DIGITAL IDENTITY THE SOUTH AFRICAN STORY
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DIGITAL IDENTITY THE SOUTH AFRICAN STORY Fri, 20 August 2021
TABLE OF CONTENTS
1. Global Analogues
• Elements of Digital Identity and use cases developed globally
• Successful Digital Identity Programmes across India and Estonia
2. Need for Digital Identity in South Africa
• Need for Digital Identity in South Africa
• Key initiatives in digital Identity in South Africa, overall approach and outcomes
3. Way Forward
©BankservAfrica 2DIGITAL IDENTITY HAS BECOME A CRITICAL ELEMENT OF THE POST-
COVID DIGITAL-FIRST SOCIETY
Digital Identity constitutes of a set of electronically captured, stored attributes and credentials that can uniquely
identify a person as well as individualise a person in a computer-based environment.
Digital Identity Elements Digital Identity Use Cases Successful Digital Identity Programmes
Useful India
(Interoperable, Acceptable)
• India follows a ‘Centralised
Ecosystem Model’
Inclusive
• India needed an all-encompassing
(Universal, Accessible)
Financial E-Healthcare Education E-Commerce digital identity in direct control of the
Services government due to the limitations of
Secure other available identities
(Trusted, Do no harm) Estonia
Fit for Purpose • Estonia follows a ‘Self-Sovereign
(Sustainable, Unique) Identity Ecosystem Model’
• It has a centralised blockchain
Travel Real-Estate E- maintained by the government. It
Offers Choice Governance was adopted to give the citizens data
(User-Centric, Transparent) privacy and data ownership
©BankservAfrica 3THERE IS A NEED FOR A SOUTH AFRICAN DIGITAL IDENTITY
ECOSYSTEM TO MOVE TOWARDS A DIGITAL ECONOMY
Digital Identity has the potential to unlock opportunities in financial services, enhancing productivity within the
economy and simplifying administrative processes
Digital Identity will enable us to: Benefits to the Benefits to the Benefits to the
Economy Citizens Government
Verify the identity of individuals
Authenticate conveniently and securely with a • E-commerce increased • Since 2020, consumers • Simple and streamlined
contactless process by 35% in 2020 and shifted their spending administrative
with it increased the habits to embrace processes
need for an online contactless payments
authentication system and online shopping. • About 61% of the
Increase access to various services About 86% of population received
Improve Reachability and employment opportunities as • With 84% of the consumers now have some form of Social
population dependent access to more Grants in 2020; thus,
well as enhance productivity
on public healthcare payment methods digitising this process
services, digitising can reduce the long
these services can • Inclusion and queues at the various
Improve efficiency and enable improve health convenient access to access points
innovation for public- and private- provision and generate services
Drive Innovation
sector services (i.e., the delivery of revenue • Integrated services
social safety nets and facilitating the • Improved FICA across G2P and G2B
• Reduced cost and processes with reduced
development of digital economies) fraud
increased efficiency
©BankservAfrica 4BANKSERVAFRICA WAS APPROACHED BY THE SELF-SOVEREIGN
IDENTITY CONSORTIUM TO LEAD THE DIGITAL IDENTITY INITIATIVE
2016 April 2020 March 2021
The South African Financial Blockchain A proposal was submitted to SASSA on A 2-day workshop was held to unpack
Consortium (SAFBC) was established COVID-19 Grant Employee Data the Project charter with the Community
Management and monitoring solution
The journey
so far
2019 August 2020 April 2021-present
Proposal on Self Sovereign A webinar was held with focus on Financial Engaging the community to explore and
Identity platform related services and three use cases were unpack building blocks of South Africa’s
solutions and prototypes developed by the industry participants Digital Identity story
Project Scope
Current ▪ BankservAfrica appointed PwC to design a framework for the South Africa Digital Identity story
▪ PwC supported BankservAfrica in mobilising and coordinating the digital identity community
Phase
©BankservAfrica 5THROUGH A COLLABORATIVE APPROACH, BANKSERVAFRICA
ENGAGED THE COMMUNITY TO EXPLORE DIGITAL IDENTITY
Approach Guiding Questions and Community Outcomes
What should be the
proposed digital identity A hybrid ecosystem model that can combines the strengths of
Participant interviews Survey questionnaire ecosystem model for South both ecosystems – Centralised and Self Sovereign Identity
Africa?
What should be the key The use cases to explore in the short term are e-KYC, Digital
Focus Group Discussions (FGDs) use case for the South Onboarding and Digital Signatures (Bank ID). The focus areas are
African digital identity? Financial Services, Social Benefits and Healthcare
Socialise Outputs Who will be the key
stakeholders in the South DHA will be the ‘golden source’ of identity. There could be
African digital identity multiple credential providers supported and governed by a trust
Digital Identity Community (Non-Exhaustive) ecosystem and what will framework
be their respective roles?
