Digital Identity

In order to address the systemic as well as the immediate challenges associated with COVID-19, Cenfri and FSD Africa have developed a guidance note, targeted at regulators, financial service providers and market facilitators, that provides clear steps and actions to take in transitioning toward remote identity proofing. The guidance highlights how traditional modalities for customer due diligence…

Digital identity is essential for the sustainable digital transformation of society, the public sector and the economy. One question arises: Under what circumstances can digital identification be a tool for inclusion or pose a risk to the rights of individuals? Amid this dilemma comes the global Good ID movement, which seeks to recognize and promote the…

This guidance outlines the security profiles of biometric recognition technologies, and how to build secure authentication systems which incorporate them. This document is concerned with biometric systems for the verification of individuals, and will cover only those modalities which are commercially available, and appropriate to the field of cyber security. These are: fingerprint, face, iris, vein pattern, and speaker recognition.

This narrative is a composite of experiences shared with the Caribou Digital research team, including direct quotes, presented in three short vignettes to highlight critical elements of how refugees engage with the identification systems of UNHCR and other humanitarian organisations.

In Bangladesh, a mother can now receive her child’s education scholarship through her mobile phone account instead of having to stand in long lines at the school on a prearranged day for a cash handout. Not only does this save her time and effort and provide accurate and documented payment, it also relieves school officials…

Digital ID systems are evolving rapidly.  To determine whether a digital ID is suitable, governments, financial institutions and other stakeholders should: Understand the assurance levels of the digital ID system’s technology, architecture and governance Given its assurance levels, determine whether it is appropriately reliable, independent in light of potential risks that it is used to…

The white paper written by Yiannis Theodorou, Acting Head of Digital Identity at GSMA, discusses how mobile could be leveraged to accelerate digital identity ecosystems in Africa.

Authentication is the cornerstone of secure digital transformation for platform businesses, and beyond that, a pillar of the Fourth Industrial Revolution: from internet of things (IoT) devices that need authentication for machine-to-machine communication, to artificial intelligence (AI) that will be used both to secure and bypass authentication systems, and even blockchain, for which trustworthy authentication…

The Identities research project explores user experiences of identity technology, brought to you by Caribou Digital, Omidyar Network and the International Institute of Information Technology, Bangalore (IIITB). The need for user-centered research in “digital identity” arose out of concerns around top-down identity systems and lack of insights on how these are being understood and used,…

The efficient implementation of social protection systems – and particularly social cash transfers – requires new digital tools that facilitate the efficient selection and enrollment of beneficiaries and the targeted and transparent delivery of funds. Effective methods of verifying beneficiary identities are essential to these processes; however, several issues are likely to hinder this. This…

In 2017, a group of development partners, international organizations, government agencies, and NGOs actively working to design and support identification (ID) systems came together organically to develop a set of shared principles essential for maximizing the benefits of identification for development while mitigating the risks. These Principles on Identification for Sustainable Development have now been endorsed by…

The Digital ID Tracker®, produced in collaboration with PYMNTS.com and Jumio, is a monthly resource for updates on trends and changes in the digital ID industry.    

This short article from GSMA explains the concept of decentralised identity.

Conceived as an ambitious project to provide universal identity to more than one billion Indians, Aadhaar is unparalleled in its reach and aspiration. An important objective of the project has been to improve the ability of the Indian state to provide efficient, transparent and targeted delivery of welfare services to a large number of residents…

Digital identification systems, integrated with civil registration, can play a transformational role across many development areas, such as financial inclusion, expanding access to services and social safety nets, and effective humanitarian response. But while the opportunity is great, so are the risks. One set of risks results from collecting, using, and managing personal data, which…

In Peru, a public–private initiative uses the country’s national ID system to verify users of a cellphone money platform – allowing small traders to do business simply, securely and without cash. In this case study you will meet Maria – she’s a small business owner who was initially hesitant in signing up to Peru’s e-wallet app, BIM.…

 This guide from USAID explores the intersections between development programmes and broader ID systems. Targeted at development practitioners – including donors, programme managers, and monitoring and evaluation specialists – this report from USAID explores the intersections between ID systems and development aims. In the first section of the report, the authors highlight the impact of…

