An eid Card to Bank the Unbanked Rolan Jahn, NXP

Transcription

1 An eid Card to Bank the Unbanked Rolan Jahn, NXP cv cryptovision GmbH T: +49 (0) F: +49 (0) info(at)cryptovision.com 1

2 AGENDA 1. Market Trends 2. Electronic Payment Benefits 3. Multi-Application Cards 4. Conclusion 2

3 Secure ID Market View Trends MARKET GROWTH IS MAINLY DRIVEN BY NATIONAL ID SMART CARD SHIPMENTS BY APPLICATION WORLDWIDE SECURITY KEY DRIVERS! FRAUD ONLINE SERVICES Passport National ID - - Financial Inclusion LEADING TRENDS Digitization of documents and online services Convergence of applications Derived IDs on mobile phones 3

4 Market Position & Pillars for success 11,2% 6,2% 1,7% #1 provider of e-government secure IC solutions 49,0% 80% (120 out of 145) countries that introduced egovernment solutions use NXP 31,8% 250+ out of 400+ projects worldwide are based on NXP s Secure ICs Secure IC Vendor Market Share FY 2014* COMPLETE SOLUTIONS Solutions out of one hand one stop shopping Smooth implementation SECURITY Integral security architecture Certified (CC EAL 6+) and proven long term security track record No security hacks CONTACTLESS PERFORMANCE High Performance Ultra Low Power Design 4

5 Financial Inclusion Landscape Provides access to appropriate financial products and services to vulnerable citizen groups at affordable cost in fair and transparent manner. 2.0 billion financially excluded adults in 2014 (15+) 80-90% located in Africa, Asia, Latina America and the Middle East Key stakeholders benefits: Financially excluded individuals: Access to financial services Private sector: Capture new clients and revenue Public sector: Substantial economical benefits Technology focused business models Mobile Payment: SMS/USSD based, direct mobile billing Prepaid smart cards: payroll, remittance, convergence cards 5

6 eid with Payment boosts financial inclusion GOVERNMENT BANK CITIZEN SPEND FOOD WATER Un-Banked ELECTRICITY CASH Secure Authentication ensures EFFICIENT TRANSFER OF 100% FUNDS TO ELIGIBLE CITIZENS eliminating waste, fraud, and abuse. 6

7 Financial Inclusion Case Studies South Africa Social Security Agency: Cost savings of 15M$ 375M$ cost savings expected over 5 years Cost per grant payment: From $3,33 to $1,66 Brazil: Bolsa Familia transaction cost reduction from 15% to 3% of total payment 75% cost reduction per transaction 7

8 Multi-Application ID Cards & Infra. Service Costs Enrolment Gained Program Funds Service Costs Enrolment Cards & Infra. MULTIPLE CARDS SINGLE MULTI - APP. ID FEDERATED SERVICES BENEFITS Cost effective / budget savings = less need for financial support NATIONAL ID SUBSIDY CARD HEALTHCARE VOTING TAX DECLARATION HEALTH SERVICES SUBSIDY SERVICES PUBLIC TRANSPORT Secure authentication = eliminate waste, fraud, abuse Convenience for citizens = single credential all services MANY MORE... MANY MORE... 8

9 Leverage gov. identification to bank citizens GOVERNMENT eid PAYMENT FUNCTION GOVERNMENT eid WITH FINANCIAL INCLUSION + = Identification Digital signature Biometrics Open- & closed loop Credit/ debit/ prepaid Examples: Nigeria eid Kenya eid Venezuela Grocery Card Intrinsic financial inclusion of un-banked citizens Guaranteed access to government subsidies for eligible citizens 9

10 How to address Financial Inclusion Opportunities? The Approach ENROLLM. SECURITY PRINTING PERSO BANK ISSUANCE GOV DISBURSEM. CITIZEN USAGE Assess country agenda & gov s financial flow citizens Define eid solution objectives, business model, use cases Leverage key technology partners for definition/implementation Key Challenges No alignment / agreement across gov stakeholders Start of implementation without defined strategy Lowest price approach without understanding of trade-offs MERCHANT OR AGENT ACQUIRING BANK PAYMENT NETWORK OPERATOR ISSUING BANK 10

11 Conclusion Electronic ID with payment facilitates Financial Inclusion Start-off by defining egovernment strategy Do not re-invent the wheel Leverage key technology partners to implement best practices 11

12 NXP - Trusted partner in a fragmented market Technology Leadership End-to-end ID solution competence Enabling local players and return-on-invest business models ENROLLMENT/ CIVIL REGISTRY DOCUMENT PRODUCTION PERSONA- LIZATION SYSTEM INTEGRATION 12

13 Benefits of Partnering with cryptovision Customizable With edoc Suite, partner and government agencies will be enabled to customize existing applications and add local content Standard-compliant Applications and protocols offered by edoc Suite comply with international standards and provide proven security and interoperability Powerful Latest eid mechanisms and the modular architecture allows for flexible product configurations that support various (multi-)application scenarios Secure The solution s security is proven by four certifications according to Common Criteria (ISO 15408) at Assurance Level 4+ (Level 5+ in progress) Java Card This open platform provides transparency and prevents vendor lock-in situations 13

14 eid References with NXP and cryptovision Croatia Moldova Armenia Mexico Guatemala Colombia Ecuador Thailand Ghana Nigeria Rwanda Malaysia Angola Malawi 14

15 END cv cryptovision GmbH T: +49 (0) F: +49 (0) info(at)cryptovision.com 15