iShare Medical, NEC National Security Systems and so many more.

Now is the time to discover inspiring presentations and plan your own networking experience, with 1500+ stakeholders promised to be in one place in Washington at the same time!

With two weeks to go, we are delighted to announce this year’s stellar programme for our stakeholder community, packed full of thought-provoking and interactive sessions, inspiring keynote presentations and roundtables.

EXPLORE THE CONFERENCE AGENDA HERE: https://www.terrapinn.com/exhibition/identity-week-america/agenda.stm

In an industry where digital is accelerating at an extraordinary pace, sessions will relate to how the industry can bridge the gaps between digital and physical identity, facilitating the growing use of online identity verification while securing identity documents.

We will also explore the convergence of trust, privacy and convenience as values that are at the forefront of identity experiences for end-users and enterprises.

Identity Week America is a multi-faceted event, co-located with an exhibition for convenient networking and a Start-Up zone where hundreds of start-ups will exhibit their new solutions.

Book your ticket at our special discount rate to confirm your seat in these final weeks.

Q&A with Jean-Luc Khaou at MineSec

Q&A with Jean-Luc Khaou at MineSec

At Identity Week Asia, Payments Consulting Network Technical Director, David Lunt caught up with MineSec Managing Director, Jean-Luc Khaou, for a deep dive into SoftPOS and how MineSec is supporting the enablement of digital payments for Small and Medium-sized Businesses (SMBs). 

Read the highlights of the interview below. 

DL: Can you please describe how MineSec helps SMBs accept digital payments?

JLK: MineSec is an innovation enabler that accelerates access to digital payment technology for all SMB merchants. We help customers jumpstart their SoftPOS payment innovation and grow their business by converting smartphones to contactless payment acceptance devices. With our white-label SoftPOS solution, MineSec enables Digital Payment Inclusion for SMB merchants looking for more support to accept electronic payments as cash use fades. 

MineSec SoftPOS solution converts any smartphone to a payment Point Of Sale and complies with stringent international security standards. The solution comprises a Software Development Kit (SDK) and an Attestation & Monitoring (A&M) server, also called Know-Your-Device (KYD) server. The SDK provides Contactless Kernels, security protections, and APIs for customers to develop their own SoftPOS applications. The A&M server checks the security exposure of the application and device.  

With our team based in Singapore, Hong Kong and Shenzhen, we support all our customers across Asia, the Middle East and Europe. 

DL: What payments services do you offer your target merchants?  

JLK: We offer a way for SMBs to accept contactless payments without the traditional hardware and its related implementation costs. Payments are increasingly going contactless and digital, but many SMB merchants are excluded from the current contactless payments wave. They lack support from Payment Service Providers (PSP) who see lower returns for their implementation efforts and hardware cost to onboard small and medium business merchants. 

SoftPOS allows merchants to accept digital payments by converting smartphones into POS terminals. They can simply download a SoftPOS app to complete the mobile onboarding process and start accepting contactless payments. 

With MineSec SoftPOS solution, PSPs can now capture the market that they have been leaving behind – offering merchants omnichannel payment services cost-effectively and flexibly for both PSPs and merchants. 

Our solution has all payment kernels (Visa, MasterCard, Amex, UPI, Discover, and JCB) and QR code payment solutions integrated, enabling MineSec to be currently activated in over 10 countries in Asia, Middle-East and Europe where merchant SoftPOS applications are powered by MineSec technology. 

DL: Are there any industry sectors or client types that you focus on? 

JLK: We work with FinTech, PSPs and POS vendors of all types. Some want full control of their solution, whereas others just want a ready-to-go white-label solution for fast market access. 

MineSec solution is agnostic to industry sectors and can be used by SMBs in brick-and-mortar shops, restaurants, delivery, event, and transportation services.  

DL: What do you see as the key strengths of MineSec’s services? 

 JLK: We also want to simplify the SMB’s journey to access contactless payment and offer a solution that is easier and more modular to deploy. MineSec will keep enriching our products horizontally and vertically. We have recently announced the integration of KYC/KYB services from a technology provider to enhance identity security for a more seamless onboarding process for merchants.  

