‘Kick-Starting’ Application ServicesEffective Digitisation

Jon Shamah

V1.04

Northern Europe’s leading Payments

and Identity Services Provider

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Nets in brief

• Owned by Norwegian and Danish Banking Systems

• More than 2,100 skilled staff

• More than DKK 5.2 billion (€700 million) in revenues

• Nets’ network connects more than 260 banks and 10 data

centres primarily in the Nordic region

• 17 million cards on Nets’ platforms

• Payment services to most households in NO and DK

• Issued more than 6 million electronic identities

• Processes 1 billion E-ID transactions annually

• Services more than 300,000 merchants

• More than 425,000 terminals interact with Nets

• More than 230,000 terminals are sold/leased from Nets

• 140,000 creditors use our services along with 5,000

public sector customers

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• Successful Private / Public Partnership

• 3.5 million users

• 400 million annual eID transactions

• Centrally Stored Electronic Identities

• Accepted by eGovernment, Private Sector and Banks

• Trusted ID-Signature Infrastructure in Denmark

• Winner of IBM’s Year 2011 Smart Planet Award

Case Study 1 - NemID Scheme

Securing Danish Banks, Public Sector, SMEs and Enterprises

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• E-ID-scheme securing all e-banking and e-payments

• 3.5 million users,

• 360 million annual eID transactions

• Multi-Channel Infrastructure

• Implemented for mobile commerce and bank employees and used for many e-government services

• Winner of 2006 EEMA Excellence Award in Europe

Case Study 2 - BankID Scheme

Securing Norwegian eID Bank Services4

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Digitisation – not an National Identity Card

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Digitisation Guidelines

• Do not be afraid of financial applications to build familiarity.• Financial applications are the easiest to build business cases for• Norway/Denmark have over 1.5 million eID transactions every day (from a

combined 7m+ users) of which the majority are authenticating routine financial transactions.

• Make it easy and cheaper to develop large applications• Re-use components and managed/cloud-based services if possible. This

reduces time-to-market and assists in reducing capital expenditure.• In 2011, Nets managed service applications facilitated the signing of

over 500,000 digital signatures on PDF documents • Be bold! Have digital application delivery channels only and outsource

interim non-digital obligations to ‘Assisted Services’ from 3rd parties – it still will work out cost effective.

• Small Applications: use an app-shop concept for many low cost mini-apps able to share key components. Encourage creativity with tax concessions and incentives

Example: Social Service Tickets/Vouchers

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• Service Ticket/Voucher• valid and redeemable for a particular approved social service or item with

approved suppliers and is not linked to a specific monetary value.• virtual and is signed by participants in process as each stage

• Signatures needed are:• Issuer• Recipient• Authorised Merchant• Payment Authority

• Ticket can be provided by email or postal services with barcode to present to the merchant. In the event of there being no digital identity available,

• Every stage of the process is signed on a central server and cannot be changed

Example: Safety Compliance

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• Service consisting of a signing and workflow service is used in conjunction with eIDs for Safety Assessment of a Public Venue.

• This process will need to be completed for each event and many will need to be signed in a specific order, collated and filed both on site and externally.

• Digital completion, non-repudiation of documentation and archiving, coupled with a flexible alert and warning system can ensure that tasks are completed on time and documentation is filed and archived according to regulations.

• Real experience has shown that timely completion of documentation against hard deadlines is challenging, and can lead to fines and closures.

  Risk Assessment Equip Performance Evacuation Procedures Security Procedures

Health & Safety Manager x x x x

‘House’ Manager     x x

‘Facilities’ Manager   x    

General Manager x      

Example: Digitisation of Bank Loan Application

• Service consisting of a signing and workflow service is used in conjunction with eIDs to digitally process bank loan application

• Traditionally in this process can take over one month in time to complete and require over 70 sheets of paper.

• Real examples have shown savings in excess of €70 per application and each bank may process many thousands of applications per week.

• For the case of 10,000 applications per month, the saving to a bank is worth approximately €8m+ per year.

  Application Guarantee Contract Terms & Conditions

Applicant X   x x

Advisor X x   x

Manager X x x  

Guarantor   x x x

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Increasing the Numbers of Cheaper Applications

• There has been a revolution in the development and deployment of identity and location based applications in the last number of years.

• July 7, 2011— “Apple® today announced that over 15 billion apps have been downloaded from its App Store”

• There is no reason why a cloud-based eID ‘App Store’ should not equally XXXXXX be successful. – Google Apps is going in right direction!

• Trust / liability / SLAs could be dealt with through a ‘Shrink-Wrap’ licence

• Could work in conjunction with attribute service provider

• Business Model could be per click or periodically

• Encouragement of creativity through tax concessions and incentives

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Example: eID mini-Apps

• Health & Safety compliance process for SMEs– Signed, countersigned and archived

• Short term entry authentication for public facilities– removes need to leave ID card at swimming pool entrance– proof of commune residence

• Acceptance of courier delivery

• Automated authenticated attendanceBoth vertic

al and

horizontal applications

KEY TRANSACTION - ARCHIVING

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eArchiving and Trust

• Major concern of SMEs is long term storage of digital transactions for compliance with regulations.

• Availability• Traceability• Readability• Understanding• Accountability• Security

CONCLUSIONS

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Conclusions

• All the tools are available

• We just need the confidence !

Thank YouAny questions ?

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Jon ShamahEmail: jshamah@ejconsultants.co.uk

UK Mobile: +44 7813-111290

NETShttp://www.nets.eu