Digital signature solutions are quickly replacing paper-based signatures and have the potential to dominate signature-related processes. The primary benefits of this technology include increased efficiency, lower costs and increased customer satisfaction. Processes that still require a handwritten signature slow down turnaround time, increase complexity in terms of archiving, and also raise environmental issues with regards to paper usage. Companies are therefore increasingly adopting digital signature solutions to address those challenges.
The financial services industry is the pioneer in the adoption and development of digital signature solutions, and we expect other industries, such as telecommunication, commerce, utilities, notaries and healthcare, to follow soon as the benefits of this new technology, namely increased efficiency, lower costs and increased customer satisfaction, are not restricted to any industry. While offering clear advantages, digital signature solutions still need to overcome some challenges, such as the need to adapt existing systems and processes to the new technology, concern about acceptance by business partners and the perceived high cost.
The European Union is currently finalizing regulation, which will increase the legal value of advanced electronic signatures and remote electronic signing services by offering the possibility to generate a qualified digital signature using a remote signing system. The regulation is expected to be enacted in early July 2014. This development is expected to serve as an example for other markets on how to approach digital signatures from a regulatory standpoint.
This report is based on Arthur D. Little’s survey of 50 market experts in Europe, as well as comprehensive secondary market research. In this report, we provide an overview of the digital signature technology, its current and potential market, as well as the benefits and challenges it brings. We also present examples of practical applications of digital signature solutions.
Iot security requirements will reshape enterprise it security programsMarket Engel SAS
IoT security requirements will reshape enterprise IT security programs
The power of objects in the Internet of Things (IoT) to change the state of environments — in addition to generating information — will cause chief information security officers (CISOs) to redefine the scope of their security efforts beyond present responsibilities, according to Gartner.
FinTech is just short for financial technology and it refers to the application of technology in the financial industry. On the other hand, blockchain refers to the distributed ledger technology behind cryptocurrencies; it allows digital information to be distributed and each piece of data can only have one owner.
Secure and Smart IoT using Blockchain and AIAhmed Banafa
The first 29 pages of my book "Secure and Smart IoT Using Blockchain and AI " Including Forward, Preface, Table of Contents , list of Figures, and Chapter 1. https://www.amazon.com/Secure-Smart-Internet-Things-IoT/dp/8770220301/
Beyond the hype and the media-fueled apocalyptic scenarios, let's analyze what A.I really
means for the future of the industrial world.
I'll demystify what’s beyond the buzzwords of the moment, and have a close look at A.I,
Blockchain and IoT, illustrated with some real-world use-cases.
I'll finally propose a few scenarios where these three technologies could converge into the 3rd era of the Internet.
EVRYTHNG created this white paper for the Blockchain Research Institute. The goal was to explore what blockchain technology can (and cannot) do for the the Internet of Things (IoT). The IoT is where the rubber meets the road for blockchain after all. Beyond the purely digital applications of finance, communication and intellectual property rights management lies the physical world where trillions of objects will be connected — connecting, communicating and exchanging value without human intervention.
Iot security requirements will reshape enterprise it security programsMarket Engel SAS
IoT security requirements will reshape enterprise IT security programs
The power of objects in the Internet of Things (IoT) to change the state of environments — in addition to generating information — will cause chief information security officers (CISOs) to redefine the scope of their security efforts beyond present responsibilities, according to Gartner.
FinTech is just short for financial technology and it refers to the application of technology in the financial industry. On the other hand, blockchain refers to the distributed ledger technology behind cryptocurrencies; it allows digital information to be distributed and each piece of data can only have one owner.
Secure and Smart IoT using Blockchain and AIAhmed Banafa
The first 29 pages of my book "Secure and Smart IoT Using Blockchain and AI " Including Forward, Preface, Table of Contents , list of Figures, and Chapter 1. https://www.amazon.com/Secure-Smart-Internet-Things-IoT/dp/8770220301/
Beyond the hype and the media-fueled apocalyptic scenarios, let's analyze what A.I really
means for the future of the industrial world.
I'll demystify what’s beyond the buzzwords of the moment, and have a close look at A.I,
Blockchain and IoT, illustrated with some real-world use-cases.
I'll finally propose a few scenarios where these three technologies could converge into the 3rd era of the Internet.
EVRYTHNG created this white paper for the Blockchain Research Institute. The goal was to explore what blockchain technology can (and cannot) do for the the Internet of Things (IoT). The IoT is where the rubber meets the road for blockchain after all. Beyond the purely digital applications of finance, communication and intellectual property rights management lies the physical world where trillions of objects will be connected — connecting, communicating and exchanging value without human intervention.
User Experience of AI - How to marry the two for ultimate success?Koru UX Design
Want UX and AI to mean more than just buzz words? Download our whitepaper on how to combine the two to create scalable enterprise products at a fast pace. Learn from real-life examples on how smart adoption solved crucial business challenges across various industries. Download now using this link, https://www.koruux.com/uxfreebies/ux-of-ai/
The Blockchain Wave in 2019 and BeyondAhmed Banafa
We’re still in the early days of Blockchain as a technology, and so we’re yet to see the full impact that it will have on the world that we live in. Still, it’s already showing potential across a range of industries and started to enter the public consciousness, so the real question is what will happen when Blockchain technology starts to mature.
Emerging technologies such as artificial intelligence (AI) have a huge impact on our economy. Despite the glimmering potential it seemed to offer for many businesses, not every company benefit from it. In this presentation, we'll share the considerations and strategies that business leaders should bear in mind before jumping on the bandwagon to avoid the pitfalls of a "shiny toy syndrome".
The following list of predictions (Figure 1) explores the state of IoT in 2019 and covering IoT impact on many aspects business and technology including Digital Transformation, Blockchain, AI, and 5G.
Ethereum: A decentralized software platform for people and thingsAlexander Hirner
Blockchain 2.0 technologies promise to be the new layer for federated and accountable networks. At the Global IoT day 2015, I presented the motivation for decentralized but data-based business models and where / where not Ethereum fits into this picture.
Video: https://youtu.be/EGrFZuTrVKg?t=39s
IoT and Blockchain Challenges and RisksAhmed Banafa
The biggest challenge facing IoT security is coming from the very architecture of the current IoT ecosystem; it’s all based on a centralized model known as the server/client model. All devices are identified, authenticated and connected through cloud servers that support huge processing and storage capacities. The connection between devices will have to go through the cloud, even if they happen to be a few feet apart. While this model has connected computing devices for decades and will continue to support today IoT networks, it will not be able to respond to the growing needs of the huge IoT ecosystems of tomorrow.
Second line of defense for cybersecurity : BlockchainAhmed Banafa
With the fact that cybercrime and cyber security attacks hardly seem to be out of the news these days and the threat is growing globally.
Nobody would appear immune to malicious and offensive acts targeting computer networks, infrastructures and personal computer devices.
Firms clearly must invest to stay resilient.
Gauging the exact size of cybercrime and putting a precise US dollar value on it is nonetheless tricky.
Smart City Lecture 1: How to build a Smart CityPeter Waher
The Smart City series of lectures span the fundamental ideas, visions and the technologies related to the development of services for the Smart City (or Society) and the Internet of Things.
Before building a Smart City, we must agree on what a Smart City is, or could be. This lecture presents a concrete vision for what a Smart City is. We will work through some immediate conclusions. This will help us define some basic requirements on architecture and infrastructure, vital to create a scalable and resilient Smart City. With a focus on decentralized and federated architectures, new standardization efforts are presented that provide a basis for interoperability in the Smart City.
Coalition of IoT and Blockchain: Rewards and Challengesanupriti
IoT and Blockchain are two evolving technologies which are gradually realizing immense potential to be a decisive part of future of mankind ecosystem. Blockchain and IoT, both are envisaged to bring in a plethora of advantages including better control, communication, transparency and more significantly realizing digital trust without any third party intervention. Both of these technologieshave immense potential for exploitation in a smart nation concept. The advantages being realized are potent enough for definite implementation ahead but they come with an austere package of security concerns which if not taken care at the design stage can lead to pandemonium beyond control because of the billion plus connected things. Even atdesign stage, one can appreciate that it will be envisaging beyond control to close all security vulnerabilities and zero day’s exploits of future. But then Blockchain is an inexpugnable solution to shut all these securities imperils. This paper builds upon the advantages of the union of these two evolving technology behemoths, their union and solutions vide Blockchain to the challenges in the way ahead
Blockchain, the "distributed ledger" technology, has emerged as an object of intense interest in the tech industry and beyond.
Blockchain technology offers a way of recording transactions or any digital interaction in a way that is designed to be secure, transparent, highly resistant to outages, auditable, and efficient; as such, it carries the possibility of disrupting industries and enabling new business models.
Blockchain applications demand standard testing such as functional performance, integration, and security testing. In addition, testing teams must have these specialized testing capabilities including Smart Contracts testing and Node Testing. know how differently each industry is influencing Blockchain Testing capabilities.
CAN BLOCKCHAIN BE A SOLUTION TO IOT TECHNICAL AND SECURITY ISSUESIJNSA Journal
The Internet of Things (IoT) is a growing trend in technology that interconnects millions of physical devices from any location anytime. Currently, IoT devices have become an integral part of human lives, as such organizations are deeply concerned with its security and technical issues. Blockchain system comprises a distributed digital ledger which is shared among community of users on the Internet; validated and recorded transactions in the ledger which cannot be altered or removed. We presented the challenges of IoT devices and how blockchain can be used to alleviate these problems. An outline of how to integrate blockchain with IoT was tackled, highlighting the challenges of IoT and how blockchain can remedy the issues. It was concluded that blockchain has the capability to curb the challenges posed by IoT devices.