We are unique in how open and modular our solution architecture is – allowing our customers to have many choices in configuring their bespoke SoftPOS solution. 

Finally, MineSec features a comprehensive back-end SaaS solution that offers PSPs all the necessary cloud-based platforms to operate and monitor devices, merchants, and transactions. 

DL: How do you differentiate MineSec from other softPOS providers? 

JLK: In addition to the advanced SoftPOS solution we offer to the market, we have gained tremendous trust from our customers, thanks to the credibility of our in-house experts. Customers rely on MineSec to get certifications and effectively deploy their SoftPOS services.   

What makes us different also is how our A&M server is designed to provide a Know-Your-Device security service. We implemented configurable business rules to adapt to country-specific requirements so that PSP can be meeting the needs of their merchants in any country they operate. 

DL: What key achievements over the last 12 months can you share? 

JLK: MineSec was incorporated in May 2020. During the first 6 months, we focussed on the development of the MVP, create our value proposition, and then convinced our first customer to deploy our solution. 

We have invested all our efforts in the product, ensuring that we acquire all the mandatory certifications for our solution rollout and to gain more customers. So in 2021, we signed on to 6 new customer projects and had the first production deployment in Hong Kong. 

As of today, we are certified by PCI, Visa, MasterCard, American Express, Discover, and UnionPay to use MineSec white-label SDK in their networks. We also have 7 direct customers and 5 indirect customers. Indirect customers are users of MineSec solutions in countries where our direct customers have sold their solution as white-label, powered by MineSec SDK. By end of 2022, thousands of merchants will be using SoftPOS powered by MineHades SDK and MineZeus KYD services. 

DL: Looking ahead, what service innovations are you implementing in the next 12 months? 

JLK: We are working with technology partners to integrate KYC/KYB services or other innovative payment acceptance solutions such as cryptocurrency. Our objective is to bring services to SMBs that will enable them to increase their revenues and flexibility in payment acceptance.  

DL: What key SMB industry trends do you see occurring over the next 2-3 years? 

JLK: While developing our business based on growth projections, it was also surprising to learn, from SMBs and partners in the market, that the focus of SMBs is to adapt very quickly to the uncertain future. If they have an opportunity to grow and scale up, they need a solution that allows them to catch that opportunity and do it very quickly. And if they need to scale down, they must be able to do it, again very quickly, without incurring liabilities and costs without any income.  When we were looking at the millions of commercial merchants in Asia, most of them hold very low inventories and expect their suppliers to be as flexible as them to answer the consumers’ demands. This will remain the trend of the economy in the next 2-3 years. MineSec, as well as our customers and stakeholders in the eco-system, should be designing solutions and services that can be as flexible. SMBs will benefit from having solutions that allow swift scale up and down – paying only as much as they use.  

I am convinced that this can only be done with a digital solution like MineSec SoftPOS solution. The new digital economy will be the web3.0 economy where buyers and sellers can interact instantly, securely, efficiently, and without any intermediary. 

DL – What key criteria or features should a SMB consider when evaluating payment service providers? 

As an SMB, they should be working with PSPs which provide flexible services that facilitates merchant digital onboarding and service activation.

MineSec Limited exhibited at Identity Week Asia 2022 while David Lunt moderated the panel ‘Panel: Securing online payments through robust ID’. Identity Week is a conference and exhibition that brought together the brightest minds in the identity sector to promote innovation, new thinking, and more effective identity solutions.  

Chain of Trust Pilot Completed

Chain of Trust Pilot Completed

Entrust is a Gold Sponsor at Identity Week America, from 4th to 5th October 2022. 

Entrust has announced the successful conclusion of their participation in the Chain of Trust (CoT) Pilot, a six-month pilot project led by the Canada Border Services Agency (CBSA). CoT was tested between September 2021 and March 2022 and facilitated the border clearance of a small group of Canadian volunteer flight crew participants at Toronto Pearson International Airport. The program was operated by the CBSA in collaboration with partners, including Entrust, Face4 Systems, Factor Safe, Air Canada and the Greater Toronto Airport Authority (GTAA).

