thepaypers.com
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Submitted URL: https://business.worldline.com/e/130471/ean-wallet-consortium--1270660/33gzcg/2507104984/h/QN8oyaaXg9ESURuFN9Aem5FuJ6OsOtMVKPC1...
Effective URL: https://thepaypers.com/thought-leader-insights/advancing-the-european-digital-identity-framework-insights-from-the-euro...
Submission: On November 21 via api from BE — Scanned from DE
Effective URL: https://thepaypers.com/thought-leader-insights/advancing-the-european-digital-identity-framework-insights-from-the-euro...
Submission: On November 21 via api from BE — Scanned from DE
Form analysis 7 forms found in the DOM
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<script type="text/javascript">
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function __doPostBack(eventTarget, eventArgument) {
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<script src="/WebResource.axd?d=iOx2T2HXthABhRi3jJ2naEZz28Lz6FZEn2pdVnTh48udC_is9lIxe1rcaLFrJbVzCuktcnrYs_aHCCFpwkEi1EKL26kYTKdGXchbGhDayDw1&t=638595365742775590" type="text/javascript"></script>
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<script type="text/javascript">
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<script
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<div class="aspNetHidden">
<input type="hidden" name="__PREVIOUSPAGE" id="__PREVIOUSPAGE" value="SYqS6fRoxQlMVHC-qPnioM-oA29BLVOTIXTeIIWan7SHyb2iw9rFGmmXWTIYMRgzaYLybx2paKJ_KfywfCGTGe4kIQTbDNPp5zS9pU8eMbY1">
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<script type="text/javascript">
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</script>
<div class="container">
<div id="nonFooter">
<script type="text/javascript">
$(document).ready(function() {
attachEventListener(document, "onkeypress", safeinput, false);
var keepOpenEdition = false;
var keepOpenLogin = false;
$(".nav_sections").click(function() {
if ($(".menu_row1").is(":visible")) {
$(".menu_row1").removeAttr("style");
$(".nav_sections").removeClass("active");
} else {
$(".menu_row1").show();
$(".nav_sections").addClass("active");
if ($(".search_mobile").is(":visible")) {
$(".search_mobile").hide();
$(".nav_search").removeClass("active").addClass("inactive");
}
}
});
$(".nav_search").click(function() {
if ($(".search_mobile").is(":visible")) {
$(".search_mobile").removeAttr("style");
$(".nav_search").removeClass("active").addClass("inactive");
} else {
$(".search_mobile").show();
$(".nav_search").removeClass("inactive").addClass("active");
if ($(".menu_row1").is(":visible")) {
$(".menu_row1").removeAttr("style");
$(".nav_sections").removeClass("active");
}
}
});
$(".footer_mobile h5").click(function() {
var content = $(this).parent().find(".footer_content");
if (content.is(":visible")) {
content.removeAttr("style");
$(this).find(".footer_arrow").removeClass("up").addClass("down");
} else {
$(".footer_content").hide();
$(".footer_arrow").removeClass("up").addClass("down");
content.show();
$(this).find(".footer_arrow").removeClass("down").addClass("up");
}
});
enquire.register("screen and (max-width:880px)", {
match: function() {
$(".footer_arrow").removeClass("up").addClass("down");
$(".footer_content").removeAttr("style");
$(".menu_row1").removeAttr("style");
$(".nav_sections").removeClass("active");
$(".edition_details").removeAttr("style");
$(".edition_toggle").removeClass("up").addClass("down").removeClass("editions_open");
$(".tab_x").removeClass("editions_open");
}
}).listen();
enquire.register("screen and (min-width:881px)", {
match: function() {
$(".footer_content").removeAttr("style");
$(".menu_row1").removeAttr("style");
$(".nav_sections").removeClass("active");
$(".edition_details").removeAttr("style");
$(".edition_toggle").removeClass("up").addClass("down").removeClass("editions_open");
$(".tab_x").removeClass("editions_open");
}
}).listen();
enquire.register("screen and (min-width:600px)", {
match: function() {
$(".search_mobile").removeAttr("style");
$(".nav_search").removeClass("active").addClass("inactive");
}
}).listen();
});
</script>
<div class="colorheader showForMobile hideForTablet">
</div>
<div class="colorheader2 hideForMobile showForTablet">
</div>
<div class="nav_mobile showForMobile showForTablet">
<a href="https://thepaypers.com">
<div class="nav_thepaypers showForMobile showForTablet"></div>
</a>
<div class="nav_sections"></div>
<div class="nav_search inactive"></div>
</div>
<div class="mainheader showForDesktop hideForMobile showForTablet ">
<div style="text-align: center;">