In this presentation, we discuss the difference between public, private and hybrid cloud; the best practices to use cloud; how to optimise cost and the future of technology.
Many organizations are scrambling to hop onto the bandwagon to migrate their data to cloud. However, cloud migration can potentially expose enterprises to risks of cyber attacks if they are unprepared. How can service providers protect their assets while reaping the benefits of cloud technology?
Fog computing security and privacy issues, open challenges, and blockchain so...IJECEIAES
Due to the expansion growth of the IoT devices, Fog computing was proposed to enhance the low latency IoT applications and meet the distribution nature of these devices. However, Fog computing was criticized for several privacy and security vulnerabilities. This paper aims to identify and discuss the security challenges for Fog computing. It also discusses blockchain technology as a complementary mechanism associated with Fog computing to mitigate the impact of these issues. The findings of this paper reveal that blockchain can meet the privacy and security requirements of fog computing; however, there are several limitations of blockchain that should be further investigated in the context of Fog computing.
IoT's rapid evolution marks the next stage in the innovation economy - White ...Technicolor
Like many new technology trends – such as Big Data or Cloud
Computing – that have captured the imagination of consumers
and business executives alike, the Internet of Things, or IoT,
has become a bit like a “Rorschach Test.” People see what they
want to see with the term is invoked.
To be fair, IoT lends itself to this tendency, because the concept
is so incredibly big, and its implications so deep. At its root IoT
is about devices talking to each other without human intervention
using the internet protocol. But this alone would cleanly fall into
the category of machine-to-machine (M2M) communications.
“When you look at what’s happening with IoT devices, explains
Danny Lousberg, Director of Product Management for Qeo
at Technicolor, “you will see a huge effort to create a vertical
ecosystem in which a specific device is communicating with a
specific back-end server that lives somewhere in the cloud to
tackle a specific use case for the user. And that means these
devices all are battling for a piece of mindshare and eyeballs.”
“The Internet of Things is inherently different from M2M
communication because M2M is really meant to solve large-scale
problems for a big group of devices that are all trying to work
together in a larger environment that is not necessarily controlled
by the end user.”
What makes IoT truly powerful is when M2M is linked to Mobility,
Big Data, Cloud Computing and other critical elements in today’s
modern technology infrastructure to empower and provide
options to end-users.
“From my perspectives, it will be virtually impossible to view these
technological paradigms independent of each other and from IoT,”
says Kurt Jonckheer, General Manager, Virdata, and VP, Strategic
Projects, Technicolor.
“The promise of IoT is that devices and appliances of all sorts
will, without human interference, interact with each other to
create a better experience for users by engaging in things like
self-diagnosis, harnessing event-driven actions that enhance
the human experience, or simply reduce costs in an intelligent
and automated manner.”
This combination of technologies is already generating billions
of dollars in revenue. Trillions more will be triggered as
businesses come to grips with the true potential of IoT.
Webinar - Feel Secure with revolutionary OTM SolutionJK Tech
Learn how you can adopt to use the best Security Mechanisms which leverages unmatched combination of behavioral analysis, machine learning & dynamic threat intelligence to deliver comprehensive rich visibility, holistic threat detection & containment of threats in real-time.
VMworld 2013: Security Automation Workflows with NSX VMworld
VMworld 2013
Gargi Keeling, VMware
Don Wood, McKesson
Troy Casey, McKesson
Learn more about VMworld and register at http://www.vmworld.com/index.jspa?src=socmed-vmworld-slideshare
User Experience of AI - How to marry the two for ultimate success?Koru UX Design
Want UX and AI to mean more than just buzz words? Download our whitepaper on how to combine the two to create scalable enterprise products at a fast pace. Learn from real-life examples on how smart adoption solved crucial business challenges across various industries. Download now using this link, https://www.koruux.com/uxfreebies/ux-of-ai/
The Blockchain Wave in 2019 and BeyondAhmed Banafa
We’re still in the early days of Blockchain as a technology, and so we’re yet to see the full impact that it will have on the world that we live in. Still, it’s already showing potential across a range of industries and started to enter the public consciousness, so the real question is what will happen when Blockchain technology starts to mature.
Emerging technologies such as artificial intelligence (AI) have a huge impact on our economy. Despite the glimmering potential it seemed to offer for many businesses, not every company benefit from it. In this presentation, we'll share the considerations and strategies that business leaders should bear in mind before jumping on the bandwagon to avoid the pitfalls of a "shiny toy syndrome".
The following list of predictions (Figure 1) explores the state of IoT in 2019 and covering IoT impact on many aspects business and technology including Digital Transformation, Blockchain, AI, and 5G.
Ethereum: A decentralized software platform for people and thingsAlexander Hirner
Blockchain 2.0 technologies promise to be the new layer for federated and accountable networks. At the Global IoT day 2015, I presented the motivation for decentralized but data-based business models and where / where not Ethereum fits into this picture.
Video: https://youtu.be/EGrFZuTrVKg?t=39s
IoT and Blockchain Challenges and RisksAhmed Banafa
The biggest challenge facing IoT security is coming from the very architecture of the current IoT ecosystem; it’s all based on a centralized model known as the server/client model. All devices are identified, authenticated and connected through cloud servers that support huge processing and storage capacities. The connection between devices will have to go through the cloud, even if they happen to be a few feet apart. While this model has connected computing devices for decades and will continue to support today IoT networks, it will not be able to respond to the growing needs of the huge IoT ecosystems of tomorrow.
Second line of defense for cybersecurity : BlockchainAhmed Banafa
With the fact that cybercrime and cyber security attacks hardly seem to be out of the news these days and the threat is growing globally.
Nobody would appear immune to malicious and offensive acts targeting computer networks, infrastructures and personal computer devices.
Firms clearly must invest to stay resilient.
Gauging the exact size of cybercrime and putting a precise US dollar value on it is nonetheless tricky.
Smart City Lecture 1: How to build a Smart CityPeter Waher
The Smart City series of lectures span the fundamental ideas, visions and the technologies related to the development of services for the Smart City (or Society) and the Internet of Things.
Before building a Smart City, we must agree on what a Smart City is, or could be. This lecture presents a concrete vision for what a Smart City is. We will work through some immediate conclusions. This will help us define some basic requirements on architecture and infrastructure, vital to create a scalable and resilient Smart City. With a focus on decentralized and federated architectures, new standardization efforts are presented that provide a basis for interoperability in the Smart City.
Coalition of IoT and Blockchain: Rewards and Challengesanupriti
IoT and Blockchain are two evolving technologies which are gradually realizing immense potential to be a decisive part of future of mankind ecosystem. Blockchain and IoT, both are envisaged to bring in a plethora of advantages including better control, communication, transparency and more significantly realizing digital trust without any third party intervention. Both of these technologieshave immense potential for exploitation in a smart nation concept. The advantages being realized are potent enough for definite implementation ahead but they come with an austere package of security concerns which if not taken care at the design stage can lead to pandemonium beyond control because of the billion plus connected things. Even atdesign stage, one can appreciate that it will be envisaging beyond control to close all security vulnerabilities and zero day’s exploits of future. But then Blockchain is an inexpugnable solution to shut all these securities imperils. This paper builds upon the advantages of the union of these two evolving technology behemoths, their union and solutions vide Blockchain to the challenges in the way ahead
Blockchain, the "distributed ledger" technology, has emerged as an object of intense interest in the tech industry and beyond.
Blockchain technology offers a way of recording transactions or any digital interaction in a way that is designed to be secure, transparent, highly resistant to outages, auditable, and efficient; as such, it carries the possibility of disrupting industries and enabling new business models.
Blockchain applications demand standard testing such as functional performance, integration, and security testing. In addition, testing teams must have these specialized testing capabilities including Smart Contracts testing and Node Testing. know how differently each industry is influencing Blockchain Testing capabilities.
CAN BLOCKCHAIN BE A SOLUTION TO IOT TECHNICAL AND SECURITY ISSUESIJNSA Journal
The Internet of Things (IoT) is a growing trend in technology that interconnects millions of physical devices from any location anytime. Currently, IoT devices have become an integral part of human lives, as such organizations are deeply concerned with its security and technical issues. Blockchain system comprises a distributed digital ledger which is shared among community of users on the Internet; validated and recorded transactions in the ledger which cannot be altered or removed. We presented the challenges of IoT devices and how blockchain can be used to alleviate these problems. An outline of how to integrate blockchain with IoT was tackled, highlighting the challenges of IoT and how blockchain can remedy the issues. It was concluded that blockchain has the capability to curb the challenges posed by IoT devices.
In this presentation, we discuss the difference between public, private and hybrid cloud; the best practices to use cloud; how to optimise cost and the future of technology.
Many organizations are scrambling to hop onto the bandwagon to migrate their data to cloud. However, cloud migration can potentially expose enterprises to risks of cyber attacks if they are unprepared. How can service providers protect their assets while reaping the benefits of cloud technology?
Fog computing security and privacy issues, open challenges, and blockchain so...IJECEIAES
Due to the expansion growth of the IoT devices, Fog computing was proposed to enhance the low latency IoT applications and meet the distribution nature of these devices. However, Fog computing was criticized for several privacy and security vulnerabilities. This paper aims to identify and discuss the security challenges for Fog computing. It also discusses blockchain technology as a complementary mechanism associated with Fog computing to mitigate the impact of these issues. The findings of this paper reveal that blockchain can meet the privacy and security requirements of fog computing; however, there are several limitations of blockchain that should be further investigated in the context of Fog computing.
