SISUID

SISUIDSecure and free digital identity for the global citizens

SisuID EARLY ACCESS22.1.2020 Teknologiateollisuus

SECURE AND FREE DIGITAL IDENTITY FOR EVERY CITIZEN

SISUID

VISIONMulti-level and multichannel digital authentication easy for all citizens and foreigners

Authentication cheap as water from the tap, for all service providers

All sectors can influence the development

Single common digital identity (unique identifier) across all sectors

SISUID

SISUID –PROGRAM STATUS

SISUID

MARKET ACTIONS

SISUID HEARING MEETING WITH GOVERNMENT• Meeting included a variety of government

owned, private and third sector companies and organizations, who voiced out their need for shared authentication infrastructure, independent of the actual solution.

– Posti 1,4M digital channel customers– Alma 1,3M customers– Kesko 3,6M loyalty customers– Finnair 13,3M travelers per year– OP 2M owner customers– Nordea 500 000 corporate customers– Veikkaus 1,8M loyalty customers– Helen 500 000 company and consumer customers– Vastuu Group 400 000 registered workers

SISUID

Need Private PublicSteep decline of authentication costs X X

Free for end-users X X

Improving usability X X

Special groups and foreigners X X

Company users X X

New common authentication method X X

Physical channel authentication X X

Influence possibility on development X X

eIDAS – EU cross-border interoperability - X

Payment authentication X -

MyData enabler X X

Decentralized identity X X

Biometric authentication X ?

PUBLIC AND PRIVATE SECTOR HIGH LEVEL NEEDS

SISUID

Authentication Co-Op

Operator: New digital trust technology company(Fixes Finnish authentication market as non-profit, focuses in export)

User organizations: Governmental organisations

User organizations: Private service providers (e.g. banks,

operators, private companies…)

Founding member: Finnish Government

Decision-making power is shared evenly based on

shares or the government can be given a fixed share.

Government can make the investment into the Co-Op, into the Operator company or both – investment is not a public tender, so no tender process is involved

Example of proposed co-operation model:JOINT AUTHENTICATION CO-OPERATIVE (tunnistusosuuskunta esimerkki)

Founding members: Private sector companies

SISUID

• Technical environment and operations• Enrollment service TX costs• Other operating costs, like security ops• Personnel and development costs• Customer service and service provider

support

FULL CAPABILITY - COST ESTIMATES

Funding required

for first three years: 6M€

SISUID

SISUIDSecure and free digital identity for the global citizens

Sitra is developing the world first human centric data economy platform for developers

• MyData• Secure digital identities• Human centric consent• Productized data and APIs• Machine readable and

harmonised data• Decentralised data exchange• Developer tools and

market places for data

FIRST VERSION OUT SPRING 2020

IHAN Showroom

Secured by

SISUID

WE CONTRIBUTED TO FUTURE STANDARDISATION OF THE DIGITAL IDENTIES SPECIFICATION WITH CEN CWA

SISUID

• Fast track to Finland– Establishing a company / Foreign company’s path to Finland– Foreign students’ path to Finland– Foreign workers’ path to Finland

FINNISH DIGITAL TRUST INITIATIVE

Valmistelussa mukana

SISUID ENSURE RESOURCES FOR COMPANIES AND SOCIETY AT LARGE

Work force Students CompaniesAutomate the flux of talent and investments to Finland with

Digital Trust starting from residency permits, foreigner identities, governmental services and digital customership.

SISUID CREATE COMPETITIVE EDGE FOR OUR EXPORT INDUSTRIES GLOBALLY

Automate the agreements, permits and rights for Logistics, Trade Finance,

Customs and Taxation from Finland with Digital Trust

SISUID

FINNISH DIGITAL TRUST INITIATIVES TO WATCH

IHAN® Fair data economy

Findy

SISUID

”6.6 billion people havesome form of identification, but over half cannot use it effectively in today’sdigital ecosystems.”

GLOBAL DIGITAL IDENTITY PROBLEM

Source: DIGITAL IDENTIFICATION: A KEY TO INCLUSIVE GROWTH JANUARY 2019, McKinsey & Company

SISUID

Digital Identities

Authentication

Consent

MyData Company Data

Data Ecosystem

Person

Company Thing

SISUID Infrastructure for digital trust

Digital identity – capability to connect data to people, companies and things, and manage their

relationships with each other

Digital authentication – capability to identify users, authenticate to services and to give

consents

MyData-platforms – consent management to control

personal and company data

Data Ecosystems – common rules and standards, new business models for data

transfers

Findy

SISUID

EARLY ACCESS PROGRAM

SISUID

WELCOME TO NEW AGE OF AUTHENTICATION!

