This document discusses how personal data is increasingly being collected and used by large companies without individuals' consent. It argues that individuals should own their own data, not companies. It then presents Trunomi as a solution that empowers individuals by giving them control over their personal data and who can access it through a personal data store and digital consent mechanisms. Trunomi's solution aims to benefit both individuals, who can choose to share data for personalized experiences, and companies, who can innovate new solutions if given consent to access customized personal data. The goal is to realize the potential of data through customer-driven solutions that respect privacy and place consent at the center.

1. Stuart Lacey / @StuartHLacey@Trunomi
"The data we create
about ourselves
should be owned by
each of us, not by the
large companies that
harvest it”
Sir Tim Berners-Lee

2. Government
Policy &
Regulations
Consumer
Awareness
Technological
Innovation
THE ENVIRONMENT
Breach Risk &
Sanctions

3. CONVERGENCE
Constantly evolving global regulatory environment (Opt-In, GDPR, Sanctions)
Cloud Risk – jurisdictional / move to decentralisation / blockchain / no reliance
The migration toward a Global Identity Superset, KYC becoming KY3P
Fintech disintermediation: > 60% of all Financial Services Revenues to be lost
Focus on customer experience / the under-banked / the next billion customers
@Trunomi

4. Benefits
• Customer-Driven solution
• Simple User Interface
• Significantly improve account
opening completion rates
• Simplify on-going due
diligence
• In-app secure messaging
Features
• Platform and device agnostic
• Customer managed Personal
Data Store
• All-digital channel (privacy
bridge)
• Engages with all forms of legal
entities
• Digital Rights Management
PERSONAL DATA STORE
| END TO END SOLUTION
@Trunomi

5. CONSENT IS KING
2°358°

6. USE CASE | Personal Data from IoT devices is being used without consent
Innovative customer
engagement that provides
personalized experiences.
Digital Data Delivery
Empower customers to
communicate easily and manage
securely
Increase access to customer
data with their informed, explicit
consent. Provide personalized
experiences.
Challenge
• Empower data-rich companies to deploy solutions to end-
users that curate their Personal Data Store
• Provide end-users with a platform with Digital Rights
Management to share that data with informed consent
• Link PDS to vendor networks with real-time payments
• RESULT is that companies cut costs, increase loyalty
• RESULT is that end-users monetize their own data
• RESULT is Regulatory, Morally & Data Privacy correct
Solution
• Consumer devices (smart phones, wearables, IoT) are creating data at ever increasing rates
• This data is being sold back to consumers in the form of increased costs of goods & services
• Individuals are becoming increasingly aware of the value of their data
• They increasingly demand a personal experience, but one which respects their data privacy
• Individuals want control over Who, How, What, When, Where and Why
@Trunomi

7. The incoming EU General Data Protection
Regulation means Financial Institutions have to
fundamentally rethink the ways in which they collect
and handle customer data.
Major requirements are:
Data
portability,
to obtain an
electronic
copy of
personal data
Informed,
explicit
consent &
right to
withdraw
To capture
consent and
deliver
auditable
proof
Erasure of
customer
personal
data (right to
be forgotten)
Customers
must be
informed of
data breach
Access
information
about
processing
of personal
data
TIPPING POINT? SOLVE FOR E.U. GDPR
www.trunomi.com/our-viewpoints/

8. @Trunomi Trunomi www.trunomi.com / Trunomi info@trunomi.com
Realising the
potential of
customer data
through the power
of consent