<a href="https://thepaypers.com">
<div class="header_logo"></div>
</a>
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<h1>Advancing the European Digital Identity Framework: insights from the European Wallet Consortium</h1>
<span class="source">Wednesday 23 October 2024 08:52 CET | Editor: Mirela Ciobanu | <span id="ctl00_MainPlaceHolder_pHeader" class="type">Voice of the industry</span></span>
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<p style="text-align: justify;">
<b><i>Claire Deprez Pipon</i></b><i> and <b>Marie Austenaa</b> delve into the European Digital Identity Framework, emphasising the European Wallet Consortium’s exploration of payment and digital identity convergence. </i>
</p>
<div style="text-align: justify;"><br>
</div>
<p style="text-align: justify;"><span style="text-align: left;">The article also highlights key insights gathered from the consortium.</span></p>
<p style="text-align: justify;"> </p>
<b>
<h2 class="nounderline">Introduction</h2>
</b>
<p style="text-align: justify;">The landscape of digital identity is rapidly evolving, driven by regulations aimed at enhancing security and interoperability. In 2014, the European Commission introduced the Electronic
Identification, Authentication and Trust Services, eIDAS, regulation. This initial framework aimed to foster secure digital interactions across EU borders. A subsequent version of this regulation – The European Digital
Identity Framework – has been launched, focusing on increasing interoperability in digital identities. By the end of 2026, all EU Member States will be mandated to provide European Digital Identity Wallets to their
citizens, transforming how individuals interact with digital services.<span style="white-space: pre;"> </span></p>
<p style="text-align: justify;"> </p>
<b>
<h2 class="nounderline">European Digital Identity Wallets: a vision for the future</h2>
</b>
<p style="text-align: justify;">The European Digital Identity Wallets (EUDIW) are designed to facilitate various use cases, ranging from opening a bank account to traveling across borders. These wallets will serve as
essential tools for citizens to validate their identities for various purposes, including Strong Consumer Authentication (SCA) for online payments. Additionally, they could hold payment credentials, initiate transactions
online and in-store, and combine identity attributes with payment information to confirm eligibility.<span style="white-space: pre;"> </span></p>
<p style="text-align: justify;"><span style="white-space: pre;"><br>
</span></p>
<p style="text-align: center;"><img alt="" src="/Images/worldline-eudi-framework.jpg"></p>
<p style="text-align: center;"> </p>
<b>
<h2 class="nounderline">The role of the European Wallet Consortium (EWC)*</h2>
</b>
<p style="text-align: justify;">The European Wallet Consortium was 1 of 4 consortia selected and funded by the European Commission to explore wallet use cases. EWC focuses on travel, payment use cases, and organisational
digital identity. This consortium comprises several key companies, including Visa, which leads the payment taskforce, and Worldline, which contributes with its payment expertise. <span style="white-space: pre;">
</span></p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"><i>Travel, organisational identity & payments</i></p>
<p style="text-align: justify;">The EWC is working on three different scopes with various objectives: </p>
<p style="text-align: justify;">The objective in the travel sector includes reducing friction in the industry through the application of EUDIW, focusing on use cases such as managing advanced passenger information, digital
travel credentials for border crossings, and guest registration in hotels. </p>
<p style="text-align: justify;">For organisational identity, the aim is to streamline cross-border identity proofing for businesses in areas like procurements, e-receipts, and verification of essential attributes necessary
for conducting business (both domestically and internationally). </p>
<p style="text-align: justify;">In the payment sector, the EWC seeks to promote the everyday usage of the EUDI Wallet for payment authentication and initiation.<span style="white-space: pre;"> </span></p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"><i>Payment and digital identity</i></p>
<p style="text-align: justify;">EWC’s Payment and digital identity cross-industry task force is exploring barriers and enablers to scale adoption and acceptance of the EUDI Wallet in payment. Payment is a key use case to
