Unleash the potential of eID Jes Rasmussen · Ad Hoc – Telemarketing Customer self service -...

Unleash the potential of eID Jes Rasmussen

May 2014

Agenda

1. About SEB and SEB Kort Bank AB

2. The eID schemes

3. The signing (r)evolution

4. A free lunch?

5. Benefits

6. Examples

7. Scandinavian race

8. Conclusion

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

A Nordic bank with a global reach

London

S:t Petersburg

Geneva

Hong Kong Shanghai New Delhi Beijing

Kiev

Dublin

Moscow Denmark

Norway Finland

Sweden

New York

São Paulo

Singapore

Lithuania

Latvia Estonia

Germany Warsaw

Luxembourg

2 800 Corporates & Institutions 400 000 SME:s 4 million private individuals

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

SE, NO, DK, FI

SE, NO, DK, FI SE, NO, DK, FI, LV

SE

SE, NO, DK

SEB Kort – at a glance

Nordic market leader within

Co-branding (>20 co-brands)

Corporate cards and travel accounts

A leading Nordic Central Acquirer

2nd largest issuer of corporate cards and 5th largest issuer of co-brands in Europe within the MasterCard scheme

Exclusive Eurocard licenses in 11 countries

3.6 million issued cards and more than 150 000 merchant agreements

Pan Nordic IT platform and issuing processing factory

Operating within MasterCard, Diners Club and Visa schemes

A fully owned subsidiary to SEB

~660 employees

5 May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

Leading solutions in Scandinavia

Danish NemID One solution, server centric, user name, personal pass code and OTP from TAN Cards (or Code generator). USB hard cert as well

NemID will become Java free juni 2014

Norwegian BankID One solution, server centric, user name, personal pass code and OTP (OTP factor differs from bank to bank). BankID2.0, Java free in August 2014

Mobile at UICC and iPhone / Android APP

Swedish BankID Several solutions, previously soft certs. Now moving into One Solution from all banks - chip cards

Mobile APP – with Soft certs

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

OR + OR

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

TUPAS

Signicat “defragments” a fragmented world

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

The signing (r)evolution

1996 2012

Ask for a paper application

Print PDF

HTML Wizard with PDF

100% online with e-signing

Support for “Sign Later”

Sign other agreements

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

A free lunch?

SEB Kort do not issue eIDs ! - SEB Kort do not have branch offices

New Customer – Digital signing Private Card applications

Corporate Card applications – including sign later

Large batches

Ad Hoc – Telemarketing

Customer self service - authentication and signing Activate ”eBank” profile

Log in Eurocard Denmark Only

Sign new credit application

Change limits

Sign additional agreements – like insurances.

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

Costs

Compliance

Risk

Revenue

Usability

Security

Benefits

e-signing

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

85%

93%

69%

2009* 2011 2012

85%

77%

59%

0% 93%

85%

69%

25%

40%

90%

Copenhagen

Oslo

Stockholm

Scandinavian race

2014 ??

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

Conclusion - e-signing in SEB Kort

Best thing ever happened since the Internet was invented

Secure

Lover risk

Instantly

Convenient

Efficient

Mobile….

Signicat ;-)

May 2014 | THE USE OF DIGITAL SIGNING IN SEB KORT

jes.rasmussen@seb.se

+4740805479

Questions