NEMI D A UNI QUE COLLABORATI ON Jeanett Cameron Danish Bankers’ Association
AGENDA 1 . Nem I D – national digital foundation for authentification 2 . The public and private collaboration 3 . I dentity fraud 4 . Perspectives on the next generation Nem I D
Nem I D – national digital foundation for authentification • NemID is - in an international context - unique in the sense that the public and private sector has created one single digitial identity solution deeply integrated in all the Danish banks (86 institutions) and the broad public services, meaning: • All public offices use NemID (eDag3) • All banks use NemID as their log-in feature • More than 250 private vendors have adapted NemID as their chosen identity tool
The participation of the banks in enrolling and issuing identities has ensure a widespread and swift uptake of NemID. Today there is more than 4,57 mio. issued NemID - identities. 4
Collaboration – extention and experience • Not just technical. The collaboration includes administrative procedures, support networks and protocols a.o. Learnings • One solution provides a unique recognition and understanding by the users. • Public/ private collaboration has strengthened the national digital agenda and the banks role as essential in the dialogue with regulators. • The collaboration has identified many similarities between sectors like e.g. risk management. • Users’ expectations and security threats require agility – public processes e.g. tender obligations can be challenging • Collaborations need to focus on the ”need to have” rather than get derailed by ”nice to have”. Focus on cost efficiency. 5
Enables exchange of inform ation betw een public and private sector 6
Cyber fraud: Real tim e phising 7
8 The purpose is still to get rich fast – new enabler
Future identity threats – depend on the crim inal business case • Social engineering is on the rise (targeted phising, invisible intruders) • Fake president’s fraud, invoice fraud, recent spike in snail mail fraud • Attacks on the finanancial sector are increasingly professionelly planned, well organised and executed in record speed. • Increased crossborder collaborations within law enforcement in order to reduce cybercrime (supported through Europol/ Interpol) 9
Perspectives on next generation Nem I D • The banks want to continue the collaboration! • The DBA has facilitated the process and have engaged in the technical dialogue with the Danish Digitisation Agency as a a prelude to the public ender of partnership • On behalf of the banks we have stressed the following, • Cost efficient solution • Fulfill the customers’/ citizens’ expectations in terms of – Security & trust (NemID brand preservation) – Usability – Access • Flexible and agile project governance structure • ”Need to have” commonalities rather than ”Nice to have” – minimum collaboration • Swift response to any security incident • Incorporation of e-engagement & transfer of digitally signed docs 10
SPØRGSMÅL ELLER KOMMENTARER
TAK FOR OPMÆRKSOMHEDEN! Jeanett Cameron Senior Consultant jea@finansraadet.dk
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