To address increasing travel volumes while maintaining the safety and security of Canada’s border, the CBSA is exploring ways to provide self-service options for travellers and facilitate the free-flow of persons and goods through the international border clearance process.

The CoT pilot project tested the use of innovative technology solutions to assess the effectiveness of automating the collection and verification of traveler information and the authentication of travel documents while reducing physical touch-points in the border clearance process.

Launched amid pandemic-restricted travel in March 2021, the CoT Pilot was one of the world’s first use of the latest electronic passport technical standards. This technology delivered a high level of security at border crossings and interoperability with existing inspection systems to simplify and speed up passenger processing at busy travel hubs.

“The Chain of Trust Pilot was one of the first to offer a real-world look at the future of travel, one that allows border services to focus their attention on higher risk situations and exceptions, and simplifies entry for low-risk travellers,” said Gordon Wilson, Vice President, Identity Verification at Entrust. “Entrust is pleased to have had the opportunity to collaborate with the Government of Canada and all the partners in the Chain of Trust project. The project has proven its value and deepened our understanding of how digital transformation can evolve global travel.”

The innovative CoT Pilot allowed volunteer Air Canada flight crew participants to use a smartphone app to expedite re-entry into Canada at the Toronto Pearson International Airport.

The program used identity verification technology from Entrust to confirm a traveler’s identity by positively associating them with their uploaded credential. The system leveraged information voluntarily provided in advance of arrival to enable early and continuous risk assessment.

Individual participants used their personal mobile device to extract data electronically from their ePassport, create a digital profile, and store it within the secure storage on their device. These data elements were collected to facilitate identifying the individual and the authenticity of their ePassport. A selfie picture was taken and linked to that individual’s CoT app profile for future travel.

The traveler’s verified credentials were then submitted to CBSA prior to border crossing. Customs declaration submission and assessment for border clearance were all processed through an orchestration layer. The traveler was guided through each step via personalised notifications sent to their smartphone. Border Services Officers participating in the pilot had visibility into traveler’s arrival status and could process travellers through a mobile app upon arrival in a seamless, touchless manner.

The CoT ensures traveler privacy using Privacy by Design principles, and personally identifiable information (PII) is safeguarded through encryption during transmission to the government. No PII has been retained by any non-government project partner.

This collaborative initiative was made possible by the Canadian Safety and Security Program (CSSP). Led by Defence Research and Development Canada, in partnership with Public Safety Canada, the CSSP fosters innovative scientific and technological solutions to Canada’s public safety and security challenges.

The CBSA will take lessons learned from the CoT pilot project and use knowledge gained to advance its commitment to moderniee existing border management policies, programs and technologies to a more efficient, sustainable, and innovative future state.

iProov joins multi-country payments pilot for EU Digital ID Wallet

iProov joins multi-country payments pilot for EU Digital ID Wallet

Biometric technology provider, iProov has joined a network of multiple countries testing a cross-European payments system for the EU digital ID wallet.

The EU digital wallet is said to be a strong market contender to deliver a unified, interoperable digital identity system, which will allow citizens to securely save their identity documents and personal information in one app.

One strategy that the European Commission has implemented in building a multi-disciplined EU digital wallet has been to work with varied  technology providers to integrate not only citizens’ identity documents and driving licences but medical records and bank cards. Through the DIGITAL-programme, the EU Commission called for pilots across different functions of the app.

Six countries are members of the Consortium, founded by NOBID, including Denmark, Germany, Iceland, Italy, Latvia and Norway. The payments pilot will be built upon a foundation of existing payments infrastructures, allowing users to do account-to-account and instant transfers.

Founder and CEO of iProov, who presented at Identity Week Europe in June, commented: “iProov is delighted to have contributed as a core team member in this consortium, which comprises so many distinguished digital identity experts”.

