Consult Hyperion Data & Privacy Policies 

Reports & Whitepapers

Whitepaper: The Economic Impact of Digital Identity in Canada
 
Digital identity is critical to the development of the Canadian digital economy. It is a key tool in making digital services safe, secure, efficient and accessible. Without it, many of the issues Canadians encounter will be magnified by the rapid increase in high-connected digital services. Trusted digital identity will enable the right people to access the right services efficiently and securely. This paper explores these issues and solutions needed to establish wide-scale trusted digital identity systems in Canada. Read the full whitepaper here

Whitepaper: Cut high KYC costs and reduce fraud risk: A blockchain-based solution
 

The current costs of know your customer (KYC) are exorbitant. It has been estimated that an average bank will spend $60 million annually on KYC and related due diligence activities. One reason for such high costs is duplication of the same KYC checks across – and sometimes within – financial institutions. We believe there is a significant opportunity for the whole industry to reduce these costs while improving the onboarding process and creating other benefits such as signaling compromised identities. Read the full whitepaper here

 
Discussion paper: HCE and Tokenisation for Payment Services discussion paper

In July 2014, to help understand the opportunities and challenges between SIM secure element (SE) and host card emulation (HCE) services, the GSMA commissioned Consult Hyperion to produce a guide, HCE and SIM Secure Element: It’s not Black and White, comparing the approaches. Following its publication, readers have asked for more information regarding the use of HCE. This paper aims to provide deeper analysis for banks and mobile network operators investigating the use of HCE and tokenisation within a mobile payment service. Read the full discussion paper here

 
A view from Consult Hyperion: The Future of Payments

Are you reading this on a screen? In 2015, the odds are high that the answer is ‘yes’. With PCs, tablets, smartphones and wearables becoming increasingly ubiquitous, technology is touching every area of our lives. Naturally the advent of this digital age has also revolutionised the way we pay and the way we manage our finances. Yet, amazingly you don’t need to look too far back to a time when there were no debit cards or cash machines let alone internet shopping or banking, and the only way of paying a regular bill would have been manually with a cheque or cash. Read the full report here

 
Fraud Risk Management for Mobile Money: An Overview

Mobile money (MM) is a new sector that has yet to gain the standards and best practices common to more established financial services. It is therefore subject to significant risk, especially fraud risk. As a truly disruptive technology, MM operates somewhat differently from conventional financial services. In many markets the companies acting as mobile money operators (MMOs)
are not banks or other financial institutions. In some countries MM falls outside central bank governance, and in others is subject to new and hastily constructed regulations. Read the full overview here

 
Blockchains, Distributed Ledgers and Funds Transfer: An Overview

In the past decade, the financial services industry has developed significantly across the emerging markets. Since the introduction of mobile money schemes such as M-PESA, we have seen a steady stream of change towards more inclusive financial markets. Research1 carried out by CGAP shows that outcomes of financial inclusion are directly linked with higher economic growth and better wellbeing. Nevertheless, many financial instruments and services remain unaffordable and inaccessible for major parts of the population in emerging economies. Read the full overview here

 
Biometrics in Digital Financial Services: An Overview

This paper presents the results of a focussed, independent analysis of biometric technologies, and considers their application and acceptance for retail payments and conventional financial services for people in emerging economies. In particular, we consider the application of biometrics technologies for population-scale deployments in the retail financial services sector. Read the full overview here

 
Digital Identity: Issue Analysis Report

Digital identity is widely recognised as being of strategic importance to the future of digital services. It has the potential to enable inclusive access to services that can be delivered in
personalised and convenient ways. Read the full report here

 
Digital Identity: Issue Analysis Executive Summary

Digital identity is emerging as a cross–cutting issue for many organisations including Omidyar Network (ON). For example, the growing recognition of the importance of identity for socio–economic development has resulted in identity becoming a key component of the United Nation’s Sustainable Development Goals (SDGs). Read the full report here

 
Discussion paper: HCE and SIM Secure Element

The recent inclusion of Host Card Emulation (HCE) into Android 4.4 KitKat opens up the possibility of performing mobile NFC payments without using a SIM Secure Element (SIM SE). HCE may potentially remove a lot of the complexity associated with SIM SE-based NFC payments and reduce the need for mobile network operator (MNO) involvement. This is, however, only part of the story.Read the full discussion paper here

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