This document discusses how identity management and mobile technologies are converging in the digital world. It focuses on the United Arab Emirates' (UAE) national digital identity system and how it is designed to enable trusted mobile transactions. Key points:
1) The UAE issues smart identity cards containing digital certificates and biometric data to citizens and residents, representing 96% of the population.
2) This identity infrastructure establishes trust for online transactions and enables service delivery across channels. Credentials can be verified on mobile devices.
3) The government is working to issue digital certificates to mobile subscribers tied to their national ID, allowing all users to conduct secure digital transactions from their phones.
4) This would improve access
Future of digital identity initial perspective - final lrFuture Agenda
Our interconnected digital world has started to make a mockery of traditional forms of identification. Being asked to produce ‘two forms of ID; at least one from each of the two following lists’ already seems hopelessly anachronistic in a world of automated password-managers, RFID-driven payments systems, and bio-metric authenticators on our mobile phones. The idea of having a single digital identity (Digital ID) that can replace the need to hold a plethora of cards and documents, from your passport and driving license to your library card and even your CV, is not only one whose time has come, it is one that is all but presumed to exist already. Although it doesn’t quite yet.
This ‘initial perspective’ is intended to provide a provocation for thinking and deeper discussion about the impending implementation, and future, of Digital Identity and its role and value in society.
In addition, we are also undertaking a set of 5 expert workshops across 4 continents in Q4 2018 (London, Singapore, Sydney, San Francisco and Brussels). If you are interested in joining, we would welcome your feedback and contribution to help build a richer view. Do let us know.
A need for peer to-peer strong local authentication protocol (p2 pslap) in mo...IJNSA Journal
Mobile phones are considered to be the most common devices in history of humankind. They have involved
in financial transaction such as mobile banking and mobile payment, which include sensitive information.
Public key cryptography is the proven solution that can provide secure transaction at every point of
interaction in mobile banking value chain. This paper proposes a need for peer-to-peer Strong Local
Authentication Protocol (p2pSLAP) for Mobile Banking Transaction that implements a peer-to-peer
architecture to provide local authentication mechanism between the customer and the agent. It employs
public key infrastructure (PKI).
Citizen Digital Identity: Enabling and empowering individuals and institutionsConor Bronsdon
A 2019 paper (which I contributed to) demonstrating how governments can enable citizen services and inclusive economic gains through Citizen Digital Identity.
Part of Microsoft Services' eBook series exploring how digital transformation and Digital Identity are changing industries and cybersecurity across the world.
The study we present aims to explore several factors pertaining to Consumer Acceptance of business technology as it related to Blockchain. Identifying and developing the relevant measures is of importance to business technology managers and software development managers today. We ask the important question of “what measures best represent the established constructs of the technology acceptance model?” In order to address this issue, it is important to identify the key measurements that help us to understand the proposed constructs as they relate to blockchain technology as well as confirm their validity in isolation and in combination with each other. In this study, the factors we explore are perceived reputation, risk, and usefulness and transaction intentions. A survey was used whereby the methodology adapted previous measurements from related works and new measurements pertaining to usefulness and risk were developed in order to adhere to blockchain’s consumer acceptance framework. 268 students completed the questionnaire and an exploratory factor analysis was used in order to analyze the constructs and their measurements. Through the results we were able to identify and validate the relevant measurements as well as the proposed constructs.
The purpose of this article is to provide an overview of the PKI project initiated part of the UAE national ID card program. It primarily shows the operational model of the PKI implementation that is indented to integrate the federal government identity management infrastructure with e-government initiatives owners in the country. It also explicates the agreed structure of the major components in relation to key stakeholders; represented by federal and local e-government authorities, financial institutions, and other organizations in both public and private sectors. The content of this article is believed to clarify some of the misconceptions about PKI implementation in national ID schemes, and explain how the project is envisaged to encourage the diffusion of e-government services in the United Arab Emirates. The study concludes that governments in the Middle East region have the trust in PKI technology to support their e-government services and expanding outreach and population trust, if of course accompanied by comprehensive digital laws and policies.
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.
Mobile Connect, an initiative by GSMA, has the potential to change online authentication and how we consume online services, on a global basis. This presentation will explain what Mobile Connect is, how it can benefit your organisation and the end users.
Future of digital identity initial perspective - final lrFuture Agenda
Our interconnected digital world has started to make a mockery of traditional forms of identification. Being asked to produce ‘two forms of ID; at least one from each of the two following lists’ already seems hopelessly anachronistic in a world of automated password-managers, RFID-driven payments systems, and bio-metric authenticators on our mobile phones. The idea of having a single digital identity (Digital ID) that can replace the need to hold a plethora of cards and documents, from your passport and driving license to your library card and even your CV, is not only one whose time has come, it is one that is all but presumed to exist already. Although it doesn’t quite yet.
This ‘initial perspective’ is intended to provide a provocation for thinking and deeper discussion about the impending implementation, and future, of Digital Identity and its role and value in society.
In addition, we are also undertaking a set of 5 expert workshops across 4 continents in Q4 2018 (London, Singapore, Sydney, San Francisco and Brussels). If you are interested in joining, we would welcome your feedback and contribution to help build a richer view. Do let us know.
