Practical steps needed to accelerate the UK digital identity ecosystem

In February, the Department for Digital, Culture, Media and Sports (DCMS) released its first “alpha” version. Digital Identity Trust Framework, And key players in this sector had the opportunity to review and provide feedback on the first draft document.

The framework (a set of standards, rules, and best practices) aims to clarify development. Digital ID scheme ecosystem It can be used in the private and public sectors and was provided in response to the 2019 Evidence Request.

These recent developments by the government, in addition to market movements and changing consumer demand, show a growing focus on the need for digital identity solutions in the UK. The creation of this framework is welcomed as a positive step towards establishing a digital identification system that can be fully trusted, mass adopted and benefit the general public, regardless of specific shortcomings. Should be. Of course, we also welcome government approval for digital IDs.

Public-private partnership

However, successful public-private partnerships are essential to ensuring the success of digital IDs.McKinsey reports it Digital IDs could unleash economic value equivalent to 3% of UK GDPSuccessful partnerships between sectors are key to rapidly deploying UK solutions and stimulating economic recovery.

The early government alpha framework will inevitably benefit from continued development and improvement in line with feedback from key private sector stakeholders operating in the digital identity space. Indeed, you can make certain adjustments and additions to the framework to ensure that it supports the creation of scalable solutions that maximize the benefits of all UK citizens.

Existing standard

One such addition that can be gained from private sector sector is the utilization of existing private sector standards and infrastructure. Anti-money laundering (AML) and open banking – To minimize the cost of implementation.

There is no need to create a new ID. The existing ID is already established at the bank and can be reused.

Martin Wilson, Digital Identity Net

You have the opportunity to build existing features and existing trusted data repositories to accelerate deployment and reduce time to mass utilization and adoption of digital identities. This maximizes the benefits to the UK.

There is no need to create a new ID. Existing identities authenticated against the AML standard are already established at the bank and can be reused. In addition, such a system will cover almost all markets from day one, making 97% of the UK’s adult population readily accessible from their bank accounts.

The UK is already lagging behind many other countries in the field of identity. With world-leading open banking capabilities, you also have the opportunity to take the lead in your identity.

Social inclusion

A good digital identity system not only unleashes economic growth, but also has the potential to drive increased inclusion and improve access to goods and services for everyone. If broad adoption and interoperability drive policy development, this inclusion must and can be achieved by UK digital identities.

Today’s digital exclusion is not just a lack of reliable online access, but the digital shift creates new challenges for individuals to prove their identities online. This affects access to finance, health and other important services. Just last year, a major issue included the inability of citizens to access Universal Credit or the Covid-19 Home Test Kit due to identification failure.

use Open banking API Building a digital identity system presents a fast, low-cost route and enables widespread adoption and inclusion through its wide availability. Many British citizens already have a formal ID card, but they cannot use it effectively in the digital world. Allowing them to do so unleashes value by achieving increased inclusion and formalization, which helps reduce fraud and increase transparency.

A particular case that demonstrates such value is access to healthcare. During the pandemic, some online or order-to-home services required patients to identify themselves through credit bureaus that used electoral rolls to identify individuals.

In many cases, for safety or privacy purposes, unregistered people could not be properly verified and were denied medical services. This has a disproportionate impact on the more vulnerable members of society. Established processes, such as securely transferring personal data from open banking APIs, reduce the risk of exclusion from critical services due to issues with the digital identity process. Accessing government datasets also gives you more options for servicing users who have “thin files” in their financial services datasets.

Open standard

Finally, future coordination of work and standards between the public and private sectors must be well established to enable the development of better digital identity services in both sectors. Better collaboration between the two will drive the adoption and success of digital identities in the UK and reduce time to results.

Changes in the provision of identity services in the public sector itself allow for competitive “buy-to-build” decisions by aligning its standards with the private sector, minimizing taxpayer costs. , Should also be considered to speed up delivery.

The release of this Alpha Trust framework sparked debate about the future of digital ID in the UK and provided a starting point for improving collaboration in the industry. The next iteration of the framework will be released in the summer of 2021 and we look forward to continued opportunities to contribute to the development of our UK journey with digital identity systems.

Martin Wilson is CEO Digital identity net..

Practical steps needed to accelerate the UK digital identity ecosystem

Source link Practical steps needed to accelerate the UK digital identity ecosystem

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