“We are committed to its vision for an inclusive and secure way to help citizens make payments. The success of the EU Digital Identity Wallet will depend largely on citizen adoption and usage. iProov provides simple and secure remote enrollment and authentication, which will be crucial to this goal”.

iProov’s flagship products deliver Genuine Presence Assurance which is defined by authenticating user access requests in real time, combining biometric technology and coloured illumination. Meet them in-person at Identity Week America where they will be exhibiting as a Platinum Sponsor: https://www.terrapinn.com/exhibition/identity-week-america/index.stm

Speaker’s remarks on securing digital ID for reliable financial services

Speaker’s remarks on securing digital ID for reliable financial services

With Identity Week America only weeks away, how critical is achieving digital identity and who is discussing it?

Just recently, Acting Deputy Director of the Financial Crimes Enforcement Network, Jimmy Kirby, demonstrated the relevance of continuing to discuss how digital identity can be implemented across industry case studies.

Digital identity remains a critical benchmark to reach in order to secure reliable and secure financial services. In his speech at the Federal Identity Forum & Exposition, Kirby alluded to the challenges and important factors in implementing digital identity, including being aware of emerging threats, ensuring responsible innovation and expanding partnerships and feedback mechanisms to enable to provision of digital ID in Financial services.

FinCEN is a bureau of the U.S. Department of the Treasury with a mission to safeguard financial services and systems from fraudulent use and the threat of money laundering through through the collection, analysis, and circulation of financial intelligence and alliance with key financial authorities.

FinCEN is directly involved in helping financial institutions to identity their customers and combating fraud. Embodying the principles of the network in promoting innovation around digital identity, he emphasised important features of a digital identity framework to accelerate secure financial services.

Kirby noted that “evidence of digital identities must be dynamic and able to be updated frequently”, shared in forums to report on progress of use cases. Identity Week America, which will take place for U.S. identity stakeholders on the 4 and 5 October, will deliver just this – providing a fruitful forum to reassess digital identity solutions and their deployment.

“We also need to consider features related to source verification and interoperability” he added. Eventually, consumer data collected from identity verification will also be available to be stored cryptographically and accessed via token exchange.

In harmony with the topics discussed at identity Week America, he emphasised that developments in digital identity rely on protecting user privacy concerns while ensuring financial inclusion and the integrity of financial services built on a foundation of trust.

Secure your ticket for identity Week America, on 4-5 October: https://secure.terrapinn.com/V5/step1.aspx?E=10580

Apple Wallet IDs can now be used in third-party apps

Apple Wallet IDs can now be used in third-party apps

In the age of interoperability, Apple users can now share their digital identity documents stored in the wallet with third-party apps.

Digital identity is becoming more integrated in all our lives and converging with access to many everyday services. Moreover, a growing number of our most important assets such as our car, house, workplace and even hotel room keys can be now digitally and securely stored on Apple devices and shared via messaging apps, email and WhatsApp.

Permitting that third-party apps support Apple’s digital wallet, customers can opt to share requested identity information from a digital ID document in the wallet when shopping online or accessing online services. The update applies to Apple’s iOS 16 operating system.

Apple said: “Users can simply tap a button to seamlessly present their driver’s licence or state ID information in apps that require identity or age verification”.

The transfer of user data must be authorised using Face ID or Touch ID recognition. Apple supports state-issued digital IDs from participating U.S. states. Back in June, Apple CEO Tim Cook spoke during the Worldwide Developers Conference in Cupertino, California around the strong encryption credentials of the Wallet and new privacy protections to instil greater user confidence in adopting the Apple’s digital wallet.

It continues to work alongside the U.S. Transportation Security Administration to improve acceptance of digital IDs at airports.

Arizona was the first U.S. state to offer ID and driver’s license in the Apple wallet with Arizona and Maryland also following suit  to support Apple IDs in the wallet. The states of Colorado, Hawaii, Mississippi, Ohio, and the territory of Puerto Rico plan to collaborate with Apple on delivering the service to their residents.

EU cybersecurity certification levels could be misleading, says regulator

EU cybersecurity certification levels could be misleading, says regulator

GlobalPlatform, the standards organisation for digital services and devices, has released a whitepaper which highlights the “confusing” way which security levels are assigned to certifications carried out by national agencies as opposed to private certifications.