A need for peer to-peer strong local authentication protocol (p2 pslap) in mo...IJNSA Journal
Mobile phones are considered to be the most common devices in history of humankind. They have involved
in financial transaction such as mobile banking and mobile payment, which include sensitive information.
Public key cryptography is the proven solution that can provide secure transaction at every point of
interaction in mobile banking value chain. This paper proposes a need for peer-to-peer Strong Local
Authentication Protocol (p2pSLAP) for Mobile Banking Transaction that implements a peer-to-peer
architecture to provide local authentication mechanism between the customer and the agent. It employs
public key infrastructure (PKI).
Citizen Digital Identity: Enabling and empowering individuals and institutionsConor Bronsdon
A 2019 paper (which I contributed to) demonstrating how governments can enable citizen services and inclusive economic gains through Citizen Digital Identity.
Part of Microsoft Services' eBook series exploring how digital transformation and Digital Identity are changing industries and cybersecurity across the world.
The study we present aims to explore several factors pertaining to Consumer Acceptance of business technology as it related to Blockchain. Identifying and developing the relevant measures is of importance to business technology managers and software development managers today. We ask the important question of “what measures best represent the established constructs of the technology acceptance model?” In order to address this issue, it is important to identify the key measurements that help us to understand the proposed constructs as they relate to blockchain technology as well as confirm their validity in isolation and in combination with each other. In this study, the factors we explore are perceived reputation, risk, and usefulness and transaction intentions. A survey was used whereby the methodology adapted previous measurements from related works and new measurements pertaining to usefulness and risk were developed in order to adhere to blockchain’s consumer acceptance framework. 268 students completed the questionnaire and an exploratory factor analysis was used in order to analyze the constructs and their measurements. Through the results we were able to identify and validate the relevant measurements as well as the proposed constructs.
The purpose of this article is to provide an overview of the PKI project initiated part of the UAE national ID card program. It primarily shows the operational model of the PKI implementation that is indented to integrate the federal government identity management infrastructure with e-government initiatives owners in the country. It also explicates the agreed structure of the major components in relation to key stakeholders; represented by federal and local e-government authorities, financial institutions, and other organizations in both public and private sectors. The content of this article is believed to clarify some of the misconceptions about PKI implementation in national ID schemes, and explain how the project is envisaged to encourage the diffusion of e-government services in the United Arab Emirates. The study concludes that governments in the Middle East region have the trust in PKI technology to support their e-government services and expanding outreach and population trust, if of course accompanied by comprehensive digital laws and policies.
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.
Mobile Connect, an initiative by GSMA, has the potential to change online authentication and how we consume online services, on a global basis. This presentation will explain what Mobile Connect is, how it can benefit your organisation and the end users.
A view of Identity Management within the Moldovan Government. Presentation held by Mr. Iurie Turcanu, CTO at e-Government Center, within the first session of the FORUM „INFORMATION TECHNOLOGY IN GOVERNMENT”, dedicated to interoperability, held at Chisinau, January 16th 2012.
Entrust IdentityGuard Mobile is a family of identity applications that leverage existing mobile devices for greater security, including transaction verification, one-time-passcode (OTP) authentication and embedded mobile application security.
And Entrust IdentityGuard Mobile is available on today's leading smartphone platforms, including the Apple iPhone, Google Android, RIM BlackBerry, Microsoft Windows Mobile and Symbian.
Mobile Banking – A Transformation of Traditional BankingInfosys Finacle
www.infosys.com/finacle
How comfortable are we with Mobile Banking? Not very much, it seems. Even today, most of us who use mobile banking do so merely to check account information, transfer funds or pay bills. How many of us are aware of mobile technologies like Near Field Communication (NFC) and Remote Deposit Capture (RDC), which have evolved in response to customers’ need for a mechanism to make quick in-store/ transit purchases and check deposits without visiting a branch or an Internet banking site?
How Blockchain App Development is Paving the Way for the FutureDamco Solutions
Blockchain applications can serve as a trading and financing instrument to ensure distributed ledger-backed payments. Finance and Banking services have taken a lead in Blockchain app development. For more in detail, please visit - https://www.damcogroup.com/blogs/how-blockchain-app-development-is-paving-the-way-for-the-future/
The proliferation of mobile devices is front and center for organizations
in both employee and customer communities. Entrust not only helps secure mobile identities and transactions, but also empowers organizations to leverage mobile devices to improve overall security and streamline business processes. Security controls are increased across all channels, enabling more convenience for employees and customers alike.
Entrust provides comprehensive identity-based security solutions that safeguard
enterprises, consumers, citizens and websites. More than 4,000 organizations in 60
countries across the globe leverage Entrust's world-class security solutions, which
include strong authentication, physical and logical access, public key infrastructure
(PKI), cloud and mobile security, citizen eID, employee credentialing, SSL and
more.
Virtual Interactive Working EnvironmentsEdward Lange
The Future of Work arrived!
