optimising mobile signature v4
Post on 22-Apr-2015
657 Views
Preview:
DESCRIPTION
TRANSCRIPT
Restricted - Confidential Information
© GSMA 2012
All GSMA meetings are conducted in full compliance with the GSMA’s anti-trust compliance policy
Optimising Mobile Electronic Signature
2CONFIDENTIAL
Part 1:INTRODUCTION TO MOBILE IDENTITY
AND THE MOLDOVAN MOBILE ID PROGRAMME
3CONFIDENTIAL
Introduction to the GSMA and the mIdentity programme
About the GSMAThe GSMA represents the interests of mobile operators worldwide. Spanning more than 220 countries, the GSMA unites nearly 800 of the world’s mobile operators, as well as more than 200 companies in the broader mobile ecosystem, including handset makers, software companies, equipment providers, Internet companies, and media and entertainment organisations. The GSMA also produces industry-leading events such as the Mobile World Congress and Mobile Asia Expo.
About the mIdentity programmeThe GSMA Mobile Identity programme has been initiated to ensure that Operators are well positioned to understand and unlock the potential that electronic and mobile identity can offer the industry and its consumers. This includes being aware and prepared for the opportunities and challenges resulting from existing and upcoming legislative, regulatory and technical standards.
Working Group members:
4CONFIDENTIAL
The GSMA believes that mobilising identity will bring convenience and security to users, and will be a nice addition to operators’ service portfolio
Why identity should go mobile?
Mobility
• Putting identities on mobile phones will allow users to access places and services anytime, anywhere
Ubiquity
• There are ~6billion mobile subscription s in the world today
1 2 Security
• Potentially, mobile ID on the phone can be more secure because it is protected by a pin or is stored securely on the SIM or servers
3
Why should operators enter identity management?
Remote management
• Identity can be managed remotely (mobile certificates can be wiped, forwarded to another party easily etc)
4 Cost
• Digital document management is usually 6 times less costly than paper equivalents
5
Reduce churn
• If the SIM is more strongly tied to the identity of the user, users will be less likely to change operators
Leverage their assets
• MNOs own users’ SIMs which they carry everywhere
• They also have data on users, storage assets, and network capabilities to enable mobile ID
1 2 New revenues
• Diversify revenue streams with new B2B solutions to public and private clients
• Increase customer ARPU
3 Extended reach and improved image
• Facilitation of ID registration means more citizen will be able to access MNO services (SIM registration / KYC)
• Improves MNO’s image
4 Big companies are entering the space
• Large players such as Apple, Google or Facebook are entering this space through over-the-top services (e.g. Google Authenticator, Facebook Connect)
5
5CONFIDENTIAL
The GSMA mIdentity programme has been developed to catalyse the development of identity solutions on mobile
Identify the opportunity Identify & blueprint current best practice
Stimulate activityCatalyse the introduction and spread best practice business model and regulatory approach
Scale for industry impact Support the scaling of services to reach critical mass
The GSMA mIdentity group aims at catalysing the development of mobile identity solutions
1
2
3
Moldcell and GSMA are closely cooperating on the launch of Mobile eID in Moldova
Early member Selected as a pilotMeetings with other WG
members
6CONFIDENTIAL
Mobile eID will be launched in 2012 by Moldcell as part of the Moldovan government e-transformation initiatives
• Mobile eID has been chosen as the Authentication and Access Control (AAC) service which will enable remote access to government services.
