Digital identity: a beneficial model for European companies – EconomieMatin

As more and more people have integrated digital into their daily routine, allowing them to perform more tasks online, it is clear that the activities of greatest value are activities where users must provide verifiable personal information. Providing these credentials is essentially proving that a person is who they say they are: proof of identity, proof of address, proof of qualifications, etc. In most cases, this is done through physical documents that must then be viewed, examined and even “felt” to confirm their good faith, that is, that it is indeed the genuine article.

By using digital identifiers, companies would have the certainty that all the data exchanged between the cardholder and the auditor would pass securely from one to the other, without an intermediary, and would be protected against any form of piracy or falsification using the better encryption technologies. available. In other words, privacy would be preserved in its entirety.. Furthermore, a McKinsey Global Institute study estimates that solving the identity problem could add between 3% and 13% to a country’s GDP by 2030. Therefore, the economic benefits should not be ignored and kept at the forefront of the digital economy is essential. . In addition, other key areas would benefit from it, such as the healthcare sector, where proof of identity, blood type or even allergies can increasingly be recorded digitally in the context of records, such as Shared Medical (DMP ) for instance. In this sense, France has also announced, through a decree published in the Official Gazette on August 1, the extension of its experiment with the dematerialized Vitale card to new regions of the country.

Financial services: first beneficiaries of electronic identification

Currently, the field of financial services seems to be the most conducive to the exchange of digital credentials, due to the large number of projects under development at European level to facilitate their transfer. One of the large-scale programs in Ireland, called “The Emerald Project”, for example, aims to integrate digital identifiers into important daily user interactions. Thanks to this initiative, interactions with financial and insurance organizations, and even real estate, could be carried out in seconds using previously verified digital information., from a virtual wallet authenticated on the user’s phone. At the same time, the European Commission adopted an eIDAS regulation, to make electronic identification secure and interoperable, trust services (creation, verification and validation of electronic signatures, electronic stamps, etc.) and the exchange of electronic documents in all countries. EU countries. The European digital identity will be accessible to EU citizens, residents and companies who wish to identify themselves or confirm certain personal information.

However, around 1.1 billion people in the world do not have proof of identity, and 45% of people without identity are among the poorest 20% of the planet. Cumbersome identification procedures, fees, lack of access and simple ignorance of personal identity are the main obstacles that keep more than a billion people out of traditional identification systems. It is essential to have an identity to access the existing financial system. In contrast, 60% of the 2.7 billion people without a bank already have a mobile phone, paving the way for mobile identity solutions. based on blockchain that better meets the needs of vulnerable citizens.

Blockchains: an accessible and efficient solution to protect digital identities

The blockchain, which makes the exchange of information tamper-proof and verifiable, plays an essential role in the security of digital credentials. It is a series of immutable data with a time stamp, managed by a group of computers and that does not belong to any entity. Each of these data blocks is secure and is linked to the others by cryptographic principles. This ready-to-use framework makes it easy to create and manage identities, while protecting them. In Europe, multiple projects are already being carried out that link blockchains with digital identity. Blockchain Ireland, a combined effort of the Irish government and the Irish tech ecosystem – Irish-based companies, Irish research centers and universities, for example, are considering integrating blockchain into users’ daily lives. This approach allows them to better control and dominate their own data, when creating a Google account or a Facebook account, among others. A similar project, under the name Blockchain France, is also underway in France. Led by industry experts, it guides companies in their implementation of blockchain technologies.

European cybersecurity centers: a solution in the fight against the theft of digital identifiers

As the digital environment for businesses, institutions and governments continues to grow in size and complexity, digital identity has become a major security concern. Especially in the face of recurrence of identity theft, data theft and other malicious attacks perpetrated. Since this threat does not go away and cybercriminals are more active and opportunistic than ever, establishing cybersecurity hubs and strong authentication strategies is essential to help organizations protect themselves.

To protect the digital identity of users at the national level, these poles are multiplying throughout Europe. The France Cybersecurity label, for example, is governed by a tripartite structure made up of user representatives, industry representatives and competent state services that seeks to increase the level of protection for people online. At the same time, the cybersecurity network Cyber ​​Ireland, which together with France is considered an important investment and innovation center in Europe, has refocused its strategy on fighting cyber threats, supported by local government agencies and high-level industry representatives. level. as well as university institutes and research centers.

As more processes and activities move online, protecting users’ digital identities is more important than ever, as is knowing that a business has a robust verification integration process. To meet this need and integrate digital identity into the daily lives of users – individuals and professionals – many projects are being developed in Europe. These projects, such as those related to blockchain or cybersecurity infrastructures oriented to the digital storage of identities, will make it possible to protect and verify personal information, while making it easier for users to access and share them. Ultimately, these initiatives will contribute to the protection of data and identities, and will promote the more peaceful transition of companies that are still in transition towards a digital economy.

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