The WE2VIDEO platform provides interactive multimedia virtual learning environments, which are globally unique permanent, private, secure, and fully customizable immersive digital corridors for interactive broadcasting, multi-party video communication, and real-time face-to-face collaborative learning over the internet.
These virtual environments are specially designed to easily integrate almost anything in a digital format, such as learning management systems, productivity tools, whiteboards, websites, videos, images, documents, social networks, instant messaging platforms, custom forms, video recording, live streaming cameras, chatbots, 360 virtual tours, OTT entertainment platforms, widgets, games, augmented reality, scheduling tools, digital signature and authentication, e-commerce, digital health platforms, IOT, etc., and even all of these together in a single working environment. They are ideal for immersive collaboration and co-creation experiences, among multiple other use cases such as virtual education, teleconsultations, virtual events, etc.
Ahhh! … and they cost less than the daily bus ticket to work.
Presentazione tenuta in occasione della visita di studenti frall'università di Trento - Dipartimento IT - in occasione dello scambio nell'ambito del ""Master Students School
GSMA - How To Combine Cross-border eID Recognition With Convenience For Users...Ubisecure
eIDAS - Mobile Connect Pilot: How To Combine Cross-border eID Recognition With Convenience For Users And Online Services. GSMA presentation slides from Ubisecure's IAMwithUBI Nordic IAM event May 2018
CIS13: Samsung’s Perspective on Mobile IdentityCloudIDSummit
Sudhi Herle, VP of Enterprise Products, Samsung Telecommunications America
Samsung will discuss how the mobile ecosystem maturity is demanding more robust enterprise capabilities – especially integration of the mobile apps with existing enterprise notions of identity, authentication and authorization. Samsung will demonstrate how it is tackling this issue in their Knox platform – by using Centrify powered technologies. Learn how this will help your Enterprise IT admin to seamlessly add mobiles into their existing MS Active Directory, extend the reach of their enterprise apps to integrate with AD and understand how Samsung Knox Dual Persona is a good strategy for Enterprise IT integration.
Case @Neoma Business School : reinvent Samsung brand and apply this new identity to Galaxy S8's launch.
Communication should clear recent history from Galaxy S7 accidents (burning in planes, etc.).
Discover group's proposal in this presentation.
A view of Identity Management within the Moldovan Government. Presentation held by Mr. Iurie Turcanu, CTO at e-Government Center, within the first session of the FORUM „INFORMATION TECHNOLOGY IN GOVERNMENT”, dedicated to interoperability, held at Chisinau, January 16th 2012.
Entrust IdentityGuard Mobile is a family of identity applications that leverage existing mobile devices for greater security, including transaction verification, one-time-passcode (OTP) authentication and embedded mobile application security.
And Entrust IdentityGuard Mobile is available on today's leading smartphone platforms, including the Apple iPhone, Google Android, RIM BlackBerry, Microsoft Windows Mobile and Symbian.
Mobile Banking – A Transformation of Traditional BankingInfosys Finacle
www.infosys.com/finacle
How comfortable are we with Mobile Banking? Not very much, it seems. Even today, most of us who use mobile banking do so merely to check account information, transfer funds or pay bills. How many of us are aware of mobile technologies like Near Field Communication (NFC) and Remote Deposit Capture (RDC), which have evolved in response to customers’ need for a mechanism to make quick in-store/ transit purchases and check deposits without visiting a branch or an Internet banking site?
How Blockchain App Development is Paving the Way for the FutureDamco Solutions
Blockchain applications can serve as a trading and financing instrument to ensure distributed ledger-backed payments. Finance and Banking services have taken a lead in Blockchain app development. For more in detail, please visit - https://www.damcogroup.com/blogs/how-blockchain-app-development-is-paving-the-way-for-the-future/
The proliferation of mobile devices is front and center for organizations
in both employee and customer communities. Entrust not only helps secure mobile identities and transactions, but also empowers organizations to leverage mobile devices to improve overall security and streamline business processes. Security controls are increased across all channels, enabling more convenience for employees and customers alike.
Entrust provides comprehensive identity-based security solutions that safeguard
enterprises, consumers, citizens and websites. More than 4,000 organizations in 60
countries across the globe leverage Entrust's world-class security solutions, which
include strong authentication, physical and logical access, public key infrastructure
(PKI), cloud and mobile security, citizen eID, employee credentialing, SSL and
more.
Virtual Interactive Working EnvironmentsEdward Lange
The Future of Work arrived!
The WE2VIDEO platform provides interactive multimedia virtual learning environments, which are globally unique permanent, private, secure, and fully customizable immersive digital corridors for interactive broadcasting, multi-party video communication, and real-time face-to-face collaborative learning over the internet.
These virtual environments are specially designed to easily integrate almost anything in a digital format, such as learning management systems, productivity tools, whiteboards, websites, videos, images, documents, social networks, instant messaging platforms, custom forms, video recording, live streaming cameras, chatbots, 360 virtual tours, OTT entertainment platforms, widgets, games, augmented reality, scheduling tools, digital signature and authentication, e-commerce, digital health platforms, IOT, etc., and even all of these together in a single working environment. They are ideal for immersive collaboration and co-creation experiences, among multiple other use cases such as virtual education, teleconsultations, virtual events, etc.
