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apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rahul Parthe

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apidays LIVE JAKARTA - Connecting the Digital Stack
How National ID accelerates the digital economy
Rahul Parthe, CTO of International Biometrics Indonesia

Publicada em: Tecnologia
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apidays LIVE JAKARTA - How National ID accelerates the digital economy by Rahul Parthe

  1. 1. How National ID Accelerates Digital Economy By: Rahul Parthe www.interbio.id | www.tech5.ai
  2. 2. How National ID Accelerates Digital Economy by Rahul Parthe Trust is the keystone of commerce/trade and trusted identities establish that trust.
  3. 3. How National ID Accelerates Digital Economy by Rahul Parthe About Rahul Parthe Key Roles: • Architect BSP India Aadhaar (1.3B+ people enrolled with tri-modal biometrics) • Architect Indonesia National ID (196M+ people enrolled with tri- modal biometrics) • Architect BSP Turkey National ID (Target 70M, 35M+ enrolled with 2 modalities) Current Positions: • CTO, International Biometrics. • Co-Founder, Tech5 SA. Past: Identix, L1 Identity Solutions, Morpho(Idemia)
  4. 4. How National ID Accelerates Digital Economy by Rahul Parthe What is identity? • Identity is the fact of being who or what a person is. • Identity describes a set of unique characteristics or attributes that distinguish one individual from another. Typically those attributes are derived from name, date of birth, physical traits (biometrics) and a variety of social factors including home address, occupation and so on. • In many countries, citizens are issued the identity numbers/document when they are born which continue to be used throughout their lives.
  5. 5. How National ID Accelerates Digital Economy by Rahul Parthe Why is Identity Important? • Identification plays an important role in facilitating the interactions of individuals with other individuals, their government and private institutions to operate in a structured society. • Without a robust means of proving one’s identity, exercising one’s basic rights, claiming entitlements, accessing a range of government services, conducting many daily activities and participating in growth could be hampered.
  6. 6. How National ID Accelerates Digital Economy by Rahul Parthe Categories Identity Systems or Identities can be broadly categorized as follows: • A foundational identity is usually created as part of a national identity or similar scheme, which is based on the formal establishment of identity through the examination of qualifying (‘breeder’) documents such as birth records, marriage certificates, and social security documents . • A functional identity is created to address the specific needs of an individual sector (for instance, the healthcare or transportation sectors). • A transactional identity is intended to ease the conduct of financial or other transactions (either face to face or across the Internet) across multiple sectors.
  7. 7. How National ID Accelerates Digital Economy by Rahul Parthe National ID • National ID is a foundational ID as it is generally issued to all the citizens of a country and sometimes even includes permanent and temporary residents. It becomes the basis for other functional ID systems. • Many countries have some form of national ID and they are increasingly becoming electronic (e-NID) or digital ID. In this age of digital transformation, a National ID is most effective in the Digital/Electronic form.
  8. 8. How National ID Accelerates Digital Economy by Rahul Parthe Guiding principles of National ID Vision and Mission: Institutions implementing, should define a clear vision setting out the goals it aims to pursue, and a mission detailing on how to reach those goals. Social Inclusiveness: Should be inclusive so that its services can be provided to or accessed by the entire community. Trust, privacy and Security: Ensure adequate safeguards for the privacy of users and guarantee an appropriate level of information security in order to gain a high level of trust among users and stakeholders. Uniqueness of IDs: Ensure that people can only get one digital identity.
  9. 9. How National ID Accelerates Digital Economy by Rahul Parthe Guiding principles of National ID Sustainability and cost optimization: It should be developed keeping into consideration the need for economic sustainability of the system. Interoperability: Should consider the requirement of interoperability to ensure the ability of different systems to exchange information and queries. Economic and Social Prosperity: Should foster economic and social prosperity and maximize the contribution of the digital environment to sustainable development and social inclusiveness. Identity as a platform: Should foster the development of digital ID as a platform, so that users can plug it into any domain and use it. Maximize Adoption and Reach: Creating ecosystem to encourage citizens to participate by maximizing reach, trust, services and convenience
  10. 10. How National ID Accelerates Digital Economy by Rahul Parthe Establishing Uniqueness • Registration/Onboarding/Deduplication: • Biometrics have become the popular way of ensuring uniqueness in a national ID system. • Multi-modal biometrics ensure inclusion, as a single modality may not cover the entire population. • Face, fingerprint and iris are the most used biometrics to perform deduplication. • Verification • Face offers the most convenient / cost effective way of verification but has privacy concerns. • Fingerprint technology is gaining traction due to the advances in touchless capture approach using mobile phones. Privacy is still a concern. • Iris is the most private and accurate modality, but its coverage is limited in authentication due to the requirement of a specialized scanner.
  11. 11. How National ID Accelerates Digital Economy by Rahul Parthe Digital Identity • Gov and commercial organizations value trusted digital ID because without them the digital economy cannot function effectively. • The most effective Digital ID are derived from National ID (e- NID) with combination of some other functional identities/attributes. • With e-NID in place governments can take the lead in promoting high value, trust-based, digital economic and social interactions. • e-NID also helps the public and private sector in extending eCommerce and creation of an entirely new peer-to-peer interaction and economy with appropriate regulations in place. The value of the B2C sector of the online economy worth is in excess of $1 trillion, most transactions are now carried out between parties where neither is physically present Digital Identities can be verified digitally anywhere anytime.
