Consult Hyperion Data & Privacy Policies 

Digital Identity, 3DID: A model for Digital Identity

Digital identity is an area of strategic importance to many organisations. More people than ever are connected through multiple devices to the Internet. Higher value services, such as banking and healthcare, are being delivered digitally.

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Data proliferation and using data to drive payments innovation 

Report from the EPA’s project futures workshop. The purpose of the project futures is to provide members of the Emerging Payments Association with insight and thought leadership on: new innovations and technological developments, emerging market trends, and the prospective future regulatory landscape in payments.

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Making sense of digital identity 

Steve Pannifer, COO,Consult Hyperion: “Digital identity needs to be focused on providing the customer with the ability to move seamlessly (and securely) from one digital service to another”

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Unaware, unprepared and paralysed: Retailer readiness for PSD2

The impending shift to “open banking” through the implementation of the Second Payment Services Directive (PSD2) in Europe and, even sooner, the implementation of the Competition and Markets Authority (CMA) “remedies” in the UK, means radical change and not just in banking. For the whole retail sector, this revolution presents a wonderful opportunity to both reduce the costs of doing business and to deliver new and better services to customers.
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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.
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Whitepaper: AMLD4/AMLD5 – Know Your Compliance Costs

The overhaul of the anti-money laundering legislation, in the fourth and fifth EU Anti-Money Laundering directives (referred to hereafter as 4AMLD and 5AMLD), will significantly increase the frequency with which financial institutions will need to conduct ‘Know Your Customer’ (KYC) checks.
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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.
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.
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.
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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.
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.
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Blockchains, Distributed Ledgers and Funds Transfer: 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.
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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.
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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).
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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.
Read the full discussion paper here

White Paper: Securing Retail Payments

This simple example shows that retail payments have been an area targeted by fraudsters since the dawn of trade, and the regular introduction of new measures to secure payments has always been, and will continue to be, required to ensure that the market economy can keep on functioning.
Read the full whit paper here

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