Ahhh! … and they cost less than the daily bus ticket to work.
Presentazione tenuta in occasione della visita di studenti frall'università di Trento - Dipartimento IT - in occasione dello scambio nell'ambito del ""Master Students School
GSMA - How To Combine Cross-border eID Recognition With Convenience For Users...Ubisecure
eIDAS - Mobile Connect Pilot: How To Combine Cross-border eID Recognition With Convenience For Users And Online Services. GSMA presentation slides from Ubisecure's IAMwithUBI Nordic IAM event May 2018
CIS13: Samsung’s Perspective on Mobile IdentityCloudIDSummit
Sudhi Herle, VP of Enterprise Products, Samsung Telecommunications America
Samsung will discuss how the mobile ecosystem maturity is demanding more robust enterprise capabilities – especially integration of the mobile apps with existing enterprise notions of identity, authentication and authorization. Samsung will demonstrate how it is tackling this issue in their Knox platform – by using Centrify powered technologies. Learn how this will help your Enterprise IT admin to seamlessly add mobiles into their existing MS Active Directory, extend the reach of their enterprise apps to integrate with AD and understand how Samsung Knox Dual Persona is a good strategy for Enterprise IT integration.
Case @Neoma Business School : reinvent Samsung brand and apply this new identity to Galaxy S8's launch.
Communication should clear recent history from Galaxy S7 accidents (burning in planes, etc.).
Discover group's proposal in this presentation.
Organizations in both public and private sectors are realizing the value of identity and access management technology to address mission-critical needs and to ensure appropriate access to resources across heterogeneous technology environments, and to meet rigorous compliance requirements. A well-designed identity management system is fundamental to enabling better information sharing, enhancing privacy protection, and connecting the diverse web of public and private sector agencies involved in the delivery of today's public service. This article provides an overview of identity and access management literature. It attempts to analyze the business drivers, trends, issues and challenges associated with the implementation of such systems. It then presents a strategic framework and an overall ecosystem for the implementation of identity and access management system in different contexts of applications. It also introduces possible strategies and solutions for the development of a federated national identity infrastructure. It finally sheds light on a recent government implementation in the United Arab Emirates that was launched to develop a modern identity management infrastructure to enable digital identities and support their application in e-government and e-commerce context.
The future of identity verification predictions and trends in blockchain tech...Techgropse Pvt.Ltd.
As a leading mobile app development company in UAE, we have been closely following the rapid development of blockchain technology and its potential to transform various industries. One area that has caught our attention is identity verification, which plays a crucial role in countless processes - from financial transactions to government services. Dubai, a city at the forefront of technological innovation, is becoming a center for exploring the intersection of blockchain and identity management.
In the last 12 years or so, many governments have launched modern identity management systems. These systems typi- cally integrate a set of advanced and complex technologies to provide identification and authentication capabilities. The major output of such systems is smart identity cards that bind the cardholders’ identities to their biographical data and one or more biometric characteristics. The field of government practice has been focusing on the enrolment capabilities and infrastructure rollout, with little focus on smart card applications in the public domain. This article attempts to ad- dress this area in the body of knowledge from a government view point. It explores card reader adoption opportunities in both the public and private sectors, and attempts to outline the United Arab Emirates’ (UAE’s) government’s plans to disseminate card readers and promote their adoption in government and various industrial groups in the country.
Transformation from Identity Stone Age to Digital IdentityIJNSA Journal
Technological conversion, political interests and Business drivers has triggered a means, to establish individual characterization and personalization. People started raising concerns on multiple identities managed across various zones and hence various solutions were designed. Technological advancement has brought various issues and concerns around Identity assurance, privacy and policy enabled common Authentication framework. A compressive framework is needed to established common identity model to address national needs like standards, regulation and laws, minimum risk, interoperability and to provide user with a consistent context or user experience.
This document focuses on Transformation path of identity stone age to Identity as in state. It defines a digital identity zone model (DIZM) to showcase the Global Identity defined across the ecosystem. Also, provide insight of emerging Technology trend to enable Identity assurance, privacy and policy enabled common Authentication framework.
A NEED FOR PEER-TO-PEER STRONG LOCAL AUTHENTICATION PROTOCOL (P2PSLAP) IN MOB...IJNSA Journal
Mobile phones are considered to be the most common devices in history of humankind. They have involved in financial transaction such as mobile banking and mobile payment, which include sensitive information. Public key cryptography is the proven solution that can provide secure transaction at every point of interaction in mobile banking value chain. This paper proposes a need for peer-to-peer Strong Local Authentication Protocol (p2pSLAP) for Mobile Banking Transaction that implements a peer-to-peer architecture to provide local authentication mechanism between the customer and the agent. It employs public key infrastructure (PKI).
