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Let's talk about digital identity with Michelle Beyo, CEO and Founder of FINAVATOR. In episode 91, Oscar is joined by Michelle Beyo, CEO and Founder of FINAVATOR. They discuss how Opening Banking and Open Finance is facilitating the future of finance and the role digital identity has within this. Join Michelle and Oscar as they explore what open banking and open finance are, benefits and potential privacy issues. Alongside sharing success stories from around the world and what we can except to see in the future. [Transcript below] "Open finance layered in with a digital identity can truly help us plan better, execute, have better offerings, save money, and be able to plan better for our future." Michelle Beyo is the CEO & founder of FINAVATOR, an award-winning Payments and Future of Finance Consultancy. She is also a strategic advisor to FinTechs, a Money 20/20 Rise Up alumni, a Global Council Member of Women in Payments, the Membership Chair at Canadian Prepaid Providers Organization, a Payment Advisor at National Crowdfunding and FinTech Association of Canada, and a Board Member at Open Banking Initiative Canada. Michelle started FINAVATOR as she is passionate about payments and financial inclusion. She has 20 years of extensive industry experience driving innovation across the retail and payments industry. Michelle Beyo was named the “Top 30 Best CEOs of 2021” by The Silicon Valley Review and FINAVATOR was awarded "Most Influential Leader in FinTech Consulting - Canada" in 2020. Find out more about FINAVATOR at www.finavator.com or Michelle Beyo at www.michellebeyo.com. Connect with Michelle and FINAVATOR on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining a new episode of Let’s Talk About Digital Identity. And today, we’ll hear some new ideas about open finance, open banking and definitely a bit more. For that, we have our special guest today who is Michelle Beyo. She is the CEO and Founder of FINAVATOR, an award-winning payments and future of finance consultancy. She's also a strategic adviser to FinTech’s, a Money 20/20 Rise Up alumni, a Global Council Member of Women in Payments, the Membership Chair at Canadian Prepaid Providers Organisation, a Payment Advisor at the National Crowdfunding and FinTech Association of Canada and a Board Member at Open Banking Initiative Canada. Michelle started for FINAVATOR as she is passionate about payments and financial inclusion. She has 20 years of extensive industry experience, driving innovation across the retail and payments industry. Hello, Michelle. Michelle Beyo: Hi, Oscar. How are you? Oscar: Very good. I’m really happy to have you here in the show. Michelle: Happy to be here as well. Oscar: Excellent. So, Michelle, let's talk about digital identity. I want to start hearing a bit about yourself and your journey to the world of identity. Michelle: Yeah, I'm happy to share a little bit. I actually spent 20 years in the corporate space. Six years in telco and eight years in online shopping affiliate marketing. Ran Alaska, Lufthansa, Delta, United online shopping mall platforms. I really got to understand the relationship between customer and loyalty infrastructure. And then I moved into the payment space. Working for the largest prepaid company globally, called InComm, out of their international office for 30 countries. And was running sales and marketing, launched their B2B division, got to see what was happening in innovation across these 30 other countries, including Singapore, Australia, UK. Helped launch WeChat in North America at 711 through the Gift Card rail, QR payment system. And truly realised - a little fearful that my ki...

Let's talk about digital identity with Magnus Kardell, Product Owner for SignPort, Knowit. In episode 90, Oscar is joined by Magnus Kardell, Product Owner for SignPort at Knowit, to explore digital signatures in Sweden – including the main challenges that public and private organisations face when looking for a digital signature solution, how to solve these challenges and what regulations signatures solutions need to comply with in Sweden. [Transcript below] "It's demand for high availability, and demand for high level automation. That means you need to be able to validate the document electronically to the person who has signed it." Magnus Kardell is the Product Owner for SignPort, an IP product developed by Knowit enabling high-security e-identification and e-signatures. He is a specialist in identification and signing services, with a focus on IAM, and SSO federations. Magnus started his career in this field in 2013 and has since gained extensive experience in the public sector, catering to clients with high-security standards and needs. With a strong background in the industry, Magnus is dedicated to delivering innovative and secure solutions to his clients through SignPort. To continue the conversation or to find out more, visit SignPort - signature service, reach out to Magnus via email or connect with him on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining us. As the years have been passing, I have noticed actually that, digital signatures are becoming more and more common. At a time when we need to sign some agreements, electronically or Internet services. So, let’s take some time today and hear what is going on, what the trends are, in the European Union, but particularly, in Sweden, where today’s guest is coming from. So, our guest today is Magnus Kardell. He is the product owner of SignPort, a product developed by Knowit, enabling high security, e-identification and e-signatures. He is a specialist in identification and signing services, with a focus on IAM and SSO Federations. Magnus started his career in this field in 2013 and has since then gained extensive experience in the public sector, catering to clients with high security standards and needs. With a strong background in the industry, Magnus is dedicated to delivering innovative and secure solutions to his clients through SignPort. Hello, Magnus. Magnus Kardell: Yes, hello. Hello, Oscar. Oscar: Welcome. It’s great having you. We are going to talk about signatures. But let’s get started. Let’s talk about digital identity. First of all, we want to hear about our guest, so we want to hear about you. Tell us a bit about your journey to this world of identity. Magnus: Thank you. Yeah, Magnus Kardell is my name, and I work at Knowit Secure Solutions, as Oscar mentioned, and I’m product owner for SignPort, which is an identification and signing service. I started roughly 10 years ago with IT security and at the time we were having, and working with, identity and access management. Providing single sign on and federations between different organisations, and soon after that, we were adding also signature services. In Sweden, there is a technical framework provided by the Swedish agency, DIGG, the agency for digital government. We have always complied to that standard, and that’s where we built our services. It’s mainly targeting public sector, but it’s also good for private sector. And I think in 2016, we made the first signatures, doing it this way and according to this standard. So, we were first with that one. And I’ve been a project manager for establishing about 40 customers in Sweden, in different configurations,

