Page 153 - The Digital Financial Services (DFS) Ecosystem

ITU-T Focus Group Digital Financial Services
Ecosystem

Challenges with enrollment or use of the Not specified
program by women:
% of the enrolled who are women: Not specified

Challenges with enrollment or use of the Disabled individuals are not permitted identity cards. 22
program by other populations: Transgender individuals are not allowed to change their genders on identity
cards. 23
Rural and indigenous populations are largely undocumented and cannot register
without birth certificates. 24

Cost/Person: US $10.32 – US $79.80 25
At service office: US $10.32
In coastal regions: US $21.83
In highlands: US $42.05
In jungle regions: US $79.80

Challenges with Implementation or Program: • Enrollment: limited human resources, including trained officials to address
cultural or language barriers, impacted the ability to enroll populations in rural
areas. 26
• Coverage: there is a lack of available registry centers. RENIEC deployed itiner-
27
ant (traveling) registry teams to address this issue, though they were met with
high costs and challenges with the lack of resources in remote areas. 28
Process for responding to implementation RENIEC was granted Quality Certification from the Societe Generale de Surveil-
challenges: lance (SGS S.A.) to hold themselves accountable in terms of the technology and IT
systems. 29

FUNCTIONAL USES OF PROGRAM
Financial Services (including Social Transfers)
• KYC: an identity card is required to verify identity when opening a bank account. 30
31
• Social Transfers: An identity card is required to verify identity when receiving social security benefits. RENIEC partners with
the development organization JUNTOS to register poor citizens, and then the database is used to distribute aid. 32
Health
• KYC: an identity card is required to verify identity and access the national healthcare system. 33
Election
• Voter registration: the voter registry is based on the civil registry, which citizens are included in once they register for their
identity card. 34
• Voting: citizens must present their DNI or DNIe to cast a vote. 35
Surveillance and Security
• SIM registration: prepaid phones can only be activated after biometric data is used to verify the identity of the user through the
national register, RENIEC. 36
Other Functions
• KYC: an identity card is required to marry, own or inherit property, or find formal work. 37

5
3
6
1 Hartitz & Boekle, 2009, Gelb & Clark, 2013, The Carter Center, 2013, Ibid., High Security Printing, 2015, Hartitz & Boekle,
4
2
7
2009, Ibid., The Carter Center, 2013, Ibid., Hartitz & Boekle, 2009, Lee, 2015b, rennan Center for Justice, n.d., Reyna,
13
10
9
11
8
12
18
17
19
20
16
15
2014, The Carter Center, 2013, High Security Printing, 2015, Ibid., Chase, 2014, The Carter Center, 2013, Ibid., Ibid,
14
26
27
22
21 Ibid., Cunningham, 2013, Chase, 2014, Cunningham, 2013, Reyna, 2014, Ibid., Cunningham, 2013
24
25
23
28 Reyna, 2014, Hartitz & Boekle, 2009, Cunningham, 2013, Ibid., Reyna, 2014, Cunningham, 2013, The Carter Center,
34
30
31
32
33
29
36
37
35
2013, Ibid., Lee, 2015b, Cunningham, 2013.
125