What will be the proposed
governance framework of There is a need to appoint a scheme operator/administrator that
the Digital Identity Story in provides leadership supported by a board to provide oversight
South Africa?
What should be the overall A Distributed Ledger Technology (DLT) which is scalable, fast
technology framework and and secure. The chosen technology should be tamper-proof and
considerations? able to avoid cyber attacks or threats
©BankservAfrica 6Next Steps
1 Publish public report on Digital Identity - A South African Journey
2 Continued engagement with the Digital Identity Community and key stakeholders
3 Develop commercial case for change for some of the identified use cases
Establish sandbox environment that will be leveraging the technology and development efforts from
4
these platforms that were built by banks and others as part of the SAFBC initiative
©BankservAfrica 7CALL TO ACTION
2. Support from community
and enablement
1. Buy-in on the 3. Need for
commercial ambassadors for
case driving change within
their organisation
©BankservAfrica 8©BankservAfrica 9
KEEN TO JOIN THE CONVERSATION?
PLEASE CONTACT
THE DIGITAL IDENTITY PROJECT TEAM
@
za_digitalid@pwc.com
©BankservAfrica 10Thank You
Annexures
GLOBAL SUCCESS STORIES – INDIA, SWEDEN, ESTONIA
INDIA ESTONIA SWEDEN
What digital identity Centralised Model - The need for Self-sovereign identity Model - The need Federated Model - Although a National ID
ecosystem model an all-encompassing digital identity due to give the citizens data privacy and security existed, banks came together to collaborate
was adopted and the limitations of other available identities while maintaining ownership. Implemented and create a Digital ID backed by a trust
why? and direct Government intervention to with a centralised blockchain maintained by framework from Central Authority
facilitate the process the government
Who are the Central Authority: Unique Identification Central Authority & ID Operator: Identity Authority: Finansiell ID-Teknik BID
stakeholders Authority of India(UIDAI), Identity Providers: Information System Authority (RIA), ID AB; ID Provider: 10 Major Banks; Identity
involved? Unique Identification Authority of Providers: Police and Border Guard, Ministry Operator: Private, Operators (like Signicat);
India(UIDAI) , Identity Operator: Unique of Foreign Affairs and Enablers: E-Estonia Relying Parties: Tax Dept.(Skatteverket), e-
Identification Authority of India(UIDAI), briefing centre, SK ID Solutions comm firms etc. and Enablers: Signicat,
Relying Parties: Banks, Electricity Boards etc. Private Providers
and Enablers: Enrollers, MEITY
What was Monitoring the issuance of the cards, Oversight and issuance of ID Defining and regulating the identity
government’s introducing several social welfare schemes framework as well as endorsing providers
involvement in the around Aadhaar and managing data privacy
DI programme? & security
What technology Biometric Deduplication; Data encryption The underlying architecture is a KSI Federated digital ID architecture with SSO
was used in the using two of the most robust public key Blockchain, use SplitKey technology in Smart- schemes that allows a user to access multiple
development of cryptography encryptions ID application separate services by identifying information
digital identity? established in one security domain
©BankservAfrica 13KEY HIGHLIGHTS OF THREE SUCCESSFUL DIGITAL IDENTITY
PROGRAMMES (2/2)
INDIA ESTONIA SWEDEN
How long did it take Aadhaar was conceptualized in 2006 The e-ID was first issued along with digital BankID started in 2001 when the EU law
for successful UIDAI was formed on 2009; the 1st Aadhaar signature in 2002. Mobile-ID and Smart-ID changed to recognise an electronic signature
adoption of digital was issued in 2010. As at 2021, almost 1.3 platform were subsequently launched. Over as equal to a physical signature. With the
identity? billion Aadhaar has been generated the years, multiple services have been growth of mobile, mobile BankID
onboarded penetration in the country has reached 96%
as at 2021
What regulatory and The Aadhaar Act 2016 is the main law The country as part of EU follows all GDPR A consortium between Swedish’s major
policy frameworks governing Aadhar (Identity). It includes measures and they have strict policies banks was formed in 2001 and a second
were adopted? measures to ensure the inclusion of women, against misuse of personal data and access to framework contract procurement was
children, senior citizens, persons with data by entities established in 2004
disability, unskilled and unorganized workers
What are the The Identity programme focused on Smartphone Penetration: Smartphone Banks’ collaboration to develop the BankID
accelerators that inclusivity, incentivisation of benefits for penetration is around 63.13% of the solution and build an integrated ecosystem
enabled adoption of public and private sector organisations, population, which helped adoption
the digital identity? improvement in the distribution of social Banks leading the adoption: The two largest
benefits and ensured transparency in banks Swedbank and SEB, were first to
enrollment implement Mobile-ID for their services
©BankservAfrica 14You can also read