Let's talk about digital identity with Oscar Santolalla, Ann Cavoukian and Katryna Dow. In this latest episode within the Identity Story Series, Ann Cavoukian, creator of Privacy by Design and Katryna Dow, CEO at Meeco, join Oscar to explore the road to becoming ISO 31700 for Privacy by Design. They discuss the importance of Privacy by Design and how it can help organisations protect their customers' personal data and comply with data protection regulations and the impact of Privacy by Design becoming an ISO Standard. [Transcript below] “If you don't have a strong foundation of security from end to end with full lifecycle protection, you're not going to have any privacy.” ~ Ann Cavoukian Dr Ann Cavoukian is recognised as one of the world’s leading privacy experts. Dr Cavoukian served an unprecedented three terms as the Information & Privacy Commissioner of Ontario, Canada. There she created Privacy by Design, a framework that seeks to proactively embed privacy into the design specifications of information technologies, networked infrastructure and business practices, thereby achieving the strongest protection possible. In 2010, International Privacy Regulators unanimously passed a Resolution recognising Privacy by Design as an International Standard. Since then, PbD has been translated into 40 languages! In 2018, PbD was included in a sweeping new law in the EU: the General Data Protection Regulation. Dr Cavoukian is now the Executive Director of the Global Privacy & Security by Design Centre. She is also a Senior Fellow of the Ted Rogers Leadership Centre at Ryerson University, and a Faculty Fellow of the Centre for Law, Science & Innovation at the Sandra Day O’Connor College of Law at Arizona State University. Listen to Episode 73, where Ann joined the podcast to discuss Privacy by Design, and connect with Ann on LinkedIn. “One of the really challenging things about privacy and security is if you don't bake it in at the lower layers, if you don't build that foundation, it's really hard to go back and put it into a product or service afterwards.” ~ Katryna Dow Katryna Dow is the founder and CEO of Meeco; a personal data & distributed ledger platform that enables people to securely exchange data via the API-of-Me with the people and organisations they trust. Katryna has been pioneering personal data rights since 2002, when she envisioned a time when personal sovereignty, identity and contextual privacy would be as important as being connected. Now within the context of GDPR and Open Banking, distributed ledger, cloud, AI and IoT have converged to make Meeco both possible and necessary. Find out more about Meeco at meeco.me. For the past three years, Katryna has been named as one of the Top 100 Identity Influencers. She is the co-author of the blockchain identity paper ‘Immutable Me’ and co-author/co-architect of Meeco’s distributed ledger solution and technical White Paper on Zero Knowledge Proofs for Access, Control, Delegation and Consent of Identity and Personal Data. Katryna speaks globally on digital rights, privacy and data innovation. Listen to Episode 30, where Katryna joined the podcast to discuss Data minimisation, and connect with Katryna on LinkedIn. Go to our YouTube to watch the video transcript for episode 89. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Today we’re happy to bring you a new episode of our Identity Stories Series. Privacy by Design has just become an ISO standard, which we want to celebrate, so let’s go back in time and hear moments of this journey. Let’s first hear from Privacy by Design’s creator herself, Dr Ann Cavoukian. She is recognised as one of the world’s leading privacy experts and she served an unprecedented three terms as the Information & ...

Let's talk about digital identity with Adrian Field, Director of Market Development at OneID. In episode 88, Adrian Field, Director of Market Development at OneID, joins Oscar to explore verifying digital identities with online banking, the importance of online banking-based identity verification alongside it’s benefits for businesses and individuals. Join as they delve into the cross-border challenges that arise from individual country verified identities and how LEIs and UK Trust framework are supporting verified digital identities. [Transcript below] "LEIs have been born out of the financial sector, through regulation. But we do see business use, in all sectors, is useful to be able to enable less fraud within a country, or better and smoother cross-border use cases for companies." Adrian Field is Adrian Field, Director of Market Development at OneID. He leads OneID’s market development, working with banks, industry groups, Government and regulators to enable the UK market for ID services to grow and succeed. Adrian is also engaged with the OpenID Foundation developing global open standards for identity, and global projects to connect identity schemes cross-border. Connect with Adrian on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello, and thanks for joining to a new episode of Let’s Talk About Digital Identity. And today we'll discuss a new perspective on verified digital identities. And for that, we have a special guest who is Adrian Field. He leads OneID’s market development, working with banks, industry groups, governments and regulators to enable the UK market for identity services to grow and succeed. He's also engaged with OpenID Foundation developing global open standards for identity and global projects to connect identity schemes, cross-border. Hello, Adrian. Adrian Field: Morning. Hi, thank you for inviting me. Oscar: It's a pleasure having you. Thank you. Let's talk about digital identity but first, I'd like to hear a bit more about yourself. So, tell us, what was your journey into this world of identity? Adrian: Yeah. So, my background is banking and payments originally, so I spent a long time with one of the card schemes, doing all sorts of things, but learned about the concepts of authentication and authorisation through that process. And then spent a few years at one of the UK’s large banks looking at lots of different innovation topics, but digital identity was one of those. And then I used my authentication knowledge to build on that to investigate more and more about, you know, what is identity? How do you prove that it's the right person, in a journey, at the right time? Oscar: And to start this conversation with common understanding, for ones who have not heard or is not completely clear. What is the concept of verified digital identity? So, what are we talking about when you use this term and why is it important? Adrian: I normally explain this by going back to the question of, “what is identity?” without the digital part. And for us at OneID this is your, it's the legal concept of your personhood. So, you are a person which is either a natural person, which is a human, or a kind of legal person, which is an organisation. And if you're a person in UK law, that gives you certain rights, so you can own things, I can sign documents, I can own property. I have certain rights that non-persons, i.e., objects and things don't have those rights. So, you get your legal identity by – as a person you’re entered into a birth register, or if you're an organisation, you get entered into a company's register or charities register as a legal organisation. And that's how you get the identity part.

Let's talk about digital identity with Henk Marsman, Public Speaker, and Principal Consultant at SonicBee. In episode 87, Oscar is joined by Henk Marsman, specialist and public speaker around ethics of digital identity and Principal Consultant of Identity and Access Management at SonicBee. Henk and Oscar explore why local municipalities may need their own digital identity schemes – including how these local schemes differ from national schemes and how they help people missed by national schemes, alongside some examples of live local identity schemes. They also discuss some disadvantages of local identity schemes and how they could be incorporated into wallet-based identification, like eIDAS 2.0. [Transcript below] "Put the human at the centre, what the individual’s needs, what the individuals want to achieve … and that is basically the ethical perspective, or the value perspective on digital identity solutions that we have in the world today." Henk Marsman combines deep knowledge on digital identity with an ethical view on the impact on individuals and society of digitalisation of identity. His research on the ‘ethics of digital identity’ is still ongoing. Henk is involved in initiatives related to national digital identity (including eIDAS2.0), municipal digital identity and specifically for undocumented persons. Next to that he’s supporting organisations through his work at SonicBee, a Dutch IAM boutique firm, in digital identity projects. He has worked for 5 years at a top-three Dutch bank (Rabobank) as the global service owner for the Identity and Access Management services, and prior to that was senior manager with Deloitte, leading the Dutch IAM practice. Connect with Henk on LinkedIn. Find his personal blog at ThroughIdentity and other blogs and articles at SonicBee. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Learn about the commercial and technical aspects of Customer Identity & Access Management, at IAM Academy, Ubisecure’s partner training program. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining us to this episode of Let’s Talk about Digital identity. And something that we have not talked before is, digital identities in local governments. For that very interesting topic, we have a special guest who is, Henk Marsman. He combines deep knowledge on digital identity with an ethical view on the impact of digitalisation of identity, on individuals and society. His research on the ethics of digital identity is still ongoing. Henk is involved in initiatives related to national digital identity, including eIDAS 2.0, municipal digital identity, and specifically for undocumented persons. Next to that, he is supporting organisations through his work at SonicBee, a Dutch IAM boutique firm in digital identity projects. He has worked for five years at a top three Dutch bank, Rabobank, as a global service owner for the Identity and Access Management Services. And prior to that, he was senior manager with Deloitte, leading the Dutch IAM practice. Hello Henk. Henk Marsman: Good morning, Oscar. Nice to be here. Oscar: It's great having you, Henk. So, Henk, let's talk about identity. But very first, I want to hear a bit about yourself and especially your journey to the world of digital identity. Henk: Yes, that's a good start Oscar, thank you for that. I've had several occasions looking back at how I ended up in this world, because there no formal training for becoming an Identity and Access Management expert. For me, it started actually when I was doing a half year of exchange study in Finland. Where a professor, in Turku, with a lot of abbreviations on a slide, and we were supposed to pick one and write an essay on it. And I chose the TTP one,

