SlideShare a Scribd company logo
1 of 112
Download to read offline
The Future of Digital Identity – PROGRAMME SUMMARY
Insights From Multiple Expert Discussions Around The World
19 March 2019
CONTENTS
03 Regional Comparison
04 Emerging Questions
01 Programme overview
02 Themes and Insights
Communicating Identity
Empowering the Individual
System Design
Ecosystem Development
Social Identities
Unintended Consequences
01 PROGRAMME OVERVIEW
Future of Digital Identity - Programme Overview
This is an emerging view of the Future of Digital Identity - based on
multiple views collected during a 2018 Open Foresight programme
made possible by the generous sponsorship of Mastercard.
3 | Analysis and synthesis
• Identification of cross-
cutting themes and areas
of greatest impact over
the next ten years
2 | Exploration and iteration
• Expert workshops
• Regional perspectives
• Addition of new insights
through collaborative dialogue
1 | initial perspective
• Synthesis of existing Future
Agenda insights
• Interviews and desk research
• Meaningful baseline for
discussion
Emerging view
of the next ten
years
01
02
03
Workshops in 5 Countries Across 4 Continents
The programme has accessed more than 140 informed experts with
discussion focused on the key shifts and drivers most likely to have
an impact on the Future of Digital Identity, over the next decade.
San Francisco
London
Singapore
Sydney
Brussels
Corporates
Technology
Firms
Government
Regulators,
NGOs
Academia,
Research,
Consulting
Start-Ups
Influencers &
Associations
Diverse, Informed Expert Perspective
This Open Foresight programme has brought together under the
Chatham House Rule, a wide range of participants with varied perspectives
to help build a richer view of implications, risks and opportunities.
Project Summary
Key insights from each of our five workshop locations.
Percentage of population without any ID:
Source: World Bank 2018 http://id4d.worldbank.org;
The report and data presents economy-level aggregates on the share and number of the population without a
foundational/national ID, based on surveys covering over 100,000 people in 99 economies—representing 74
percent of the world’s population.
>50% 20-50% 2-20% 0-2%
Future of Digital Identity (2018/19)
Locations and Key Insights
Singapore 30 OCT 2018
Top Insights*
• Setting the Standards
• Enhanced Cyber-Security
• Robust Authentication Equals Trust
• Convenience Rules
• The Case for Digital Inclusion
Sydney 02 NOV 2018
Top Insights*
• Management of Digital ID Rights
• Super-Surveillance
• Digital ID Accountability
• The Big Fake
• The Case for Digital Inclusion
San Francisco 13 NOV 2018
Top Insights*
• Null Attributes
• Me, Myself and I
• Verified But Incognito
• Super-Surveillance
• Digital ID Accountability
London 15 OCT 2018
Top Insights*
• Personalised Controlled Exchanges
• Stateless Netizens
• The Big Fake
• Convenience Rules
• The Case For Digital Inclusion
Brussels 27 NOV 2018
Top Insights*
• Social Scoring
• Ethics By Design
• Influence of Scale
• Personalised Controlled Exchanges
• The Case for Digital Inclusion
% of Total Transactions That Were
Recognised As Identity Spoofing
REGION TOTAL
Africa 16.5%
Asia 12.8%
Europe 7.6%
Australia 6.8%
South America 6.3%
North America 5.6%
Source: Threat Matrix Cybercrime Report - Q2 2018
*Top 5 insights according to their relative impact on Digital ID over the next decade
02 THEMES AND INSIGHTS
Thematic Lens
Many of the insights generated have significant areas of overlap, both practical
and theoretical. Their implications for DI stakeholders, and the ‘DI story’,
become clearer when a cross-cutting thematic lens is applied.
Communicating Identity
Empowering the individual
System design
Unintended consequences
Re-assessing
self
sovereignty
Digital rights &
consent
The inclusion
illusion
System
vulnerabilities
Identity victims
Building blocks
still matter
Growing
standards
Ethics by
design
Multiple
bets
Ecosystem
development
Social
identities
Power and
influence
Its social
not
technical
Digital life
stages
Communicating Identity
COMMUNICATING IDENTITY
Communicating Identity
Digital Identity is a nebulous term that covers multiple technologies and
digital and social interactions and transactions. Clarity around purpose,
language, need, value and application is needed.
• Digital Identity Literacy
• Attributes Not Digital ID
• Data IP Attribution
• Proxy Digital IDs
• Data Provenance
• Secure Access Without Disclosure
• Cost Reduction
• Convenience Rules
• Value Not Identity
Digital Identity Literacy
A wholesale move toward Digital ID will require it’s own programme of
education to teach people how to maintain and keep safe their Digital ID.
Attributes not Digital ID
Users give permission for a third party to access the appropriate attribute
mix required to complete a given exchange. ID may/may not feature.
Data IP Attribution
Digital IDs enable the tracing of contribution of individual ‘chunks’ of data
to data-driven services, allowing for all contributors to be recompensed.
Proxy Digital IDs
As the pool of Personally Identifiable Information continues to grow, the
need for Digital Identity reduces. Algorithms win the race for identity.
Data Provenance
Digital ID enables provenance of all ‘owned data’ including data provided
by, say, passive sensors in cars, much of which may not be personal at all.
Secure Access without Disclosure
Driven by increased consumer awareness of continuing misuse,
transacting while giving minimal (or no) information gains momentum.
Cost Reduction
Digital ID enables service providers to reduce their transaction costs and
accelerate the pace of innovation, both for them and for wider society.
Convenience Rules
Continuing consumer appetite for convenience drives development of Digital
ID, especially as many processes requiring formal ID feel so old-fashioned today.
Value, not Identity
Consumers are only motivated to adopt Digital Identity through compelling
use cases that deliver tangible value to them (e.g. time or cost saving).
EMPOWERING THE INDIVIDUAL
Empowering the Individual
This theme contains three sub sections: Re-assessing Self-Sovereignty,
Digital Rights and Consent Management and The Inclusion Illusion.
Re-Assessing Self-Sovereignty
The data-driven world has already led to a loss of individual agency.
The advent of AI may accelerate this trend. Digital Identity could
help us to re-assert our sovereignty and agency in a data-driven world.
• Me, Myself and I
• Erosion of Agency
• Personalised Controlled Exchanges
• Self-Sovereign ID
• Personal Gatekeeping
• Balanced Proof of Identification
• Zero-Knowledge Proofs
• Verified but Incognito
Me, Myself and I
Digital ID users maintain deliberately separated identities and attribute
stores. Providers offer context-based, Digital-ID-as-a-service solutions.
Erosion of Agency
Consumer comfort in outsourcing agency to ‘things’ drives a rich market
of data driven technology deciding for us. Erosion of human agency results.
Personalised, Controlled Exchanges
Digital ID gives people greater control over access to their personal data,
and encourages transparency of service-providers in onward use.
Self-sovereign ID
Calls for self-sovereign digital ID - or the ‘controlled sharing’ principles
on which it is based - are likely to increase, as are attempts to build it.
Personal Gatekeeping
Consent management systems and platforms emerge to help individuals
more easily ‘trust in an otherwise trustless system (of machines)’.
Balanced Proof of Identification
Digital users become more demanding about ensuring they ‘get as well as they
give’ with regard to verification of those whom they choose to engage.
Zero Knowledge Proofs
Future Digital Identities will include attributes that are harder to mimic or steal.
Authentication will occur without data exchange, limiting the data at risk.
Verified but Incognito
For more private contexts and use-cases, properly authenticated, but wholly
anonymous identities are deployed within the Digital ID eco-system.
Digital Rights and Consent Management
Digital Identity rights could become fundamental human rights.
DI implementations could also become the means by
which we exercise wider emerging data rights.
• Digital Rights Management
• Transparent Exchange
• Assertion of My Digital Rights
• Management of Digital ID rights
• Digital ID as a Fundamental Human Right
• The Un-Digital
Digital Rights Management
Digital ID provides the vehicle for managing digital rights – when to be
anonymous, when to be seen, when its ok to be monitored, etc.
Transparent Exchange
Digital ID drives transparency in the value exchange between consumers
and services, curtailing current ’surveillance capitalism’ business models.
Assertion of My Digital Rights
A DI Bill of Rights is already demanded by many. How this is built, by who,
what it includes, and critically, how it is enforced, will be hotly contested.
Management of Digital ID Rights
As Digital ID becomes part of society’s critical infrastructure, rules emerge
on how access rights can be given, taken away, redressed and restored.
Digital ID as a Fundamental Human Right
Digital Identity becomes a fundamental human right. Governments ensure
both access and equity for all, while business is made to respect this right.
Image courtesy of: Interaction Institute for Social Change | Artist: Angus Maguire
The Un-Digital
With the arrival of Digital ID rights comes the inalienable right to be
non-digital, and the need to serve the ‘Digital Amish’ who choose to opt out.
The Inclusion Illusion
Those needing access to basic services constitute a meaningful audience
for Digital ID, and are likely to be enthusiastic early-adopters, despite
being a non-traditional target for commercial organisations.
• Digital Identity - The First Wave
• Stateless Netizens
• Digital Citizenship
• The Case For Digital Inclusion
Digital Identity - The First Wave
Early adopters will include those who need to become familiar with
Digital ID in order to access basic (digitally adapting) government services.
Stateless Netizens
Digital ID for some (e.g. displaced peoples) becomes more important than
citizenship, leading to societal groups based on new, shared attributes.
Digital Citizenship
Digital IDs issued at birth and/or multi-lateral and global bodies issuing
and protecting Digital ID, gives greater meaning and usefulness to them.
The Case for Digital Inclusion
Digital ID systems will go some way towards addressing access and
exclusion issues of the 1 billion+ people lacking legal identity documents.
SYSTEM DESIGN
System Design
This theme contains three subsets of The Basic Building Blocks
Still Matter, Growing Standards and Integrating Ethics.
The Basic Building Blocks Still Matter
Interoperability is likely to emerge first in regard to authentication
and verification, with interoperability around identity
attributes lagging behind and influenced by it.
• Something Owned, Something Known, Something You
• New Bio-Metric Fingerprints
• Trust Cocktails
• Robust Authentication Equals Trust
Something Owned, Something Known, Something You
Authentication typically features something you own, you know and you are.
Innovating unique identifiers leads to new ways of thinking about who we are.
New Biometric Fingerprints
New identity markers, including our ‘routines’, prove useful in detecting
fraud, especially where AI sees changes in behavioural patterns.
Trust Cocktails
As ‘things’ are given Digital IDs, people are no longer certain of who or what
they are trusting - app, service, device or person - or if they should care.
Robust Authentication Equals Trust
Strong authentication processes will be the key factor in determining overall
levels of trust in the reliability and security of a given Digital ID system.
Growing Standards
Digital Identity standards will begin to emerge, with
pace-setters reaping early benefits. But with first-mover
advantage will come responsibility and accountability.
• Implementation Matters
• Setting the Standards
• Digital ID Accountability
• Regulations on the Fly
Implementation Matters
Poor implementations will lead to massive data breaches, damaging faith
in Digital ID service providers, or even the Digital ID concept as a whole.
Setting the Standards
First-movers will develop standards for basis of global Digital ID systems.
Consumers and governments decide the winners (e.g. Betamax vs VHS).
Digital ID Accountability
Clear accountability and good data stewardship is seen as key. Strong
punishment emerges in response to Digital ID misuse and reputation damage.