IoT's rapid evolution marks the next stage in the innovation economy - White ...Technicolor
Like many new technology trends – such as Big Data or Cloud
Computing – that have captured the imagination of consumers
and business executives alike, the Internet of Things, or IoT,
has become a bit like a “Rorschach Test.” People see what they
want to see with the term is invoked.
To be fair, IoT lends itself to this tendency, because the concept
is so incredibly big, and its implications so deep. At its root IoT
is about devices talking to each other without human intervention
using the internet protocol. But this alone would cleanly fall into
the category of machine-to-machine (M2M) communications.
“When you look at what’s happening with IoT devices, explains
Danny Lousberg, Director of Product Management for Qeo
at Technicolor, “you will see a huge effort to create a vertical
ecosystem in which a specific device is communicating with a
specific back-end server that lives somewhere in the cloud to
tackle a specific use case for the user. And that means these
devices all are battling for a piece of mindshare and eyeballs.”
“The Internet of Things is inherently different from M2M
communication because M2M is really meant to solve large-scale
problems for a big group of devices that are all trying to work
together in a larger environment that is not necessarily controlled
by the end user.”
What makes IoT truly powerful is when M2M is linked to Mobility,
Big Data, Cloud Computing and other critical elements in today’s
modern technology infrastructure to empower and provide
options to end-users.
“From my perspectives, it will be virtually impossible to view these
technological paradigms independent of each other and from IoT,”
says Kurt Jonckheer, General Manager, Virdata, and VP, Strategic
Projects, Technicolor.
“The promise of IoT is that devices and appliances of all sorts
will, without human interference, interact with each other to
create a better experience for users by engaging in things like
self-diagnosis, harnessing event-driven actions that enhance
the human experience, or simply reduce costs in an intelligent
and automated manner.”
This combination of technologies is already generating billions
of dollars in revenue. Trillions more will be triggered as
businesses come to grips with the true potential of IoT.
Webinar - Feel Secure with revolutionary OTM SolutionJK Tech
Learn how you can adopt to use the best Security Mechanisms which leverages unmatched combination of behavioral analysis, machine learning & dynamic threat intelligence to deliver comprehensive rich visibility, holistic threat detection & containment of threats in real-time.
VMworld 2013: Security Automation Workflows with NSX VMworld
VMworld 2013
Gargi Keeling, VMware
Don Wood, McKesson
Troy Casey, McKesson
Learn more about VMworld and register at http://www.vmworld.com/index.jspa?src=socmed-vmworld-slideshare
Jennifer worked for Sutter County Superintendent of Schools Office & the Sutter County One Stop as a Career Advisor & trainer for about eight years. During that time she provided assistance to youth & adults in work readiness activities (i.e. career and job fairs), workshops & counseling services. Additionally, she acted as a liaison to connect business & education throughout the community. She also provided this resume and cover letter training to Beale AFB for a couple of years. This training for those who were about to separate from the military. She now lives and works in UT as an educator.
Digital certificates provide advanced instruments for confirming identities in electronic environments. The application of digital certificates has been gaining global acceptance both in public and private sectors. In fact, the government field has witnessed increasing adoption of cryptographic technologies to address identity management requirements in cyberspace. The purpose of this article is to provide an overview of various governmental scenarios on the usage and application of digital certificates in the United Arab Emirates. The UAE government integrated public key infrastructure (PKI) technology into its identity management infrastructure since 2003. The article also explores the UAE digital identity issuing authority's position regarding government-to-government transactions and the prospective role of digital certificates.
ISO/IEC 20000 is a worldwide service management standard that describes the implementation of an integrated process approach for the delivery of services. It consists of a set of minimum requirements to audit an organization against effective Service Management. The standard promotes the adoption of an integrated process approach to effectively deliver managed services to meet the business and customer requirements.
This white paper introduces the reader to what the standard is all about and why organizations choose to meet is requirements. It also describes the certification process and it has useful hints, tips and links.
The ultimate guide to digital signaturesCoSign by ARX
Studies reveal that establishing a paperless
environment helps companies reduce
document-related costs by 40% or more.
Paperless offices mean money saved with
direct benefits to the bottom-line
6th Edition Veterans Resources Guide - April 2016Talia Wesley
This is the 6th Veterans Resource Guide which is not only dedicated to all Active Duty, Veterans (Female & Male), Families, Significant other and Parents.
The index covers everything from Employment, Mental Health Resources, Reserve Component, Legal, Home Buying to MAC Travel.
Great Resource for individuals to professionals working with veterans and their families.
It's FREE and downloadable.
Here in this blog forum, I am going to confer about the need for shifting from manual signature to digital signature through digital signature certificate.
Crossing the Rubicon: Digital Signatures and Digital TransformationLarry Kluger
Digital signatures are the perfect tool for digital transformation of your organization. Open, standard digital signatures enable you to easily create truly paperless business processes. With digital signatures, your pdf's and other document types include the digital signature, there is no need to rely on a third signature company for signature verification. Your digitally signed pdf, itself, serves as your original document. Its signatures may be verified by using the free PDF Reader or other applications. Open digital signatures ensure no lock-in and full interoperability between signature applications from multiple vendors.
Digital Signatures for E-tendering -DrySign by ExelaDrysign By Exela
DrySign, a digital solution software for accelerating e-tendering processes, assures crystal clear transparency and a high level of security for your tenders.
En ebook-digital-signature-for-the-remote-workplaceNiranjanaDhumal
Digital signature workflows can help businesses ensure efficiency without the need to set foot in the office. Although the need for remote business process support has existed for years
Creation & Verification of Digital Signature using Adobe AcrobatPalash Mehar
Digital Signature-
Creation & Verification of Digital Signature using Adobe Acrobat
Digital Signature Certificate:-A digital certificate or a digital signature certificate(DSC) is a digital record of credentials of an individual or an organization. It verifies the ingenuity of an entity involved in an online transaction.
*Digital Signature Standard:-Digital Signature Standard (DSS) is the digital signature algorithm (DSA) developed by the U.S. National Security Agency (NSA) to generate a digital signature for the authentication of electronic documents. DSS was put forth by the National Institute of Standards and Technology (NIST) in 1994, and has become the United States government standard for authentication of electronic documents. DSS is specified in Federal Information Processing Standard (FIPS).
*Creation of digital signature using Adobe Acrobat
*Verification of digital signature using Adobe Acrobat
Trust in E- and M-Business - Advances Through IT-SecurityOliver Pfaff
SACIS Conference 2002. Istanbul, Turkey
E- and M-Business are mega-trends that create new business opportunities and provide potentials to optimize existing processes. These prominent notions stand for the digital representation of business processes.
Organizations that implement such electronic business processes want to enable ubiquitous access to their services for suppliers, partners, and customers. To achieve this goal, public network infrastructure, e.g. the Internet and wireless networks, are integrated.
Business is based on the principle of trust. Trust services such as authentication, authorization, non-repudiation, and privacy are well established in traditional business. The implementation of digitalized business processes over public network infrastructure requires to adequately transform such trust services into the digital world.
This presentation examines IT-security technologies to achieve digital trust services that are required for E-/M-Business.
An Efficient implementation of PKI architecture based Digital Signature using...IOSR Journals
Abstract: Digital Signature technique is widely being used to detect unauthorized modification to data and to
authenticate the identity of the signatory. It is essential for secure transaction over unsecure/ open networks.
Digital Signature schemes are mostly used in cryptographic protocols to provide services like entity
authentication, authenticated key transport and key agreement. The PKI (Public Key Infrastructure) based
digital signature architecture is related with RSA algorithm and secure Hash functions (MD5 &, SHA variants).
RSA digital signature algorithm is an asymmetric cryptographic method whose security is associated with
difficulty of factorization and hash function is applied to the message to yields a fixed-size message digest. This
paper explores the PKI architecture based digital signature and presents an efficient way of its implementation
and discusses various issues associated with signature schemes based upon RSA and hash functions. The results
show that signing and verification are much faster in the developed application.
Keywords: Digital Signature, MD5, RSA, SHA1, SHA2
An Introduction to Authentication for ApplicationsUbisecure
This whitepaper is an ideal introduction on authentication categories and their suitability to different requirements. Recommended reading to anyone who wants to get more familiar with online authentication.
Similar to Digital signatures, paving the way to a digital Europe_Arthur D Little_2014 (20)
The MODI Health Station empowers people and organizations to comply with health authorities' anti-COVID pandemic requirements. The Health Station features automated and intelligent capabilities to register the wearing of a mask, the disinfection of hands, the measurement of forehead temperature, respect of social distancing, the number of people inside a limited space, etc. It targets hospitals, care homes, event spaces and venues, hotels, restaurants or other places required to comply with common anti-COVID measures and policies. For more information, please connect to https://www.modivision.net/
La Société
ÆVATAR®.coop, une Société Coopérative d’Intérêt Collectif, conçoit, produit et opère une plateforme coopérative de gestion d’identité numérique basée sur la Blockchain. Accessible via une application dont l’accès est sécurisé par la prise d’un selfie, la plateforme permet la création, par son utilisateur, d’un porte-identités (ID wallet) mobile. La plateforme est conçue pour faciliter la conformité des entreprises aux exigences des réglementations sur la protection des données personnelles (GDPR, PSD2/AML4, eIDAS..).