The concept of federated e-identity is gaining attention worldwide in light of evolving identity management challenges to streamlining access control and providing quality and convenient online services. In a federated system, participant institutions share identity attributes based on agreed-upon standards, facilitating authentication from other members of the federation and granting appropriate access to online resources. The article provides an insight into the ongoing federated e-Identity initiative in GCC countries. The aim of the initiative is to develop a trusted and secure cross-border infrastructure to authenticate and validate citizens' identities across GCC borders. Such an interoperability platform can then be used to facilitate citizens' mobility and stand as the basis for digital economy development. Current literature does not include any information about the work being conducted within GCC countries in relation to the GCC eID platform. This article thus contributes to developing a better understanding of such practices, triggers debate and discussion, opens the door to reflection, and guides international efforts in this eminent domain of practice.
Payment industry is largely aligned in their desire to create embedded payment systems ready for the
modern digital age. The trend to embed payments into a software platform is often regarded as first step
towards a broader trend of embedded finance based on digital representation of fiat currencies. Since it
became clear to our research team that there are no technologies and protocols that are protected against
attacks of quantum computing, and that enable automatic embedded payments, online or offline with no
fear of counterfeit, P2P or device-to-device to be made in real time without intermediaries, in any
denomination, even continuous payments per time or service, while preserving the privacy of all parties,
without enabling illicit activities, we decided to utilize the Generic Innovation Engine [1] that is based on
the Artificial Intelligence Assistance Innovation acceleration methodologies and tools in order to boost the
progress of innovation of the necessary solutions. These methodologies accelerate innovation across the
board. It proposes a framework for natural and artificial intelligence collaboration in pursuit of an
innovative (R&D) objective The outcome of deploying these Artificial Innovation Assistant (AIA)
methodologies was tens of patents that yield solutions, that a few of them are described in this paper. We
argue that a promising avenue for automated embedded payment systems to fulfil people’s desire for
privacy when conducting payments, and national security agencies demand for quantum-safe security,
could be based on DeFi and digital currencies platforms that does not suffer from flaws of DLT-based
solutions, while introducing real advantages, in all aspects, including being quantum-resilient, enabling
users to decide with whom, if at all, to share information, identity, transactions details, etc., all without
trade-offs, complying with AML measures, and accommodating the potential for high transaction volumes.
It is not legacy bank accounts, and it is not peer-dependent, nor a self-organizing network.
In light of the staggering evolution of mobile technologies, the concept of mobility is gaining more attention worldwide. Recent statistics demonstrate mobile channels’ increasing significance in outreach and service delivery. However, governments and businesses face a challenge in reaping the benefits of mobile platforms: how to confirm the authenticity of mobile users and transactions. Mobile devices, by design, are well suited for enabling authentication and digital signing services, similar to traditional PC and laptop environments. But although various implementations support different authentication schemes, they still do not instill sufficient levels of trust and confidence. In this article we explore the practice of mobile identity management. We provide an overview of how EU countries tackle mobile identity. The main part of the article sheds light on the solution framework adopted in the United Arab Emirates (UAE) to address, recently launched mobile government transformation initiatives. Taking into account the newness of the topic, the content of this article should fuel the current limited knowledge base and trigger debate around the presented approaches.
Despite significant investments in eGovernment, reported experiences show limited and struggling success cases. In the last 15 years, Governments’ efforts have been scattered, as agencies were mainly concerned with the development of informational portals and some basic online services resulting from the automation of a few traditional transactions.
In fact, Governments have been cautious in terms of their preferred eGovernment approaches and strategies. A large number of Governments’ services are still provided over the counter and requires the physical presence of citizens. This is in principle due to the fact that existing eGovernment environments lack effective methods through which they can establish trust and avail services over digital networks.
This article discusses the need for trust establishment to advance eGovernment in light of the existing and emerging realities. It looks at the evolving forms of identities, namely digital identities and the role of PKI technology in enabling such requirements.
The key contribution of this article is that it provides an overview of a large scale national PKI program which was deployed as part of a government identity management infrastructure development scheme in the United Arab Emirates. It provides an insight into the architecture and features of the PKI deployment. It presents how the UAE government planned and set up a national identity validation gateway to support both online and traditional transactions. It also includes some reflections on key management considerations and attempts to make reference to some European initiatives to highlight similarities and differences with the UAE and GCC projects.
TURNING THE DISRUPTIVE POWER OF BLOCKCHAIN IN THE INSURANCE MARKET INTO INNOV...IJNSA Journal
Insurance has been around for more than centuries. This risk mitigation strategy has been utilized in maritime commerce as early thousand years ago, where Asian merchant seafarers were pooling together their wares in collective funds to pay for damages of individual’s capsized ship. In 2018, insurance industry made up 6% of global domestic product, and amounted to about 7-9% of the U.S.GDP;2020, the industry net premiums totalled $1.28 trillion, by 2030, blockchain insurance market value is estimated to reach $39.5 Billion. Despite of growing reform, the insurance market is dominated by intermediaries assisting people to match their insurance needs. While many predictions focused on artificial intelligence, cloud computing, blockchain stands out as the most disruptive technology that can change the driving forces underlying the global economy. This paper presents a blockchain business use case and how insurance market can turn disruptive power of this technology into innovative opportunities.