NOW AVAILABLE

FEATURESPRICING

SCHEDULE

SISUID

ONE FIXED FEENETFLIX OF AUTHENTICATION

NO TRANSACTION FEESSHARED COSTS - SIGNIFICANT SAVINGS

SISUID

AUTHENTICATE AS MUCH AS YOU WANT

SISUID

MULTIPLE LEVELS OF AUTHENTICATION

LIKE GOOGLE LOGIN, BUT WITH VERIFIED USERS AND PRIVACY

REMOTE ENROLMENT AND ONBOARDING

SISUIDSTART WITH EMAIL ENROLLMENT

UPGRADE FINNISH IDENTITIES WITH TRUST NETWORK

LOA0, LOA1 AND LOA1+

& FOREIGNERS WITH PASSPORT

TWO FACTOR AUTHENTICATIONFACIAL IMAGE WITH CONSENT (FOR BIOMETRIC SUPPORT)

KILL THE PASSWORDS

SISUIDWORKS NOW AND IN THE FUTUREONE DIGITAL ID FOR ALL SERVICESEASY ACCOUNT LINKING WITH SSN

OpenID CONNECT SUPPORT (SDK)

BUILT FOR MYDATA AND ETHICAL DATA USE

LOST DEVICE REVOCATIONFUTURE PROOF WITH CONSENTS, VERIFIABLE CLAIMS AND DATA ECONOMY

SISUID

NEW SLEEKAUTHENTICATION APP

SISUID

500 000 IDENTITIES REACHED FAST

IN PRODUCTION AFTER 3 MONTHS FROM ACHIEVING NECESSARY AMOUNT OF

CUSTOMERS

RICH FEATURE SETRELIABLE OPERATOR

SISUID EA PROGRAM PRICING (VAT0%)

• EA program Service Providers get are granted membership to the Co-op without an entrance fee• Estimated integration work for Service Providers

– 1-2md authentication integration– 5-10md account linking capability

• Support packages available. 15 000€ technical integration and 50k€ business support.

EA program price levels

Active users/a

Joining fee

Annual fee

1st year total PPU/month

Start-ups 1 000 2 000 € 2 500 € 4 500 € 0,38 €

SMEs 10 000 10 000 € 12 000 € 22 000 € 0,18 €

Corporate & Agency 30 000 25 000 € 30 000 € 55 000 € 0,15 €

Enterprise & Government 80 000 40 000 € 54 000 € 94 000 € 0,10 €

SISUID COMPARISON TO MULTI FACTOR AUTHENTICATION

• Registering 30 000 users reliably to use an MFA appProvider Users Registration License/month Annual cost Price / user / mo

MFA with commercial product (1€/user/month) 30 000 7 738 € 30 000 € 367 738 € 1,02 €

SisuID Early Access “Corporate” 30 000 55 000 € 0,15 €

SisuID Co-operative strong level authentication

(target)30 000 25 000 € 0,07 €

SISUID COST COMPARISON TO TRUST NETWORK• Using strong authentication from the Finnish Trust Network

Provider Users Cost / TX Authentications / mo. / user Annual cost Price / user /

month

Strong authentication with FTN proxy provider(tunnistuksenvälityspalvelu)

30 000 0,15 € 1 54 000 € 0,15 €

30 000 0,15 € 2 108 000 € 0,30 €

30 000 0,15 € 10 540 000 € 1,50 €

SisuID EA “Corporate” 30 000 0 € unlimited 55 000 € 0,15 €

SisuID Co-operative strong level authentication (target)

30 000 0 € unlimited 25 000 € 0,07 €

SISUID EARLY ACCESS COSTS FOR THE COMMUNITYITEM COST EURSetup 300 000 € Costs include VATOperations 240 000 € Costs include VATEnrollments 60 000 € Costs include VAT, varying figure per

amount of customers/usersTOTAL COSTS 600 000 €

Funding 150 000 € Organized by SoT membersGap to EA costs -450 000 €Minimum threshold to start EA program

230 000 € Backed up by SoT members’ individual investments of 220 000 €

SISUID Example in reaching the threshold:MINIMUM CUSTOMER AMOUNT TO START EA

Early Access program price levels

Active users/a Joining fee Annual fee PPU/month Amount of required

customers

Start-ups 1 000 2 000 € 2 500 € 0,38 € 1

SMEs 10 000 10 000 € 12 000 € 0,18 € 1

Corporate & Agency 30 000 25 000 € 30 000 € 0,15 € 2

Enterprise & Government 80 000 40 000 € 54 000 € 0,10 € 1

150 000 active users150 000 of registrations• 135 000 Finnish bank/mobile cert registrations• 15 000 passport registrations

