Retail Industry

Impact of Identity Management

Presented by Dr. Ali M. Al-Khouri

Middle East Retail Forum: Reinventing r...
Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concludi...
Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concludi...
Introduction
• World is metamorphosing!
• New economies.. All industries impacted..
• Retail industry is in the throes
of ...
The Retail and Marketing Transformation
• Immense impact
of digitalisation

Marketing

• Human paradox:
more time with
own...
Where are my Customers?
The Market Place is Crowded

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights res...
Where are my Customers?
The Market Place is Crowded

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights res...
The Retail and Marketing Transformation
The nature of technological developments is disruptive

Retailing

www.emiratesid....
Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concludi...
Who are my Customers ?
Potentially the entire 7.1 Billion population on the
earth constitute the customer base.

Studies: ...
Who are my Customers ?

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights reserved
Identify my Customer ?
Big Data technologies:

The next frontier for innovation,
competition, and productivity, but?

www....
DNA of Your Customer Experience?
Attracting and Retaining Customers

Colin Shaw
customers are driven by a set of emotional...
Hierarchy of Emotional Values
Pyramid of 4 clusters.. Relationship building

Source: Colin Shaw: The DNA of Customer Exper...
Hierarchy of Emotional Values
Pyramid of 4 clusters.. Relationship building

Retailers
need to
know the
customer
more
clos...
Do you know your Customer ?
Boston Retail Partners Survey 2012

32%

North
American
retailers
remain
unable to
identify
th...
Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concludi...
Risks of Identity Theft
Identity fraud rises for 2nd consecutive year
- Overall identity fraud incidence rate and total fr...
Data Breach
Multifaceted Threat to Retailers ..
Increase in Fraud rate among data breach victims
outpaces increase in over...
Tablet ad Smart Devices Security
Most susceptible to fraud
Tablet Owners more than 80% more likely than all other
consumer...
Chip-N-Pin and Remote Payment Fraud
a crime on the rise in 2013
% of fraudulent transactions attributable to channels amon...
Merchants Community
General acceptability of fraud, and little done to mitigate it!
Attitudes toward fraud by large e-Comm...
Challenges in containing POS and Remote Fraud?
Need of fast Checkout at Retail ..
Top challenges in controlling internatio...
Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concludi...
UAE National ID for Verification of Customer ID

The need for a
mechanism to
ascertain the
identity

www.emiratesid.ae

© ...
UAE Identity Management Infrastructure
Advanced Authentication Capabilities

On-Site and Remote secure
and trusted transac...
UAE Identity Management Infrastructure
Advanced Authentication Capabilities

match-on-card and match-off-card features
& i...
UAE eTrust Centre: Validation Services

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights reserved
Online Validation

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights reserved
What does this translate into?

National Validation Gateway ensures that not only are Identification
processes made seamle...
Identity Management Infrastructure
Potential Benefits to UAE Economy

www.emiratesid.ae

© 2013 Emirates Identity Authorit...
Supporting Mobility Smart Devices Usage
The upcoming features of the UAE ID Card

www.emiratesid.ae

© 2013 Emirates Ident...
Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concludi...
Need to Change the

Mental Map of how
Business should be
Performed!

www.emiratesid.ae

© 2013 Emirates Identity Authority...
Dimensions of eBusiness Performance

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights reserved
Dimensions of eBusiness Performance

www.emiratesid.ae

© 2013 Emirates Identity Authority. All rights reserved
Digital Economy: Critical Considerations
To capitalise on the growing digital economy,
we need to consider:

www.emiratesi...
Conclusion
Identity Management is main vehicle for building sustainable economies

www.emiratesid.ae

© 2013 Emirates Iden...
UAE Validation Gateway: Your opportunity to explore
http://vg.emiratesid.ae

www.emiratesid.ae

© 2013 Emirates Identity A...
Read our recent research from:
http://www.emiratesid.gov.ae/ar/media-center/publications.aspx

Thank you
Dr. Ali M. Al-Kho...
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The Impact of Modern Identity Management Systems on Retail Industry

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Published on

Presented at: Middle East Retail Forum: Reinventing Retail Growth in the Middle East.
28 – 29 October 2013 | JW Marriot Marquis Hotel | Dubai | UAE.