Regulation on the Fly
Digital ID will land and expand very quickly. Regulators will be
faced with the task of ‘building the aeroplane whilst flying it’.
Integrating Ethics
The field of Digital Identity is nascent enough that building truly
ethical principles and systems is still possible, helping to
avoid negative unintended consequences.
• Ethics By Design
• Unified Digital ID Ethical Principles
• Hyper Accurate Advertising
• Super-Surveillance
• Social Scoring
Ethics by Design
Sensitivity of Digital ID data, and the potential for catastrophic or malign
mis-use, drives ‘ethical by design’ standards that go beyond compliance.
Unified Digital ID Ethical Principles
Digital ID ethics will follow the bio-ethics lead with foundational principles:
e.g. Beneficence, Non-maleficence, Autonomy and Justice (and Explicability).
Hyper-accurate Advertising
Users practiced in social media’s ‘data for advertising’ model, consent to
sharing their ID for this purpose, resulting in hyper accurate advertising.
Super-surveillance
Digital ID’s highly accurate and relatively clean surveillance data,
will lead to mass surveillance in some states and market economies.
Social Scoring
Digital ID attributes enable monitoring of ‘good behaviour’ e.g. carbon
footprint tracking. In the hands of some, this evolves into social scoring.
ECOSYSTEM DEVELOPMENT
Ecosystem Development
This theme contains two subsets:
Multiple Bets and Power and Influence.
Multiple Bets
Different players in the Digital ID space come with differing
priorities, visions and business models, each with different
implications for future opportunities and markets.
• New Digital ID Markets
• Expanding Digital Service Provision
• Data-less Business Models
• Blueprint for Success
• Many Internets
• IoT Leads IoP
New Digital ID markets
Digital ID has the potential to play a critical role in social and economic life.
A new range of economic opportunities and markets will emerge around it.
Expanding Digital Service Provision
With growing numbers of digital delivered services, Digital ID will enable
an expansion of access to different, and new kinds, of service providers.
Data-less Business Models
Innovations allow users to give access to data without sharing it.
New models centre on positive, privacy-preserving, consumer propositions.
Blueprint for Success
Global financial transactions and payments infrastructures will provide
us with the ‘blueprint’ for building a truly interoperable Digital ID system.
Many Internets
Lacking a single global solution, the internet splits into different realms: e.g.
Open-Internet, Dark Internet and Internet Islands (local Digital ID systems).
IoT Leads IoP
Commercial use cases for ‘things’ creates identity and attribute frameworks
and infrastructure for objects. These are then applied to people.
Power and Influence
As Digital Identity systems and networks emerge,
power and influence will come to rest in
different locations depending on different models.
• Centralised or Distributed Digital Identity Systems?
• Finders Keepers, Losers Weepers
• Expanding Roles
• Digital ID Platforms
• Digital ID Federations
• Influence of Scale
• Aussie Rules
Centralised or Distributed Digital Identity Systems?
Distributed implementation removes concerns of trust in single entities.
Centralised systems bring uptake and interoperability. Nation states decide.
Finders Keepers, Losers Weepers
Highly centralised Digital ID systems, provide potential for identity ‘keepers’
to hold vast amounts of user data across myriad different contexts.
Expanding Roles
Roles/responsibilities in Digital ID systems grow from today’s verifiers and
trust partners to legal guardians, delegated authorities, AI brokers, etc.
Digital ID Platforms
Brokers emerge to help individuals easily manage their use of
multiple ID’s, profiles and attributes across different contexts.
Digital ID Federations
As with airline alliances (e.g. Star Alliance), Digital ID Federations form
linking together Attribute Suppliers and different Digital ID Providers.
Influence of Scale
China’s super apps and India Stack are already expanding into, and
influencing, other geographies. Digital ID tech will ‘follow the money’.
Aussie Rules
Learning from mistakes of others, and positioning itself as a leader in terms
of cross-sector cooperation, Australia sets western Digital ID benchmarks.
SOCIAL IDENTITIES
Social Identities
This theme contains two subsets:
It’s Social not Technical and Digital Life Stages.
It's Social Not Technical
Digital Identity is largely seen as a technical challenge, but ID
and Identity are about social relationships and will thus
bring attendant complexities into their digital realisation.
• Local Digital Citizenship
• Merging of Identity and ID
• From Tech to Society
• Digital ID as Belonging
Local Digital Citizenship
Distrust of surveillance and distant institutions leads to hyper-local identity
and authentication by the people we know and communities we live in.
Merging of Identity and ID
As ID management and attribute systems collect more detailed digital user
histories, our Identity and ID will merge, with unknowable consequences.
From Tech to Society
Today Digital ID is a tech challenge. Pressure increases for it to be managed
as a social challenge with tech held accountable for decisions made today.
Digital ID as Belonging
Just as individuals identify with others (e.g. location, faith, custom) in society,
so it is in the digital space. Cultural and social sensitivities remain key.
Digital Life Stages
Digital Identity creators will need to think hard about the
full life-cycle of a digital identity and how it will incorporate
the changes, life-stages and rituals of human life-cycles.
• Right to be Forgotten • Immortal ID
Right to be Forgotten
The right to be forgotten is increasingly recognised in a world with digital
memories. Implementation in Digital ID eco-systems is a significant challenge.
Immortal ID
Immortal IDs form - the sum of our digital histories and a collection of all
digital attributes. But who owns and controls them? Under what consent?
UNINTENDED CONSEQUENCES
Unintended Consequences
This theme contains two subsets:
System Vulnerabilities and Digital Identity Victims.
System Vulnerabilities
Digital Identity systems are potentially both a solution, and
a new frontline, in the battle for cyber security. They could re-define
and re-shape approaches to cyber risk, defense and attack.
• Re-evaluation of Cyber Risk
• Enhanced Cyber-Security
• Avoiding Honeypots
• The Big Fake
• Null Attributes
Enhanced Cyber Security
Strong and secure systems of digital identification will play a significant
role in enhancing cyber security for individuals, organisations and states.
Avoiding Honeypots
The need for cyber protection ensures that distributed data models prevail
over those that seek centralization, except in authoritarian regimes.
Re-evaluation of Cyber-risk
Breaches to digital ID systems have the potential to cause catastrophic damage.
Organisations will radically re-evaluate their investment to mitigate it.
The Big Fake
Fake Digital IDs, unlike fake passports, have the potential to be used in
many contexts at the same time, scaling up the consequences involved.
Null-attributes
Identity attributes, currently understood as unique (e.g. fingerprint)
become unusable or ‘null’ as they are exposed in continued breaches.
Digital Identity Victims
History teaches us that formalising identity can lead to great atrocities
and countless victims. The data and applications associated with
Digital Identity carry high risk for individuals, states and societies.
• Competing Interest Areas
• Identity Victims
• Offsetting Unintended Consequences
• Benefits of Catastrophe
• The Cost of Convenience
• Increased Accountability
Removed Honeypots – as also in
System Vulnerabilities sections –
presume we want to d-dupe
Competing Interest Areas
A battle for ‘ownership’ of the identity space grows, highlighting ideologies:
e.g. social good, economic opportunity, privacy, national security, social order.
Identity Victims
History is littered with horrific examples of the consequences of formally
assigning identity markers (race, religion etc.). Digital ID will be no different.
Offsetting Unintended Consequences
Specialist thinking emerges, particularly sociological, around the potential
unintended consequences of rapid deployment and adoption of Digital ID.
Benefits of Catastrophe
Digital ID catastrophe is almost inevitable, but will be a stimulus to drive
positive changes in awareness of secure identity and authentication.
The Cost of Convenience
Convenience remains as a core driver, but with the cost of teaching poor
behaviours, e.g., learning laziness, path of least resistance, etc.
Increased Accountability
Digital ID increases accountability in public online spaces, where
online behaviours can be traced back to offline identities.
03 REGIONAL COMPARISON
Regional Comparison – Top 5
The chart shows those insights which featured in the ‘top 5’
according to relative impact on Digital ID over the next
ten years, in at least one of the workshops.
San Francisco
• Null Attributes
• Me, Myself and I
• Verified But Incognito
• Super-Surveillance
• Digital ID Accountability
Sydney
• Management of Digital ID Rights
• Super-Surveillance
• Digital ID Accountability
• The Big Fake
• The Case for Digital Inclusion
London
• Personalised Controlled Exchanges
• Stateless Netizens
• The Big Fake
• Convenience Rules
• The Case For Digital Inclusion
Brussels
• Social Scoring
• Ethics By Design
• Influence of Scale
• Personalised Controlled Exchanges
• The Case for Digital Inclusion
Singapore
• Setting the Standards
• Enhanced Cyber-Security
• Robust Authentication Equals Trust
• Convenience Rules
• The Case for Digital Inclusion
04 EMERGING QUESTIONS
Some Key Questions for Digital ID Stakeholders
• Who are the other key digital identity stakeholders that can help enable our vision?
• What role do we wish to play in the identity ecosystem?
• How should we understand the purpose of Digital ID and how do we build to reflect that?
• How does personal data mesh with machine data?
• What is our ethical position regarding digital identity?
• How can we contribute to the prevention of unintended and negative long-term
consequences?
Some Key Questions for Industry
• In a world of Digital ID, will customers still want to share data with us?
• How will we ensure that we are ‘trustworthy’?
• What data do we need to collect in the future?
• How will we be able to comply when customers assert digital rights?
• Can we develop new, privacy-preserving customer propositions?
• What potential new products and services does widespread adoption of Digital ID unlock?
• How can we benefit from increased cybersecurity and better accountability in digital
transactions?
• Do we need to understand the impacts of Digital ID on our business models better?
Some Key Questions for Government and Regulators
• Would a government mandate around Digital ID help to accelerate the benefits of a secure
and interoperable ID system?
• How should we properly regulate Digital ID systems, and how can we ensure we create a
dynamic and responsive regulatory environment for Digital ID?
• What kind of identity ecosystem do we wish to support?
• What role will Government data about individuals play?
• How can we ensure that digital identity benefits all of society?
• How do we ensure that no citizen is excluded?
• What steps must we take to prevent unintended consequences?
• How can we think about the ethics of digital identity early?
• How can access to and delivery of public services be improved by widespread adoption of
Digital ID?
Some Key Questions for Individuals and Society
• How can my personal digital information facilitate my life?
• How will I manage my digital attributes?
• Who do I trust to help me do this?
• Do I want my personal data to help society?
• What are my digital rights and who protects them?
• When do I want and need to be identified and when can I remain anonymous?
• How can I better understand the role my data plays in a digital society and economy?
What Do You Think?
As an open foresight programme we would welcome your thoughts to help
build a stronger perspective. What do you agree or disagree with, what is
missing and what will be the key impacts and implications? Thank you.
Future Agenda, 84 Brook Street, London W1K 5EH +44 203 0088 141
www.futureagenda.org | www.futureagenda.net | @futureagenda

