Stuart Lacey / @StuartHLacey @Trunomi

"The data we create about ourselves should be owned by each of us, not by the large companies that harvest it”

Sir Tim Berners-Lee

Government Policy &

Regulations

Consumer Awareness

Technological Innovation

THE ENVIRONMENT

Breach Risk & Sanctions

CONVERGENCE

Constantly evolving global regulatory environment (Opt-In, GDPR, Sanctions)

Cloud Risk – jurisdictional / move to decentralisation / blockchain / no reliance

The migration toward a Global Identity Superset, KYC becoming KY3P

Fintech disintermediation: > 60% of all Financial Services Revenues to be lost

Focus on customer experience / the under-banked / the next billion customers

@Trunomi

Benefits •  Customer-Driven solution •  Simple User Interface •  Significantly improve account

opening completion rates •  Simplify on-going due

diligence •  In-app secure messaging

Features •  Platform and device agnostic

•  Customer managed Personal Data Store

•  All-digital channel (privacy bridge)

•  Engages with all forms of legal entities

•  Digital Rights Management

PERSONAL DATA STORE

| END TO END SOLUTION

@Trunomi

CONSENT IS KING

2°

358°

USE CASE | Personal Data from IoT devices is being used without consent

Innovative customer engagement that provides personalized experiences. Digital Data Delivery Empower customers to communicate easily and manage securely Increase access to customer data with their informed, explicit consent. Provide personalized experiences.

Challenge

•  Empower data-rich companies to deploy solutions to end-users that curate their Personal Data Store

•  Provide end-users with a platform with Digital Rights Management to share that data with informed consent

•  Link PDS to vendor networks with real-time payments

•  RESULT is that companies cut costs, increase loyalty

•  RESULT is that end-users monetize their own data

•  RESULT is Regulatory, Morally & Data Privacy correct

Solution

•  Consumer devices (smart phones, wearables, IoT) are creating data at ever increasing rates

•  This data is being sold back to consumers in the form of increased costs of goods & services

•  Individuals are becoming increasingly aware of the value of their data

•  They increasingly demand a personal experience, but one which respects their data privacy

•  Individuals want control over Who, How, What, When, Where and Why

@Trunomi

The incoming EU General Data Protection Regulation means Financial Institutions have to fundamentally rethink the ways in which they collect and handle customer data. Major requirements are:

Data portability, to obtain an electronic copy of

personal data

Informed, explicit

consent & right to

withdraw To capture consent and

deliver auditable

proof

Erasure of customer personal

data (right to be forgotten)

Customers must be

informed of data breach

Access information

about processing of personal

data

TIPPING POINT? SOLVE FOR E.U. GDPR

www.trunomi.com/our-viewpoints/

@Trunomi Trunomi www.trunomi.com / Trunomi info@trunomi.com

Realising the potential of

customer data through the power

of consent