La Solution
La solution Ævatar inclut trois produits : 1. MyÆvatar, une application de porte-identité qui génère des tokens biométriques valables qu’une seule fois (Biometric-One-Time-Token, BOTT), pour authentifier de façon forte et facile les citoyens dans leurs transactions de la vie quotidienne, 2. Ævatar Enterprise, une API ouverte, conforme aux environnements IAM du marché, qui gère les interactions entre l’application MyÆvatar et les serveurs des entreprises, et 3. MyÆvatar Room, un coffre-fort de données personnelles qui reste sous le contrôle exclusif de l’utilisateur.
La Plateforme
La plateforme Ævatar fédère les meilleures technologies de CyberSécurité et de CyberPrivacy du marché en termes de biométrie (ID3), de gestion de la vie privée (CryptoExperts, leader de ABC4Trust), de traçabilité des données (Advanced Track & Trace), de contrôle d’accès physique (MODIvision), de validation de documents officiels (SURYS/KEESING) ou de technologie Blockchain…
Les Applications clés
Selfie & Pay : Pour faire un transfert d'argent, l'émetteur choisit son destinataire et saisit un montant. Si les fonds sont dans son wallet mobile, l'Ævatar prend un selfie, génère un 'Biometric-One-Time-Token ou "BOTT", signe la transaction et l'envoie. L'Ævatar du destinataire la reçoit et la signe par un BOTT, et crédite son porte-monnaie.
Selfie & Go : A l'entrée du magasin, le consommateur prend un selfie qui affiche un QR code à appliquer sur un lecteur. Le consommateur scanne ses articles, valide et signe ses achats par un selfie et quitte le magasin. La caméra du magasin confirme que le selfie du QR code correspond bien à celui du consommateur.
Selfie & Board : Quand il achète son titre de transport, le voyageur prend un selfie qui s'intègre dans le QR code de son eTicket. A l'eGate, la caméra CCTV fait un 'match' entre le visage du voyageur et le selfie qui est enfouit dans le QR code de son eTicket.
Les Dirigeants
Les dirigeants d'Ævatar sont des experts de la gestion des identités et des données, tant en termes de conception, d’architecture et de plateformes (David ROBERT), de sécurité et de conformité réglementaire (Nathalie LAUNAY), de développement commercial international (Frédéric ENGEL), d'intelligence artificielle (Serge KRYWYK), que d'intégration dans la Blockchain (Philippe HONIGMAN).
La Compañía
ÆVATAR®.coop, una Compañía de Beneficio Social, diseña, produce y maneja una plataforma cooperativa Blockchain dedicada al manejo de la identidad digital y data. Accesada de manera segura via una selfie, la app Ævatar permite la creación, a su usario, de su cartera móvil con identidad digital, i.e. IDwallet. La plataforma está diseñada para facilitar a las empresas el cumplimiento de los requisitos regulatorios de la protección de data personal (GDPR, PSD2/AML4 o eIDAS).
La solución
La solución Ævatar incluye tres productos: 1. My Ævatar, una IDwallet app que genera tokens biométricos de una sola vez, sin fricción (biometric-one-time-tokens, BOTT) para autenticar a los ciudadanos de manera fuerte en sus transacciones de la vida diaria, 2. Ævatar Enterprise, una API abierta que maneja las interacciones entre la app Ævatar y los servidores de las empresas que manejan el acceso y la identidad estandard, y 3. MyÆvatar Room, una caja de seguridad de datos (Personal Data Store, PDS) que siempre está bajo el control exclusivo de su usuario.
La plataforma
La plataforma Ævatar integra lo mejor de las tecnologías en cyberseguridad y cyberprivacidad en términos de biométricas (ID3), manejo de privacidad (CryptoExperts, el lider de la iniciativa «ABC4Trust»), el seguimiento de datos (Advanced Track and Trace), control de accesso físico (MODIvision), validación de documentos oficiales (SURYS/KEESING) y tecnologia Blockchain…
Las Aplicaciones
Selfie & Pay: Para procesar una transferencia de dinero, quien envía selecciona al receptor y teclea la cantidad. Si hay fondos disponibles en su cartera, la app Ævatar toma una selfie, genera un 'Biometric-One-Time-Token o "BOTT", firma y envía la transacción. El Ævatar del receptor recive la transacción, la firma con un “BOTT”, y se acredita a su cartera.
Selfie & Go: Al ir de compras, el consumidor toma una selfie Ævatar que muestra el codigo QR para que se escanee en la entrada de la tienda. El consumidor Ævatar escanea sus productos, valida la cantidad, firma su compra con una selfie y se va de la tienda. La camara CCTV de la tienda confirma que el codigo QR selfie Ævatar corresponda con la caja del consumidor.
Selfie & Board: Al comprar su boleto, el pasajero toma una selfie Ævatar que integra en sí mismo el codigo QR de su boleto. En la puerta, la camara CCTV compara la cara del pasajero y se asegura de que corresponda con la selfie Ævatar que se muestra en el lector del codigo QR del boleto del pasajero.
El Equipo Directivo
El equipo directivo de Ævatar incluye expertos en Identidad y Plataformas de Datos de todas las meneras posibles, incluyendo manejo (David ROBERT), seguridad (Nathalie LAUNAY), desarollo de negocios (Frederic ENGEL), inteligencia artificial (Serge KRYWYK) y integración con tecnologías Blockchain (Philippe HONIGMAN).
1er Baromètre de la_transformation_digitale_CSC_2015_Les secrets des super he...Market Engel SAS
Baromètre de la transformation digitale - Les secrets des Super Héros du Digital - CSC 2015. Le Baromètre de la Transformation Digitale est une étude réalisée pour la 1ère année par
CSC. Il est basé sur une analyse qualitative et quantitative des tendances et perspectives en matière de transformation digitale auprès de PDG et directeurs généraux, directeurs du digital, directeurs marketing, commercial, distribution, qualité et relation client, DSI, directeurs de la stratégie, directeurs financiers et DRH appartenant à un échantillon d'entreprises principalement françaises. Ces dirigeants ont été interrogés sur les impacts du digital en termes de stratégie de développement, de positionnement de leur organisation, d'évolution de leur portefeuille d'offres, d'adaptation de leur dispositif en matière d'expérience et relation client, de degré de digitalisation de leurs processus opérationnels et de support, de développement d'une culture digitale auprès de leurs collaborateurs et d'intégration des ruptures technologiques associées. Le questionnaire a été conçu et administré par CSC via un formulaire diffusé sur internet (Google Forms) auprès de 15 000 contacts, sur les mois de novembre et décembre 2014. "Business models" disruptifs, usages des produits en constante (r)évolution, expérience client renouvelée, acculturation des collaborateurs, digitalisation des processus dans une logique d'efficacité opérationnelle, exploitation en continu des technologies de nouvelle génération : autant de composantes du changement sur lesquelles les super héros du digital jouent pour mettre en oeuvre des stratégies de transformation véritablement en rupture, offensives, pérennes et rentables.
Iot report federal trade commission_150127iotrptMarket Engel SAS
I publish this FTC report on IOT because i think that it's a good report and it has also been -- i think -- wrongly been seen as potentially bashing IOT potentials. See, for example, an article published yesterday "From www.theverge.com - February 15, 11:24 PM
'In the internet of things, the Federal Trade Commission sees the possibility of flourishing new markets. But it also sees a prologue to Black Mirror: in a new report that probes the privacy implications of connected devices, the commission surveys a landscape of possible dystopian futures. Get ready for invasive marketing, unending consumer surveillance, invisible nudging, and new potential for government spying and novel forms of hacking...'"
The FTC report is 55 page long, refers to workshops discussions that took place in nov 2013, and although the report stages pros and cons in a very articulated manner, the FTC applies to IOT the security & privacy guidelines and other 'good practices' that have been applied to internet-of-other-things, :-), so far. So, i think that we need to be super cautious about these discussions: Yes, the IOT generates challenges with which we may not yet be familiar with. But not really more. And let's remember that, unless we haven't learned about basic security risks, we are still in a position to say 'no' if the risks look bigger than the opportunities. Many say that 'privacy' -- as we've known it on the net 10 years ago -- is gone. Maybe. Things evolve. But at this stage, i think that no, IOT won't kill privacy. It might actually be the contrary. Let's think that, thx to IOT, i'll be more capable to change the way i work, live, pay and play online and offline. Let's say that, thx to IOT, my assurance level(s) against risks of -- for example -- ID theft and impersonation does rise. Let's believe that, thx to IOT, we just become more and better aware of what matters and does not,, so that we have the tools and the systems to better manage our environment. To make a long story short, let's just recall that IOT technology is just like any other technology: It is neutral. What is not neutral is its use. So, this is why i believe that there is, with IOT, more opportunities than risks to strengthen the privacy of our environment... provided that -- yes, i agree -- we (also) think IOT this way. My 2cts. fred.
About SIGFOX
SIGFOX is the first and only operator of a cellular network fully dedicated to low throughput communication for connected objects. Leveraging on its patented UNB technology SIGFOX brings a revolution to the M2M and Internet of Things world by enabling large-scale connection of objects. The network already connects tens of thousands of objects in France and international cities.
SIGFOX provides an end-to-end solution for your communication chain, from your objects through to your information system, with unprecedented pricing models and low energy consumption.
As a network operator SIGFOX operates fixed-location
transceivers enabling your objects to be connected “out of the box”. However contrary to the telecommunication networks, the SIGFOX transceivers and the entire SIGFOX connectivity solution has been developed, built and deployed to only serve the low throughput M2M and IoT applications. As an operated longrange network, SIGFOX provides connectivity without the need to deploy specific network infrastructures for each application.