FUTURE READY BANKING WITH SMART CONTRACTS - CBDC AND IMPACT ON THE INDIAN ECO...IJNSA Journal
India is significantly diverse in culture and how it promotes business transactions. Though we are very acquainted with cash, cards, and online mode of payment, the Indian rural economy still believes in the barter system. At this juncture, India is evolving as a tech power house, and its economy is thriving to embrace cryptocurrency as a medium of exchange. After the Indian finance minister declared the same last February that India is working towards building its legal tender called Central Bank-backed Digital Currency (CBDC), this paper is making an impact in explaining our strengths, weakness, market readiness, and necessity to adopt a digital rupee when India's economy is highly regarded as a cashoriented economy. Is our country ready to accept the new technological shift in smart banking in the form of a digital rupee? The paper highlights the socioeconomic and technical challenges our planners need to understand before changing the Central banks' monetary policies. The deployment of fifth-generation (5G) cellular network technology has sparked renewed interest in the potential of blockchain to automate different cellular network use cases. 5G is projected to open up new market prospects for small and large businesses. The article highlights the unique instrument of the digital rupee to enhance peer-to-peer transactions with the evolution of 5G mobile technology.
Location Based Services in M-Commerce: Customer Trust and Transaction Securit...CSCJournals
It is understood by studies that wireless data services is crucial for users to access locationbased services. As in location-dependent services, the data value for a data item depends on geographical locations. In general, the Location Based Services includes the services to identify the location of a person or object like searching of the nearest Banking, Cash Machine Receiving Alerts, Location Based Advertising etc. With the rapid adoption of mobile devices as a primary interface to network of services, there is a considerable risk with respect to authentication and authorization. To guard against risk, trustworthy authentication and secure communication are essential especially in Location Based Services. The purpose of this study is to identify security risks in mobile transactions specially in location based services like mobile banking. Current mobile banking authentication is challenging and identified as a major security risk. Identify the factors why customer distrusts mobile banking. Furthermore, identifying security issues between mobile devices and mobile banking systems. Finding which approach is more suitable and secure for mobile banking transaction between customer and bank.
Cartesian assesses the current state of identity management, and outlines the opportunity for trusted service providers such as MNOs, financial institutions and governments to act as “digital identity authorities”.
Digitalization and its impact on financial transactions in IndiaRaja Sarkar
Digitalalization is the adoption of various existing and developing technologies by organizations in consonance
with the changes in internal operations as well as external relationship to provide better customer services and
experiences efficiently and effectively. Projects such as Make in India and Digital India are now the buzzwords
to a better and sustainable industrial and financial growth of our nation. Government is encouraging technology
adoption/upgradation while providing connectivity with high speed bandwidth to bring together every nook and
corner of the country. This has opened up the vast untapped market in India for digital connectivity. Digital
payment services by banks like Unified Payments Infrastructure (UPI), Bharat Interface for Money (BHIM),
mobile money, e-wallets have created a revolution of sorts in the Indian financial market. Adaptation and
implementation of highly capital intensive global technologies, infrastructure and processes are vital in order to
remain ahead of the curve. Transition in financial transactions such as data integrity, authentication (including
third party authentication) and trust factors are gaining importance as a measure of customer safeguarding.
Enhanced customer satisfaction and value through unified customer experiences, faster output, infinite banking
volumes, financial inclusion, operational efficiencies, scale of economy etc. are being sought after, by
leveraging digital technologies. Digitalization has improved the efficiency and customer experience in several
fields including the financial transaction areas. The present paper will try to explore the impact of digitalization
on financial transactions in India.
Enhancing cryptographic protection, authentication, and authorization in cell...IJECEIAES
This research article provides an extensive analysis of novel methods of cryptographic protection as well as advancements in authentication and authorization techniques within cellular networks. The aim is to explore recent literature and identify effective authentication and authorization methods, including high-speed data encryption. The significance of this study lies in the growing need for enhanced data security in scientific research. Therefore, the focus is on identifying suitable authentication and authorization schemes, including blockchain-based approaches for distributed mobile cloud computing. The research methodology includes observation, comparison, and abstraction, allowing for a comprehensive examination of advanced encryption schemes and algorithms. Topics covered in this article include multi-factor authentication, continuous authentication, identity-based cryptography for vehicle-to-vehicle (V2V) communication, secure blockchain-based authentication for fog computing, internet of things (IoT) device mutual authentication, authentication for wireless sensor networks based on blockchain, new secure authentication schemes for standard wireless telecommunications networks, and the security aspects of 4G and 5G cellular networks. Additionally, in the paper a differentiated authentication mechanism for heterogeneous 6G networks blockchain-based is discussed. The findings presented in this article hold practical value for organizations involved in scientific research and information security, particularly in encryption and protection of sensitive data.
يسلط الكتاب الضوء على دور اقتصاد البيانات في دعم الأنظمة الاقتصادية الوطنية، وإرشاد القرارات والسياسات في مختلف القطاعات. ويقدم مجموعة من التوصيات لتطوير السياسات التنظيمية والبنى التحتية ودعم الابتكار وتشجيع نمو القطاع الخاص وريادة الأعمال.
