Page 75 - ITU-T Focus Group Digital Financial Services – Technology, innovation and competition

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

A.5.2 Brokered credential service provider model summary

Brokered credential service provider
Description 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.

Strengths • Transactions between service providers are less easily linked;
• No attribute data is exchanged during identity transactions;
• Simplifies access to service providers.

Weaknesses • Does not enhance inclusion;
• Specifically focused on authentication;

• Potential for central hub to link transactions depending on how system is
implemented.

Examples Canadian credential broker service

A.5.3 Personal identity provider architecture
In the personal IDP model, a personal data store controls the ways in which previously collected identity
attributes are shared. It achieves this by encrypting data using keys under the control of the individual. Attributes
held within the store are signed by a trusted third party such as a bank or a mobile network operator in order
to verify their accuracy. Figure 13 illustrates the personal IDP model architecture.

Figure 13: Personal identity provider architecture

A.5.4 Applications within DFS

The benefits of the personal IDP model are situated mainly around user privacy and control. However, in the
absence of trusted automation the model imposes a significant requirement on the citizen to administer access
consistent with their understanding of privacy implications. In low literacy economies, such as Burkina Faso ,
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the integrity of this type of system is likely to be undermined in the wake of convenience. Furthermore, the
necessity for consumers to have access to a means of administration for the data store adds further argument
to suggest the solution is more appropriate for developed markets.

41 https:// www. cia. gov/ library/ publications/ the- world- factbook/ fields/ 2103. html#wa

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