It indicates a disparity between certifications conducted by larger entities which were recognised as meeting the highest level of security, versus private certifications only being given a ‘substantial’ recommendation. As the whitepaper outlines, this suggests that a more secure procedure is followed by larger agencies to advise the security and safety of devices which could impact the user’s trust. GlobalPlatform states this confuses security robustness with assurance that all devices are secure.

The security categories are provided as part of the EU Cybersecurity Certification Scheme (EUCC) proposed by the European Union Agency for Cybersecurity aligned with  Cyber Security Act.

Olivier Van Nieuwenhuyze, Chair of the GlobalPlatform Security Task Force, explained the pitfalls of damaging trust: “Businesses and citizens need clarity and confidence to adopt technology” he said.

“If a device is certified as highly secure, that achievement should equate to the robustness of the device’s security and the functionality it can support. In differing from well-established security levels used in industry, the EUCC has introduced confusion and disturbed ecosystems founded on existing security schemes” he commented. 

While the standard for high levels of security within digital devices is implemented, it is undermined by the user’s damaged trust of a product and varying standards of security within the industry.

Moreover, the lack of standardisation across certifications is problematic due to damaging the credibility of established security certification schemes, such as those managed by GlobalPlatform and other reputable industry organisations. It places more importance on the entity that certified the products than the security and safety of the device.

Oliver also said that end users must be given the accurate information to make informed choices which affect buying. “For a time, only security experts will be able to understand the security robustness of a product” he says, which critically needs to be shared with the consumer and end-user and must meet their expectations, otherwise brands face being exposed and damaged.

The whitepaper calls for greater alignment between public and private certification schemes, and increased involvement from the industry, to ensure cybersecurity certification schemes meet the right requirements for standardisation and accuracy, and do not negatively impact the sales power of a product. 

Gil Bernabeu, Technical Director of GlobalPlatform, says: “The EU CSA, ENISA and the EUCC has a fundamental role to play in the future of cybersecurity on both the European and global stages. Alignment with existing cybersecurity initiatives and security levels will help the ecosystem demonstrate the capabilities of products, foster confidence and adoption, and provide greater end-to-end security, privacy, simplicity and convenience for everyone”. 

OpenWallet Foundation strives for interoperability of digital wallets

OpenWallet Foundation strives for interoperability of digital wallets

Digital wallets from big providers are emerging everywhere, from PayPal, the Apple Wallet and Google Wallet, to Venmo and Cash App. Payment cards have now taken a new form in e-wallets as well as ID, and even driver’s licences.

In the wake of progressive digital ID, we must ensure that different solutions available are interoperable to integrate with existing systems and be easily implemented. It is a sizeable challenge facing EU digital wallets taking on multiple bank networks.

The new initiative, built upon an open-source bedrock, is called The OpenWallet Foundation (OWF) founded by CEO of open banking startup Yes.com.

The European Mobile Payment Systems Association (EMPSA), which is comprised of 16 wallet providers, aims to maintain interoperability as the guiding principle which has long been instilled in the payments industry, to ensure compatibility between different systems.

The onset of cryptocurrency, tokenised money which is traded digitally, is also enhancing the commercial use of digital wallets which will soon have the infrastructure to support alternative currencies.

While the OpenWallet Foundation does not intend to create a new digital wallet or set standards around interoperability, the initiative is to forge a community which supports the future of integratable solutions and which currently includes Okta, Ping Identity, Accenture, CVS Health and OpenID Foundation.

There is no doubt about the benefit of digital wallets to support a growing number of digital assets on mobile devices that convenience people in making payments, accessing services and verifying their identities efficiently and effectively.

Poland’s Blik, an instant payment system that allows users to make transactions on their standard mobile banking app, recently appointed mobile transaction specialist VIAMO while it awaits approval from the regulator.

Moreover, last year Danske Bank in Denmark – which owns MobilePay – closed an agreement to merge its payment system with Norway’s Vipps and Finland’s Pivo mobile wallet.

