Page 44 - ITU-T Focus Group Digital Financial Services – Recommendations

ITU-T Focus Group Digital Financial Services
Recommendations

Title of recommendation Issuance of a dynamic, self-asserted digital identity
Working Group Technology, Innovation and Competition

Workstream Identity and authentication
Audience for recommendation DFS Operators

Where a customer is unable to provide a foundational document of digital identity, issue a dynamic, self-as-
serted digital identity.

The level of assurance of this digital identity should be developed over time, by measures such as:

• Associating a strong form of authentication, such as biometrics, with the identity, so that the service
provider can be assured that the same person is accessing the service on each occasion;

• Attaching an attribute noting sponsorship/endorsement from someone who does have the necessary
documentation/state-issued digital identity;

• Verifying the 2FA opportunity presented by a self-asserted mobile phone number;
• Adding additional attributes as further documentation becomes available;
• Noting repeated/consistent usage of the digital identity over a period of months.
• The nature of the financial services that can be delivered to the customer can then be linked to this level
of assurance, rather than the initial lack of documentation

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