Unlike other narrow band or white space solution providers we do not require our customers to invest in network equipment, the SIGFOX network is simply available to any object equipped with our certified connectivity solutions.
From an application point of view, the SIGFOX connectivity solution functions as follows:
• SIGFOX compatible modems are integrated within the physical objects by our certified partner network
• The objects instruct the modems to send messages whenever and wherever needed
• The transmitted data is picked up by the SIGFOX transceivers, and routed to our managed service
• The SIGFOX servers verify the data integrity and route the messages to the application’s IT system.
(...)
Sample use cases.
MAAF Assurances, one of the leading French insurance companies, anticipate the upcoming regulation that will impose by 2015 that each household be equipped with a smoke detector. The fire and/or intrusion alert service that will be using the SIGFOX network will enable MAAF insured customers to be warned directly through SMS, in case the intrusion or smoke detectors send alarms and allow MAAF and their customers to be alerted if there is an anomaly, such as low battery, with the
smoke detector.
Clear Channel Outdooroperates stations throughout France. In order to avoid constant manual inspection of the ad stations, a remote monitoring application has been deployed and the SIGFOX network is used to communicate status information from each ad station to the IT system.
For further info:
• contact@sigfox.com
• www.sigfox.com
The mobile industry has scaled dramatically over the
last decade. At the end of 2003, there were a little over
one billion unique subscribers, meaning that just under
one in six people had subscribed to a mobile service. By
the end of 2013 this figure had increased to 3.4 billion
unique subscribers: equivalent to just under half of the
global population. Globally there were 6.9 billion SIM
connections at the end of 2013, with an average of 1.8
active SIM cards per unique subscriber*
.
Today's employees most wanted tools_Ricoh's surveyMarket Engel SAS
Imagine a truly innovative business world where advanced automated technology and supporting processes are the norm... We did just that and spoke with European employees to discover their vision for the future workplace. 78% of employees predict that by 2036 their workplace will be transformed by technology and processes that do not even exist today. 87% of employees believe that with the right process around it, advanced technology will positively impact profitability. Benefits to tech evolution include : 1. Optimising core business processes, 2. Having better access to information, 3. The ability to get their job done faster. 59% of employees predict that within the next 20 years holograms will feature in their workplace. Internal collaboration platforms (first with 29%), web-based meetings (second, with 23%) and follow-me printing (third with 22%) are the top three rated systems that employees currently do not use, but want to, in order to make their job more valuable today.
Electronic Signature markets and vendors_Forrester Wave_Q2_2013Market Engel SAS
Key Takeaways:
1. E-Signature Technology Gains Momentum
Electronic signatures are gaining momentum due to rapidly evolving consumer technology and the need to reduce transaction costs and the time to close business. In short, electronic signing will become simpler, more accessible, and cheaper with more tablets and touchscreen computers.
2. Enterprise E-Signature Requirements Show Substantial Diversity.
This report details our findings about how well each vendor fulfills the wide range of enterprise e-signature requirements that stem from compliance, geographic, and customer experience differences. This report helps enterprise architects select the right e-signature solution.
3. Well Balanced Leaders Drive The Market.
In Forrester’s 18-criteria evaluation of e-signature vendors, we compared the 10 most significant software providers in the category -- Adobe, ARX, AssureSign, DocuSign, eSignSystems, RightSignature, RPost, Sertifi, SIGNiX, and Silanis.
KPMG cree un pole dedie a l’activite Franchise et Reseaux Market Engel SAS
KPMG crée un pôle dédié à l’activité « Franchise et Réseaux »
KPMG, premier groupe français de services pluridisciplinaires (audit, expertise‐comptable, conseil,
droit, fiscalité), crée un département dédié à la franchise et aux réseaux, sous la responsabilité de
Jean‐Marc Aubault, Associé KPMG et Membre du collège des Experts à la Fédération Française de
la Franchise.
« Notre activité croissante auprès des franchiseurs et des franchisés nous a conduit à structurer une
équipe consacrée à la franchise et aux réseaux », commente Jean‐Marc Aubault.
KPMG compte 217 bureaux en France et plus de 7500 collaborateurs. Fort de son expérience, de son
maillage régional et de sa connaissance du tissu économique local, le cabinet offre, grâce ses équipes
dédiées dans chaque région, un conseil de proximité adapté à la structure et aux besoins des
réseaux. Virginie Sablé, Responsable Développement de la Filière Franchise et Réseaux, travaille en
étroite collaboration avec Jean‐Marc Aubault afin de coordonner l’action entre les enseignes et les
équipes Franchise de KPMG, qui comptent une cinquantaine de collaborateurs sur tout le territoire.
Le cabinet propose des prestations adaptées aux franchiseurs, aux franchisés mais aussi aux
créateurs d’entreprise pour les accompagner à chaque étape de leur développement et dans leur
gestion quotidienne : développement, création, transmission‐reprise…
Retrouvez plus d’informations sur le réseau Franchise de KPMG :
http://www.kpmg.com/FR/fr/secteurs/Franchise/Pages/default.aspx
The UK is Worlds’ #2 in iPad Game Spending and Console Gaming Popularity
The UK is number 2 in the world when it comes to the popularity of console gaming with 71% of all gamers playing on the TV screen. Only the French are more geared towards traditional console gaming. Overall, the UK is the 5th largest games market in the world when it comes to revenues generated by its gamers, behind Japan, China, Germany and the US.
Despite being characterized as a relatively traditional games market, smartphone and specifically tablet gaming is enormously popular. The UK ranks number 2 in the world in total game spend on the iPad. Of the 34.7 million UK gamers, 62% spend money on games, the third highest in the world behind Germany and Canada.
The largest amount of UK gamers can be found on social/casual platform followed by TV/console. Using Newzoo’s Screen Segmentation Model, 23.8% of gamers are playing across all four screens. The PC is used by 88.7% of gamers making it the most played on screen, although it is relatively less popular in the UK than most other Western countries.
Interested in more in-depth data on a global level or UK specific? Please have a look at the following two services:
Global Games Data Service
UK in-depth data
Read more at http://www.newzoo.com/infographics/infographic-the-uk-games-market/#Ih6hFTGh14hsRcKD.99
The Netherlands Ranks #1 in the World when it comes to playing games for free
Netherlands is #1 in the world when it comes to playing games for free – 55% of the gamers don’t spend money on games at all. Although the Netherlands is relatively small and only has 8 million gamers it is still ranked relatively high with the 15th place in the world when looking at gaming revenues. This is also reflected by the monthly mobile game revenue ranking per App Store – the Netherlands is ranked 12th in the iPad store, 21st in the iPhone store and 20th in the Google Play Store. The main reason the Dutch like these mobile games is that they can try most of them out before spending money on them – this F2P business model fits the Dutch market very well. However if they like a game they will start spending significant amounts of money – Candy Crush Saga for example earns more than €250.000 a month in the Netherlands.
When it comes to cross-screen gaming, only 14.1% of all Dutch gamers are playing across all four screens – the only two countries that have a lower percentage are South Korea (13.2%) and Poland (10.8%). This indicates that the Dutch mostly stick to one or two screens to play games – this is also the reason why the player percentages per screen are relatively low compared to other countries: computer screen 87.2%, personal screen 61.2%, entertainment screen 53.9% and floating screen 35.7%.
Interested in more in-depth data on a global level or specific for the Netherlands? Please have a look at the following two services:
Global Games Data Service
Dutch in-depth data
Read more at http://www.newzoo.com/infographics/infographic-dutch-games-market/#WaTGEUGqvMGhDR1D.99
France #1 in the world when it comes to playing games on TV/Console
71.5% of all 29.8 million gamers in France play on a TV/Console, the highest percentage in the world. The UK (70.7%) and Spain (70.3%) are not far behind. When looking at the global game revenues France is ranked 7th in the world and 3rd in Europe – following Germany #1 and UK #2 at a respectable distance. As in most of the countries, social/casual games have the highest number of players (23.8 M), followed by TV/Console (21.3 M) and downloaded PC/Mac games (16.6 M).
When it comes to cross-screen gaming, 21.2% of all French gamers are playing across all four screens. The Computer Screen is still the most popular screen with 90.4% of French gamers playing on it. The Entertainment Screen is relatively popular with 71.5% of all gamers playing here. France has one of the highest percentages of gamers in Europe that play on the floating screen (tablet and/or handheld console) with 39.2%. Only in Spain 48.2% and Italy 42.6% does the floating screen have a higher share of all players playing on it.
The position of France in the monthly mobile game revenue rankings is pretty consistent across the different AppStores: #7 Google Play, #8 iPhone and #9 iPad. Until recently, France was ranked 6th in the Google Play Store – however, up and comer Taiwan pushed France down to position number 7. In all three AppStores Candy Crush Saga is the number 1 grossing game. In-app purchases are relatively popular in France with 94% of the game revenues in the iOS AppStore coming from this business model.