Published in: Business, News & Politics

The Impact of Modern Identity Management Systems on Retail Industry

  1. 1. Retail Industry Impact of Identity Management Presented by Dr. Ali M. Al-Khouri Middle East Retail Forum: Reinventing retail growth in the Middle East 28 – 29 October 2013 | JW Marriot Marquis Hotel | Dubai | UAE. Partners in Building UAE’s Security & Economy www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved Our Vision: Provide an integrated and advanced personal identity management system that contribute to the transformation of the government and the economy and promotes security and global competitiveness of the UAE.
  2. 2. Agenda • Introduction • Changing Face of Retailing • Identity Theft • Modern Identity Management Infrastructure • Concluding Remarks www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  3. 3. Agenda • Introduction • Changing Face of Retailing • Identity Theft • Modern Identity Management Infrastructure • Concluding Remarks www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  4. 4. Introduction • World is metamorphosing! • New economies.. All industries impacted.. • Retail industry is in the throes of out growing the conventional merchandising .. • Paradigm shift in consumer behavior from an analogue to digital has not only affected the mode of sale, but also the marketing modes, and all dimensions around it.. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  5. 5. The Retail and Marketing Transformation • Immense impact of digitalisation Marketing • Human paradox: more time with own selves. • Internet and Mobility: reclusive while being omnipresent on social networks. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  6. 6. Where are my Customers? The Market Place is Crowded www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  7. 7. Where are my Customers? The Market Place is Crowded www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  8. 8. The Retail and Marketing Transformation The nature of technological developments is disruptive Retailing www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  9. 9. Agenda • Introduction • Changing Face of Retailing • Identity Theft • Modern Identity Management Infrastructure • Concluding Remarks www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  10. 10. Who are my Customers ? Potentially the entire 7.1 Billion population on the earth constitute the customer base. Studies: more retailers are going global to capture a larger share of the $1.4 trillion e-commerce market. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  11. 11. Who are my Customers ? www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  12. 12. Identify my Customer ? Big Data technologies: The next frontier for innovation, competition, and productivity, but? www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  13. 13. DNA of Your Customer Experience? Attracting and Retaining Customers Colin Shaw customers are driven by a set of emotional values.. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  14. 14. Hierarchy of Emotional Values Pyramid of 4 clusters.. Relationship building Source: Colin Shaw: The DNA of Customer Experience: How Emotions Drive Value www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  15. 15. Hierarchy of Emotional Values Pyramid of 4 clusters.. Relationship building Retailers need to know the customer more closely and more personally Source: Colin Shaw: The DNA of Customer Experience: How Emotions Drive Value www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  16. 16. Do you know your Customer ? Boston Retail Partners Survey 2012 32% North American retailers remain unable to identify their customers www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  17. 17. Agenda • Introduction • Changing Face of Retailing • Identity Theft • Modern Identity Management Infrastructure • Concluding Remarks www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  18. 18. Risks of Identity Theft Identity fraud rises for 2nd consecutive year - Overall identity fraud incidence rate and total fraud amount by year not knowing customers enough is fraught with risks and prone to frauds www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  19. 19. Data Breach Multifaceted Threat to Retailers .. Increase in Fraud rate among data breach victims outpaces increase in overall fraud rate with 1 in 4 data breach victims suffering identity fraud in 2012. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  20. 20. Tablet ad Smart Devices Security Most susceptible to fraud Tablet Owners more than 80% more likely than all other consumers to become fraud victims - Fraud incidence by ownership of Tech Products www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  21. 21. Chip-N-Pin and Remote Payment Fraud a crime on the rise in 2013 % of fraudulent transactions attributable to channels among merchants accepting specific channels authentication at the POS will help merchants avoid the chargebacks and fees to financial institutions www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  22. 22. Merchants Community General acceptability of fraud, and little done to mitigate it! Attitudes toward fraud by large e-Commerce, and Merchants Inevitablity acceptance: input to defining risk appetite Loss of opportunity: largest sector to loose heavily: small and medium establishments www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  23. 23. Challenges in containing POS and Remote Fraud? Need of fast Checkout at Retail .. Top challenges in controlling international fraud in 2012 & 2013 www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  24. 24. Agenda • Introduction • Changing Face of Retailing • Identity Theft • Modern Identity Management Infrastructure • Concluding Remarks www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  25. 25. UAE National ID for Verification of Customer ID The need for a mechanism to ascertain the identity www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  26. 26. UAE Identity Management Infrastructure Advanced Authentication Capabilities On-Site and Remote secure and trusted transactions. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  27. 27. UAE Identity Management Infrastructure Advanced Authentication Capabilities match-on-card and match-off-card features & it facilitates Validation, Verification and Authentication of an Identity. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  28. 28. UAE eTrust Centre: Validation Services www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  29. 29. Online Validation www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  30. 30. What does this translate into? National Validation Gateway ensures that not only are Identification processes made seamless, enhancing service delivery, but also vastly improve business processes leading to strong bottom lines. www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  31. 31. Identity Management Infrastructure Potential Benefits to UAE Economy www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  32. 32. Supporting Mobility Smart Devices Usage The upcoming features of the UAE ID Card www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  33. 33. Agenda • Introduction • Changing Face of Retailing • Identity Theft • Modern Identity Management Infrastructure • Concluding Remarks www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  34. 34. Need to Change the Mental Map of how Business should be Performed! www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  35. 35. Dimensions of eBusiness Performance www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  36. 36. Dimensions of eBusiness Performance www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  37. 37. Digital Economy: Critical Considerations To capitalise on the growing digital economy, we need to consider: www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  38. 38. Conclusion Identity Management is main vehicle for building sustainable economies www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  39. 39. UAE Validation Gateway: Your opportunity to explore http://vg.emiratesid.ae www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
  40. 40. Read our recent research from: http://www.emiratesid.gov.ae/ar/media-center/publications.aspx Thank you Dr. Ali M. Al-Khouri Director General | Emirates Identity Authority | UAE www.emiratesid.ae | ali.alkhouri@emiratesid.ae | @DrAliAlKhouri www.emiratesid.ae © 2013 Emirates Identity Authority. All rights reserved
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