Let's talk about digital identity with John Jellema, VP of Product Management at Ubisecure. This is a special, bonus episode on Hybrid IAM, in the lead up to the Gartner Identity and Access Management Summit 2023. Oscar is joined by John Jellema, VP of Product Management at Ubisecure to explore the hot topic of Hybrid IAM including what is meant by hybrid IAM, why and when to consider hybrid IAM, benefits and drawbacks and considerations for orchestration between different clouds. [Transcript below] "Where I think identity access management is going, growing, and continuing is around the areas of security." For more from John take a look at his blogs or contact the team. Find more information and resources on our Hybrid IAM page. Join us at the Gartner Identity and Access Management Summit, on the 6-7th March in London. Find the booth and session details or book a demo with the Ubisecure team. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: In the lead up to Gardner Identity and Access Management Summit 2023 in London. The Let's talk about digital identity team have released this special episode to discuss Hybrid IAM. A trending topic in the identity management industry, IAM stakeholders are increasingly interested in understanding what Hybrid IAM really means, how we can solve modern ID challenges, and how to evaluate whether Hybrid IAM is a suitable business choice for their current identity projects. For today's episode and to help answer those questions, I am joined by John Jellema, Vice President of Product Management at Ubisecure. Hello, John. John Jellema: Hi Oscar. Thanks for having me on the podcast. Oscar: Very welcome. So, John, let's talk about digital identity and as usual we want to hear a bit more about our guest. So please tell us about yourself and your journey to this world of identity. John: Sure, absolutely. I started in a very old Internet company back in the United States in 1997. Moved over to Amsterdam, where I became a product owner on several security services for Verizon, the global telco. The last of which was operating an anti DDOS platform, so to ensure availability of circuits all over the globe through some of the largest DDOS attacks. Ran that platform for about 15 years and then I came over here to Ubisecure about five years ago. I'm intensely interested in the personal access, the capabilities and the dynamic future of identity management. As we move from employee identity management into true global functioning personal identity management. That's why I'm here at Ubisecure. Oscar: Excellent. So, John, to get started with talking about Hybrid IAM. What do we mean when we talk about Hybrid IAM? John: It's a good question. It's confusing a lot of times. There's a lot of material out there if you search for the term hybrid IAM, what different folks are referring to or meaning. In practical terms, it's using two dissimilar services or two dissimilar location areas to have a service deployed at the same time. So, a lot of organisations - I mean we're 20 - 25 years into this thing called ‘the internet’ with user accounts, and there are lots of legacy systems. That's a term that is widely used for employee identity and access management, or your log on service that you do, or your access when you sign into your laptop or an internal machine. It's functionally - a legacy IAM is functionally, a server or a private cloud, at this point in time that a corporation or an organisation runs for themselves and hybrid IAM is linking that legacy service with a cloud-based service. So, something that is on a public cloud like Azure from Microsoft or AWS, Amazon Web Services,

Let's talk about digital identity with Petri Heinälä, Security Offering Architect at Fujitsu. In episode 85, Oscar is joined by Petri Heinälä who’s aim is 'bringing digital identities closer to businesses and real life'. In this episode Oscar and Petri explore the importance of organisations understanding and embracing digital identities and identity solutions, including what needs to be considered when investing in identity solutions, how a lack of understanding can put the project and company at risk, as well as discussing how to get businesspeople more interested in identity. [Transcript below] "Because people are part of the business, so are identities." Petri Heinälä works in global Fujitsu as Security Offering Architect and his area of specialisation is Digital Identities. His aim is to bring Digital Identities closer to real life and businesses with common sense thinking and talking less technology language. He noticed throughout his long career that the only permanent thing is change and understanding that has helped Petri keep up with the development and changes of life, business and technology. Connect with Petri on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Come and meet the Ubisecure team at the Gartner Identity and Access Management Summit, in London, on the 6th and 7th of March. To find out more, take a look at the Ubisecure events page - https://www.ubisecure.com/events/. Oscar Santolalla: As our slogan says, the podcast Connecting Identity and Business. We know very well the importance of putting ourselves in business people’s own shoes when we discuss both the challenges and solutions in this identity world. So, today's discussion is going on deep dive about that. And we have a very special guest who is Petri Heinälä. He's working in Global Fujitsu, a security offering architect, and his area of specialisation is data identities. He's trying to bring other identities closer to real life and businesses with common sense thinking and talking less technology language. Petri has noticed in his long career that the only permanent thing is change and understanding that has helped him to keep up with development and changes of life, business and technology. Hello, Petri. Petri Heinälä: Hello. Oscar: Great having you here. So, let's talk about digital identity. Let's start hearing about yourself - about yourself and what was your journey to this world of digital identity? Petri: Yes, I've been quite a long time in the IT industry, over 25 years in Fujitsu and I have helped multiple other industries with technology solutions during that time. And I started as a software developer and architect and then step by step, moved to service and offering development. And also, during that time moved from the local level to the regional and now global level. The meaning of security and identities has raised dramatically during that time. And in early days in my career I, when I developed banking ATM software, I learnt that the user experience is everything and there is a strong relation in security and user experience and users, and their digital identities have a centric role there. So, step by step, identities had a bigger a role in my work and I have learnt more and trying to share my learnings to others now. Oscar: Yeah, excellent. So, starting from developer, so a very technical role of course. And now we are going to discuss about business, the business side of this world of identity. So, I imagine a big shift through, through the to these years. Petri: Yes, yes, yes. Very big shift. And when I talk about learning – so, there have been the failures also, more than the successes. Oscar: Oh, yeah, I'm sure. Definitely.

Let's talk about digital identity with Jenny Radcliffe, The People Hacker. In episode 84, ethical burglar for hire, Jenny Radcliffe, joins Oscar to discuss the importance of educating your staff to help protect your company against social engineering attacks - including the main vulnerabilities that social engineers exploit, how individuals and businesses can protect themselves online and how user authentication technologies can help, as well as how ransomware links to social engineering. [Transcript below] "Two factor or multi-factor, in any form, is always going to be a good thing. It's better than, like you say, one thing, which can be found out or hacked like a password." Jenny Radcliffe is a world-renowned Social Engineer, hired to bypass security systems through a mixture of psychology, con-artistry, cunning and guile.  A "burglar" for hire and entertaining educator, she has spent a lifetime talking her way into secure locations, protecting clients from scammers, and leading simulated criminal attacks on organisations of all sizes in order to help secure money, data and information from malicious attacks. Jenny has received many industry awards and was most recently inducted into the prestigious InfoSec Hall of Fame in 2022.  She has also been named as one of the top 30 female cyber security leaders in 2022 by SC Magazine, one of the top 25 Women in Cyber by IT Security Guru, and as a Top 50 Women of Influence in Cyber in 2019.  She was nominated in seven categories for the 2021 Security Serious Awards in 2021 including the prestigious “Godmother of Security” award in 2020 winning the “Most Educational Security Blog" for her show The Human Factor podcast interviewing industry leaders, bloggers, experts, fellow social engineers and con artists about all elements of security and preventing people from becoming victims of malicious social engineering. Jenny is a sought-after global keynote speaker at major conferences and corporate events and is a multiple TEDx contributor. A go-to guest expert on the human element of security, scams, cons and hacks, she has appeared on numerous television and radio shows, as well as online media and traditional press outlets, and helps create unique content for international brands and organisations. An experienced podcast host, panel chair and interviewer she hosted the live weekly cyber talkshow "Teiss Talk" for two years and is frequently asked to chair live events for clients both virtually and in-person. Jenny's upcoming book People Hacker - Confessions of a Burglar for Hire will be released in February 2023, published by Simon and Schuster. Connect with Jenny on LinkedIn or Twitter. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode. Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Come and meet the Ubisecure team at the Gartner Identity and Access Management Summit, in London, on the 6th and 7th of March. To find out more, take a look at the Ubisecure events page - https://www.ubisecure.com/events/. Oscar Santolalla: Hello and thank you for joining a new episode of Let’s Talk about digital identity, particularly for us, myself, working on companies that are building technology products to protect, secure people on Internet. It's always surprising when we hear stories, when there are people, they just get tricked by other humans and voila, the result is - the company is hacked. Today we’ll hear fascinating stories about social engineering, and for that we have, special guest Jenny Radcliffe. She's a world-renowned social engineer who is hired to bypass security systems through a mixture of psychology, con artistry, cunning and guile. Jenny has received many industry awards and was most recently inducted into the prestigious InfoSec Hall of Fame 2022.

