Page 74 - ITU-T Focus Group Digital Financial Services – Technology, innovation and competition
P. 74

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



               A.5    Brokered credential service providers (CSPs) architecture

               In the brokered credential service provider model identification and authorisation activities are left to the
               service provider. The CSP focuses specifically on establishing reliable credentials that can be used transactionally
               to assert an already-established identity.

               Typically, the same consumer will establish a separate credential for every service provider they wish to interact
               with. The mechanism for authenticating the consumer in order to forward this credential however may be
               consistent regardless of where it is being sent. Consequently, each service provider may undertake parallel
               identification activities for the same consumer. Transactions in this model are intermediated via a central hub.

               Figure 12: Brokered credential service model



























               A.5.1  Applications within DFS
               Although this model is currently believed to be unique to the Canadian Central Broker Service, other similar
               schemes such as those implemented through the FIDO alliance may have beneficial applications within a DFS
               environment.
               Bangladesh has one of the lowest rates of mobile money usage among women globally (women make up less
               than 18 per cent of total digital finance users in the country ). Among other contributing factors, a recent
                                                                  38
               study by CGAP  identified low literacy rates as one of the key reasons for this. Schemes such as FIDO have the
                           39
               flexibility to support different user authentication mechanisms via a single point of integration; thus facilitating
               an environment where market-appropriate solutions such as biometrics can be universally deployed through
               compliance to a single standard, the results of which could enable a reduced dependency on knowledge of a
               particular dialect. This could prove particularly useful in countries such as Burundi where (according to the CIA
               World Factbook) only 29.7 per cent of the population speak the official language . Users could also benefit
                                                                                   40
               from enhanced privacy as credential brokerage services have a higher propensity for personal identifiers
               between service providers to be unlinkable.
               Although the brokered CSP model can enable certain usability and privacy benefits, it does not provide a holistic
               approach to digital identity and in many cases, reduces customer convenience by requiring identification
               activities from each individual service provider.







               38   http:// www. cgap. org/ blog/ digital- finance- bangladesh- where- are- all- women
               39   http:// www. cgap. org/ blog/ digital- finance- bangladesh- where- are- all- women
               40   https:// www. cia. gov/ library/ publications/ the- world- factbook/ geos/ by. html



                60
   69   70   71   72   73   74   75   76   77   78   79