TOTAL: 230 500 €

SISUID Example in reaching the threshold:MINIMUM CUSTOMER AMOUNT TO START EA

Early Access program price levels

Active users/a

Joining fee

Annual fee PPU/month Amount of required

customers

Start-ups 1 000 2 000 € 2 500 € 0,38 € 0

SMEs 10 000 10 000 € 12 000 € 0,18 € 3

Corporate & Agency 30 000 25 000 € 30 000 € 0,15 € 3

Enterprise & Government 80 000 40 000 € 54 000 € 0,10 € 0

120 000 active users120 000 of registrations• 108 000 Finnish bank/mobile cert registrations• 12 000 passport registrations

TOTAL: 231 000 €

SISUID COST OF EXTRA REGISTRATIONS SHARED COLLABORATIVELY

Max. price / extra registration0,010 € Start-ups0,030 € SMEs0,065 € Corporate & Agency0,100 € Enterprise & Government

For example; EA with 3 SMEs & 3 Corporate customers:

No additional active users, 100 000 extra registrations;• 90 000 Finnish bank/mobile cert registrations• 10 000 passport registrations

• Cost per one “SME” level customer: 3 000 €• Cost per one “Corporate” level customer: 6500 €

SISUID CUMULATIVE SAVINGS

• Early Access registration costs have been calculated by having a 1 to 1 match on total active user amount and registrations– I.e. 0% of the enrollment costs are shared among the joining customer

organizations

• When the same user uses multiple customer organization’s services, the registration cost can be shared– I.e. 20% of users are common among the joining customer organizations, 20% of

registration costs could be decreased

• For example, if all the joining customer organizations would be from the construction industry, the common user base could be even 90%– This can be used to decrease annual pricing for all

SISUID START-UP AND SCHEDULE

Early Access starts

Joining in the FinnishTrust Network

LOA1 & LOA1+

LOA2

Sandbox

EARLY ACCESS CUSTOMERS:

Co-op established

2021

2020

2019

SISUID JOIN NOW!

SOLVE YOUR AUTHENTICATION PROBLEMS

GET RID OF AUTHENTICATION TRANSACTIONCOSTS

UTILIZE COST EFFECTIVE ENROLLMENT

STEER THE DEVELOPMENT EARLY ON

SISUID CALL TO ACTION!

• GET THE EARLY ACCESS NOW! – Reach out to Joonatan, Pirkka or Sami

• BECOME A FOUNDING MEMBER OF THE CO-OPERATIVE!– Members get to steer the development, so ensure that your features are

being developed!– Founding members do not pay joining fee, but help to ensure that the Co-op

rules and legal aspects (both privacy and contracts) are finalized

Pirkka Frosti Joonatan SamiDLI Henriksson, Nixu Sinisalo, VG

SISUID

SETTING UP THE CO-OP

SISUID COMMUNITY DRIVEN – OPEN TO ANYONEFinassiala POP PankkiNets AktiaOP CSCPosti DNASignicat FinaviaSilta KeskoPHOY NordeaTampereen yliopisto OPHAsiakastieto PoliisiSolita / Palmu VeroSolteq YKETerveystalo

300+ people from 30+ organisations and private individuals signed up in 2019

15+ organisationswrote the rulebook for the new Authentication co-op

SISUID WHERE CO-OP PROGRESSED IN 2019?

• First version of the Rulebooks– http://www.sisuid.com/rulebook– Governace and Technical rulebooks available

• Decision of the co-op model as the legal entity– Produces SisuID service to market

• Co-op was left to wait for funding and productization

SISUID

SISUIDSecure and free digital identity for the global citizensTHE IDENTITY

CO-OPERATIVE

SISUID SISUID CO-OP OWNS THE IDENTITIES AND PRODUCES THE SERVICE

* SisuID is an open co-op to disrupt the Finnish market. Non-profit. Open for all. Owned by the members.

SISUID NEXT STEPS• Advance according to plan• Open call for everyone to become a founding member• Co-op will be put into motion as soon as Early Access program starts• Start-up with simple co-op model, which rules can be agreed per-need-basis

– Based on the community’s needs with guiding rulebooks as baseline– By joining the Early Access, organization will get a share and voting rights based on

their Early Access level• Founding workshops will be held to agree:

– Founding contract and co-op rules– Co-op excellence center Pellervo consulted– Legal company Borenius for example available to support

• Starts to produce SisuID service as soon as Co-op starts– Resposbilities and identities will be trasfered from the Early Access operator

SISUID

Please contact:Pirkka Frosti / Digital Living International Oypirkka.frosti (at) digitalliving.fiJoonatan Henriksson / Nixu Oyjjoonatan.henriksson (at) nixu.comSami Sinisalo / Vastuu Group Oysami.sinisalo (at ) vastuugroup.fiJussi Mäkinen / Teknologiateollisuus Ryjussi.makinen (at) teknologiateollisuus.fi