drive the adoption of the EUDI Wallets and banks will have to propose to their customers the EUDI Wallet as an alternative SCA method by online payment by the end of 2027.</p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;">Within the realm of payments, the EWC is investigating key use cases: </p>
<p style="text-align: justify;"><b>Payment authentication</b>: utilising the EUDI Wallet as an alternative method for Strong Customer Authentication (SCA) in online transactions. This approach satisfies regulatory
obligations while enhancing user experience. Two variations have been identified: </p>
<ul>
<li>
<p>‘bank-led SCA’: in this variant, the merchant initiates the authentication conversation like today. The payer’s bank issuer, however, invokes the user’s EUDI wallet for step-up authentication. The wallet thus acts
like a drop-in replacement for existing authentication methods. </p>
</li>
<li>
<p>‘Merchant-captured SCA’: in this variant, it is the merchant requesting authentication data from the wallet prior to starting the authentication conversation. This data is forwarded to the payer’s bank for
validation.</p>
</li>
</ul>
<p style="text-align: justify;"><b>Payment Initiation</b>: the wallet will allow users to hold payment credentials (card or account tokens) and initiate payments with ease, whether in-store or online for ecommerce. The
goal is to promote an experience where the one-click step is enough to authenticate, validate the necessary identity attributes, and process the payment. You can find dedicated demonstrations here:
<a href="https://worldline.com/en/home/main-navigation/resources/resources-hub/videos/videos-use-cases-for-digital-identity-hub" target="_blank">Worldline Global | Use cases for Digital Identity Hub</a>. This capability
will significantly reduce friction during transactions.<span style="white-space: pre;"> </span></p>
<p style="text-align: justify;"> </p>
<b>
<h2 class="nounderline">Key insights from the EWC</h2>
</b>
<p style="text-align: justify;">While the potential of the European Digital Identity Wallets is promising, several challenges and benefits will potentially arise during their implementation.<span style="white-space: pre;">
</span></p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;">Challenges:</p>
<ul>
<li>
<p>Need to get the technology standards right and completed – including industry-specific standards and the ability to leverage existing infrastructure.</p>
</li>
<li>
<p>Risk of continued national fragmentation as build and certification are national responsibilities.</p>
</li>
<li>
<p>Commercial models are still vague – but entities who own (information) assets are well positioned in principle.</p>
</li>
<li>
<p>Regulatory and legal alignment – e.g. avoiding outsourcing when relying on the EUDI wallet for SCA – including for merchant-captured SCA.<span style="white-space: pre;"> </span></p>
</li>
</ul>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;">Opportunities:</p>
<ul>
<li>
<p>The significant installed base of interoperable and trusted EUDI wallets available to rely on – investments done by others.</p>
</li>
<li>
<p>EUDI wallet brings potential new use cases – a wider choice of wallets for payment, flexibility in payment authentication (i.e. merchant-captured authentication), pay and confirm identity attributes, and digital
proofs such as proof of income or proof of IBAN.</p>
</li>
<li>
<p>Business opportunities across the eco-system created through eIDAS by lowering costs or introducing new business opportunities.<span style="white-space: pre;"> </span></p>
</li>
</ul>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;">
<i>eIDAS, EUDI wallet, and the ARF are overcoming industry ‘commitment phobia’: Wallets and Verifiable Credentials are part of the future for digital transformation.<span style="white-space: pre;"> </span></i></p>
<p style="text-align: justify;"> </p>
<b>
<h2 class="nounderline">Conclusion</h2>
</b>
<p style="text-align: justify;">The European Digital Identity Framework represents a significant leap towards a secure, interoperable digital landscape. Guided by initiatives from the European Wallet Consortium, the
framework aims to enhance the way individuals engage with digital services across Europe. As the rollout progresses, it is crucial for stakeholders to tackle challenges while maximising the benefits of improved secure
and streamlined transactions.<span style="white-space: pre;"> </span></p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;">