Let's talk about digital identity with Dr Mark van Rijmenam, Founder and Future Tech Strategist at The Digital Futures Institute. Dr Mark van Rijmenam joins Oscar to discuss the importance of Self-Sovereign Identity in the Open Metaverse - including his definition of metaverse, derived from his interviews with entrepreneurs for his latest book, the motivations for entrepreneurs to be building assets in the metaverse, the role of identity and its importance in the open metaverse. [Transcript below] "I think it's crucial that we own and control our own data, that we control our own digital assets, and that we control our own identity and reputation." Dr Mark van Rijmenam is The Digital Speaker. He is a leading strategic futurist who thinks about how emerging technologies change organizations, society and the metaverse. He is the founder of the Digital Futures Institute, with a mission to ensure a thriving digital future for business and society. Van Rijmenam is an international keynote speaker, and 5x author. His latest book is Future Visions, which was written in five days in collaboration with AI. Find his articles and books at The Digital Speaker. Connect with Mark on LinkedIn or Twitter. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Come and meet the Ubisecure team at the Gartner Identity and Access Management Summit, in London, on the 6th and 7th of March. To find out more, take a look at the Ubisecure events page, www.ubisecure.com/events/. Oscar Santolalla: Hello and thank you for joining us to this first episode of Let's Talk About Digital Identity in this New Year, 2023. And we want to start hearing very futuristic things about a future, very futuristic. We have a really amazing guest to start this year. Let me introduce you, Dr Mark van Rijmenam. He is the digital speaker, he is a leading strategic futurist who thinks about how emerging technologies change organisations, society and the metaverse. He is the founder of the Digital Futures Institute with a mission to ensure a thriving digital future for businesses and society. Van Rijmenam is an international keynote speaker. He is five times author, and his latest book is Future Visions, which was written in five days in collaboration with artificial intelligence. I definitely want to hear more about that. Hey, Mark, welcome. Dr Mark van Rijmenam: Thank you very much Oscar for having me on the show. It's great to be here. Oscar: Yes, definitely our pleasure. Well, happy New Year. Mark: Happy New Year to you, too. Oscar: Yes, we are still in the beginning of 2023. Please tell us about yourself and how - what was your journey to this world of identity, metaverse and everything that you are doing today. Mark: I'm sure it sounds good. Well, obviously you already gave a very nice introduction, but I'll add some things to it. So, I've been a keynote speaker for over a decade. I am a strategic futurist, so it means I really think about emerging technologies, and I try to understand what these technologies, these emerging cutting-edge technologies mean for you and me, for organisations, for society, and how we can benefit from them. Because these technologies are constantly evolving. So, I've been doing this for over a decade. I've been speaking all around the world about that. I've been, as you said, five books. And I really try to always practise what I preach. And so that means that I - when the pandemic hit, I created myself an avatar, created myself as a hologram to deliver keynotes as such. I'm currently working on building a digital twin of myself to understand - what are the consequences of creating a digital twin of yourself? A synthetic human, so to say.

Let's talk about digital identity with Chris Southworth, Secretary General at the ICC United Kingdom and Oswald Kuyler, Global Head of Strategy at MonetaGo. Join Oscar as he explores the Electronic Trade Documents Bill with Chris Southworth and Oswald Kuyler – including what the electronic trade documents bill is, its aims, benefits and how this is expected to be adopted globally to improve trade processes. [Transcript below] "The reality is that if you don't solve identity, a lot of the inefficiencies generally won't go away." Chris Southworth is Secretary General at the ICC United Kingdom. Prior to joining ICC he was Executive Director for Global Partnerships, at the British Chambers of Commerce (BCC), Head of the International Chambers of Commerce Unit at UK Trade and Investment (UKTI) and a Senior Policy Advisor to Lord Heseltine for his independent review of UK competitiveness. In 2011 he helped set up the mid-size business export programme at UKTI and was a Senior Policy Advisor for the 2011 Government Review of Mid-Size Businesses. Former roles have encompassed deregulatory policy at Better Regulation Executive, social enterprise policy at the Department for Business and stints in a local strategic partnership and the charity sector. Connect with Chris on LinkedIn. Oswald Kuyler is currently the Global Head of Strategy for MonetaGo, a fintech focused on global fraud prevention. Oswald is also a Digital standards advisor to the international chamber of commerce UK and is also the former Managing Director of the DSI. Oswald is the former Global Head of Data Strategy of BHP, the world's largest diversified mining company. He has worked on initiatives covering blockchain, electronic documentation in trade, data and analytics, and automation. Connect with Oswald on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello, and thank you for joining this new episode. We often talk about digital transformation in this podcast. Actually one aspect that still needs to become more digital is commercial trade documents, in which there's still a lot of paper. Today, our guests will tell us more about a game changing piece of legislation. So let's welcome our guests, we have two guests today. First of all, Chris Southworth, he is Secretary General at the International Chamber of Commerce, ICC, in the United Kingdom. Prior to joining ICC he was Executive Director for Global Partnerships at the British Chambers of Commerce, BCC, Head of the International Chamber of Commerce unit at the UK Trade and Investment, UKTI, and a Senior Policy Advisor to Lord Heseltine for his independent review of UK Competitiveness. Hello, Chris. Chris Southworth: Good morning. Oscar: Good morning. And our second guest is Oswald Kuyler. He's currently the Global Head of Strategy for MonetaGo, a FinTech focused on global fraud prevention. Oswald is also a Digital Standards Adviser to the International Chamber of Commerce, UK. And he's also the former Management Director of the ICC Digital Standards Initiative, DSI. He has worked on initiatives covering blockchain, electronic documentation in trade, data and analytics, and automation. Hello, Oswald. Oswald Kuyler: Hi, how are you? Oscar: Very good, happy to have you both in this conversation. Oswald: Thank you for the invite. I really appreciate it. Oscar: My pleasure. So, Chris and Oswald, let's talk about digital identity. I would like to hear first from you, from both of you, tell us about yourself and your journey to this world of identity. Chris: Sure, I mean, I should say that in the class of this conversation, I'm the co-chair of the Legal Reform Advisory Board and part of the leadershi...