Interested in more in-depth data on a global level or France specific? Please have a look at the following two services:
Global Games Data Service
France in-depth data
Read more at http://www.newzoo.com/infographics/infographic-french-games-market/#kb6J0aytBHrFfMMz.99
BigMat_Une nouvelle maniere de penser le numerique au service des pros_Dossie...Market Engel SAS
Bi, Mobi, Webi et Galaxie de Sites. Le monde bouge. L’aventure numérique se traduit par un bouleversement similaire aux avancées scientifiques, artistiques et architecturales de la Renaissance. Tous les secteurs sont impliqués. Les nouvelles technologies qui ont mis plus de 30 ans à rentrer dans nos maisons via le PC ont mis à peine 5 ans pour tenir dans nos mains. Les artisans du bâtiment, clientèle du négoce de matériaux de construction et cible stratégique de BigMat, ne sont pas en reste avec un taux de détention en smartphone supérieur à la moyenne nationale: 63 % équipés d’un terminal connecté en 2012. 80 % de taux de détention en 2013.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
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Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
2. Content
Introduction 3
Digital Signatures – Authenticity and Integrity of Data Provides a High Level of Security 4
Benefits Include Decreased Costs and Greater Efficiency 7
Several Challenges Still Need to be Overcome 8
New Legislation will Further Promote the Use of E-signatures 9
The Digital Signature Market is Highly Fragmented and Dynamic 10
Use Cases Provide Insight into the Practical Application of Digital Signatures 12
Credit Agricole Consumer Finance Case Study 13
Conclusion 14
Authors:
Nicolai Schaettgen
Principal
TIME, Austria
schaettgen.nicolai@adlittle.com
Didier Levy
Director
TIME, France
levy.didier@adlittle.com
Sorana Socol
Business Analyst
TIME, Austria
socol.sorana@adlittle.com
Julien Duvaud-Schelnast
Manager
TIME, France
duvaud-schelnast.julien@adlittle.com
3. 3
Digital signature solutions are quickly replacing paper-based signatures and have
the potential to dominate signature-related processes.The primary benefits of this
technology include increased efficiency, lower costs and increased customer
satisfaction.
Processes that still require a handwritten signature slow down turnaround time,
increase complexity in terms of archiving, and also raise environmental issues
with regards to paper usage. Companies are therefore increasingly adopting
digital signature solutions to address those challenges.
The financial services industry is the pioneer in the adoption and development of
digital signature solutions, and we expect other industries, such as
telecommunication, commerce, utilities, notaries and healthcare, to follow soon
as the benefits of this new technology, namely increased efficiency, lower costs
and increased customer satisfaction, are not restricted to any industry. While
offering clear advantages, digital signature solutions still need to overcome some
challenges, such as the need to adapt existing systems and processes to the new
technology, concern about acceptance by business partners and the perceived
high cost.
The European Union is currently finalizing regulation, which will increase the legal
value of advanced electronic signatures and remote electronic signing services by
offering the possibility to generate a qualified digital signature using a remote
signing system.The regulation is expected to be enacted in early July 2014.This
development is expected to serve as an example for other markets on how to
approach digital signatures from a regulatory standpoint.
This report is based on Arthur D. Little’s survey of 50 market experts in Europe, as
well as comprehensive secondary market research. In this report, we provide an
overview of the digital signature technology, its current and potential market, as
well as the benefits and challenges it brings. We also present examples of
practical applications of digital signature solutions.
Introduction
4. Digital Signatures
4
Digital signature solutions are quickly replacing paper-based
signatures and have the potential to dominate signature-related
processes.The primary benefits of this technology include
increased efficiency, lower costs and increased customer
satisfaction. Digital signatures need to be clearly distinguished
from ordinary authentication processes. While authentication is
only used to verify the identities of end-users, digital signatures
also ensure the integrity of data. A combination of these two
security factors is critical for many business transactions,
especially those involving sensitive and confidential data.
Digital signatures are a sub-category of electronic signatures.
While an digital signature can be any kind of data attached to
a document, such as a written name below an email, a digital
signature is based on a mathematical process of protecting
the document.There are two major types of digital signatures,
differentiable only by how securely the authentication has been
processed:
nn Qualified digital signature (QES) is a signature that is
created with a secure signature-creation device, other than
the device where the document is actually signed, which
provides very high security;
nn Advanced digital signature (AES) is a digital signature
where the signature could be created on the same device
where the document is signed, which is somewhat less
secure than QES
A digital signature involves three processes: the signing process,
the authentication process and the process of ensuring the
integrity of data.The process of creating a digital signature is the
same, whether internally or externally managed.
nn The signing process starts by providing an end-user with
a document that needs to be signed. In order to be sure
that the correct person signs the contract, the end-user’s
identity is verified by multiple factor authentication, such as a
PIN, password and sequence-based token codes. Once the
identity is verified, the signer receives a certificate proving
his identity and providing him with a pair of keys: a private
key (known only to the signer) and a public key (known to
the public).These keys are necessary to sign a document
and to verify the identity of the signer. Once the certificate
is issued, a unique mathematical code is created out of the
document.This mathematical code is then encrypted with
the private key (signing) and can only be decrypted with
the corresponding public key (verification of signature).The
document, together with the encrypted mathematical code,
is then sent to the recipient.
nn In order to ensure authenticity, the recipient with access
to the public key can decrypt the mathematical code and is
therefore able to ensure authenticity.The public key works
for decryption only if the document was signed with the
corresponding private key already confirming the identity of
the signer.
nn The integrity of data is ensured through a mathematical
code, which is visible to the receiver after the decryption.
To verify that the document has not been changed by
any unauthorized person, the receiver calculates his own
mathematical code out of the document. If both codes
match, the integrity of the data is ensured; if the document
had been changed in transition, the receiver’s calculation
would give a different code.
Digital Signatures
Authenticity and Integrity of Data Provides a High Level of Security
Figure 1: The Digital Signature signing and verification
processes
Source: Arthur D. Little
Hash
function
10100101011
Hash value
Encryption
with
private key
10100101011
10100101011
Digitally signed data
Verification process
10100101011
Hash
function
Decryption
with
public key
10100101011 10100101011=
?
The digital signature is valid only if
the hash values are equal.
Signing process
5. Digital Signatures
5
Figure 1 illustrates the signing and verification process on the
basis of the RSA (Rivest, Shamir and Adleman) cryptosystem
technology, which is the most widely used encryption
technology.
The encryption process described above provides the foundation
for the high security and the legal validity of this technology.The
mathematical encryption combined with a high quality certificate
ensures the integrity and authenticity of the digital signature.
The resulting advanced digital signature is covered under EU law
and therefore legally valid.
Any process not encompassing these security measures are
not regarded as secure or legally valid. Remote and face-to-face
transactions should therefore be based on the above procedure
of securing data. For example, a handwritten digital signature on
a signature pad without a digital signature created is not legally
valid in court decisions, based on the precedent legal case from
June 2012 in Germany1
. Other commonly used techniques
encompass the recognition of biometric data, such as the
speed or pressure of the signature, in order to authenticate the
signatory.This technology is certainly more secure than a simple
handwritten signature on a signature pad, but it is not covered
by EU law or most national laws and provides therefore no legal
validity.
There are two major ways to offer digital signature solutions
to end-users: an externally managed process and an internally
managed process. Although both have advantages and
disadvantages, based on analysis of market trends, Arthur D.
Little believes that the externally managed process will be the
solution of the future.
Externally managed process (external Public-Key-
Infrastructure or PKI)
During the externally managed process, an external company
provides the certificates needed for the digital signature.The
third party is responsible for providing one-time certificates to
employees and / or customers of the company after they have
been authenticated. With a fully externally managed process,
companies do not need to invest in set-up and maintenance,
which results in a lower overall cost of implementation.
Preferably, the external service provider should offer a full cloud
solution, the primary advantage of which is that the certificates
are not stored on any SSCD (Secure Signature Creation Device
or token), but in the cloud and can therefore be used on any
device. Furthermore, no specific Software as a Service (SaaS)
has to be installed, increasing the level of trust and convenience
1 http://www.justiz.bayern.de/gericht/olg/m/presse/archiv/2012/03561/
for the customer. Studies have shown that customers who are
asked to install software when digitally signing are more likely
to cancel the process. For customers, the strongest incentive is
convenience. Digital signatures are a much easier way to sign
for a document compared to plugging an e-ID card into a PC and
even to the traditional handwritten signature.The cloud enables
companies also to offer multi-channel signatures (e.g. one
signature from home, the other from mobile phone). As mobile
signing from a tablet or smart phone becomes more popular,
a cloud-managed service will be the preferred technology.This
was also confirmed in the interviews Arthur D. Little conducted,
in which one market player responded, “Why should we ask
customers to carry always a token or smart-card reader with
them?”
It is important to mention here that this type of concept makes
the most sense if the third party is a trusted one, such as on
the EU trusted list.This will not only raise the overall level of
trust, but the certificates provided by a trusted third party are
recognized virtually worldwide, which means that the root
certificate, a certificate that is verified as trusted, is already
installed in most browsers and operating systems and no error
message will appear as with the internally managed process.
With cloud solutions, there is also the possibility to perform the
signature with an SSCD or a smart card. Here the cloud can be
used to securely archive the digitally signed documents.
Internally managed process (internal PKI)
The certificates needed for the digital signature are established
and provided internally by the company offering these solutions
to employees or customers directly. Certificates are not one-
time certificates, but can be reused, as they are stored on
specific badges, such as a token, smart cards, etc.
The concept requires an infrastructure that securely manages
identities and corresponding certificates.The process of
implementing a PKI involves an investment into hardware,
software, and training for employees, and is therefore rather
applicable for larger corporations with the corresponding
knowledge and resources. A major drawback of the internal PKI
concept is that the certificates are in most cases not trusted by
browsers and operating systems, unless the company is on the
EU trusted list.
Depending on the resources available and the level of trust and
control required, each company has to weigh which solution
suits it best. However, there are already indications that
solutions where additional external devices are needed to create
digital signatures will not be popular with the general public.
15 European countries deployed electronic identity cards (eID)
6. Digital Signatures
6
containing credentials for online authentication, with a majority
also offering an optional digital signature function.To be able to
make use of this digital signature function, a card reader for the
eID needs to be bought, further complicating this concept.
