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How can we fix the identity problem? Asymmetric Warfare v3 Open banking and its discontents David G.W. Birch (15Mb Ltd.) The Point (Auckland, August 2018) dave@15Mb.ltd www.15Mb.ltd @dgwbirch Please copy and distribute (last updated 16

  1. How can we fix the identity problem? Asymmetric Warfare v3 Open banking and its discontents David G.W. Birch (15Mb Ltd.) The Point (Auckland, August 2018) dave@15Mb.ltd www.15Mb.ltd @dgwbirch Please copy and distribute (last updated 16 July 2018) 1

  2. David G.W. Birch author, advisor and commentator Global top 15 favourite sources of business information (Wired Magazine); London FinTech Top 10 most influential commentators (City A.M.); Top 15 Regtech Influencer (Thomson Reuters); Top five Leader in IDentity (Rise); Top 10 Twitter account followed by innovators, alongside Bill Gates and Richard Branson (PR Daily); Top 10 most influential voices in banking (Financial Brand); Top 50 blockchain insider (Richtopia); Europe’s most influential commentator on emerging payments (Total Payments). @dgwbirch Please copy and distribute (last updated 16 July 2018) 2

  3. Agenda Moving to open banking • How did the UK become a laboratory? Bank responses • Which strategies make sense for banks? Unexpected consequences • Why might it all go wrong? • What could be done to fix it? @dgwbirch Please copy and distribute (last updated 16 July 2018) 3

  4. 4 Moving to Open Banking The UK’s “Perfect Storm” @dgwbirch Please copy and distribute (last updated 16 July 2018) 4

  5. 5 First Storm, PSD2 @dgwbirch Please copy and distribute (last updated 16 July 2018) 5

  6. 6 Second Storm, OBWG The Open Banking Working Group (OBWG) working in response to the UK Treasury Open Data to create • A data model (so that everyone knows what "account", "amount", "account holder" etc means); • An API standard (for reading consumer data); • A security standard; • A governance model; @dgwbirch Please copy and distribute (last updated 16 July 2018) 6

  7. 7 Third Storm, CMA In August 2016, the Competition and Markets Authority (CMA) published the final report for its retail banking Market Investigation; It set out a package of remedies aimed at increasing innovation and improving competition, including requirement for the nine largest current account providers to make available to authorised third parties; This information must be shared through an open Application Programming Interface (API) framework; “Open Banking Implementation Entity” to develop the API Standards. @dgwbirch Please copy and distribute (last updated 16 July 2018) 7

  8. Easy @dgwbirch Please copy and distribute (last updated 16 July 2018) 8

  9. 9 Open Banking means Change @dgwbirch Please copy and distribute (last updated 16 July 2018) 9

  10. 10 Bank Responses Options for API-based strategies @dgwbirch Please copy and distribute (last updated 16 July 2018) 10

  11. What Me, Worry? By allowing customers to connect to a range of banks and service providers through a single point, Open Banking could open to the door to the ‘unbundling’ of banking. Adam Brazier, Executive Director for Financial Stability, Bank of England, in a speech to Imperial College Business School (19 th April 2018) @dgwbirch Please copy and distribute (last updated 16 July 2018) 11

  12. Dynamics Open Banking separates the “manufacturing” and “distribution” functions A new “packaging” function will appear @dgwbirch Please copy and distribute (last updated 16 July 2018) 12

  13. Technology Manufacturing is about efficiency and productivity Packaging is about flexibility and safety Distribution is about security and convenience @dgwbirch Please copy and distribute (last updated 16 July 2018) 13

  14. Bank Responses @dgwbirch Please copy and distribute (last updated 16 July 2018) 14

  15. Packaging: UK Open Banking Platform @dgwbirch Please copy and distribute (last updated 16 July 2018) 15

  16. (My Strategy: Digital Identity) Source: Accenture (July 2017) @dgwbirch Please copy and distribute (last updated 16 July 2018) 16

  17. Unexpected Consequences What will actually happen? @dgwbirch Please copy and distribute (last updated 16 July 2018) 17

  18. He says… @dgwbirch Please copy and distribute (last updated 16 July 2018) 18

  19. She says… @dgwbirch Please copy and distribute (last updated 16 July 2018) 19

  20. EU Outcome: Asymmetric Warfare @dgwbirch Please copy and distribute (last updated 16 July 2018) 20

  21. 21 st Century Anti-Trust Tired Wired • Break up monopolies • Open up monopolies • Trust-busting • APIs • More competitors • More competition @dgwbirch Please copy and distribute (last updated 16 July 2018) 21

  22. in the future, everyone will be famous for fifteen megabytes engage 15Mb Ltd. post 1 Armadale Road, Woking, Surrey GU21 3LB, UK call +44 1483 834631 contact dave@15Mb.ltd visit www.15Mb.ltd follow @dgwbirch comment blog.dgwbirch.com connect https://www.linkedin.com/in/dgwbirch/ order amazon.co.uk “Before Babylon, Beyond Bitcoin” @dgwbirch Please copy and distribute (last updated 16 July 2018) 22

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