More Related Content

What's hot

Power plays for Monetizing Open Banking APIs
Power plays for Monetizing Open Banking APIsPower plays for Monetizing Open Banking APIs
Power plays for Monetizing Open Banking APIsaccenture
 
Blockchain Study(1) - What is Blockchain?
Blockchain Study(1) - What is Blockchain?Blockchain Study(1) - What is Blockchain?
Blockchain Study(1) - What is Blockchain?Fermat Jade
 
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
 
Generative AI in insurance- A comprehensive guide.pdf
Generative AI in insurance- A comprehensive guide.pdfGenerative AI in insurance- A comprehensive guide.pdf
Generative AI in insurance- A comprehensive guide.pdfStephenAmell4
 
Technology Vision 2022: Communications Industry | Accenture
Technology Vision 2022: Communications Industry | AccentureTechnology Vision 2022: Communications Industry | Accenture
Technology Vision 2022: Communications Industry | Accentureaccenture
 
Digital Refining Survey 2018
Digital Refining Survey 2018Digital Refining Survey 2018
Digital Refining Survey 2018accenture
 
Webinar: Practical use-cases to monetize Open Banking APIs
Webinar: Practical use-cases to monetize Open Banking APIsWebinar: Practical use-cases to monetize Open Banking APIs
Webinar: Practical use-cases to monetize Open Banking APIsShubaS4
 
Blockchain: The New Technology and Its Applications for Libraries
Blockchain: The New Technology and Its Applications for LibrariesBlockchain: The New Technology and Its Applications for Libraries
Blockchain: The New Technology and Its Applications for LibrariesBohyun Kim
 
Three big questions about AI in financial services
Three big questions about AI in financial servicesThree big questions about AI in financial services
Three big questions about AI in financial servicesWhite & Case
 
Chances of open banking
Chances of open banking Chances of open banking
Chances of open banking Netcetera
 
Banking as a Service (download)
Banking as a Service (download)Banking as a Service (download)
Banking as a Service (download)Chris Skinner
 
Banking-as-a-Service 2.0 - Executive Summary
Banking-as-a-Service 2.0 - Executive SummaryBanking-as-a-Service 2.0 - Executive Summary
Banking-as-a-Service 2.0 - Executive SummaryMEDICI Inner Circle
 
Digital strategy for Financial Institutions
Digital strategy for Financial InstitutionsDigital strategy for Financial Institutions
Digital strategy for Financial InstitutionsSameer Singh Jaini
 
Blockchain-based Solutions for Identity & Access Management
Blockchain-based Solutions for Identity & Access ManagementBlockchain-based Solutions for Identity & Access Management
Blockchain-based Solutions for Identity & Access ManagementPrabath Siriwardena
 
FinTech for Financial Inclusion
FinTech for Financial InclusionFinTech for Financial Inclusion
FinTech for Financial InclusionPaperjam_redaction
 

What's hot (20)

Fintech Business & Payments Strategy
Fintech Business & Payments StrategyFintech Business & Payments Strategy
Fintech Business & Payments Strategy
 
Power plays for Monetizing Open Banking APIs
Power plays for Monetizing Open Banking APIsPower plays for Monetizing Open Banking APIs
Power plays for Monetizing Open Banking APIs
 
Blockchain Study(1) - What is Blockchain?
Blockchain Study(1) - What is Blockchain?Blockchain Study(1) - What is Blockchain?
Blockchain Study(1) - What is Blockchain?
 
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...
 
Generative AI in insurance- A comprehensive guide.pdf
Generative AI in insurance- A comprehensive guide.pdfGenerative AI in insurance- A comprehensive guide.pdf
Generative AI in insurance- A comprehensive guide.pdf
 
Artificial intelligence in financial sector
Artificial intelligence in financial sectorArtificial intelligence in financial sector
Artificial intelligence in financial sector
 
Technology Vision 2022: Communications Industry | Accenture
Technology Vision 2022: Communications Industry | AccentureTechnology Vision 2022: Communications Industry | Accenture
Technology Vision 2022: Communications Industry | Accenture
 
Digital Refining Survey 2018
Digital Refining Survey 2018Digital Refining Survey 2018
Digital Refining Survey 2018
 
Webinar: Practical use-cases to monetize Open Banking APIs
Webinar: Practical use-cases to monetize Open Banking APIsWebinar: Practical use-cases to monetize Open Banking APIs
Webinar: Practical use-cases to monetize Open Banking APIs
 
Blockchain: The New Technology and Its Applications for Libraries
Blockchain: The New Technology and Its Applications for LibrariesBlockchain: The New Technology and Its Applications for Libraries
Blockchain: The New Technology and Its Applications for Libraries
 
Blockchain in Finance
Blockchain in FinanceBlockchain in Finance
Blockchain in Finance
 
Fintech overview slideshare
Fintech overview slideshareFintech overview slideshare
Fintech overview slideshare
 