• This service will identify and authenticating users, authorizing their transactions and determining their rights into various governmental information systems
• All public services shall have their electronic counterparts;
• An average of 12 new electronic services shall be implemented and launched every year;
• An average of 8 back-office processes should be digitized every year;
• 50% adoption of electronic public services shall be reached
By 2020 In 2012
Mobile eID Works on the same
principles as eID, but does not require smart card readers, nor a computer
The SIM is the smartcard, and the phone is the reader
Mobile penetration in Moldova is close to 94%,
eID Authentication Is the electronic equivalent
to showing an ID card in the physical world
Provides highest level of security as of today by using two factors of authentication: a device (the smart card) and a code
Reader
eID card
7CONFIDENTIAL
Mobile electronic signature is a legal way to prove one’s identity and the most secure authentication process
Subscribing
Certificate Authority
Conduct identity checks
MNO Point of Sale / Registration Authority
Collect identity documents
Subscriber
ID
ID Certificate
SIM including certificate + PIN
Using remote identification
Service provider
Mobile operator
1Access requested
2
Mobile num
ber of
the user
3
PIN re
ques
t4
PIN g
ener
ating
a ce
rtific
ate
Identity proven
6
7Access granted
Certificate authenticity
check5
8CONFIDENTIAL
North America: $1.3bn
South America: $228m
Sub Saharan Africa: $56m
South Asia: $647m
Asia Pacific: $1.7bn
Middle East and North Africa: $48m
Europe: $1.6b
The GSMA has identified Mobile Signature as being a big business opportunity in Europe for the coming years, generation $1.6b / year once mature
Mobile Signature
Remote enrolment
ID storage
Aggregated profilesPotential market size- +
Potential yearly revenues once market matures, by area and solution
9CONFIDENTIAL
Specificities of the Moldovan context are mostly encouraging, even if some others are potential challenges
Positive elements Potential challenges
Large scale launchWhere only one operator launched the service, success has been limited
Financial risk bore by the stateCertificates are paid by the state in exchange for a revenue share
No electronic alternativeIn other existing deployments, mobile ID competes with “eID + reader”
Interoperability & simplicitye-government services will be available on all networks at the same price
Low banking penetrationBanking services are usually among the most successful services
Low ARPU$9.6 against $11.8 in Turkey or $25.3 in Finland
Willingness to use mIDMNO should educate people to use it. Help of state agencies would be useful
10CONFIDENTIAL
Part 2:HOW TO MAXIMISE THE MOBILE ID
OPPORTUNITY
11CONFIDENTIAL
The mobile electronic signature value proposition is attractive for all stakeholders
• Increased reach- Anywhere: Make services accessible
from distant / isolated areas and from abroad
- Anytime: Make services accessible at any time of the day / of the year
• Cost savings:- Improve efficiency and costs
For the State For Telecom Operators
• New revenue stream- Monthly fee per user- Potential fee per transaction from
service providers
• Increased customer relevance- More services offered to consumers- Potential churn reduction
• Easier remote selling process- Remote contract signing- Non-repudiation and legal value
• Increased security:- Universally auditable- Certificate Authority liable in case of
fraud
For Service providers For users
• Access remotely to more service- e.g. Voting, loan request, tax
declaration, subsidy request…
• Simplified identification:- Single password and authentication
process for a large range of services
$
****
12CONFIDENTIAL
As in every double-sided market, a chicken-and-egg dilemma must be solved to maximise the opportunity
MORE SERVICES MORE USERS
For users, more services means a bigger opportunity:
- Higher value of the subscription- Increased convenience- More reasons to subscribe
For Service providers, more users means a bigger opportunity:
- Higher number of transactions- More potential customers- More reasons to choose mobile
ID as an identifier
Service provider Users
13CONFIDENTIAL
To increase attractiveness of the service at launch, the most appealing services must be developed first which will drive adoption
MORE SERVICES MORE USERS
Finance20
Government15
Business Solu-tions31
other2
EXAMPLE: For Turkcell Mobil Imza, a small number of banking services drive most of the transactions
Finance68%
Government27%
Business Solutions3%
other2%
Services by category Transactions by category
14CONFIDENTIAL
Governmental services
Financial services
Business solutions
Retail
Healthcare
Telecom
A larger range of services must be developed and made accessible to drive adoption beyond early adopters
Create a diversity of services Facilitate access to services
• Create online portals:
• Create physical access points:
• Make services interoperable
ID tickets (Estonia)Unique portal for transportation, exhibition, sport, etc. verifying concession status
Example:
Mobile signature ATM (Turkey)Cardless withdrawal identifying the user through mobile signature
Example:
Mobiilivarmenne (Finland)
Example:
All services are accessible with the three existing solutions, which drives addition of new services
15CONFIDENTIAL
To increase the attractiveness to service providers at launch, efforts must be focused on high-value subscribers
MORE SERVICES MORE USERS
EXAMPLE: For Turkcell, MobilImza is mostly used by high-value subscribers
$29.5
$11.8
Average Turkcell subscriber
Mobile Signature user
Average Revenue Per User
16CONFIDENTIAL
• Offer attractive pricing at launch
• Use cross-marketing with partners
• Official launch by the government
Other best practices have been identified to improve adoption rates beyond high-value customers
Drive momentum at launch Lower barriers to adoption
• Facilitate registration
• Avoid hardware change
• Share the cost with users
Joint registration process (Turkey)Turkcell re-uses bank’s credentials to secure the identity of service users
Example:
WPKI-ready SIMs dissemination (Turkey)Turkcell distributes WPKI SIMs to business customers as standard
Example:
VIP customers sponsorship (Turkey)
Example:
Garanti Bank pays the Mobile Signature service for their most valuable customers
Free trial period (Finland)Elisa and Sonera decided to offer the service for free during the first year
Example:
Turkcell + banks (Turkey)Turkcell launched several marketing campaigns with banks which were using Mobile Signature
Example:
WPKI
Moldcell + other operators + eGov (Moldova)Government support would make the project more credible and visible
17CONFIDENTIAL
THANK YOU FOR YOUR ATTENTION
QUESTIONS & ANSWERS
top related