Popular wallets such as Apple Pay or the Google Wallet, which aptly re-branded to just ‘Wallet’, use near-field communication (NFC) technology and offer a universally recognised mobile payment method that is accepted by most merchants.

Interoperability must also be the focal-point of the government’s digital transformation and provision of digital ID systems while it overlooks the legal frameworks that enterprises and solution providers must abide by.

IDnow joins Accelerate@IATA programme

IDnow joins Accelerate@IATA programme

An accelerator programme run by the International Air Transport Association (IATA) and Plug and Play has recently recruited IDnow, a KYC identity verification platform, to act as regulation advisors in the field of identity checks and digital identity verification.

Since its creation in 2019, the Accelerate@IATA programme has shifted its focus from nurturing start-ups in airline retailing to realigning with the recovery of the travel sector following the pandemic.

The start-up accelerator currently partners with several airlines including Copa Airlines, Korean Air, International Airlines Group, Japan Airlines, Singapore Airlines, Emirates Airlines, Royal Air Maroc, mainly within Asia’s air space. The extraordinary impact of the COVID-19 pandemic brought world and international travel to a virtual standstill and reportedly, a global loss of 75 million jobs and $2.1 trillion in revenue, according to the World Travel and Tourism Council.

It meant that Accelerate@IATA readjusted by exploring new technologies in digital health credentials, and start-ups looking for investment were also forced to adapt their solutions to meet the demand to increase passenger confidence and security more than normal by managing the virus.

IDnow works in the area of digitally verifying customers using video combined with e-signatures, which served as the first secure solution without relying on additional hardware. In May 2016, the EU obtained a patent for IDnow’s video identification process.

290 airlines belong to IATA, The International Air Transport Association, accounting for 83% of the total aviation ecosystem. The trade association’s main aims are to promote safety, security and sustainability in the air transport sector helping to inform policy and legal frameworks on critical issues.

As well as elevating IDnow to secure more funding and visibility, the startup is also collaborating with IATA One ID working group to increase the efficiency of biometric technology which is deployed by its partner airlines and introduced in airports. Moreover, the goal of organisations like IATA One ID is increasingly to set industry standards around ensuring a customer’s entire journey from when they arrive at check-in to boarding is seamless and digital, including personalising flight information using biometric systems.

IDNow joins the programme at a developing time for travel, with the provision of remote document checks, simple biometric recognition technologies, advanced data, improving the interoperability of different market solutions for multiple uses.

Announcing its participation in Accelerate@IATA, IDnow also acknowledged that it will work alongside members of IATA Think Tank, including airlines and technology providers, about the integration of digital identity across the consumer travel experience.

“We are very pleased to have IDnow participation in the heart of industry innovation conversations. IDnow brings their expertise on the secure decentralized digital identity to support the airline industry for the journey to customer-centricity.” – Kat R. Morse, Senior Manager Innovation, Partnerships and Events at IATA.

Michael A. Binner, Director of Digital Identity at IDnow said: “We understand that in the modern air travel industry, digital identities have a huge potential to shape a whole new traveler experience. From lowering the fraud risk for airlines, to creating a more seamless and low-touch experience for passengers and offering a GDPR compliant solution for storing and sharing of biometric pictures for airports and other players – Digital identity is the key. We are excited and proud to have been selected by IATA to work together and to partner with some of the most prestigious airlines of the world to shape the future of air travel”.

Digital identity is key to coping with surge in air travel

Digital identity is key to coping with surge in air travel

The International Air Transport Association’s One ID digital identity initiative will pave the way for seamless air travel from curb to gate and help airports cope with growing passenger traffic.

The surge in air passenger traffic, a shortage of airport manpower and Covid-19 travel requirements have increased processing time for air travellers over the past year.

Not only do travellers have to grapple with changing travel restrictions, they also have to verify their identities at multiple checkpoints, from the moment they arrive at the check-in counter to the time they go through security and board the plane at the gates.