Fintech & Blockchain
Fintech & BlockchainFintech & Blockchain
Fintech & Blockchain
 
Three big questions about AI in financial services
Three big questions about AI in financial servicesThree big questions about AI in financial services
Three big questions about AI in financial services
 
Chances of open banking
Chances of open banking Chances of open banking
Chances of open banking
 
Banking as a Service (download)
Banking as a Service (download)Banking as a Service (download)
Banking as a Service (download)
 
Banking-as-a-Service 2.0 - Executive Summary
Banking-as-a-Service 2.0 - Executive SummaryBanking-as-a-Service 2.0 - Executive Summary
Banking-as-a-Service 2.0 - Executive Summary
 
Digital strategy for Financial Institutions
Digital strategy for Financial InstitutionsDigital strategy for Financial Institutions
Digital strategy for Financial Institutions
 
Blockchain-based Solutions for Identity & Access Management
Blockchain-based Solutions for Identity & Access ManagementBlockchain-based Solutions for Identity & Access Management
Blockchain-based Solutions for Identity & Access Management
 
FinTech for Financial Inclusion
FinTech for Financial InclusionFinTech for Financial Inclusion
FinTech for Financial Inclusion
 

Similar to Future of digital identity programme summary - 19 mar 2019 lr

Future of digital identity Programme summary - 15 dec 2018 lr
Future of digital identity  Programme summary - 15 dec 2018 lrFuture of digital identity  Programme summary - 15 dec 2018 lr
Future of digital identity Programme summary - 15 dec 2018 lrFuture Agenda
 
Future of digital identity initial perspective - final lr
Future of digital identity   initial perspective - final lrFuture of digital identity   initial perspective - final lr
Future of digital identity initial perspective - final lrFuture Agenda
 
The future of digital identity 2019 future agenda
The future of digital identity 2019   future agendaThe future of digital identity 2019   future agenda
The future of digital identity 2019 future agendaFuture Agenda
 
Smart Cities in India: Privacy & Security Concerns and Strategies
Smart Cities in India: Privacy & Security Concerns and StrategiesSmart Cities in India: Privacy & Security Concerns and Strategies
Smart Cities in India: Privacy & Security Concerns and StrategiesKavitha Gupta, CIPP-Asia
 
Citizen Digital Identity: Enabling and empowering individuals and institutions
Citizen Digital Identity: Enabling and empowering individuals and institutionsCitizen Digital Identity: Enabling and empowering individuals and institutions
Citizen Digital Identity: Enabling and empowering individuals and institutionsConor Bronsdon
 
Crypto Valley Conference 2019 - CULedger
Crypto Valley Conference 2019 - CULedgerCrypto Valley Conference 2019 - CULedger
Crypto Valley Conference 2019 - CULedgerDarrell O'Donnell
 
Digital id-toolkit-for-africa-2014
Digital id-toolkit-for-africa-2014Digital id-toolkit-for-africa-2014
Digital id-toolkit-for-africa-2014Dr Lendy Spires
 
Digitalization: A Challenge and An Opportunity for Banks
Digitalization: A Challenge and An Opportunity for BanksDigitalization: A Challenge and An Opportunity for Banks
Digitalization: A Challenge and An Opportunity for BanksJérôme Kehrli
 
The Essence of Online ID Verification for Enhanced User Authentication.pdf
The Essence of Online ID Verification for Enhanced User Authentication.pdfThe Essence of Online ID Verification for Enhanced User Authentication.pdf
The Essence of Online ID Verification for Enhanced User Authentication.pdfIDMERIT IDMERIT
 
CIS14: NSTIC: Identity Enables a New Digital Relationship
CIS14: NSTIC: Identity Enables a New Digital RelationshipCIS14: NSTIC: Identity Enables a New Digital Relationship
CIS14: NSTIC: Identity Enables a New Digital RelationshipCloudIDSummit
 
Digital Transformation Business Evolution
Digital Transformation Business Evolution Digital Transformation Business Evolution
Digital Transformation Business Evolution Digital Catapult
 
UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...
UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...
UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...MicheleNati
 
Age Verification: Reaching a Tipping Point
Age Verification: Reaching a Tipping PointAge Verification: Reaching a Tipping Point
Age Verification: Reaching a Tipping PointDr Rachel O'Connell
 
apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...
apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...
apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...apidays
 
How Technology is Driving a Pension Revolution
How Technology is Driving a Pension RevolutionHow Technology is Driving a Pension Revolution
How Technology is Driving a Pension RevolutionIRESS
 
Open Data e Smart Government: tecnologie e trend di mercato Alessio Meloni
Open Data e Smart Government: tecnologie e trend di mercato Alessio MeloniOpen Data e Smart Government: tecnologie e trend di mercato Alessio Meloni
Open Data e Smart Government: tecnologie e trend di mercato Alessio MeloniApulian ICT Living Labs
 
Digital Renaissance in Government
Digital Renaissance in GovernmentDigital Renaissance in Government
Digital Renaissance in GovernmentJohn Newton
 
The future of identity verification predictions and trends in blockchain tech...
The future of identity verification predictions and trends in blockchain tech...The future of identity verification predictions and trends in blockchain tech...
The future of identity verification predictions and trends in blockchain tech...Techgropse Pvt.Ltd.
 

Similar to Future of digital identity programme summary - 19 mar 2019 lr (20)

Future of digital identity Programme summary - 15 dec 2018 lr
Future of digital identity  Programme summary - 15 dec 2018 lrFuture of digital identity  Programme summary - 15 dec 2018 lr
Future of digital identity Programme summary - 15 dec 2018 lr
 
Future of digital identity initial perspective - final lr
Future of digital identity   initial perspective - final lrFuture of digital identity   initial perspective - final lr
Future of digital identity initial perspective - final lr
 
The future of digital identity 2019 future agenda
The future of digital identity 2019   future agendaThe future of digital identity 2019   future agenda
The future of digital identity 2019 future agenda
 
Smart Cities in India: Privacy & Security Concerns and Strategies
Smart Cities in India: Privacy & Security Concerns and StrategiesSmart Cities in India: Privacy & Security Concerns and Strategies
Smart Cities in India: Privacy & Security Concerns and Strategies
 
Citizen Digital Identity: Enabling and empowering individuals and institutions
Citizen Digital Identity: Enabling and empowering individuals and institutionsCitizen Digital Identity: Enabling and empowering individuals and institutions
Citizen Digital Identity: Enabling and empowering individuals and institutions
 
Crypto Valley Conference 2019 - CULedger
Crypto Valley Conference 2019 - CULedgerCrypto Valley Conference 2019 - CULedger
Crypto Valley Conference 2019 - CULedger
 
Digital id-toolkit-for-africa-2014
Digital id-toolkit-for-africa-2014Digital id-toolkit-for-africa-2014
Digital id-toolkit-for-africa-2014
 
Digitalization: A Challenge and An Opportunity for Banks
Digitalization: A Challenge and An Opportunity for BanksDigitalization: A Challenge and An Opportunity for Banks
Digitalization: A Challenge and An Opportunity for Banks
 
The Essence of Online ID Verification for Enhanced User Authentication.pdf
The Essence of Online ID Verification for Enhanced User Authentication.pdfThe Essence of Online ID Verification for Enhanced User Authentication.pdf
The Essence of Online ID Verification for Enhanced User Authentication.pdf
 
CIS14: NSTIC: Identity Enables a New Digital Relationship
CIS14: NSTIC: Identity Enables a New Digital RelationshipCIS14: NSTIC: Identity Enables a New Digital Relationship
CIS14: NSTIC: Identity Enables a New Digital Relationship
 
The economics of digital identity
The economics of digital identityThe economics of digital identity
The economics of digital identity
 
Digital Transformation Business Evolution
Digital Transformation Business Evolution Digital Transformation Business Evolution
Digital Transformation Business Evolution
 
UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...
UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...
UNICOM Conference on Digital Transformation - The Trust Framework Initiative ...
 
Age Verification: Reaching a Tipping Point
Age Verification: Reaching a Tipping PointAge Verification: Reaching a Tipping Point
Age Verification: Reaching a Tipping Point
 
apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...
apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...
apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rah...
 
How Technology is Driving a Pension Revolution
How Technology is Driving a Pension RevolutionHow Technology is Driving a Pension Revolution
How Technology is Driving a Pension Revolution
 
Open Data e Smart Government: tecnologie e trend di mercato Alessio Meloni
Open Data e Smart Government: tecnologie e trend di mercato Alessio MeloniOpen Data e Smart Government: tecnologie e trend di mercato Alessio Meloni
Open Data e Smart Government: tecnologie e trend di mercato Alessio Meloni
 
Identity in the Internet Age
Identity in the Internet Age Identity in the Internet Age
Identity in the Internet Age
 
Digital Renaissance in Government
Digital Renaissance in GovernmentDigital Renaissance in Government
Digital Renaissance in Government
 
The future of identity verification predictions and trends in blockchain tech...
The future of identity verification predictions and trends in blockchain tech...The future of identity verification predictions and trends in blockchain tech...
The future of identity verification predictions and trends in blockchain tech...
 