يسلط الكتاب الضوء على أهم أبعاد التحول الرقمي الحكومي، ويقدم أطر ومفاهيم عامة لتصميم وتطوير المنظومات الخدماتية القائمة على إنشاء القيمة وتحقيق النمو الاجتماعي والاقتصادي
يتناول الكتاب المتغيرات التي فرضتها التكنولوجيات الحديثة على المفاهيم المرتبطة بالنقد، ودور العملات الرقمية في تشكيل مستقبل الأسواق العالمية.
ويتطرق أيضاً إلى التحولات الكبيرة في الاقتصاد العالمي الجديد، ودور العملة في الاقتصاد، والمشكلات التي تواجه العملات بشكل عام والورقية على الأخص، والمدفوعات والعملات الإلكترونية، ومفهوم العملات الرقمية الحكومية والتجارية والافتراضية والمشفرة والمستقرة، هذا بالإضافة إلى مميزات العملات المشفرة ومخاطرها، والقيم المتذبذبة للعملات التجارية، والترويج الذي يتم لها.
كما يستعرض الكتاب التجارب الدولية للعملات الرقمية، والتجارب العربية في هذا المجال، والمواقف الحكومية من العملات المشفرة، وعملة الـفيسبوك، ومستقبل العملات الرقمية والمدفوعات الرقمية، هذا بالإضافة إلى دور تكنولوجيا البلوك تشين في تأمين المعاملات المالية.
ويضع الكتاب النموذج المتوقع لعمل العملات الرقمية الحكومية، وذلك من خلال التطرق إلى 9 خصائص رئيسية مطلوبة لأي منظومة عملة ناجحة من العملات الرقمية، وكذلك 8 مكونات أساسية لنموذج عمل العملات الرقمية الحكومية، مع شرح آلية عمل النموذج.
ومن بين أهم التوصيات التي أوصى بها الكتاب هو ضرورة أن يتوحد العالم العربي لدراسة وتأسيس عملة رقمية وفق منهج علمي مدروس وجماعي، تكون الأولوية الحاكمة فيه هي التوافق والتكامل.
يشير الكتاب على أن التنمية الفكرية في بناء المؤسسات تمثل إحدى أهم الأبعاد المحورية نحو المجتمعات والاقتصادات المستدامة، ويبين أن وصول المؤسسات للقمة والتميز يتطلب منها تكوين فهم دقيق للقيمة المضافة التي تنشئها المؤسسة قبل بحث الكيفية والوسيلة، وأن القدرة على الابتكار والتغيير والتحديث هي السمات التي يمكن من خلالها أن تسهم في توفير قوة دافعة للمؤسسة للتميز والاستدامة.
ويتناول الكتيب عدة محاور ضرورية من شأنها أن تعزز من إسهامات القيادات الشابة في مؤسساتهم، والتي جاء في مقدمتها: مفهوم القمة في العمل المؤسسي، ومجالات وصول المؤسسات للقمة، وأدوات الوصول للقمة والمحافظة عليها؛ وشرح لمفاهيم الإدارة المتميزة، وأساسيات إدارة الموارد البشرية، ومدى الاستفادة من التكنولوجيا، وما يحمله المستقبل من تطورات في مجالات جديدة بالثورة الصناعية الرابعة، وطريقة الوصول للقمة، وكذلك استمرارية البقاء على القمة التي تستدعي التعلم بشكل مستمر، وكيفية استدامة التميز المعتمدة على المنهج المتكامل القابل لتحديد نفسه بصفة دائمة.
يتطرق الكتاب إلى بعض المعطيات التي أصبحت تدفع نحو تحولات كبيرة في النظام الاقتصادي العالمي، ويتناول توقعات المؤسسات الدولية لأداء الاقتصاد العالمي.
كما يضع الكتاب عدد من السمات المفترضة للنظام الاقتصادي الجديد خلال فترة ما بعد (كوفيد 19).
يتناول الكتاب الصادر من مجلس الوحدة الاقتصادية العربية بجامعة الدول العربية بعنوان “الاقتصاد الرقمي ودوره في تعزيز الأمن الوطني”، الفرص التي يمتلكها الاقتصاد الرقمي ويدعو للتركيز على الاقتصاد الرقمي كعنصر تنموي استراتيجي لتطوير مقومات الأمن الاقتصادي.
The study highlights the effects of the revolutions and unrest in Arab countries with an attempt to provide an overview of Arab present and its prospects. It primarily recommends the adoption and employment of advanced technologies in reconstruction efforts and supporting the development of resilient and sustainable economies.
The book is designed to promote understanding of conflicts in organisations, and establish how they can be handled effectively, and make them work as opportunities for improvement and constructive change.
دراسة موجزة لمجلس الوحدة الاقتصادية العربية بجامعة الدول العربية حول آثار أزمة جائحة كورونا على الدول العربية وتقدم توصيات لمتخذي القرار وراسمي السياسات للتعامل مع تداعيات الأزمة.