Against this backdrop, providing a contactless and seamless travel experience is necessary for airports to cope with the growing demand for air travel in the aftermath of the pandemic, according to Vinoop Goel, Asia-Pacific regional director of airports and external relations for the International Air Transport Association (IATA).

“The process has to be paperless – we don’t want to come up with a digital process but then also require people to print documents,” Goel said. “Passengers need to own and control their data and the verifying parties should require only the minimum data.”

Those are some of the key principles behind IATA’s One ID, a digital identity initiative that will ease identity authentication and verification while allowing passengers to assert their identity online and in off-airport situations.

Speaking at Identity Week Asia 2022 in Singapore this week, Goel said IATA has established a One ID working group that brings together different stakeholders, including government agencies, immigration authorities, security agencies, technology providers, airlines and airports, to work out some recommendations and guidelines, which should be ready within a year.

Under the One ID framework, a traveller’s credentials, health certificates, visas and flight details will be sent in advance to relevant government agencies, which will then approve the passenger’s entry into a country based on that information.

“The passenger will also have to share his or her biometric information, such as facial images, so that receiving parties can authenticate and say this person who looks like this is approved to fly,” said Goel. “So, when passengers reach the airport, they are ready to fly and are able to pass all the checks without having to prove their identity again and again.”

Under the One ID framework, a traveller’s credentials, health certificates, visas and flight details will be sent in advance to relevant government agencies, which will then approve the passenger’s entry into a country based on that information.

While the One ID framework is being developed, some airports such as Singapore’s Changi Airport have already implemented immigration gantries to capture biometric data, but still require physical scans of passports. At some US airports, inbound trusted travellers can identify themselves through facial recognition at designated kiosks without having to scan their passports.

Goel stressed that for One ID to take off, governments will need to follow the same framework so that travellers are able to leave and enter a country using their digital identities. “What we don’t want is the world to be so fragmented that every country is implementing something digital, but they are not able to interoperate with each other.

“That would be a disaster for a travel – your digital identity might work for domestic processes like opening a bank account, but imagine if you’re not able to transfer money overseas. That’s the problem that we’re trying to avoid,” he said.

With global air travel expected to return to pre-pandemic levels by 2024, Goel said there was no way the aviation industry could support that growth with current paper processes.

“You can’t keep building more and more check-in counters at airports,” he said. “There isn’t enough space, you will have massive congestion and you don’t want to take the joy out of travel. The only way to enable this growth is through a contactless process, and that starts with developing the right standards and foundations of digital identity, admissibility and a contactless processing.”

GDS secures new digital identity contracts

GDS secures new digital identity contracts

Two new contracts have been secured by Experian to deliver digital ID software as part of its Digital Identity Programme worth a total spend of £11m. Reportedly, the programme spent £33 million in issued contracts this year. Experian has been appointed as the contractor covering services for identity fraud detection, in a deal worth £9.1 million, and email and phone validation.

Although few details surrounding the contracts have been made public, the deal is confirmed to be for 2 years with the option to extend for another year. They were closed on 16 March and commenced on 21 July 2022.

Moreover, contracts were awarded to iProov and Deloitte in July and February, which created a momentum in advancing digital services within national government, which the government oversees across multiple sectors and enterprises. As such, the government in general has been advancing its use of digital identity for both the private sector, for example implementing digital verification for its Right to Work and Buy schemes, and for Government services.

In the development of a mobile app to verify digital users of government services, iProov is integrating its biometrics technology and genuine document authentication software, while Deloitte has provided professional services in a £4.8 million contract.

Deloitte is now working on the government-wide verification system, called One Login, for citizen services which has achieved many breakthroughs already, including delivering “an initial version of [the web] browser-based route” which is built upon a “passport check and knowledge-based verification” system.

One Login will allow users with Android and Apple devices to verify who they are by scanning biometric document, for example a passport or driving licence, and will eventually replace verification systems like Government Gateway.

Across other areas of Government, Companies House will introduce a digital identity system to approve people who are looking to set up and register a new business in the UK. A vendor to supply the identity system is yet to be decided.