More from Future Agenda

Future of Off-Premise Dining - Emerging View.pdf
Future of Off-Premise Dining - Emerging View.pdfFuture of Off-Premise Dining - Emerging View.pdf
Future of Off-Premise Dining - Emerging View.pdfFuture Agenda
 
Future of off premise dining an initial perspective - 01 03 22
Future of off premise dining   an initial perspective - 01 03 22 Future of off premise dining   an initial perspective - 01 03 22
Future of off premise dining an initial perspective - 01 03 22 Future Agenda
 
The future of work in europe
The future of work in europeThe future of work in europe
The future of work in europeFuture Agenda
 
Future of asthma care a global expert view - summary - august 2021
Future of asthma care   a global expert view - summary - august 2021Future of asthma care   a global expert view - summary - august 2021
Future of asthma care a global expert view - summary - august 2021Future Agenda
 
Future of work employability and digital skills march 2021
Future of work employability and digital skills   march 2021Future of work employability and digital skills   march 2021
Future of work employability and digital skills march 2021Future Agenda
 
The UK in 2030 - An expert informed view on some key trends
The UK in 2030 - An expert informed view on some key trendsThe UK in 2030 - An expert informed view on some key trends
The UK in 2030 - An expert informed view on some key trendsFuture Agenda
 
Future of retail - Five key future trends - 9 Dec 2020
Future of retail - Five key future trends - 9 Dec 2020Future of retail - Five key future trends - 9 Dec 2020
Future of retail - Five key future trends - 9 Dec 2020Future Agenda
 
Ten major global trends for 2030
Ten major global trends for 2030Ten major global trends for 2030
Ten major global trends for 2030Future Agenda
 
Future of work employability and digital skills nov 2020
Future of work employability and digital skills   nov 2020Future of work employability and digital skills   nov 2020
Future of work employability and digital skills nov 2020Future Agenda
 
Future of retail global trends summary nov 2020
Future of retail   global trends summary nov 2020Future of retail   global trends summary nov 2020
Future of retail global trends summary nov 2020Future Agenda
 
The uk in 2030 initial views
The uk in 2030   initial viewsThe uk in 2030   initial views
The uk in 2030 initial viewsFuture Agenda
 
The world's most innovative cities past present future - oct 2020
The world's most innovative cities   past present future - oct 2020The world's most innovative cities   past present future - oct 2020
The world's most innovative cities past present future - oct 2020Future Agenda
 
The future of work and skills development
The future of work and skills developmentThe future of work and skills development
The future of work and skills developmentFuture Agenda
 
The future of data risk sept 2020
The future of data risk   sept 2020The future of data risk   sept 2020
The future of data risk sept 2020Future Agenda
 
Moving water world in 2030
Moving water   world in 2030Moving water   world in 2030
Moving water world in 2030Future Agenda
 
Future of hospital design initial perspective - sept 2020
Future of hospital design   initial perspective - sept 2020Future of hospital design   initial perspective - sept 2020
Future of hospital design initial perspective - sept 2020Future Agenda
 
Future Risk: 12 Key Issues for Insurance in the Next Decade
Future Risk: 12 Key Issues for Insurance in the Next DecadeFuture Risk: 12 Key Issues for Insurance in the Next Decade
Future Risk: 12 Key Issues for Insurance in the Next DecadeFuture Agenda
 
Porous organisations 2020
Porous organisations 2020Porous organisations 2020
Porous organisations 2020Future Agenda
 

More from Future Agenda (20)

Future of Off-Premise Dining - Emerging View.pdf
Future of Off-Premise Dining - Emerging View.pdfFuture of Off-Premise Dining - Emerging View.pdf
Future of Off-Premise Dining - Emerging View.pdf
 
Future of off premise dining an initial perspective - 01 03 22
Future of off premise dining   an initial perspective - 01 03 22 Future of off premise dining   an initial perspective - 01 03 22
Future of off premise dining an initial perspective - 01 03 22
 
The future of work in europe
The future of work in europeThe future of work in europe
The future of work in europe
 
Future of asthma care a global expert view - summary - august 2021
Future of asthma care   a global expert view - summary - august 2021Future of asthma care   a global expert view - summary - august 2021
Future of asthma care a global expert view - summary - august 2021
 
Future of work employability and digital skills march 2021
Future of work employability and digital skills   march 2021Future of work employability and digital skills   march 2021
Future of work employability and digital skills march 2021
 
The UK in 2030 - An expert informed view on some key trends
The UK in 2030 - An expert informed view on some key trendsThe UK in 2030 - An expert informed view on some key trends
The UK in 2030 - An expert informed view on some key trends
 
Future of retail - Five key future trends - 9 Dec 2020
Future of retail - Five key future trends - 9 Dec 2020Future of retail - Five key future trends - 9 Dec 2020
Future of retail - Five key future trends - 9 Dec 2020
 
Ten major global trends for 2030
Ten major global trends for 2030Ten major global trends for 2030
Ten major global trends for 2030
 
Future of work employability and digital skills nov 2020
Future of work employability and digital skills   nov 2020Future of work employability and digital skills   nov 2020
Future of work employability and digital skills nov 2020
 
Future of retail global trends summary nov 2020
Future of retail   global trends summary nov 2020Future of retail   global trends summary nov 2020
Future of retail global trends summary nov 2020
 
The uk in 2030 initial views
The uk in 2030   initial viewsThe uk in 2030   initial views
The uk in 2030 initial views
 
The world's most innovative cities past present future - oct 2020
The world's most innovative cities   past present future - oct 2020The world's most innovative cities   past present future - oct 2020
The world's most innovative cities past present future - oct 2020
 
The future of work and skills development
The future of work and skills developmentThe future of work and skills development
The future of work and skills development
 
The future of data risk sept 2020
The future of data risk   sept 2020The future of data risk   sept 2020
The future of data risk sept 2020
 
Moving water world in 2030
Moving water   world in 2030Moving water   world in 2030
Moving water world in 2030
 
Future of hospital design initial perspective - sept 2020
Future of hospital design   initial perspective - sept 2020Future of hospital design   initial perspective - sept 2020
Future of hospital design initial perspective - sept 2020
 
Future Risk: 12 Key Issues for Insurance in the Next Decade
Future Risk: 12 Key Issues for Insurance in the Next DecadeFuture Risk: 12 Key Issues for Insurance in the Next Decade
Future Risk: 12 Key Issues for Insurance in the Next Decade
 
Porous organisations 2020
Porous organisations 2020Porous organisations 2020
Porous organisations 2020
 
Better batteries
Better batteriesBetter batteries
Better batteries
 
Peak soil
Peak soilPeak soil
Peak soil
 

Recently uploaded

Ten Organizational Design Models to align structure and operations to busines...
Ten Organizational Design Models to align structure and operations to busines...Ten Organizational Design Models to align structure and operations to busines...
Ten Organizational Design Models to align structure and operations to busines...Seta Wicaksana
 
Fordham -How effective decision-making is within the IT department - Analysis...
Fordham -How effective decision-making is within the IT department - Analysis...Fordham -How effective decision-making is within the IT department - Analysis...
Fordham -How effective decision-making is within the IT department - Analysis...Peter Ward
 
Annual General Meeting Presentation Slides
Annual General Meeting Presentation SlidesAnnual General Meeting Presentation Slides
Annual General Meeting Presentation SlidesKeppelCorporation
 
MAHA Global and IPR: Do Actions Speak Louder Than Words?
MAHA Global and IPR: Do Actions Speak Louder Than Words?MAHA Global and IPR: Do Actions Speak Louder Than Words?
MAHA Global and IPR: Do Actions Speak Louder Than Words?Olivia Kresic
 
PSCC - Capability Statement Presentation
PSCC - Capability Statement PresentationPSCC - Capability Statement Presentation
PSCC - Capability Statement PresentationAnamaria Contreras
 
Cyber Security Training in Office Environment
Cyber Security Training in Office EnvironmentCyber Security Training in Office Environment
Cyber Security Training in Office Environmentelijahj01012
 
8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR
8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR
8447779800, Low rate Call girls in New Ashok Nagar Delhi NCRashishs7044
 
Send Files | Sendbig.comSend Files | Sendbig.com
Send Files | Sendbig.comSend Files | Sendbig.comSend Files | Sendbig.comSend Files | Sendbig.com
Send Files | Sendbig.comSend Files | Sendbig.comSendBig4
 
Cybersecurity Awareness Training Presentation v2024.03
Cybersecurity Awareness Training Presentation v2024.03Cybersecurity Awareness Training Presentation v2024.03
Cybersecurity Awareness Training Presentation v2024.03DallasHaselhorst
 
Organizational Structure Running A Successful Business
Organizational Structure Running A Successful BusinessOrganizational Structure Running A Successful Business
Organizational Structure Running A Successful BusinessSeta Wicaksana
 
Traction part 2 - EOS Model JAX Bridges.
Traction part 2 - EOS Model JAX Bridges.Traction part 2 - EOS Model JAX Bridges.
Traction part 2 - EOS Model JAX Bridges.Anamaria Contreras
 
EUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exportersEUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exportersPeter Horsten
 
Investment in The Coconut Industry by Nancy Cheruiyot
Investment in The Coconut Industry by Nancy CheruiyotInvestment in The Coconut Industry by Nancy Cheruiyot
Investment in The Coconut Industry by Nancy Cheruiyotictsugar
 
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdfChris Skinner
 
Memorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQMMemorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQMVoces Mineras
 
Flow Your Strategy at Flight Levels Day 2024
Flow Your Strategy at Flight Levels Day 2024Flow Your Strategy at Flight Levels Day 2024
Flow Your Strategy at Flight Levels Day 2024Kirill Klimov
 
Chapter 9 PPT 4th edition.pdf internal audit
Chapter 9 PPT 4th edition.pdf internal auditChapter 9 PPT 4th edition.pdf internal audit
Chapter 9 PPT 4th edition.pdf internal auditNhtLNguyn9
 
WSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdfWSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdfJamesConcepcion7
 

Recently uploaded (20)

Ten Organizational Design Models to align structure and operations to busines...
Ten Organizational Design Models to align structure and operations to busines...Ten Organizational Design Models to align structure and operations to busines...
Ten Organizational Design Models to align structure and operations to busines...
 