There are few things more central to a functioning society and economy than identity. Without a way to identify each other and our possessions we would hardly be able to build large nations or create global markets. Unfortunately, there are persistent – and increasingly serious – problems with the way digital identity works. For historical and other reasons, the digital…

The private and public sectors are increasingly leveraging new technologies to deliver collaborative approaches for financial service providers (FSPs) to meet customer due diligence (CDD) requirements. These include sharing data and elements of compliance functions on a level that was previously unthinkable. By pooling resources, these collaborative approaches have the potential to lower CDD costs…

With an estimated 1 billion people worldwide who lack an official proof of identity, mainly underserved populations located across Africa and Asia, the risk of exclusion from increasingly digital economies remains high as the ability to digitally prove one’s identity is typically core to most online transactions. In addition to being able to prove one’s…

Recent end-user research conducted by the GSMA Digital Identity programme highlighted that informal business owners in Nigeria – many of which are women – often struggle to demonstrate their personal and business credentials to service providers and customers. As a result, they often lack access to market information and support, pay more for financial services…

DAI produced a Digital Identity Series, which gives and overview of Digital ID. Connect to each part of the series below: Digital Identity Series Part 3: Barriers to Inclusion for All Digital Identity Series Part 2: Digital Identity and Politics Digital Identity Series Part 1: Digital Identity and Informed Consent

To be truly empowering, Omidyar Network believes digital forms of identification must embed privacy, inclusion, user value and control, and security. Public and private ID issuers should also build trust through transparency and accountability. Good ID is our normative framing for any digital identity system that prioritizes individual empowerment while ensuring adequate safeguards. We envision the Good ID frame to be inclusive…

Drawing on in-country qualitative research, this study from the GSMA explores the specific incentives, challenges, preferences and benefits that women and girls will encounter, compared to men, when engaging with digital identity systems or services. It identifies how both men and women navigate day-to-day identity-related pain points, as well as the short- and long-term incentives…

Distributed Ledger technology (DLT) is often held up as a solution for payments, money transfers and currencies. But a new paper by The Whitechapel Think Tank, supported by UK Finance, looks at how technology can provide a potential solution to safely validating identity and verification.

This paper from Mastercard presents a vision of how digital interactions will evolve. It describes the role that trust will play in those interactions and explains why Mastercard views digital identity as fundamental to that trust. It proposes an efficient and inclusive model of digital identity that is collaborative in nature, and establishes clearly defined…

This 10-country study by the GSMA explores the intersection between cultural, social and policy barriers facing women and girls when accessing and using ID and provides gender-sensitive solutions for governments to ensure a more enabling ID-related policy environment.

Over one billion people around the world, including more than 230 million women and girls in the Commonwealth, lack official proof of identity. Recognising that mobile technology and mobile network operators (MNOs) are well-positioned to tackle this issue, the GSMA explored the identity landscape in Malawi, Sri Lanka, Uganda, and Zambia – four countries at distinct stages on their…

Identity is a data-rich key that acts to unlock all levels of the emerging digital ecosystem. All forms of ID carry some risk, but digital forms of ID, or “dematerialized ID,” cuts across all sectors and generates particularly copious data about people, their behaviors, financial status, associates, and potentially even political and religious views. Over…

Digital identity solutions are essential for a European internal market. Europe can benefit from the existing experience and diversity of solutions in European countries. This study examines the European e-identity landscape as well as success factors for high dissemination and acceptance. In addition to the ease-of-use, which is essential for e-identity solutions as a digital…

The new PSD2 regulations will bring about major changes to the digital security landscape. Among the most significant of these will be the requirement to use strong customer authentication (SCA) in remote payment transactions. Additionally, SCA on mobile devices will be required to make use of a secure execution environment (SEE). This paper from CAPS…

“Good” use of digital identification is a new frontier in value creation for individuals, companies, and countries. A panel of leading voices discuss how to unlock the benefits, while mitigating the risks. On 23 January 2019, global experts from business, government, and the social sector discussed how digital identification can provide both economic and societal…

The G20 recognizes the key role of financial inclusion in supporting the move towards an Innovative, Invigorated, Interconnected and Inclusive World Economy.21 The World Bank Group was requested by its G20 partners under the 2018 Argentine presidency, to produce this report as part of the Global Partnership for Financial Inclusion (GPFI) forum- an inclusive platform…