The book pinpoints that the digital future is exposed to the danger of chaotic, unregulated growth, which constitutes a challenge for countries that still operate according to traditional economic models, and that public thinking in the Arab region in facing challenges still follows the "reaction methodology" and temporary solutions with short-term prospects, and that this is confirmed by the current international indicators of its competitiveness. The book proposes that in order to address this, visions and efforts should be based on strategies driven by scientific methods, and with it the Arab countries must develop a clear understanding of the main challenges before jumping to seize opportunities.
The book shows that it is fundamental for policymakers and decision-makers to have precise and accurate understanding of the intricate details in digital transformation initiatives and the role that modern technologies can play in changing the rules and systems of current practices, and in how to develop digitized, more innovative business models with which to build resilient and sustainable social economies and systems.
The book also draws on the current data and indicators of the global economy and that they are pushing to form a worrying picture of weaknesses in Arab countries, which in turn may threaten the stability of the entire region, especially with regard to the "cognitive decline" and “increasing unemployment rates” and “poor economic performance"; and that these challenges call for dealing with it as key strategic indicators that require urgent action plans; with emphasis that these plans need to be designed to reflect different ways of thinking and adapted to the nature of the requirements and challenges of the 21st century and treat them as forces and positive factors.
The book highlights the importance of accelerating the implementation of a set of initial reform projects to encourage the development of more dynamic and developed digital business environments in the Arab region, in parallel with the development of educational systems and healthcare, and strengthening agricultural capabilities to achieve food security targets, and focus on economies based on industry and production, and promoting the development of Arab digital platforms to support e-commerce practices.
يتطرق الكتاب إلى تحليل الوضع الراهن لمشاريع التحول الرقمي في الحكومات العربية، والمراحل الأربعة للتحول في المنظومة الحكومية، وأهم العوائق والتحديات التي تعطل مسيرة التطور والتقدم ويقدم الكتاب بعض الحلول الموجزة والمقترحة في هذا السياق.
ويوضح الكتاب بأن مفاهيم الصناعة باتت تدفع بتطبيقات ممكّنة للآلات للتواصل فيما بينها من خلال الشبكات الإلكترونية واتخاذ القرارات اللامركزية بمستويات تفوق القدرات البشرية. كما أن ذلك أصبح يدفع أيضاً إلى ظهور نماذج عمل للمؤسسات أشبه بـ «المصانع الذكية» تتميز بقدراتها الآلية على التطوير الذاتي والتعامل مع المتغيرات والتعلم المستدام، والقدرة على تطوير المنظومات الخدمية والإنتاجية بمستويات كفاءة وفاعلية ومستويات أداء غير مسبوقة؛ وأن المؤسسات في المنطقة العربية لم يعد أمامها خيار سوى الاستمرار ومواكبة التقدم في تنفيذ مشاريع التحول الرقمي.
وجدير بالذكر أن المنطقة العربية وكثير من دول العالم شهدت في العقدين الماضيين آلاف المبادرات والمشاريع في مجال التحول الرقمي، مستهدفة دعم قدراتها كحكومة مسئولة عن صناعة العديد من القرارات وتقديم الخدمات، وانطلاقاً من رؤية القيادات في هذه الدول لتحويل الخدمات الحكومية إلى خدمات إلكترونية وذكية.
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
DevOps and Testing slides at DASA ConnectKari Kakkonen
My and Rik Marselis slides at 30.5.2024 DASA Connect conference. We discuss about what is testing, then what is agile testing and finally what is Testing in DevOps. Finally we had lovely workshop with the participants trying to find out different ways to think about quality and testing in different parts of the DevOps infinity loop.
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Slack (or Teams) Automation for Bonterra Impact Management (fka Social Soluti...Jeffrey Haguewood
Sidekick Solutions uses Bonterra Impact Management (fka Social Solutions Apricot) and automation solutions to integrate data for business workflows.
We believe integration and automation are essential to user experience and the promise of efficient work through technology. Automation is the critical ingredient to realizing that full vision. We develop integration products and services for Bonterra Case Management software to support the deployment of automations for a variety of use cases.
This video focuses on the notifications, alerts, and approval requests using Slack for Bonterra Impact Management. The solutions covered in this webinar can also be deployed for Microsoft Teams.
Interested in deploying notification automations for Bonterra Impact Management? Contact us at sales@sidekicksolutionsllc.com to discuss next steps.
Neuro-symbolic is not enough, we need neuro-*semantic*Frank van Harmelen
Neuro-symbolic (NeSy) AI is on the rise. However, simply machine learning on just any symbolic structure is not sufficient to really harvest the gains of NeSy. These will only be gained when the symbolic structures have an actual semantics. I give an operational definition of semantics as “predictable inference”.
All of this illustrated with link prediction over knowledge graphs, but the argument is general.
Generating a custom Ruby SDK for your web service or Rails API using Smithyg2nightmarescribd
Have you ever wanted a Ruby client API to communicate with your web service? Smithy is a protocol-agnostic language for defining services and SDKs. Smithy Ruby is an implementation of Smithy that generates a Ruby SDK using a Smithy model. In this talk, we will explore Smithy and Smithy Ruby to learn how to generate custom feature-rich SDKs that can communicate with any web service, such as a Rails JSON API.