Fordham -How effective decision-making is within the IT department - Analysis...
Fordham -How effective decision-making is within the IT department - Analysis...Fordham -How effective decision-making is within the IT department - Analysis...
Fordham -How effective decision-making is within the IT department - Analysis...
 
Annual General Meeting Presentation Slides
Annual General Meeting Presentation SlidesAnnual General Meeting Presentation Slides
Annual General Meeting Presentation Slides
 
MAHA Global and IPR: Do Actions Speak Louder Than Words?
MAHA Global and IPR: Do Actions Speak Louder Than Words?MAHA Global and IPR: Do Actions Speak Louder Than Words?
MAHA Global and IPR: Do Actions Speak Louder Than Words?
 
PSCC - Capability Statement Presentation
PSCC - Capability Statement PresentationPSCC - Capability Statement Presentation
PSCC - Capability Statement Presentation
 
Cyber Security Training in Office Environment
Cyber Security Training in Office EnvironmentCyber Security Training in Office Environment
Cyber Security Training in Office Environment
 
8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR
8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR
8447779800, Low rate Call girls in New Ashok Nagar Delhi NCR
 
Send Files | Sendbig.comSend Files | Sendbig.com
Send Files | Sendbig.comSend Files | Sendbig.comSend Files | Sendbig.comSend Files | Sendbig.com
Send Files | Sendbig.comSend Files | Sendbig.com
 
Cybersecurity Awareness Training Presentation v2024.03
Cybersecurity Awareness Training Presentation v2024.03Cybersecurity Awareness Training Presentation v2024.03
Cybersecurity Awareness Training Presentation v2024.03
 
Organizational Structure Running A Successful Business
Organizational Structure Running A Successful BusinessOrganizational Structure Running A Successful Business
Organizational Structure Running A Successful Business
 
Call Us ➥9319373153▻Call Girls In North Goa
Call Us ➥9319373153▻Call Girls In North GoaCall Us ➥9319373153▻Call Girls In North Goa
Call Us ➥9319373153▻Call Girls In North Goa
 
Traction part 2 - EOS Model JAX Bridges.
Traction part 2 - EOS Model JAX Bridges.Traction part 2 - EOS Model JAX Bridges.
Traction part 2 - EOS Model JAX Bridges.
 
EUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exportersEUDR Info Meeting Ethiopian coffee exporters
EUDR Info Meeting Ethiopian coffee exporters
 
Investment in The Coconut Industry by Nancy Cheruiyot
Investment in The Coconut Industry by Nancy CheruiyotInvestment in The Coconut Industry by Nancy Cheruiyot
Investment in The Coconut Industry by Nancy Cheruiyot
 
Corporate Profile 47Billion Information Technology
Corporate Profile 47Billion Information TechnologyCorporate Profile 47Billion Information Technology
Corporate Profile 47Billion Information Technology
 
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
20220816-EthicsGrade_Scorecard-JP_Morgan_Chase-Q2-63_57.pdf
 
Memorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQMMemorándum de Entendimiento (MoU) entre Codelco y SQM
Memorándum de Entendimiento (MoU) entre Codelco y SQM
 
Flow Your Strategy at Flight Levels Day 2024
Flow Your Strategy at Flight Levels Day 2024Flow Your Strategy at Flight Levels Day 2024
Flow Your Strategy at Flight Levels Day 2024
 
Chapter 9 PPT 4th edition.pdf internal audit
Chapter 9 PPT 4th edition.pdf internal auditChapter 9 PPT 4th edition.pdf internal audit
Chapter 9 PPT 4th edition.pdf internal audit
 
WSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdfWSMM Media and Entertainment Feb_March_Final.pdf
WSMM Media and Entertainment Feb_March_Final.pdf
 