There is no consensus on an exact definition of self-sovereign identity yet. This paper uses the terminology of SSI, as the concept of individuals or organizations having sole ownership of their digital and analog identities, and control over how their personal data is shared and used. This adds a layer of security and flexibility allowing the…

The Digital Identity Roadmap Guide is a comprehensive guideline useful for identifying the main aspects that need to be addressed during the design, development, and implementation of a National Digital Identity Framework. It is the result of a deeply collaborative and thorough multi-stakeholder effort aimed at strengthening the knowledge and the expertise of the audience…

Identity has always been a complicated subject, as we are seen to have multiple facets to our identities. With the digital age, this complexity and importance has increased. This paper by Caribou Digital and Omidyar Network explores the role of digital identity, the technology and business models within emerging markets, and discusses three scenarios for private-sector entry.

Trusted and inclusive identification (ID) systems can serve as a powerful tool for development, accelerating progress in number of areas, such as women’s empowerment and gender equality, financial inclusion, and health. Moreover, “legal identity for all, including birth registration” is one of the 169 targets of the Sustainable Development Goals (SDGs), and ID and civil…

Biometrics hold significant promise and are likely the future of identification and identity verification. However, as noted in a previous blog post, “The Biometric Balancing Act in Digital Finance,” biometrics are a complex and evolving family of technologies. It is important that we understand their strengths, limitations and appropriate applications if we are going to…

The World Bank (2017) estimates that 1.1 billion people live without proof of identity. Nearly 50% of these people live in sub-Saharan Africa, where 454 million individuals are excluded from formal identify systems. In Nigeria,  78% of the population or 149 million individuals cannot prove their identity. Lack of identity documentation varies in its severity as a…

This study, draws on interviews with 150 diverse individuals and dozens of professional stakeholders throughout India, to explore the complexity of identity practices in everyday life. It is a critical moment for conversations like these, since new digital systems, such as India’s Aadhaar, expand formal identity credentials to previously underserved communities, and into everyday identity practices in new ways. The report suggests the need for…

These guidelines provide technical requirements for federal agencies implementing digital identity services and are not intended to constrain the development or use of standards outside of this purpose. The guidelines cover identity proofing and authentication of users (such as employees, contractors, or private individuals) interacting with government IT systems over open networks. They define technical…

This guide produced by ID4Africa gives an overview of the importance of digital identity as well as recommendations for developing and implementing a digital ID scheme, and to ensure its success. The guide also illustrates the impact or potential impact of digital ID and its role in financial inclusion and growth of the economy. You…

This case study addresses the issue of Digital ID interoperability, specifically in the internet context. It covers experiences in creating Digital ID interoperability to date, some of the forces that drive or inhibit the emergence of interoperability in Digital ID, the benefits and drawbacks of Digital ID interoperability as they relate to innovation, and  some…

Identity theft affected nearly 18 million people in the United States in 2014 and resulted in billions of dollars of financial losses and other hardships for individuals, the government and businesses. With the increased prevalence of online financial transactions and other business interactions, there has not been a corresponding widespread adoption of a universally trusted…

This paper on Portable Identity explores the concept, pros and cons. Portable Identity is the right and responsibility of each of us to create, control, and carry the important pieces of information that define who we are in a private, secure, and trusted manner. Other individuals, entities or authorities may validate (or “attest to”) various…

The ability to prove one’s identity is increasingly recognized as the basis for participation in social, political economic and cultural life. Yet at least a billion people in developing countries lack any form of officially recognized ID. This problem disproportionally impacts rural residents, poor people, women, children and other vulnerable groups in Africa and Asia.…

The post-2015 development agenda is being shaped as we speak. The role of identity and identification and its importance to development outcomes places it within the new Sustainable Development Goals (SDG) agenda—specifically as one of the proposed SDG targets (#16.9), but also as a key enabler of the efficacy of many other SDG targets. Although…

This paper by David Porteous and Ignacio Mas highlights that we should not get caught up in the idea that digital identity is fundamentally—or even primarily—about your full name and a legal ID number. Your digital identity is clearly about you, but it is less clear exactly what about you it is meant to represent.…

This paper by Centre for Global Development surveys 160 cases where biometric identification has been used for economic, political, and social purposes in developing countries. About half of these cases have been supported by donors. Recognizing the need for more rigorous assessments and more open data on performance, the paper draws some conclusions about identification…