<i>* The EU Digital Identity Wallet Consortium (EWC) is a consortium co-financed by the European Union, tasked with conducting large-scale pilots to test and demonstrate the effectiveness of the EU Digital Identity Wallet for the travel use case, organisational digital identity, and payment. With members from across Europe, the EWC is at the forefront of developing innovative solutions to enhance digital identity verification and utilisation across the continent.<span style="white-space: pre;"> </span></i>
</p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b>About Claire Deprez Pipon</b></p>
<p style="text-align: justify;"><img alt="" src="/Images/claire-deprez-pipon-worldline.jpg" style="float: left; margin: 1px 10px 1px 1px;">Claire is responsible for the product management of Strong Customer Authentication
and Security solutions such as Trusted Authentication and Digital Security Suite within Worldline. With advanced payments technology, local expertise, and solutions customised for hundreds of markets and industries,
Worldline powers the growth of over one million businesses worldwide.</p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b>About Marie Austenaa</b></p>
<p style="text-align: justify;"><img alt="" src="/Images/marie-austenaa-mastercard.jpg" style="float: left; margin: 1px 10px 1px 1px;">Marie Austenaa leads Digital Identity in Europe for Visa. She has been working in
digital identity since 2014, when she led GSMA’s global programme on Digital Identity for mobile operators around the world and later at Signicat – one of the leading digital identity service providers in Europe. Marie
currently serves as the Board Chair for the Open Wallet Foundation (Linux Foundation). Marie was selected for Okta25 Digital Identity Innovators for 2024.</p>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b>About Worldline</b></p>
<p style="text-align: justify;">
<a href="https://worldline.com/" target="_blank"><img alt="" src="/Images/worldline-logo-new.png" style="width: 250px; height: 41px; float: left; margin: 1px 10px 1px 1px;">Worldline [Euronext: WLN] </a>helps businesses
of all shapes and sizes to accelerate their growth journey – quickly, simply, and securely. With advanced payments technology, local expertise, and solutions customised for hundreds of markets and industries, Worldline
powers the growth of over one million businesses around the world. Worldline generated a 4.6 billion euros revenue in 2023. </p>
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<h4><a href="https://thepaypers.com/expert-opinion/addressing-the-looming-threat-of-real-time-payment-fraud-and-scams--1271013">
Addressing the looming threat of real-time payment fraud and scams
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Fighting fraud beyond Verification of Payee
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<h4><a href="https://thepaypers.com/expert-opinion/when-speed-becomes-a-risk-introducing-the-paypers-rtp-fraud-series--1271055">
When speed becomes a risk – Introducing The Paypers' RTP Fraud Series
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<td class="listTime">19 Nov</td>
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<h4><a href="https://thepaypers.com/expert-opinion/data-and-ai-finding-the-recipe-for-results--1271041">
Data and AI – finding the recipe for results
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<td class="listTime">19 Nov</td>
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<h4><a href="https://thepaypers.com/expert-opinion/loyalty-reimagined-the-future-of-consumer-engagement--1271038">
Loyalty reimagined – the future of consumer engagement
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<td class="listTime">20 Nov</td>
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<h4><a href="https://thepaypers.com/interviews/the-new-oil-how-payment-data-is-fuelling-tomorrows-winners--1271062">
The new oil: how payment data is fuelling tomorrow's winners
</a></h4>
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<h4><a href="https://thepaypers.com/interviews/preparing-for-the-future-of-fraud-prevention--1271040">
Preparing for the future of fraud prevention
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<h4><a href="https://thepaypers.com/interviews/max-imbiel-on-how-bitpanda-ensures-safe-and-accessible-investing--1271004">
Max Imbiel on how Bitpanda ensures safe and accessible investing
