‗Kick-Starting‘ Application Services    Effective Digitisation    Jon Shamah                                           Nor...
Nets in brief    •   Owned by Norwegian and Danish Banking Systems    •   More than 2,100 skilled staff    •   More than D...
Case Study 1 - NemID Scheme    • Successful Private / Public Partnership    • 3.5 million users    • 400 million annual eI...
Case Study 2 - BankID Scheme    •   E-ID-scheme securing all e-banking        and e-payments    •   3.5 million users,    ...
Digitisation – not an National Identity Card5
Digitisation Guidelines    • Do not be afraid of financial applications to build familiarity.       • Financial applicatio...
Example: Social Service Tickets/Vouchers    •       Service Ticket/Voucher              • valid and redeemable for a parti...
Example: Safety Compliance      •    Service consisting of a signing and workflow service is used in conjunction          ...
Example: Digitisation of Bank Loan Application       •   Service consisting of a signing and workflow service is used in c...
Increasing the Numbers of Cheaper Applications     • There has been a revolution in the development and deployment of iden...
Example: eID mini-Apps     • Health & Safety compliance process for SMEs        – Signed, countersigned and archived     •...
KEY TRANSACTION - ARCHIVING12
eArchiving and Trust     • Major concern of SMEs is long term storage of digital       transactions for compliance with re...
CONCLUSIONS14
Conclusions     • All the tools are available     • We just need the confidence !15
Jon Shamah     Thank You         Email: jshamah@ejconsultants.co.uk                               UK Mobile: +44 7813-1112...
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Moldova kick starting effective digitisation v104 shamah

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Moldova kick starting effective digitisation v104 shamah

  1. 1. ‗Kick-Starting‘ Application Services Effective Digitisation Jon Shamah Northern Europe‘s leading Payments and Identity Services Provider1 V1.04
  2. 2. Nets in brief • Owned by Norwegian and Danish Banking Systems • More than 2,100 skilled staff • More than DKK 5.2 billion (€700 million) in revenues • Nets‘ network connects more than 260 banks and 10 data centres primarily in the Nordic region • 17 million cards on Nets‘ platforms • Payment services to most households in NO and DK • Issued more than 6 million electronic identities • Processes 1 billion E-ID transactions annually • Services more than 300,000 merchants • More than 425,000 terminals interact with Nets • More than 230,000 terminals are sold/leased from Nets • 140,000 creditors use our services along with 5,000 public sector customers 22
  3. 3. Case Study 1 - NemID Scheme • Successful Private / Public Partnership • 3.5 million users • 400 million annual eID transactions • Centrally Stored Electronic Identities • Accepted by eGovernment, Private Sector and Banks • Trusted ID-Signature Infrastructure in Denmark • Winner of IBM‘s Year 2011 Smart Planet Award Securing Danish Banks, Public Sector, SMEs and Enterprises 33
  4. 4. Case Study 2 - BankID Scheme • E-ID-scheme securing all e-banking and e-payments • 3.5 million users, • 360 million annual eID transactions • Multi-Channel Infrastructure • Implemented for mobile commerce and bank employees and used for many e-government services • Winner of 2006 EEMA Excellence Award in Europe Securing Norwegian eID Bank Services 44
  5. 5. Digitisation – not an National Identity Card5
  6. 6. Digitisation Guidelines • Do not be afraid of financial applications to build familiarity. • Financial applications are the easiest to build business cases for • Norway/Denmark have over 1.5 million eID transactions every day (from a combined 7m+ users) of which the majority are authenticating routine financial transactions. • Make it easy and cheaper to develop large applications • Re-use components and managed/cloud-based services if possible. This reduces time-to-market and assists in reducing capital expenditure. • In 2011, Nets managed service applications facilitated the signing of over 500,000 digital signatures on PDF documents • Be bold! Have digital application delivery channels only and outsource interim non-digital obligations to ‗Assisted Services‘ from 3rd parties – it still will work out cost effective. • Small Applications: use an app-shop concept for many low cost mini-apps able to share key components. Encourage creativity with tax concessions and incentives6
  7. 7. Example: Social Service Tickets/Vouchers • Service Ticket/Voucher • valid and redeemable for a particular approved social service or item with approved suppliers and is not linked to a specific monetary value. • virtual and is signed by participants in process as each stage • Signatures needed are: • Issuer • Recipient • Authorised Merchant • Payment Authority • Ticket can be provided by email or postal services with barcode to present to the merchant. In the event of there being no digital identity available, • Every stage of the process is signed on a central server and cannot be changed7
  8. 8. Example: Safety Compliance • Service consisting of a signing and workflow service is used in conjunction with eIDs for Safety Assessment of a Public Venue. Risk Evacuation Security Equip Performance Assessment Procedures Procedures Health & Safety Manager x x x x ‘House’ Manager x x ‘Facilities’ Manager x General Manager x • This process will need to be completed for each event and many will need to be signed in a specific order, collated and filed both on site and externally. • Digital completion, non-repudiation of documentation and archiving, coupled with a flexible alert and warning system can ensure that tasks are completed on time and documentation is filed and archived according to regulations. • Real experience has shown that timely completion of documentation against hard deadlines is challenging, and can lead to fines and closures.8
  9. 9. Example: Digitisation of Bank Loan Application • Service consisting of a signing and workflow service is used in conjunction with eIDs to digitally process bank loan application Application Guarantee Contract Terms & Conditions Applicant X x x Advisor X x x Manager X x x Guarantor x x x • Traditionally in this process can take over one month in time to complete and require over 70 sheets of paper. • Real examples have shown savings in excess of €70 per application and each bank may process many thousands of applications per week. • For the case of 10,000 applications per month, the saving to a bank is worth approximately €8m+ per year.9
  10. 10. Increasing the Numbers of Cheaper Applications • There has been a revolution in the development and deployment of identity and location based applications in the last number of years. • July 7, 2011— ―Apple® today announced that over 15 billion apps have been downloaded from its App Store‖ • There is no reason why a cloud-based eID ‗App Store‘ should not equally XXXXXX be successful. – Google Apps is going in right direction! • Trust / liability / SLAs could be dealt with through a ‗Shrink-Wrap‘ licence • Could work in conjunction with attribute service provider • Business Model could be per click or periodically • Encouragement of creativity through tax concessions and incentives10
  11. 11. Example: eID mini-Apps • Health & Safety compliance process for SMEs – Signed, countersigned and archived • Short term entry authentication for public facilities – removes need to leave ID card at swimming pool entrance – proof of commune residence • Acceptance of courier delivery • Automated authenticated attendance11
  12. 12. KEY TRANSACTION - ARCHIVING12
  13. 13. eArchiving and Trust • Major concern of SMEs is long term storage of digital transactions for compliance with regulations. • Availability • Traceability • Readability • Understanding • Accountability • Security13
  14. 14. CONCLUSIONS14
  15. 15. Conclusions • All the tools are available • We just need the confidence !15
  16. 16. Jon Shamah Thank You Email: jshamah@ejconsultants.co.uk UK Mobile: +44 7813-111290 Any questions ? NETS http://www.nets.eu16

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