The potential of this solution could, however, be improved with
NFC (Near Field Communication) technology enabling the usage
of the digital signature with eIDs without a card reader, such
as with an NFC smart phone. Although the ability to sign using
a smart phone would guarantee a higher level of mobility, it is
expected that full cloud solutions not requiring any card or card
reader will dominate the future market for digital signatures, as
the level of convenience provided will be the decisive factor in
the choice of solution.
7. Digital Signatures
7
Benefits Include Decreased Costs and
Greater Efficiency
Digital signatures can be implemented in a variety of areas as
companies can use digital signatures for their internal processes
or communication with business partners and customers.
Governments are also an important category of customers for
this technology, as they are increasingly required to implement
leaner and cost-minimizing processes.
Many companies and governments have already realized the
potential of this technology. A fully digital process of signing and
sending documents decreases work hours and reduces cost in
paper and transport. Arthur D. Little’s survey and further analysis
confirmed that the immediate adoption of the technology has
the potential to create a sustainable competitive advantage
independent of the industry in which a company operates.
According to the results of Arthur D. Little’s survey, the main
argument for adopting the technology is to improve efficiency,
leading to the reduction of costs, and to increase to the speed
of the overall business.The use of digital signatures decreases
costs by reducing processing costs, such as scanning,
recording, archiving, printing and mailing, and reduces resource
expense (less process cycle time results in lower personnel
expenses). Business processes are also made more efficient
by increasing the overall agility of enterprises (reduced process
cycles, speed of closing business) and through the real time
tracking and coordination of business.
Besides efficiency considerations, adopting digital signature
solutions portray a progressive image of both the user and the
provider of such technologies. Also digital signature solutions
have the potential to increase customer convenience. For
example, a bank can offer its customers multi-channel solutions
to sign a loan agreement.
Although industry experts taking part in the survey did not
regard increased security as a major benefit of the technology,
digital signatures provide a higher level of security than
traditional methods of sending documents, when implemented
appropriately with cryptographic procedures with qualified
certificates:
nn The integrity of data can be ensured as counterfeiting
is virtually impossible, while a paper document can be
modified after being signed by an unauthorized person,
nn The probability of losing a digital copy is much lower
compared to paper-based documents,
nn All types of data, such as photos or audio files, can be
digitally signed, which protects the copyright of these
materials,
nn A timestamp can be attached to the digital signature,
ensuring that the document was signed on a specific date.
What do you see as the main benefits expected of deploying Digital Signature solutions?
(1-highest; 6-lowest)
Figure 2: The major benefits of Digital Signatures
Note: All numbers represent average values
2,7
2,7
2,3
2,3
2,1
Increased security
Increased convenience
Improved commercial efficiency
Time saving (turnaround time)
Cost saving (paper, storage, etc.)
8. Digital Signatures
8
Despite the potential of the technology, the implementation
of digital signature solutions also brings along challenges. A
majority of companies have systems and processes designed
around traditional methods of contractual communication. From
an employee’s desk to the archiving of signed documents, the
adaption of existing applications or systems was regarded as
a major issue in the interviews. Companies and institutions
interested in adopting the technology are therefore highly
dependent on trusted, easy-to-implement and convenient
solutions that do not increase the complexity of workflows.
Suppliers able to offer this important mixture of characteristics
will likely have substantial competitive advantage in the market
for digital signature.
Furthermore, there is still an issue with the acceptance of
business partners/customers. From the survey, however, it was
clear that this acceptance is strongly dependent on the solutions
offered to customers, meaning that a broad range of use cases
guaranteeing ease of usage will raise the acceptance of natural
and business partners.
There was also the impression among respondents that
implementing digital signature solutions will incur a high cost
of investment.This argument is applicable in the short-term,
but reduced costs offset the cost of investment generally in a
very short time.The cost of a particular solution depends on
the type of implementation. Cloud solutions result in lower
implementation cost.The overall cost, however, depends on the
solution’s pricing model and on the frequency of usage.
Certified email could present a risk to digital
signatures
Certified email is a service that is also aiming to ensure a
secure transfer of data between sender and recipient by
enabling emails to be encrypted by the sender and decrypted
by the receiver. In order to do so, the sender and the receiver
need to have a certified email account with a certified email
provider and software that is able to encrypt and decrypt
emails. If authenticity of the sender plays an important role in
the transaction at hand, the certified email can also be digitally
signed (with a qualified digital signature).
A major security issue with certified email is that it is not based
on an end-to-end encryption process, meaning that every email
that was encrypted by the sender is decrypted by both certified
email providers (email could be read or modified), representing
a security issue that could be utilized by unauthorized parties.
There is a possibility to enable end-to-end encryption, but only
with additional encryption software.
Compared to classic digital signature solutions, email has
security and convenience disadvantages as the standard model
is not based on end-to-end encryption and because both the
sender and the receiver must have a certified email account.
Several Challenges Still Need to be
Overcome
3,3
3,0
2,8
2,1
2,8Investment / implementation cost
B2C, B2B acceptance
Adaption of existing
applications or systems
Security issues
Legal issues
Figure 3: The primary challenges of Digital Signatures
What do you see as the main challenges with regards to Digital Signature solutions?
(1-highest; 6-lowest)
Note: All numbers represent average values
9. Digital Signatures
9
European legislation is predominantly based on Directive
1999/93/EC, which stipulates common obligations for
certification service providers and common rules on liability
and cooperative mechanisms in order to secure trans-border
recognition of signatures and certificates throughout the
European Community.The Directive addresses three forms
of digital signatures: simple, advanced and qualified digital
signature.
A new EU Regulation on electronic identification and trust
services for electronic transactions in the internal market is
expected to be implemented in 2014, in order to consolidate
the use of digital identification and signatures throughout the
European Union. Key cornerstones of new EU regulation include
the removal of existing barriers to delivering a comprehensive
cross-border and cross-sector framework for secure, trustworthy
and easy-to-use electronic transactions, as well as the potential
to enable cloud signatures to achieve the highest level of
security. Full cloud-based signatures will be able to be qualified
once some final requirements are met.
The industry expert interviews conducted by Arthur D. Little
confirmed the general impression that while the law is clearly
defined, it is not yet transparent to the general public, creating
challenges to the potential of the technology.
New Legislation will Further Promote
the Use of E-signatures
10. Digital Signatures
10
To create a digital signature, it is necessary to have a secure
environment, where the digital certificates needed to perform
the digital signature are managed (issued, potentially stored, and
utilized).This environment is called Public-Key-Infrastructure (PKI)
and can either be locally managed in-house by the service issuer
or can be externally managed by a cloud solution provider and
accessed over the internet. In both cases, the service issuer,
such as a bank, is offering the service to the end-user; either the
token or other device where the certificate is stored is handed
over to the end-user or the end-user is forced by the bank to
sign via the cloud.
The parties involved in the implementation and application
phases of digital signature solutions can be seen in full detail in
the graph below.
The digital signature market in Europe is currently small,
highly fragmented and dynamic.There are new players with
new technologies, established players that focus only on the
signature market and players from other industries that are
trying to diversify.There are both European players, such as
Opentrust and D-Trust, and American players trying to enter
the European market, such as Adobe Echosign, ARX CoSign or
DocuSign, which has already offices in the UK since three years.
In order to facilitate their market entry in Europe, some of the
US players have partnered with local players; Opentrust was
selected by DocuSign as their European partner to jointly create
a new digital signature solution, coupling EU legal compliancy
and ease of use.
In order to highlight the complexity of the market and to give a
comprehensive overview of the main actors, typologies have
been identified and characterized using a bottom-up investigative
approach. Fifteen main suppliers of digital signature solutions
active on the European market have been assessed based on
the chosen typologies.
nn User and company convenience: High user convenience
means that the customer is able to process signatures from
any computer, tablet or smart phone, no external devices
(hardware token/ e-ID card) are needed and there is no
need to install any software (SaaS).This high degree of
convenience means that no internal PKI is needed, archiving
(Evidence Management) is outsourced and there is no need
to install any software (SaaS).
nn Breadth of use cases guaranteeing legal validity: High
breadth of use cases guaranteeing legal validity (supported
by QES, or at least AES, based on qualified certificate),
means the digital signature solutions offered to the customer
enable many use cases supported by a certified supplier
having the status of trusted third party.
The Digital Signature Market is Highly
Fragmented and Dynamic
Figure 4: The Digital Signature value chain
Source: Arthur D. Little
PKI and other software are offered over the internet (SaaS)
e.g., security provider offering cloud solution including a PKI
and other software
In-house managed
digital signature
Cloud-based external
managed process in
order to use digital
services
Provider of technical
modules
e.g., provider of smart
cards, PKI or signature
software
Issuer of services to
end-users
e.g., bank offering a
customer to sign a
loan agreement by
issuing a token
Issuer of services to
end-users
e.g., bank offering a
customer to sign a
loan agreement via
cloud
User of digital
signature solution
e.g., customer or
employee performing
a digital signature with
a token
User of digital
signature solution
e.g., customer or
employee performing a
digital signature via
cloud
Integrator of technical
modules
e.g., company
integrating PKI at a
bank
Cloud solution provider
External digital
signature solution
(cloud-based)
Service issuer End user
Local digital signature
solution
(local server-based)
Security provider Service issuer End user
Solution
integrator
11. Digital Signatures
11
Based on the defined dimensions we have identified four main
typologies of suppliers:
nn On-the-fly champions
nn Closed systems specialists
nn Niche vendors
nn Rising stars
On-the-fly champions are suppliers offering highly convenient
solutions for customers, such as financial services companies,
banks, or other highly regulated industries, which by the nature
of their work require lots of references and certifications to
guarantee legal validity of digital signature. In a market where
customer-friendly solutions (SaaS) are the key to success, on-
the-fly champions are the most adaptable to customer needs
and also have the highest legal validity of provided solutions.