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<h4><a href="https://thepaypers.com/interviews/credit-scoring-20-from-legacy-to-real-time-aperidata-interview--1270974">
Credit scoring 2.0: from legacy to real-time | AperiData interview
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<h4><a href="https://thepaypers.com/interviews/open-banking-transforming-lending-payments-and-financial-support--1270938">
Open Banking: transforming lending, payments, and financial support
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<a href="https://thepaypers.com/events#6669">28 Nov</a>
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Voice of the Industry
ADVANCING THE EUROPEAN DIGITAL IDENTITY FRAMEWORK: INSIGHTS FROM THE EUROPEAN
WALLET CONSORTIUM
Wednesday 23 October 2024 08:52 CET | Editor: Mirela Ciobanu | Voice of the
industry
Claire Deprez Pipon and Marie Austenaa delve into the European Digital Identity
Framework, emphasising the European Wallet Consortium’s exploration of payment
and digital identity convergence.
The article also highlights key insights gathered from the consortium.
INTRODUCTION
The landscape of digital identity is rapidly evolving, driven by regulations
aimed at enhancing security and interoperability. In 2014, the European
Commission introduced the Electronic Identification, Authentication and Trust
Services, eIDAS, regulation. This initial framework aimed to foster secure
digital interactions across EU borders. A subsequent version of this regulation
– The European Digital Identity Framework – has been launched, focusing on
increasing interoperability in digital identities. By the end of 2026, all EU
Member States will be mandated to provide European Digital Identity Wallets to
their citizens, transforming how individuals interact with digital services.
EUROPEAN DIGITAL IDENTITY WALLETS: A VISION FOR THE FUTURE
The European Digital Identity Wallets (EUDIW) are designed to facilitate various
use cases, ranging from opening a bank account to traveling across borders.
These wallets will serve as essential tools for citizens to validate their
identities for various purposes, including Strong Consumer Authentication (SCA)
for online payments. Additionally, they could hold payment credentials, initiate
transactions online and in-store, and combine identity attributes with payment
information to confirm eligibility.
THE ROLE OF THE EUROPEAN WALLET CONSORTIUM (EWC)*
The European Wallet Consortium was 1 of 4 consortia selected and funded by the
European Commission to explore wallet use cases. EWC focuses on travel, payment
use cases, and organisational digital identity. This consortium comprises
several key companies, including Visa, which leads the payment taskforce, and
Worldline, which contributes with its payment expertise.
Travel, organisational identity & payments
The EWC is working on three different scopes with various objectives:
The objective in the travel sector includes reducing friction in the industry
through the application of EUDIW, focusing on use cases such as managing
advanced passenger information, digital travel credentials for border crossings,
and guest registration in hotels.
For organisational identity, the aim is to streamline cross-border identity
proofing for businesses in areas like procurements, e-receipts, and verification
of essential attributes necessary for conducting business (both domestically and
internationally).
In the payment sector, the EWC seeks to promote the everyday usage of the EUDI
Wallet for payment authentication and initiation.
Payment and digital identity
EWC’s Payment and digital identity cross-industry task force is exploring
barriers and enablers to scale adoption and acceptance of the EUDI Wallet in
payment. Payment is a key use case to drive the adoption of the EUDI Wallets and
banks will have to propose to their customers the EUDI Wallet as an alternative
SCA method by online payment by the end of 2027.
Within the realm of payments, the EWC is investigating key use cases:
Payment authentication: utilising the EUDI Wallet as an alternative method for
Strong Customer Authentication (SCA) in online transactions. This approach
satisfies regulatory obligations while enhancing user experience. Two variations
have been identified:
* ‘bank-led SCA’: in this variant, the merchant initiates the authentication
conversation like today. The payer’s bank issuer, however, invokes the user’s
EUDI wallet for step-up authentication. The wallet thus acts like a drop-in
replacement for existing authentication methods.