Future of digital identity programme summary - 19 mar 2019 lr

  • 1. The Future of Digital Identity – PROGRAMME SUMMARY Insights From Multiple Expert Discussions Around The World 19 March 2019
  • 2. CONTENTS 03 Regional Comparison 04 Emerging Questions 01 Programme overview 02 Themes and Insights Communicating Identity Empowering the Individual System Design Ecosystem Development Social Identities Unintended Consequences
  • 4. Future of Digital Identity - Programme Overview This is an emerging view of the Future of Digital Identity - based on multiple views collected during a 2018 Open Foresight programme made possible by the generous sponsorship of Mastercard. 3 | Analysis and synthesis • Identification of cross- cutting themes and areas of greatest impact over the next ten years 2 | Exploration and iteration • Expert workshops • Regional perspectives • Addition of new insights through collaborative dialogue 1 | initial perspective • Synthesis of existing Future Agenda insights • Interviews and desk research • Meaningful baseline for discussion Emerging view of the next ten years 01 02 03
  • 5. Workshops in 5 Countries Across 4 Continents The programme has accessed more than 140 informed experts with discussion focused on the key shifts and drivers most likely to have an impact on the Future of Digital Identity, over the next decade. San Francisco London Singapore Sydney Brussels
  • 6. Corporates Technology Firms Government Regulators, NGOs Academia, Research, Consulting Start-Ups Influencers & Associations Diverse, Informed Expert Perspective This Open Foresight programme has brought together under the Chatham House Rule, a wide range of participants with varied perspectives to help build a richer view of implications, risks and opportunities.
  • 7. Project Summary Key insights from each of our five workshop locations. Percentage of population without any ID: Source: World Bank 2018 http://id4d.worldbank.org; The report and data presents economy-level aggregates on the share and number of the population without a foundational/national ID, based on surveys covering over 100,000 people in 99 economies—representing 74 percent of the world’s population. >50% 20-50% 2-20% 0-2% Future of Digital Identity (2018/19) Locations and Key Insights Singapore 30 OCT 2018 Top Insights* • Setting the Standards • Enhanced Cyber-Security • Robust Authentication Equals Trust • Convenience Rules • The Case for Digital Inclusion Sydney 02 NOV 2018 Top Insights* • Management of Digital ID Rights • Super-Surveillance • Digital ID Accountability • The Big Fake • The Case for Digital Inclusion San Francisco 13 NOV 2018 Top Insights* • Null Attributes • Me, Myself and I • Verified But Incognito • Super-Surveillance • Digital ID Accountability London 15 OCT 2018 Top Insights* • Personalised Controlled Exchanges • Stateless Netizens • The Big Fake • Convenience Rules • The Case For Digital Inclusion Brussels 27 NOV 2018 Top Insights* • Social Scoring • Ethics By Design • Influence of Scale • Personalised Controlled Exchanges • The Case for Digital Inclusion % of Total Transactions That Were Recognised As Identity Spoofing REGION TOTAL Africa 16.5% Asia 12.8% Europe 7.6% Australia 6.8% South America 6.3% North America 5.6% Source: Threat Matrix Cybercrime Report - Q2 2018 *Top 5 insights according to their relative impact on Digital ID over the next decade
  • 8. 02 THEMES AND INSIGHTS
  • 9. Thematic Lens Many of the insights generated have significant areas of overlap, both practical and theoretical. Their implications for DI stakeholders, and the ‘DI story’, become clearer when a cross-cutting thematic lens is applied. Communicating Identity Empowering the individual System design Unintended consequences Re-assessing self sovereignty Digital rights & consent The inclusion illusion System vulnerabilities Identity victims Building blocks still matter Growing standards Ethics by design Multiple bets Ecosystem development Social identities Power and influence Its social not technical Digital life stages Communicating Identity
  • 11. Communicating Identity Digital Identity is a nebulous term that covers multiple technologies and digital and social interactions and transactions. Clarity around purpose, language, need, value and application is needed. • Digital Identity Literacy • Attributes Not Digital ID • Data IP Attribution • Proxy Digital IDs • Data Provenance • Secure Access Without Disclosure • Cost Reduction • Convenience Rules • Value Not Identity
  • 12. Digital Identity Literacy A wholesale move toward Digital ID will require it’s own programme of education to teach people how to maintain and keep safe their Digital ID.
  • 13. Attributes not Digital ID Users give permission for a third party to access the appropriate attribute mix required to complete a given exchange. ID may/may not feature.
  • 14. Data IP Attribution Digital IDs enable the tracing of contribution of individual ‘chunks’ of data to data-driven services, allowing for all contributors to be recompensed.
  • 15. Proxy Digital IDs As the pool of Personally Identifiable Information continues to grow, the need for Digital Identity reduces. Algorithms win the race for identity.
  • 16. Data Provenance Digital ID enables provenance of all ‘owned data’ including data provided by, say, passive sensors in cars, much of which may not be personal at all.
  • 17. Secure Access without Disclosure Driven by increased consumer awareness of continuing misuse, transacting while giving minimal (or no) information gains momentum.
  • 18. Cost Reduction Digital ID enables service providers to reduce their transaction costs and accelerate the pace of innovation, both for them and for wider society.
  • 19. Convenience Rules Continuing consumer appetite for convenience drives development of Digital ID, especially as many processes requiring formal ID feel so old-fashioned today.
  • 20. Value, not Identity Consumers are only motivated to adopt Digital Identity through compelling use cases that deliver tangible value to them (e.g. time or cost saving).
  • 22. Empowering the Individual This theme contains three sub sections: Re-assessing Self-Sovereignty, Digital Rights and Consent Management and The Inclusion Illusion.
  • 23. Re-Assessing Self-Sovereignty The data-driven world has already led to a loss of individual agency. The advent of AI may accelerate this trend. Digital Identity could help us to re-assert our sovereignty and agency in a data-driven world. • Me, Myself and I • Erosion of Agency • Personalised Controlled Exchanges • Self-Sovereign ID • Personal Gatekeeping • Balanced Proof of Identification • Zero-Knowledge Proofs • Verified but Incognito
  • 24. Me, Myself and I Digital ID users maintain deliberately separated identities and attribute stores. Providers offer context-based, Digital-ID-as-a-service solutions.
  • 25. Erosion of Agency Consumer comfort in outsourcing agency to ‘things’ drives a rich market of data driven technology deciding for us. Erosion of human agency results.
  • 26. Personalised, Controlled Exchanges Digital ID gives people greater control over access to their personal data, and encourages transparency of service-providers in onward use.
  • 27. Self-sovereign ID Calls for self-sovereign digital ID - or the ‘controlled sharing’ principles on which it is based - are likely to increase, as are attempts to build it.
  • 28. Personal Gatekeeping Consent management systems and platforms emerge to help individuals more easily ‘trust in an otherwise trustless system (of machines)’.
  • 29. Balanced Proof of Identification Digital users become more demanding about ensuring they ‘get as well as they give’ with regard to verification of those whom they choose to engage.
  • 30. Zero Knowledge Proofs Future Digital Identities will include attributes that are harder to mimic or steal. Authentication will occur without data exchange, limiting the data at risk.
  • 31. Verified but Incognito For more private contexts and use-cases, properly authenticated, but wholly anonymous identities are deployed within the Digital ID eco-system.
  • 32. Digital Rights and Consent Management Digital Identity rights could become fundamental human rights. DI implementations could also become the means by which we exercise wider emerging data rights. • Digital Rights Management • Transparent Exchange • Assertion of My Digital Rights • Management of Digital ID rights • Digital ID as a Fundamental Human Right • The Un-Digital
  • 33. Digital Rights Management Digital ID provides the vehicle for managing digital rights – when to be anonymous, when to be seen, when its ok to be monitored, etc.
  • 34. Transparent Exchange Digital ID drives transparency in the value exchange between consumers and services, curtailing current ’surveillance capitalism’ business models.
  • 35. Assertion of My Digital Rights A DI Bill of Rights is already demanded by many. How this is built, by who, what it includes, and critically, how it is enforced, will be hotly contested.
  • 36. Management of Digital ID Rights As Digital ID becomes part of society’s critical infrastructure, rules emerge on how access rights can be given, taken away, redressed and restored.
  • 37. Digital ID as a Fundamental Human Right Digital Identity becomes a fundamental human right. Governments ensure both access and equity for all, while business is made to respect this right. Image courtesy of: Interaction Institute for Social Change | Artist: Angus Maguire
  • 38. The Un-Digital With the arrival of Digital ID rights comes the inalienable right to be non-digital, and the need to serve the ‘Digital Amish’ who choose to opt out.
  • 39. The Inclusion Illusion Those needing access to basic services constitute a meaningful audience for Digital ID, and are likely to be enthusiastic early-adopters, despite being a non-traditional target for commercial organisations. • Digital Identity - The First Wave • Stateless Netizens • Digital Citizenship • The Case For Digital Inclusion
  • 40. Digital Identity - The First Wave Early adopters will include those who need to become familiar with Digital ID in order to access basic (digitally adapting) government services.
  • 41. Stateless Netizens Digital ID for some (e.g. displaced peoples) becomes more important than citizenship, leading to societal groups based on new, shared attributes.
  • 42. Digital Citizenship Digital IDs issued at birth and/or multi-lateral and global bodies issuing and protecting Digital ID, gives greater meaning and usefulness to them.
  • 43. The Case for Digital Inclusion Digital ID systems will go some way towards addressing access and exclusion issues of the 1 billion+ people lacking legal identity documents.
  • 45. System Design This theme contains three subsets of The Basic Building Blocks Still Matter, Growing Standards and Integrating Ethics.
  • 46. The Basic Building Blocks Still Matter Interoperability is likely to emerge first in regard to authentication and verification, with interoperability around identity attributes lagging behind and influenced by it. • Something Owned, Something Known, Something You • New Bio-Metric Fingerprints • Trust Cocktails • Robust Authentication Equals Trust
  • 47. Something Owned, Something Known, Something You Authentication typically features something you own, you know and you are. Innovating unique identifiers leads to new ways of thinking about who we are.
  • 48. New Biometric Fingerprints New identity markers, including our ‘routines’, prove useful in detecting fraud, especially where AI sees changes in behavioural patterns.
  • 49. Trust Cocktails As ‘things’ are given Digital IDs, people are no longer certain of who or what they are trusting - app, service, device or person - or if they should care.
  • 50. Robust Authentication Equals Trust Strong authentication processes will be the key factor in determining overall levels of trust in the reliability and security of a given Digital ID system.
  • 51. Growing Standards Digital Identity standards will begin to emerge, with pace-setters reaping early benefits. But with first-mover advantage will come responsibility and accountability. • Implementation Matters • Setting the Standards • Digital ID Accountability • Regulations on the Fly
  • 52. Implementation Matters Poor implementations will lead to massive data breaches, damaging faith in Digital ID service providers, or even the Digital ID concept as a whole.
  • 53. Setting the Standards First-movers will develop standards for basis of global Digital ID systems. Consumers and governments decide the winners (e.g. Betamax vs VHS).
  • 54. Digital ID Accountability Clear accountability and good data stewardship is seen as key. Strong punishment emerges in response to Digital ID misuse and reputation damage.