In a corporate plan outlining how digital ID promises to strengthen the verification process, Louise Smyth, Chief Executive and Registrar of Companies, wrote that to confirm the credibility of registered businesses and accurate information is published, anyone “setting up, running, owning or controlling a company in the UK will need to verify their identity with Companies House to provide assurance that they are who they claim to be”.

IDW America: Levelling-up the identity ecosystem

IDW America: Levelling-up the identity ecosystem

Identity Week America, a complementary sister event to Identity Week Asia and Europe, will return to Washington D.C. from 4-5 October, bringing together an abundance of government representatives, enterprises and partners.

It is really shaping up to be a multi-disciplined event, looking at tech change driving secure and seamless identity experiences for the end-user and enterprise across the fastest-moving sectors in identity, such as travel, finance and banking, media, healthcare, government and the public sector. 

This major stakeholders’ event for the U.S. identity industry is a perfect opportunity to meet face to face with 1500+ of the biggest disruptors in identity.

Our fantastic exhibition is already fully booked up with hundreds of innovative and new identity solutions that will be accelerated to market thanks to the collaborative environment that Identity Week America fosters.  

The conference encompasses our Start-Up Village which serves as a critical meeting place for identity tech start-ups at an early stage of funding to meet potential investors and partners and showcase their solutions.

This time around Identity Week will be levelling up the identity ecosystem across the U.S. and assessing the latest developments to achieving a digital economy with electronic ID, as well as enhancing physical security documents. Forge new digital identity contracts;  launch integratable solutions to meet market demand. Born out of the demand for interoperability, integration, data-sharing, practise a new way of thinking to launch your product and compete with the visionaries that already operate in the market.

New personal and public security problems are surfacing all of time – book your ticket to Identity Week America this October to understand the developing threats facing America, such as fraud, identity theft and national security, and which solutions are needed to counter adversity.

The 2-day international IDW conference is a premium feature in the calendar for serious innovators, disruptors, and visionaries of Identity driven to increase the number of use cases and scenarios where secure identity is leveraged.

FacePhi and Namutek partner to launch Visa and Mastercard-backed revolution

FacePhi and Namutek partner to launch Visa and Mastercard-backed revolution

FacePhi, a leader in digital user identity verification specialising in digital onboarding and biometric authentication solutions, has sealed a commercial agreement with Namutek to offer a new, safer onboarding process on its Kash mobile app. 

Kash is the first Visa and MasterCard-backed mobile app (P2P or peer-to-peer) in the Central American region to offer real-time money transfers between people and credit or debit cards that are completely free of charge. Adopting FacePhi technology marks a new era in onboarding new users to Kash as it improves the user experience and reduces Namutek’s client identity validation costs. 

Leveraging the FacePhi technology, Kash has elevated its security measures around high value transactions. The process is easy. They simply have to take a picture of the front and back of their identity documents, which will be subject to extensive security validation. They will then have to take a selfie which will be used for user facial recognition. The combination of these two steps verifies users’ identity, meaning Kash can be sure no identity theft has taken place. 

These types of secure transfers provided by Kash are already available in Costa Rica, Honduras, Guatemala, El Salvador, and Panama. Furthermore, the app is compatible with iOS, Android, and Huawei HarmonyOS and already has more than 500,000 downloads.  

“At Kash, we are constantly on the lookout for ways to improve our onboarding processes to give our users the best experience. This has led us to incorporate services from FacePhi which has the necessary fintech experience to make one of our security layers that users must complete stronger and more efficient. Since adopting these services, we have reduced manual validations by 30% and hope to continue increasing the number of automatic approvals”, explains Rey Barahona, Fintech director at Namutek. 

In addition to identity verification, Namutek users can now call upon a fraud prevention team, behaviour monitoring, and a 24/7 support team to protect user information and respond to any questions. 

“FacePhi and Namutek’s integration on the Kash mobile app is a clear example that our technology can be used to help companies in all sectors identify their clients and provide them with the highest level of security in all their digital interactions”, notes Jorge Sanz, FacePhi CRO.