The clear leader among on-the-fly champions in Europe in both
B2C and B2B is the French supplier, Opentrust, the inventor of
offline and cloud signatures (cloud system certified ETSITS 102
042, ETSITS 102 023 andTüvIT). Positioned as an online notary
(or trusted party) and having jurisprudence in its favor, Opentrust
offers legally valid digital signature solutions with a high user and
company convenience.
Closed systems specialists vendors offer non-cloud based
solutions for medium and large companies with many
customer interactions and a broad range of internal processes
requiring the use of digital signature and who prefer an internal
management of the digital signature solutions. Companies
already having internal PKI systems and already using badges
with certificates inside can reuse these certificates, however
they need to manage the PKI system and the solution is strongly
dependent of the operating systems and web browsers, which
all evolve quite often.The Spanish player, SafeLayer, has an
established presence on the European market especially as a
provider of digital signature solutions for financial institutions
and public administrations, which demand many legally valid use
cases as well as solutions based on their own server, rather than
cloud based, due to the high level of confidential data.
Niche vendors are suppliers offering internal solutions for
smaller customers, not requiring many use cases or end user
interactions.The solutions are not compatible with multi-channel
/ multi-device strategy, making the user experience less rich
and interactive, however offering the advantage of internal
management of the solution.The German player, StepOver, is a
niche vendor providing both digital signature software, but also
hardware components; there are 100,000 StepOver signature
pads already in use. StepOver is the strong partner for smaller
companies, preferring an internal management of their digital
signature solutions.
Rising stars are small suppliers offering cloud-based, convenient
solutions, but with a limited amount of use cases with no EU
legal value, but they have the potential to become the next on-
the-fly-champions, but they still have a long way to go in order
to get certified (ETSITS 101, 102 etc.), to get on the EU trusted
list of verifiable certification authorities and to build a customer
base. For example, the US-based digital signature provider, ARX
CoSign, is still a small player on the European market. Offering
user-convenient solutions, but with no EU legal value, CoSign
needs further certifications in order to increase the legal validity
of its products and thus its European customer base.
Figure 5: The Digital Signature market
Source: Arthur D. Little
High user and company convenience
Low user and company convenience
Rising stars
On-the-fly
champions
Niche
vendors
Closed systems specialists
Low breadth of use
cases guaranteeing
legal validity
High breadth of use
cases guaranteeing
legal validity
12. Digital Signatures
12
Digital signatures can be applied in various workflows almost
in every economic sector. Use cases embrace any kind of
communication where a declaration of intent combined with
authentication of the parties involved is needed or required by
law. Beyond eID services, which according to secondary research
have not yet been very successful due to the low usability of
the overall solution, the real market belongs to cloud-based
digital signatures due to the convenience of the solution; the
customers can view the contract, tax return, import or export
duties, etc. on any device - whether PC, tablet or phone - get
sms for authentication and then sign with no need for any special
hardware or software.
For the purposes of this report, we have used the following
segmentation for digital signatures:
nn Business-to-Business (B2B)
nn Business-to-Customer (B2C)
nn Government.
The use cases further distinguish between remote and face-to-
face transactions.
nn Remote: the signatory is signing the document without a
physical presence of a representative of the service-offering
company (e.g. bank); authentication is also done by a remote
method (e.g. one time password, sms, etc.)
nn Face-to-face: the signatory is signing the document with
the physical presence of a representative of the service-
offering company; this representative also authenticates the
signatory (e.g. against a passport or ID document).
Common use cases in B2B
Remote Face-to-face
nn Internal management of
documents
nn Supplier contract management
nn Customer contract management
nn Human resources contract
management
nn Contract
signing through
roaming sales
(e.g. insurance,
corporate finance)
From the interviews conducted, current project requests and
additional research Arthur D. Little recognizes a steep increase
in the number of companies that are already transforming into
“digital companies” or planning to do so.
Furthermore, it is observed that the acceptance of the
technology is high in the B2B segment, as technologically
advanced business partners are seen as role models.
Common use cases in B2C
Remote Face-to-face
nn Online subscriptions
nn SEPA SDD mandate
management
nn Account creations
nn Contract signing on
tablets in branches
nn Contract signing on
tablets by retailers and
distributors (e.g. loans,
insurance)
The applied use cases in B2C depend very much on the
legal validity and the overall customer acceptance of such
technologies, which varies among different markets. Industries
that are generally pioneers in offering these solutions to end-
users are the delivery, banking and the insurance industry.
Common use cases in Government
Remote and Face-to-face
nn Online subscriptions
nn SEPA SDD mandate
management
nn Account creations
nn Contract signing on
tablets in branches
nn Contract signing on
tablets by retailers and
distributors (e.g. loans,
insurance)
Governments are generally the main drivers for the cross-
industry diffusion of the technology in Europe. Pressure to
decrease costs is forcing many governments to think about
making their processes leaner, while also guaranteeing security
for sensitive commercial and personal data. Many governments
in Europe offer or even oblige companies or citizens to
communicate with them in a digital way.
Use Cases Provide Insight into the
Practical Application of Digital Signatures
13. Digital Signatures
13
2
The following case study on Credit Agricole Consumer Finance was prepared by Arthur D. Little, in collaboration with Credit
Agricole’s digital signature supplier, Opentrust, a leading provider of on-the-fly digital signature solutions in Europe in both B2B
and B2C.
Company overview nn Crédit Agricole Consumer Finance is a major consumer credit provider in
France and in Europe
nn Products: Financial products and services (direct sales, point-of-sale
financing, e-commerce, partnerships)
nn Operating in 22 countries
Main drivers for deployment nn Customers expected modernization of workflows and products
nn Reduce cost
Concept of digital solution nn Operating in 22 countries
Areas of application nn Face-to-face transactions (B2B in France, B2C in Italy, other countries
following in the next years)
nn No internal usage so far (secure own authentication available already)
nn B2B2C transactions, with the objective to include digital signature in the
applications of Credit Agricole partners (e.g. put the digital signature in the
checkout of an e-commerce website)
Benefits gained nn Increase of customer journey - Customer satisfaction due to being perceived
as innovative
nn Lower cost expected in the next years compared to paper-based approach
(“will definitely pay off in the near future”)
Challenges nn Took time to guarantee a good customer journey (the whole workflow – not
only digital signing – had to be transformed)
nn Clarification of legal validity needed effort (legal advisory was needed)
nn High initial cost to adapt industrial process
Main criteria for supplier choice nn Legally valid solution
nn Collaborative partnership
nn Technical expertise
Key considerations when choosing
supplier
nn Legal validity of solution and legal advisory by supplier possible
nn Standardized solution for a European-wide deployment
2 Information gained through interview with Credit Agricole/CA Consumer Finance - representative
Credit Agricole
Consumer Finance Case Study2
14. Digital Signatures
14
The technology of digital signature will be present in many areas
of our daily life where confidentiality is involved.The technology
brings higher business efficiency and cost savings, and will
be increasingly adopted as a communication tool by business
partners, customers and public authorities. As for every
relatively new technology, hurdles have to be overcome, such as
the ease of integration and alignment with existing workflows,
the business case calculation as well as the lack of transparency
and often misunderstanding of the legal situation. With the new
EU regulation expected to be implemented this year promoting
the overall legal validity as well as acceptance of cloud-based
solutions, there are already very promising signs that authorities
and the supplier industry are overcoming these challenges. As
the market demands a quick return on investment and a solution
that is facilitating workflows, full or partly cloud-based solutions
are expected to take a major part of the digital signature solution
market in the future.Those who realize the potential of such
solutions now will be able to create significant cost advantage,
as well as better maintain and expand their customer base due
to the higher convenience of these solutions.
Conclusion
15. Contacts
If you would like more information or to arrange an informal discussion on the issues raised here and
how they affect your business, please contact:
Austria
KarimTaga
taga.karim@adlittle.com
Belgium
Gregory Pankert
pankert.gregory@adlittle.com
China
Antoine Doyon
doyon.antoine@adlittle.com
Czech Republic
Dean Brabec
brabec.dean@adlittle.com
France
Didier Levy
levy.didier@adlittle.com
Germany
Michael Opitz
opitz.michael@adlittle.com
India
Srini Srinivasan
srinivasan.srini@adlittle.com
Italy
Giancarlo Agresti
agresti.giancarlo@adlittle.com
Japan
Shinichi Akayama
akayama.shinichi@adlittle.com
Korea
Kevin Lee
lee.kevin@adlittle.com
Latin America
Vincenzo Basile
basile.vincenzo@adlittle.com
Middle East / Malaysia
Thomas Kuruvilla
kuruvilla.thomas@adlittle.com
The Netherlands
Martijn Eikelenboom
eikelenboom.martijn@adlittle.com
Nordic
Martin Glaumann
glaumann.martin@adlittle.com
Singapore
Yuma Ito
ito.yuma@adlittle.com
Spain
Jesus Portal
portal.jesus@adlittle.com
Switzerland
Clemens Schwaiger
schwaiger.clemens@adlittle.com
UK
Richard Swinford
swinford.richard@adlittle.com
USA
John Brennan
brennan.john@adlittle.com