The document discusses redefining banking to give customers more control, convenience, and engagement. It addresses how customers want frictionless, secure access to relevant offers and content while maintaining anonymity and control over how their data is used. It also covers improving identity management through attributes, reputation, affordability, and addressing fraud and enforcement while balancing increasing data flows, customer control, and reducing friction.

1. /BANKING-Redefined
CUSTOMERS IN CONTROL
JOHN MARSDEN

2. WHAT DOES THE CUSTOMER WANT?
C O N V E N I E N C E
E N G A G E M E N T
C O N T R O L• Frictionless
• Secure
• Appropriate use
• Interests
• Offers
• Content
• Anonymity
• How will my data be used?
• Who will see my data?
• Opt out / Renew

3. M A R K E T I N G
• Relevant
• Instinctive

4. P R O V I N G I D
• Attributes
• The ID exists
• I am this person

5. R E P U TAT I O N ?
• Velocity
• Longevity
• Presence
• Reliability

6. A F F O R D A B I L I T Y
• Credit Offer
• Timeliness
• Best Journey

7. F R A U D & E N F O R C E M E N T
• State Sanctions
• Known frauds
• Anomalies

8. I D M A N A G E M E N T
S O C I A L D ATA
T R A N S A C T I O N A L D ATA
P U B L I S H E D D ATA
T E C H N O L O G Y P R O V I D E R S
C O N T E N T P R O V I D E R S
C R E D I T R E F E R E N C E
I S P
I D P ( V E R I F Y / E I D A S )

9. I D M A N A G E M E N T
S O C I A L D ATA
T R A N S A C T I O N A L D ATA
P U B L I S H E D D ATA
T E C H N O L O G Y P R O V I D E R S
C O N T E N T P R O V I D E R S
C R E D I T R E F E R E N C E
I S P
I D P ( V E R I F Y / E I D A S )

10. P H I S H I N G
Obtaining sensitive information such as usernames
and passwords by electronic deception
H A C K I N G
Unauthorised access to private data such
as usernames and passwords
S O C I A L E N G I N E E R I N G
The clever manipulation of the natural
human tendency to trust
S Y N T H E T I C I D E N T I T I E S
Identities that are partially or completely fabricated
S O C I A L M E D I A
Obtaining personal information from your online profile
PA S S W O R D O V E R L O A D
The complexity and quantity of passwords is unmanageable

11. I N C R E A S I N G D ATA F L O W S
I N C R E A S I N G C O N T R O L
D E C R E A S I N G F R I C T I O N

12. /BANKING-Redefined
THANKS
JOHN MARSDEN