  12. 12. How National ID Accelerates Digital Economy by Rahul Parthe e-NID Benefits for the users • Improving convenience and user experience by effectively removing some of the barriers that make public services complex and hard to access for users. • Reducing cost of access to services by offering convenience and flexibility. Users can cut the indirect costs of accessing services. Reduces the amount of paper documentation required. • Improving citizen inclusion by enabling people who might not be able to obtain identity documents to participate fully in their communities.
  13. 13. How National ID Accelerates Digital Economy by Rahul Parthe e-NID Benefits for the public sector • Improving service delivery by enabling governments to deliver services to their citizens more efficiently, helping institutions target the population with welfare and social programs, and giving governments the necessary tools to reach the least accessible and most remote areas. • Reducing the cost of service delivery by allowing the public sector to cut the cost of providing services to citizens. • Reducing leakages and losses by implementing a direct channel to the final beneficiaries, removing the middle layer and eradicating ghost identities. • Improving security by serving as a powerful tool for policing and crime prosecution and can greatly increase the effectiveness of combating certain crimes (such as identity fraud, tax fraud, etc).
  14. 14. How National ID Accelerates Digital Economy by Rahul Parthe e-NID Benefits for the private sector • New revenue opportunities can be created for both public and private sectors, kick-starting a virtuous cycle that helps the whole economy thrive and grow. • Reducing the cost of service delivery by reducing personnel, physical delivery points, paperwork and the time needed to complete transactions. • Increasing customer base by offering convenient and fast onboarding process for new users and expanding the geographical reach.
  15. 15. How National ID Accelerates Digital Economy by Rahul Parthe Key role of ID Verification To establish trust for transacting, the ID framework should offer means of conveniently and securely verifying identities of the parties involved. Common options are: • Free or paid APIs for identity verification services by a central authority. Paid or for-profit approach allows the institution to sustain and offer better Quality of Service. • For countries with weak infrastructure, technologies that offer fully offline verification are a must. Does not have to be smart card based. • Identity Exchanges vs single source are gaining more traction as IDs derived from multiple sources have proven to be more useful.
  16. 16. How National ID Accelerates Digital Economy by Rahul Parthe Mobile ID + Physical Form • With a mix of online services/API plus mobile ID population reach can be maximized. • National ID in a Mobile ID form can blur the lines between a digital and physical credential driving the effective use of the Identity framework. • Technologies that allow presenting Digital ID with or without the need of a mobile device (optically readable) are the most effective in increasing the reach solving the last mile problem. Due to high global penetration rate, at-least one of the parties transacting has a mobile phone.
  17. 17. How National ID Accelerates Digital Economy by Rahul Parthe Direct impact on digital economy growth • e-NID plays a key due the fact that it provides the framework for ensuring trust by enforcing security and privacy while reducing friction and maximizes reach and coverage at the same time. • Reports say, extending coverage of e-NID could unlock economic value equivalent to 3% to 13% of GDP of developing countries. • e-NID frameworks that reduce dependency on the infrastructure status of the country further accelerates the growth. • e-NID encourage digital business models and thus enable leveraging the economies of scale. • Most important, in the current COVID-19 and post pandemic scenario it is also helps people to transact safely which is helping economies survive.
  18. 18. How National ID Accelerates Digital Economy by Rahul Parthe Steps taken to accelerate adoption • Investment in the prerequisites for developing digital economy, such as mobile broadband infrastructure, efficient payment systems, fintech friendly ecosystems and electronic signature infrastructure. • Promoting digital verification, including biometric systems. • Expansion of open API—publicly available means for developers to access identity services so that new applications can communicate and interact with one another. • Adapting Legal and regulatory frameworks to make the ecosystem conducive and ensure a competitiveness. • Incentivizing usage of digital Identities based services by subsidizing transaction cost and providing tax breaks.
  19. 19. How National ID Accelerates Digital Economy by Rahul Parthe Digital ID Accelerates Digital Economy reducing risk of fraud ease of compliance faster growth(ease of on-boarding) reduce operational cost cashless By offering following benefits to any institution using Fintech increase revenue competitiveness fine tuned offerings cross border transactions audit trace, analytics speed of transactions security better customer experience sustainability safety and transparency.
  20. 20. How National ID Accelerates Digital Economy by Rahul Parthe Digital ID Accelerating Digital Economy Making digital financial services easy for population that do not have the privileges to access traditional options such as : • transaction accounts • credit • savings products and insurance • micro banking Larger coverage • over geographies • income/education levels in society • users • services
  21. 21. How National ID Accelerates Digital Economy by Rahul Parthe Key take away points An effectively implemented National ID program becomes the basis for a good Digital/Mobile ID. The benefits offered by digital and mobile ID not only promote inclusive growth but also increase convenience allowing a larger percentage of the population to transact. Beyond coverage it further enhances the framework to offer a larger variety of products and service to the existing population base leveraging the economics of scale. All this results in accelerating the digital economy and sustain growth.
  22. 22. How National ID Accelerates Digital Economy by Rahul Parthe References • https://www.itu.int/dms_pub/itu-d/opb/str/D-STR-DIGITAL.01-2018-PDF-E.pdf • https://www.mckinsey.com/business-functions/mckinsey-digital/our-insights/digital- identification-a-key-to-inclusive-growth • https://blogs.worldbank.org/psd/how-can-digital-financial-services-help-world-coping-covid-19 • https://www.gsma.com/identity/wp-content/uploads/2014/10/GSMA-SIA-paper_FINALNov- 2014.pdf • https://www.usaid.gov/sites/default/files/documents/15396/IDENTITY_IN_A_DIGITAL_AGE.pdf • Digital Identity Toolkit, A Guide For Stakeholders, June 2014, WBG
  23. 23. How National ID Accelerates Digital Economy by Rahul Parthe Thank you“ “ www.interbio.id | www.tech5.ai

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