Let's Talk About Digital Identity with Oscar Santolalla and Clare Rowley, Head of Business Operations at GLEIF. Episode 81 is an identity stories special, where Oscar and Clare discuss the history of identities for businesses and how and why the LEI was created and introduced – including how the LEI has been adopted globally, the challenges is has helped to solve and what the future of LEI might be. "We see there an emerging dialogue and focus coming from the trade, the supply chain community on the importance of LEI for trade participants." [Transcript below] Connect with Oscar and Clare on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! To find out more about LEIs go to the RapidLEI Knowledge Base or contact the RapidLEI team. Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: More than 2000 years ago in Persia, Egypt, ancient China and their contemporary civilisations, the first versions of what we now know as the passport were used to travel from one region to another. As the world became more populated and connected through roads and by the sea, passports became a vital piece of paper for people to enter from one country to another. But only in the late 21st century the passport became as standardised and globally acknowledged as we know it today. But what has been the ultimate motivation for humans to travel the world? Trade, and it’s still today. Companies have also existed for centuries. Some of the oldest businesses existing today were established in Japan, like Nishiyama Onsen Keiunkan a hot spring hotel founded in 705. However, the need for business registries came much later in history. The United Kingdom’s Companies House was created in 1844. The goal of British lawmakers at that time was that having a list of registered companies publicly available would help reduce fraud. On the other side of the Atlantic, Dun & Bradstreet, a company that was founded in 1841 provided credit reports about businesses through several decades with a similar goal of helping businesspeople know the companies they were planning to trade with. In 1963 Dun & Bradstreet created the Data Universal Numbering System (DUNS) a unique nine-digit identifier for businesses. A few other similar business identifiers appeared but, as with the passports, the time for a global standardisation was still to come. Let’s hear now the history of the Legal Entity Identifier, LEI, the 20-digit identifier for businesses and other types of organisations. Oscar: Today we have with us Clare Rowley. The head of business operations at the Global Legal Entity Identifier Foundation, the GLEIF. Clare, what were the reasons why the LEI was created? Clare Rowley: I will go all the way back to September of 2008. For participants in financial markets, financial institutions, this is a very memorable month because during this time there was what is now referred to as the Lehman weekend. And of course, that led to a failure of an extremely important market institution, market player and the subsequent impact across the world. So, at this time, there were supervisors within financial markets, financial institutions, asking a very simple question to their regulated entities. That is, what is your exposure to Lehman Brothers? And the scary answer was - that was not really an easy thing to know and to determine, and it will probably take weeks and maybe even months to get that answer. And the root of the problem was not that there was no data on the positions that were held, etc. Rather, it was the problem in identifying those several thousand legal entities associated with Lehman Brothers. So, at the time there was no design in data systems that made it easy to aggregate information across the entities an...

Let's talk about digital identity with Bianca Lopes, Identity Advocate, Investor. Join Bianca Lopes and Oscar as they discuss the top challenges, solutions and achievements for digital identity within the financial industry – the connection to regenerative finance (Refi) and how this is changing identity in finance. [Transcript below] "I think a lot of the microservices architectures that some of the banks and financial services companies have implemented in their movement to the cloud, or just in their change inside and internally, have opened up their minds to rethink identity across the organisation." Bianca Lopes is an investor, business builder, economist, and identity expert, who focusing on driving meaningful impact through technology and regulation. Leading many significant identity projects and having helped transform how data can unlock financial and social worth. With a central focus on how we can rewire finance using the power of digital identity, ethics, and Web3. Bianca is driven by how we negotiate competing values with data and information technologies. In her work I have supported over 40 financial institutions and 8 governments to reshape their approach to technology, rethink the role of identity, and leverage their innovation agendas. She manages an international speaking calendar to help business leaders, governments, and consumers understand the impact that data, privacy, and finance will continue to have on our lives. Bianca’s journey and lived experience have informed her worldview. Born in Brazil, educated in Canada, based in Denmark and multilingual, she has encountered both sides of economic and digital development. Her mission is to build bridges and create value. She is honoured to work with UNESCO’s International Research Centre on Artificial Intelligence. Here we facilitate cooperation in developing artificial intelligence with special emphasis on supporting the development of a vibrant AI ecosystem Globally. Connect with Bianca on LinkedIn, Twitter or Instagram - @biasmlopes. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thanks for joining a new episode of Let’s Talk About Digital Identity. And today, we'll hear how the financial industry is redefining itself. And of course, what is the role of identity on this. For that, we a have special guest who is Bianca Lopes. As an investor, business builder, economist and identity expert, Bianca Lopes focuses on driving meaningful impact through technology and regulation. Leading many significant identity projects, she has helped transform how data can unlock financial and social worth. Bianca's central focus is on how we can rewire finance using the power of digital identity, ethics, and Web 3.0. Hello, Bianca. Bianca Lopes: Hello, Oscar, thank you for having me. Oscar: First, tell us about yourself and what was your journey to this world of identity? Bianca: All right. Well, I guess I'll start where my sort of journey on this Earth started. I'm from Brazil, originally. I'm an economist, as you mentioned, and my journey started in data centres. I was actually putting biometric hardware in physical parameter security. And I got into this after working at the bank for few years, I worked as a trader, and I worked in commercial banking. And then I worked in risk management and came to work with my client. And he was building this business. And this business was in the biometric space. And back in the day, it was kind of like, you know, minority report, when you told people you worked in biometrics. And little did I know that that's where my journey in identity was meant to start. And that was about over 13 years ago. It's been incredible.