* ‘Merchant-captured SCA’: in this variant, it is the merchant requesting
authentication data from the wallet prior to starting the authentication
conversation. This data is forwarded to the payer’s bank for validation.
Payment Initiation: the wallet will allow users to hold payment credentials
(card or account tokens) and initiate payments with ease, whether in-store or
online for ecommerce. The goal is to promote an experience where the one-click
step is enough to authenticate, validate the necessary identity attributes, and
process the payment. You can find dedicated demonstrations here: Worldline
Global | Use cases for Digital Identity Hub. This capability will significantly
reduce friction during transactions.
KEY INSIGHTS FROM THE EWC
While the potential of the European Digital Identity Wallets is promising,
several challenges and benefits will potentially arise during their
implementation.
Challenges:
* Need to get the technology standards right and completed – including
industry-specific standards and the ability to leverage existing
infrastructure.
* Risk of continued national fragmentation as build and certification are
national responsibilities.
* Commercial models are still vague – but entities who own (information) assets
are well positioned in principle.
* Regulatory and legal alignment – e.g. avoiding outsourcing when relying on
the EUDI wallet for SCA – including for merchant-captured SCA.
Opportunities:
* The significant installed base of interoperable and trusted EUDI wallets
available to rely on – investments done by others.
* EUDI wallet brings potential new use cases – a wider choice of wallets for
payment, flexibility in payment authentication (i.e. merchant-captured
authentication), pay and confirm identity attributes, and digital proofs such
as proof of income or proof of IBAN.
* Business opportunities across the eco-system created through eIDAS by
lowering costs or introducing new business opportunities.
eIDAS, EUDI wallet, and the ARF are overcoming industry ‘commitment phobia’:
Wallets and Verifiable Credentials are part of the future for digital
transformation.
CONCLUSION
The European Digital Identity Framework represents a significant leap towards a
secure, interoperable digital landscape. Guided by initiatives from the European
Wallet Consortium, the framework aims to enhance the way individuals engage with
digital services across Europe. As the rollout progresses, it is crucial for
stakeholders to tackle challenges while maximising the benefits of improved
secure and streamlined transactions.
* The EU Digital Identity Wallet Consortium (EWC) is a consortium co-financed by
the European Union, tasked with conducting large-scale pilots to test and
demonstrate the effectiveness of the EU Digital Identity Wallet for the travel
use case, organisational digital identity, and payment. With members from across
Europe, the EWC is at the forefront of developing innovative solutions to
enhance digital identity verification and utilisation across the continent.
About Claire Deprez Pipon
Claire is responsible for the product management of Strong Customer
Authentication and Security solutions such as Trusted Authentication and Digital
Security Suite within Worldline. With advanced payments technology, local
expertise, and solutions customised for hundreds of markets and industries,
Worldline powers the growth of over one million businesses worldwide.
About Marie Austenaa
Marie Austenaa leads Digital Identity in Europe for Visa. She has been working
in digital identity since 2014, when she led GSMA’s global programme on Digital
Identity for mobile operators around the world and later at Signicat – one of
the leading digital identity service providers in Europe. Marie currently serves
as the Board Chair for the Open Wallet Foundation (Linux Foundation). Marie was
selected for Okta25 Digital Identity Innovators for 2024.
About Worldline
Worldline [Euronext: WLN] helps businesses of all shapes and sizes to accelerate
their growth journey – quickly, simply, and securely. With advanced payments
technology, local expertise, and solutions customised for hundreds of markets
and industries, Worldline powers the growth of over one million businesses
around the world. Worldline generated a 4.6 billion euros revenue in 2023.
--------------------------------------------------------------------------------
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Keywords: identity verification, digital wallet, payment processing, online
authentication, EIDAS, fraud management Categories: Fraud & Financial Crime
Companies: Countries: Europe
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