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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 ;-)