Let's talk about digital identity with Viky Manaila, Trust Services Director at Intesi Group. In episode 79 Oscar and Viky discuss eIDAS 2.0 and EU digital identity wallets – what eIDAS 2.0 is and why it was created, what lessons were learnt from eIDAS and how have these helped to build eIDAS 2.0, and how the EU digital wallets relate to eIDAS 2.0. [Transcript below] "So, the aim of eIDAS 2.0 is to achieve the targets set in Europe's path to digital decade. Eighty percent of EU citizens being able to use a digital ID by 2030…" Viky Manaila is an international expert in the field of electronic signatures, digital identity and digital transformation processes, who has successfully promoted the electronic business globally. She has been technical expert to the European Commission for instituting Regulation 910/2014 (eIDAS) on electronic identity assurance and the design and roll-out of European, cross-nation e-procurement platforms and operations. She is member of different high level working groups set up by the European Commission, ETSI and the US Government aimed at aligning policy and operations around trust identity, digital signatures and cross-recognition. Viky has successfully contributed to standardisation work for the global acceptance of European Trust Services, as an expert in ETSI ESI Specialist Task Force 560. Global Acceptance of EU Trust Services is a study of existing trust services that operate in different regions of the world and their possible mutual recognition or global acceptance.  The eIDAS Regulation and corresponding standards go beyond EU boundaries, proving that interoperability and cross-border legal recognition are the keys for global electronic commerce and transactions. Viky is also President of Cloud Signature Consortium. Find out more about Intesi Group. Connect with Viky on LinkedIn or Twitter. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining us in a new episode of Let’s Talk About Digital Identity. And we are going to hear more about eIDAS 2.0 that is being evolving a lot getting ready and ready. So, for that we have a special guest who is Viky Manaila. She is an international expert in the field of electronic signatures, digital identity and digital transformation processes, who has successfully promoted the electronic business globally. She has been technical expert to the European Commission for instituting Regulation 910/2014 (eIDAS) on electronic identity assurance and the design and roll-out of European cross-nation e-procurement platforms and operations. Viky is a member of different high level working groups set up by the European Commission, the ETSI, and the US government aimed at aligning policy and operations around trust identity, digital signatures, and cross-recognition. She's also president of Cloud Signature Consortium. Hello, Viky. Viky Manaila: Hello, Oscar. Hello, everyone. And welcome to Let’s Talk About Digital Identity in Europe this time. Oscar: Exactly. We're talking about what is happening in Europe. Yeah, fantastic. Nice hearing you. Nice meeting you, Viky. So, let's get started. Viky: Thank you for inviting me to your show. Oscar: My pleasure. So, Viky, let's talk about digital identity. So, let's start by hearing a bit more about yourself in your journey to this world of identity. Viky: Well, my journey into digital services and identity space started back in 2002 when I was preparing my master’s thesis in electronic signatures and cryptography. That time I came across the famous cartoon of New Yorker drawn by Peter Steiner with the two dogs in front of the computer, the old one telling to the smallest one,

Let's talk about digital identity with Dr Salah Rustum, founder of CIELTECH. Oscar is joined by Dr. Salah Rustum, founder of CIEL and CIELtech to discuss digital identity in the middle east – what digital identity challenges the organisations in this region are facing, what solutions could be introduced to help these challenges and what cyber laws are in this region and his role in introducing these laws. [Transcript below] "Everybody wants to be on the internet, everybody wants to apply in new technologies. The danger is that sometimes they get wrong advice." Dr Salah A. Rustum is a Ph. D. in Aerodynamics and has occupied very high positions in this field including vice presidency at Boeing. Dr Rustum is also the founder of CIEL a Lebanese Company dealing in Cyber Security ever since 1990 and the founder of CIELTECH of Qatar which has the same concept and has set his mission to support and develop the integrity of information technology and information sent on the Internet. Connect with Salah on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining this new episode of Let’s Talk About Digital Identity. And today, we'll have a geographical focus perspective in which today we'll focus on the Middle East. And for that we have very special guests who is Dr Salah Rustum. He is a PhD in Aerodynamics, and has occupied very high positions in this field, including a vice presidency at Boeing. Dr Rustum is also the founder of CIEL, a Lebanese company dealing in cybersecurity ever since 1990. And he is the founder of CIELTECH of Qatar, which has the same concept and has set its mission to support and develop the integrity of information technology and information sent on the internet. Hello, Dr Salah. Dr Salah Rustum: Hi. How are you? Oscar: Very good. It's a pleasure having this conversation with you. Salah: It's my pleasure as well to be online with you. And I hope our meeting would be a good one and successful. Oscar: Absolutely, I'm sure it's going to be. So, let's get started, let's talk about digital identity. And as always, I want to hear something about our guest. So please tell us about yourself and your journey to the world of digital identity. Salah: Well, as you said, I had my PhD from MIT, I worked with Lockheed Martin to begin with. And then I had an offer from Boeing which I couldn't refuse. And later on, I was moved to, transferred actually to the Middle East, and started Boeing Middle East. It didn't work there due to political reasons. And after that returned to the States continued my aviational career. During which I became the Chairman of the Introductory Commission of the Jumbo Jet in the world. I was the chairman of the Future Planning Commission of Rome Airport, and other different positions that I held throughout the time I served in aviation. But the most outstanding of my career is my absolute transfer from aviation to technology, which I am intruding on it as my real study is concentrated on aviation and the effect of wind on any object. But the transition was easy as everything based on physics is easy. And it is easy comprehensible. I started with introducing the electronic digital signature as early as 1996. And from there on, it became – the scope became wider and wider. And we got to the extent that we started dealing with cybersecurity, and what it meant at that time and what it means now. Of course, we did a lot of work on bridging the digital divide, which was very important between the Middle East and the West. And of course, it was very painful in the start, it was a very, very dark tunnel, which I entered. But luckily speaking,

Let's talk about digital identity with Michael Palage, co-founder of InfoNetworks. In episode 77 Michael and Oscar discuss what DNS can bring to identity – what identity problems DNS can help to solve and how DNS fits with TRAIN. Michael also covers how LEIs are part of this solution. [Transcript below] "I see the DNS being in an optimal infrastructure to facilitate identity discovery and look up, and one that can seamlessly integrate with the various identity technology stacks that are in the market today." Michael Palage is an intellectual property attorney and an information technology consultant. He has been actively involved in Internet Governance and ICT issues over the last twenty years. During this time, he has been intimately involved in ICANN operational and policy matters since its formation in both an individual and leadership role, including a three-year term on the ICANN Board of Directors. Currently, Michael is President and CEO of Pharos Global, Inc. which provides consulting and management services to domain name registration authorities and other technology related companies in connection with Internet governance issues. He is also the co-founder of InfoNetworks LLC, an information technology company focused on solutions for building online trusted ecosystems incorporating the federation verified data. He has testified before the United States Congress multiple times and as an expert witness in both Federal and State Court in numerous legal proceedings. Connect with Michael on LinkedIn. Related links: FinCEN / FDIC Digital Identity Tech Sprint: Team DNS presentation InfoNetworks/Microsoft/DigiCert – Domain Name Credential Use Case: ICANN BC Presentation ICANN72 ICANN BC Presentation ICANN75 We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining to this episode. The DNS is something you might have heard or seen and is an important component of internet. And today, we are going to hear what DNS can bring us about identity. And for that we have a special guest who is Michael Palage. He is an intellectual property attorney and an information technology consultant. He has been actively involved in ICANN which is the Internet Corporation for Assigned Names and Numbers for operational and policy matters since its formation, and that includes a three-year term on the ICANN Board of Directors. Palage is President and CEO of Pharos Global, a company that provides consulting and management services to domain name registration authorities and other technology-related companies. Also, he is co-founder of InfoNetworks, which is an information technology company focused on solutions for building online trusted ecosystems incorporating the federation verified data. Hello, Michael. Michael Palage: Thank you, Oscar. Long-time listener of your podcast, and I really welcome the opportunity to speak with you today. Oscar: Oh, thank you. It's great having you. And Michael, let's talk about digital identity. And as usual, I want to hear a bit about our guest, so please tell us a bit about yourself and your journey to this world of identity. Michael: Sure. My journey to identity actually started from the world of identifiers, or as you alluded to, more specifically, the world of internet domain name identifiers. In that journey, I still remember that rather specifically occurred in October of 1994. I had already finished up my engineering degree and I was pursuing my law degree at night at Temple University in Philadelphia while I worked during the day at an intellectual property firm as a law clerk. And in 1994, I read this article by Joshua Quittner in WIRED magazine entitled Billions R...