  • 55. Regulation on the Fly Digital ID will land and expand very quickly. Regulators will be faced with the task of ‘building the aeroplane whilst flying it’.
  • 56. Integrating Ethics The field of Digital Identity is nascent enough that building truly ethical principles and systems is still possible, helping to avoid negative unintended consequences. • Ethics By Design • Unified Digital ID Ethical Principles • Hyper Accurate Advertising • Super-Surveillance • Social Scoring
  • 57. Ethics by Design Sensitivity of Digital ID data, and the potential for catastrophic or malign mis-use, drives ‘ethical by design’ standards that go beyond compliance.
  • 58. Unified Digital ID Ethical Principles Digital ID ethics will follow the bio-ethics lead with foundational principles: e.g. Beneficence, Non-maleficence, Autonomy and Justice (and Explicability).
  • 59. Hyper-accurate Advertising Users practiced in social media’s ‘data for advertising’ model, consent to sharing their ID for this purpose, resulting in hyper accurate advertising.
  • 60. Super-surveillance Digital ID’s highly accurate and relatively clean surveillance data, will lead to mass surveillance in some states and market economies.
  • 61. Social Scoring Digital ID attributes enable monitoring of ‘good behaviour’ e.g. carbon footprint tracking. In the hands of some, this evolves into social scoring.
  • 63. Ecosystem Development This theme contains two subsets: Multiple Bets and Power and Influence.
  • 64. Multiple Bets Different players in the Digital ID space come with differing priorities, visions and business models, each with different implications for future opportunities and markets. • New Digital ID Markets • Expanding Digital Service Provision • Data-less Business Models • Blueprint for Success • Many Internets • IoT Leads IoP
  • 65. New Digital ID markets Digital ID has the potential to play a critical role in social and economic life. A new range of economic opportunities and markets will emerge around it.
  • 66. Expanding Digital Service Provision With growing numbers of digital delivered services, Digital ID will enable an expansion of access to different, and new kinds, of service providers.
  • 67. Data-less Business Models Innovations allow users to give access to data without sharing it. New models centre on positive, privacy-preserving, consumer propositions.
  • 68. Blueprint for Success Global financial transactions and payments infrastructures will provide us with the ‘blueprint’ for building a truly interoperable Digital ID system.
  • 69. Many Internets Lacking a single global solution, the internet splits into different realms: e.g. Open-Internet, Dark Internet and Internet Islands (local Digital ID systems).
  • 70. IoT Leads IoP Commercial use cases for ‘things’ creates identity and attribute frameworks and infrastructure for objects. These are then applied to people.
  • 71. Power and Influence As Digital Identity systems and networks emerge, power and influence will come to rest in different locations depending on different models. • Centralised or Distributed Digital Identity Systems? • Finders Keepers, Losers Weepers • Expanding Roles • Digital ID Platforms • Digital ID Federations • Influence of Scale • Aussie Rules
  • 72. Centralised or Distributed Digital Identity Systems? Distributed implementation removes concerns of trust in single entities. Centralised systems bring uptake and interoperability. Nation states decide.
  • 73. Finders Keepers, Losers Weepers Highly centralised Digital ID systems, provide potential for identity ‘keepers’ to hold vast amounts of user data across myriad different contexts.
  • 74. Expanding Roles Roles/responsibilities in Digital ID systems grow from today’s verifiers and trust partners to legal guardians, delegated authorities, AI brokers, etc.
  • 75. Digital ID Platforms Brokers emerge to help individuals easily manage their use of multiple ID’s, profiles and attributes across different contexts.
  • 76. Digital ID Federations As with airline alliances (e.g. Star Alliance), Digital ID Federations form linking together Attribute Suppliers and different Digital ID Providers.
  • 77. Influence of Scale China’s super apps and India Stack are already expanding into, and influencing, other geographies. Digital ID tech will ‘follow the money’.
  • 78. Aussie Rules Learning from mistakes of others, and positioning itself as a leader in terms of cross-sector cooperation, Australia sets western Digital ID benchmarks.
  • 80. Social Identities This theme contains two subsets: It’s Social not Technical and Digital Life Stages.
  • 81. It's Social Not Technical Digital Identity is largely seen as a technical challenge, but ID and Identity are about social relationships and will thus bring attendant complexities into their digital realisation. • Local Digital Citizenship • Merging of Identity and ID • From Tech to Society • Digital ID as Belonging
  • 82. Local Digital Citizenship Distrust of surveillance and distant institutions leads to hyper-local identity and authentication by the people we know and communities we live in.
  • 83. Merging of Identity and ID As ID management and attribute systems collect more detailed digital user histories, our Identity and ID will merge, with unknowable consequences.
  • 84. From Tech to Society Today Digital ID is a tech challenge. Pressure increases for it to be managed as a social challenge with tech held accountable for decisions made today.
  • 85. Digital ID as Belonging Just as individuals identify with others (e.g. location, faith, custom) in society, so it is in the digital space. Cultural and social sensitivities remain key.
  • 86. Digital Life Stages Digital Identity creators will need to think hard about the full life-cycle of a digital identity and how it will incorporate the changes, life-stages and rituals of human life-cycles. • Right to be Forgotten • Immortal ID
  • 87. Right to be Forgotten The right to be forgotten is increasingly recognised in a world with digital memories. Implementation in Digital ID eco-systems is a significant challenge.
  • 88. Immortal ID Immortal IDs form - the sum of our digital histories and a collection of all digital attributes. But who owns and controls them? Under what consent?
  • 90. Unintended Consequences This theme contains two subsets: System Vulnerabilities and Digital Identity Victims.
  • 91. System Vulnerabilities Digital Identity systems are potentially both a solution, and a new frontline, in the battle for cyber security. They could re-define and re-shape approaches to cyber risk, defense and attack. • Re-evaluation of Cyber Risk • Enhanced Cyber-Security • Avoiding Honeypots • The Big Fake • Null Attributes
  • 92. Enhanced Cyber Security Strong and secure systems of digital identification will play a significant role in enhancing cyber security for individuals, organisations and states.
  • 93. Avoiding Honeypots The need for cyber protection ensures that distributed data models prevail over those that seek centralization, except in authoritarian regimes.
  • 94. Re-evaluation of Cyber-risk Breaches to digital ID systems have the potential to cause catastrophic damage. Organisations will radically re-evaluate their investment to mitigate it.
  • 95. The Big Fake Fake Digital IDs, unlike fake passports, have the potential to be used in many contexts at the same time, scaling up the consequences involved.
  • 96. Null-attributes Identity attributes, currently understood as unique (e.g. fingerprint) become unusable or ‘null’ as they are exposed in continued breaches.
  • 97. Digital Identity Victims History teaches us that formalising identity can lead to great atrocities and countless victims. The data and applications associated with Digital Identity carry high risk for individuals, states and societies. • Competing Interest Areas • Identity Victims • Offsetting Unintended Consequences • Benefits of Catastrophe • The Cost of Convenience • Increased Accountability Removed Honeypots – as also in System Vulnerabilities sections – presume we want to d-dupe
  • 98. Competing Interest Areas A battle for ‘ownership’ of the identity space grows, highlighting ideologies: e.g. social good, economic opportunity, privacy, national security, social order.
  • 99. Identity Victims History is littered with horrific examples of the consequences of formally assigning identity markers (race, religion etc.). Digital ID will be no different.
  • 100. Offsetting Unintended Consequences Specialist thinking emerges, particularly sociological, around the potential unintended consequences of rapid deployment and adoption of Digital ID.
  • 101. Benefits of Catastrophe Digital ID catastrophe is almost inevitable, but will be a stimulus to drive positive changes in awareness of secure identity and authentication.
  • 102. The Cost of Convenience Convenience remains as a core driver, but with the cost of teaching poor behaviours, e.g., learning laziness, path of least resistance, etc.
  • 103. Increased Accountability Digital ID increases accountability in public online spaces, where online behaviours can be traced back to offline identities.
  • 105. Regional Comparison – Top 5 The chart shows those insights which featured in the ‘top 5’ according to relative impact on Digital ID over the next ten years, in at least one of the workshops. San Francisco • Null Attributes • Me, Myself and I • Verified But Incognito • Super-Surveillance • Digital ID Accountability Sydney • Management of Digital ID Rights • Super-Surveillance • Digital ID Accountability • The Big Fake • The Case for Digital Inclusion London • Personalised Controlled Exchanges • Stateless Netizens • The Big Fake • Convenience Rules • The Case For Digital Inclusion Brussels • Social Scoring • Ethics By Design • Influence of Scale • Personalised Controlled Exchanges • The Case for Digital Inclusion Singapore • Setting the Standards • Enhanced Cyber-Security • Robust Authentication Equals Trust • Convenience Rules • The Case for Digital Inclusion
  • 107. Some Key Questions for Digital ID Stakeholders • Who are the other key digital identity stakeholders that can help enable our vision? • What role do we wish to play in the identity ecosystem? • How should we understand the purpose of Digital ID and how do we build to reflect that? • How does personal data mesh with machine data? • What is our ethical position regarding digital identity? • How can we contribute to the prevention of unintended and negative long-term consequences?
  • 108. Some Key Questions for Industry • In a world of Digital ID, will customers still want to share data with us? • How will we ensure that we are ‘trustworthy’? • What data do we need to collect in the future? • How will we be able to comply when customers assert digital rights? • Can we develop new, privacy-preserving customer propositions? • What potential new products and services does widespread adoption of Digital ID unlock? • How can we benefit from increased cybersecurity and better accountability in digital transactions? • Do we need to understand the impacts of Digital ID on our business models better?
  • 109. Some Key Questions for Government and Regulators • Would a government mandate around Digital ID help to accelerate the benefits of a secure and interoperable ID system? • How should we properly regulate Digital ID systems, and how can we ensure we create a dynamic and responsive regulatory environment for Digital ID? • What kind of identity ecosystem do we wish to support? • What role will Government data about individuals play? • How can we ensure that digital identity benefits all of society? • How do we ensure that no citizen is excluded? • What steps must we take to prevent unintended consequences? • How can we think about the ethics of digital identity early? • How can access to and delivery of public services be improved by widespread adoption of Digital ID?
  • 110. Some Key Questions for Individuals and Society • How can my personal digital information facilitate my life? • How will I manage my digital attributes? • Who do I trust to help me do this? • Do I want my personal data to help society? • What are my digital rights and who protects them? • When do I want and need to be identified and when can I remain anonymous? • How can I better understand the role my data plays in a digital society and economy?
  • 111. What Do You Think? As an open foresight programme we would welcome your thoughts to help build a stronger perspective. What do you agree or disagree with, what is missing and what will be the key impacts and implications? Thank you.
  • 112. Future Agenda, 84 Brook Street, London W1K 5EH +44 203 0088 141 www.futureagenda.org | www.futureagenda.net | @futureagenda