Page 68 - ITU-T Focus Group Digital Financial Services – Technology, innovation and competition

ITU-T Focus Group Digital Financial Services
Technology, Innovation and Competition

Table 1: MNO’s capacity to collect information

Facebook (United States) China Mobile (China)

Market penetration 156 million (48 per cent ). 1.28 billion (92 per cent ).
1
4
3
2
Identification Rich data sets of self-asserted informa- Transactional data sets collected through
mechanism tion collected through regular consumer regular consumer interaction
interaction.
Authentication Username and password. SIM.
mechanism

Authorisation oppor- Access for credit scoring, targeted marketing, Access for credit scoring, targeted mar-
tunities within DFS and powering personal finance management keting, and powering personal finance
services. management services.
Assurance mecha- Analysis of social graph information to deter- Analysis of social graph information to
nism for self-asserted mine level of assurance. determine level of assurance.
data

1 http:// www. statista. com/ statistics/ 398136/ us- facebook- user- age- groups/
2 https:// www. census. gov/ popclock/
3 http:// www. statista. com/ statistics/ 278204/ china- mobile- users- by- month/
4 http:// www. worldometers. info/ world- population/ china- population/

Monolithic IDP summary
Monolithic IDP model
Description Large commercial entity acting as a digital IDP, offering identification and authentication ser-
vices for third party organisations.
Strengths • Collect rich data sets from regular interactions with consumers;

• Inclusion enabling;
• Leverage existing scale to alleviate barriers to adoption.

Weaknesses • Typically dependent on self-asserted data;
• Poor penetration among target demographic for DFS;

• Do not promote consumer choice;
• Create concerns around consumer privacy and data breach vulnerability.

Examples Facebook Connect, Google.

A.2 Federated Internet IDP architecture

Federated identity systems offer many of the benefits of the monolithic IDP model. Key differences are the
number of concurrent service offerings and often, the specification of protocols for interoperability e.g.: OpenID
Connect. Whereas in the monolithic model, a dominant market player offers identity services, federated
architectures involve consumers choosing from multiple offerings from separate providers. Figure 8 illustrates
the federated identity architecture model.

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