Let's talk about digital identity with Roberth Lundin, Senior Security Consultant at Knowit. In episode 76, Senior Security Consultant at Knowit, Roberth Lundin, discusses identification services in Sweden alongside Smart Cards – what identification services are available in Sweden and why should someone have a BankID or Freja e-ID as well as what smart cards are and what is interesting about these. [Transcript below] "But if you take a smart card, for example, well, you can't copy a smart card. That's very important." Roberth Lundin is Senior Security Consultant at Knowit. For the last years he has been working with Bankgirot as an IT-security specialist, in which one of his most important duties is to coordinate all security audits using risk-based approach, also worked with SOC/SIEM system, identity governance and administration (IGA). In his vast experience he has seen and contributed to the evolution of eIDs in Sweden including smart cards. Connect with Roberth on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! ­Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Come to meet us in person. Ubisecure are attending Security Leadership Belgium on October the 5th and 6th in Brussels. Come and meet us to find out how Ubisecure can help with your business challenges in cyber security and CIAM. To find out more, take a look at the Ubisecure events page, www.ubisecure.com/events. See you in Brussels. Oscar Santolalla: Thank you for joining a new episode of Let’s Talk About Digital Identity. I was thinking, personally, I have been using for accessing many online services, I use many authentication methods, identification services that we have been discussing in this podcast, three years. But one that I have not used is a smart cards. For instance, even though hereby being a citizen of Finland, I have one, but I have not used it before. So that's one of the things we're going to discuss today, how to use a smart card for identification. And also, what are the other identification services in Europe and especially from Sweden that is from where our guest today is coming. Our guest today is Roberth Lundin. He is a Senior Security Consultant at Knowit. For the last years, he has been working with Bankgirot as an IT Security Specialist in which one of his most important duties is to coordinate all security audits using risk-based approach. He also works with SOC SCM systems, Identity Governance and Administration, IGA among all the roles in his vast experience he has seen and contributed to the evolution of eIDs in Sweden, including smart cards. Hello, Roberth. Roberth Lundin: Hello. Oscar: OK, Roberth. So, let's talk about data identity. But first of course, we want to hear a bit more about yourself. So please, you can tell us, yeah, your journey to this world of the that identity. Roberth: I started in 1989 at a company named Bull. The first project I got was to finish a secure login and file transfer tool for UNIX, which use smart cards, high security smart cards, actually. Then I have been working for the next 20 years at Bull, Integris, Steria with personalisation systems for smart cards, issue system for electronic IDs and so on. 2009, I started work at Cybercom, which is now named Knowit. 2014, I started the first signing service using DIGGs framework, which I still work with part-time and been working for since 2015 to 2018 with electronic medical certificate and signing of them as a security specialist. And then for 2019, I worked at Bankgirot to secure their operations. That's my background basically, very shortly. Oscar: Fantastic. We're going to talk about smart cards and also the eIDs in Sweden and Europe. But first, I know something interesting is to think of in a broader a...

Let's talk about digital identity with David Birch, Principal at 15 Mb and author, advisor and commentator on digital financial services. In episode 75 David Birch discusses digital currencies – the differences between digital currency and cryptocurrency, the role in which identity plays in digital currency and the importance on identity verification within digital currencies. [Transcript below] "Digital currency needs some form of digital identity, that might actually drive digital identity forward and help digital identity to develop into the mass market." David G.W Birch is an author, advisor and commentator on digital financial services. Principal at 15Mb, his advisory company, he is Global Ambassador for the secure electronic transactions consultancy, Consult Hyperion, Fintech Ambassador for Digital Jersey and Non-Executive Chair at Digiseq Ltd. He is an internationally-recognised thought leader in digital identity and digital money. Ranked one of the top 100 fintech influencers for 2021, previously named one of the global top 15 favourite sources of business information by Wired magazine and one of the top ten most influential voices in banking by Financial Brand, he created one of the top 25 “must read” financial IT blogs and was found by PR Daily to be one of the top ten Twitter accounts followed by innovators (along with Bill Gates and Richard Branson). His latest book “The Currency Cold War—Cash and Cryptography, Hash Rates and Hegemony” (published in May 2020) “paints a fascinating and stimulating picture of the future of the world of digital payments and its possible impact on the wider global and economic orders” – Philip Middleton, OMFIF Digital Monetary Institute. His previous book “Before Babylon, Beyond Bitcoin: From money we understand to money that understands us” was published in June 2017 with a foreword by Andrew Haldane, Chief Economist at the Bank of England. The LSE Review of Books said the book should be “widely read by graduate students of finance, financial law and related topics as well as policy makers involved in financial regulation”.  The London Review of Books called his earlier book “Identity is the New Money'' fresh, original, wide-ranging and “the best book on general issues around new forms of money”. More information is available at www.dgwbirch.com and you can follow him @dgwbirch on Twitter. Connect with David on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! ­Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and welcome to a new episode of Let’s Talk About Digital Identity. Today, we'll talk about digital money, especially a type of digital money that I see that not many people are discussing today. Except, of course, our special guest who is David G. W. Birch. He is an author, advisor and commentator on digital financial services, Principal at 15 Mb, his advisory company. He is Global Ambassador for the secure electronic transaction’s consultancy, Consult Hyperion. He is Fintech Ambassador for Digital Jersey and Non-Executive Chair at DIGISEQ Limited. He is an internationally recognised thought leader in digital identity and digital money. Also, author of several books including his latest book, The Currency Cold War: Cash and Cryptography, Hash Rates, and Hegemony. Hello, David. David Birch: Hello, Oscar. Thank you so much for inviting me. Oscar: It's a real pleasure talking with you and super interesting topic we're going to discuss today about digital money. So yeah, let's start a conversation. Let's talk about digital identity. I would like to hear first, a bit about yourself and your journey to the world of identity. David: Oh, sure. OK. Well, my background originally was in secure communications,

Let's talk about digital identity with Heather Flanagan, Principal at Spherical Cow Consulting. In episode 74, Heather Flanagan discusses making identity easy for everyone – how to explain digital identity to people outside of the identity industry, why is it important for everyone to understand, and what the industry can do to improve the understanding of identity for everyone. [Transcript below] "If you talk to any identity professional, they will agree that passwords are one of the biggest, possibly the biggest challenge facing the industry. So how are we solving it?" Heather Flanagan, Principal at Spherical Cow Consulting and choreographer for Identity Flash Mob, comes from a position that the Internet is led by people, powered by words, and inspired by technology. She has been involved in leadership roles with some of the most technical, volunteer-driven organisations on the Internet, including IDPro as Principal Editor, the IETF, the IAB, and the IRTF as RFC Series Editor, ICANN as Technical Writer, and REFEDS as Coordinator, just to name a few. If there is work going on to develop new Internet standards, or discussions around the future of digital identity, she is interested in engaging in that work. Connect with Heather on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! ­Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining us. Today, we are going to hear from an expert in identity about - how from the perspective of, let's say regular people, most of the people, who are not involved in the identity industry, how much they understand the identity, the methods, the technology and everything that we in this industry are building. So, we're going to talk about how we can make identity easy for everyone. For that, our guest is Heather Flanagan. She is Principal at Spherical Cow Consulting, and Choreographer for Identity Flash Mob. She comes from a position that the Internet is led by people powered by words and inspired by technology. She has been involved in leadership roles with some of the most technical, volunteer-driven organisations on the internet, including IDPro as Principal Editor, the IETF, the IAB as RFC Series Editor, ICANN as Technical Writer just to name a few. Hello, Heather. Heather Flanagan: Hello, Oscar. Oscar: Nice having you. Heather: Thank you. It's great to be here. Oscar: Excellent. This is going to be super fun talking about how to make identity easy for everyone. Let's see how our conversation goes. So yeah, let's get started, let's talk about digital identity. First, I would like to hear a bit more about yourself, please tell us your journey to this world of identity. Heather: Oh, you know, very few people actually decide that "You know, digital identity, that's going to be my career." In my case, I have a liberal arts degree as a history major, and a library science degree for my master's degree. I mean, I was supposed to be a librarian when I grew up. But as is often the case, once the person falls into tech, everything ends up touching on digital identity. So immediately after university, I ended up working for the public research division of a newspaper that was just starting up an ISP. So, this was the mid '90s, there weren't a lot of experienced tech people to hire. And that ISP started hiring people who, you know, are you smart? Are you logical? Can you learn from a book? And there, as a sysadmin, I had to worry about creating user accounts and making sure that those users were able to access what they were allowed to on a system and only what they were allowed to on a system. When I left the ISP, I went to work for a large software company where again,

Let's talk about digital identity with Ann Cavoukian, Executive Director of the Global Privacy and Security by Design Centre. In our series opener, Ann Cavoukian discusses Privacy by Design – the 7 foundational principles, the issues that it aims to solve and how Privacy by Design has evolved and is being used in today’s tech products. [Transcript below] "You want to prevent the privacy harms from arising, not just resolve them after the fact, you want to prevent them." Dr. Ann Cavoukian is recognised as one of the world’s leading privacy experts. Dr. Cavoukian served an unprecedented three terms as the Information & Privacy Commissioner of Ontario, Canada. There she created Privacy by Design, a framework that seeks to proactively embed privacy into the design specifications of information technologies, networked infrastructure and business practices, thereby achieving the strongest protection possible. In 2010, International Privacy Regulators unanimously passed a Resolution recognising Privacy by Design as an International Standard. Since then, PbD has been translated into 40 languages! In 2018, PbD was included in a sweeping new law in the EU: the General Data Protection Regulation. Dr. Cavoukian is now the Executive Director of the Global Privacy & Security by Design Centre. She is also a Senior Fellow of the Ted Rogers Leadership Centre at Ryerson University, and a Faculty Fellow of the Center for Law, Science & Innovation at the Sandra Day O’Connor College of Law at Arizona State University. Connect with Ann on LinkedIn. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! ­Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and welcome to join us a new episode of Let’s Talk About Digital Identity. And you might have heard about Privacy by Design before all the influence that has had in products and regulations, et cetera. And today, we'll hear about that from its own creator. So, our guest today is Dr. Ann Cavoukian. She is recognised as one of the world's leading privacy experts. Dr. Cavoukian served an unprecedented three terms as the Information and Privacy Commissioner of Ontario, Canada. There she created Privacy by Design, a framework that seeks to proactively embed privacy into the design specifications of information technologies, network infrastructure, and business practices, thereby achieving the strongest protection possible. Today, Dr. Cavoukian is the Executive Director of the Global Privacy and Security by Design Centre. Good morning. Dr. Ann Cavoukian: Good morning, Oscar. Oscar: Good morning. And it's fantastic having the pleasure of having this conversation with you. Ann: Thank you. It's my pleasure. Oscar: Please tell us shortly how, yeah, your journey to this word of privacy and digital identity? Ann: Well, you know, it's interesting. When I became Privacy Commissioner, for the first term in '97, I think, I joined the office and it was full of brilliant lawyers who wanted to apply the law to data breach or privacy infraction and get a good resolution, which is great. But I wanted something earlier than that. I wanted something that was proactive. That by design could be embedded into the operations that you have, bake it into the code, make it a presence, so that you could prevent the privacy harms from arising. I wanted a model of proactive protection. And it took a while to sell this to my staff, to my lawyers. But I literally created Privacy by Design at my kitchen table over three nights. It was all about being proactive. That's how it came about. Oscar: OK, super interesting. If you can tell us, what is that concept for the ones who are not so completely familiar. Ann: So, Privacy by Design is all about being proactive.

Let's talk about digital identity with Simon Moffatt, CEO and Analyst at The Cyber Hut. In episode 72, Simon Moffatt from The Cyber Hut discusses what is next for identity and access management – what his recent research has shown regarding passwordless authentication and next generation authorisation, alongside what trends are emerging in IAM and how he sees the IAM landscape evolving in the future. [Transcript below] "I think the technology is there today, I think there are numerous different solutions, whether it's based on sort of biometrics, or perhaps standards, like FIDO and WebAuthn that provide us with the tools and techniques to rid ourselves of passwords." Simon is Founder and Analyst at The Cyber Hut - a leading boutique industry research, analysis and advisory firm focused on identity, access and cyber security technology. He has a 20+ year career within the identity and access management space having worked for consultancies, startups and global software vendors.  He is a published author and contributor to identity standards at the likes of NIST and the IETF.  He is also a Fellow of the Chartered Institute of Information Security. His long running research is focused upon next generation authorisation and emerging authentication technologies as well as having an interest in the history of code breaking, signals intelligence and cyber warfare operations. Find Simon on LinkedIn. Find out more about The Cyber Hut. We’ll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Let's Talk About Digital Identity will be returning for Series 4 on Wednesday 17th August 2022. ­Go to our YouTube to watch the video transcript for this episode.   Podcast transcript Let’s Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and thank you for joining. Today, we are going to hear now what is next for identity and access management. And we have a guest who really does a lot of research and training and consultancy about specifically identity and access management. Our guest today is Simon Moffatt. He is Founder and Analyst at The Cyber Hut, a leading boutique industry research, analysis, and advisory firm focused on identity, access, and cybersecurity technology. He has more than 20-year career experience within the identity and access management space, having worked for consultancies, start-ups, and global software vendors. He is a published author and contributor to identity standards as the likes of NIST and the IETF. He's also fellow of the Chartered Institute of Information Security. His long running research is focused upon next generation authorisation and emerging authentication technologies, as well as having an interest in the history of code breaking, signals intelligence, and cyber warfare operations. Hello, Simon. Simon Moffatt: Hi, Oscar. How are we doing? It’s great to be here today. Oscar: Pretty good. It's a pleasure talking with you, Simon. So definitely, we want to hear what's coming in identity and access management. So yeah, let's get started. Let's talk about digital identity. And first, we would like to hear a bit more about yourself, especially what was your journey to the world of identity. Simon: Yeah, thanks. It's such a fascinating area, identity. I've been fortunate to have been in it for just over 20 years, which is a little bit scary when I say that out loud. But I guess like any technology in any sort of technology trend, 20 years is an absolute lifetime. And there's been so many changes in actual products that are available, the standards, how technology is used, it seems an absolute world away. But I started my career back in 2001, working in industry, like most people probably do when they when they start their careers. And I was working for a large insurance company in the UK for three or four years.