David G.W. Birch Appointed Honorary President of EEMA

EEMA has announced that David G.W. Birch has been appointed as Honorary President of EEMA,  sharing the role alongside the creator of the Seven Laws of Identity,  Kim Cameron.

Ranked one of the top 100 global fintech influencers for 2021, David G.W. Birch holds board and advisory roles in Europe and North America, including being a member of the governing council of the Centre for the Study of Financial Innovation. He is a Forbes contributor and Financial World columnist, as well as being recognised as one of the top ten most influential voices in banking by Financial Brand.

David has made a huge contribution to EEMA in the five years since joining its Board of Management. He has represented EEMA around the world as a distinguished speaker and highly-respected author, advisor and commentator on digital financial services and digital identity. He has written three books: Identity is the New Money (2014), Before Babylon, Beyond Bitcoin (2017) and last year published his latest book  The Currency Cold War—Cash and Cryptography, Hash Rates and Hegemony, which explores  the world of digital currency and considers the implications for the future of money.

He joins the inaugural Honorary President of EEMA and a recipient of the its Lifetime Achievement Award, Kim Cameron. Based in Canada, Kim is the CIO of Convergence Technology and the former Chief Architect of Identity at Microsoft. His seminal paper The Laws of Identity was published in 2005 and is still being discussed 15-years on.

“I am honoured to accept this prestigious position given to me by EEMA, especially alongside Kim Cameron, whose pioneering ideas around digital identity were a significant inspiration to my own work in the field ” comments David G.W. Birch. Recently, Dave and Kim participated together during EEMA’s first virtual ISSE conference to debate ‘Why digital identity doesn’t yet exist?’ with an international audience of EEMA members.

Chair of EEMA, Jon Shamah, comments: “The EEMA Board of Management and Executive Office are proud of the long association and friendship with two of the most well recognised, respected and affable figures in the world of identity. David and Kim both go above and beyond to support EEMA initiatives and so many of our members have benefits from their generosity of time and words of wisdom.”

Digital Identity Expert Steve Pannifer Joins EEMA Board of Management

EEMA has announced the appointment of Steve Pannifer  – Chief Operations Officer at Consult Hyperion – to  its Board of Management. A well-respected expert in the field of digital identity, he has worked on leading initiatives for card schemes, banks and governments around the world.

Steve Pannifer joined Consult Hyperion in 1999, a company that is highly regarded for its expertise in the areas of digital identity, payments and smart ticketing. “Through my work at Consult Hyperion I am fortunate to be involved in many interesting developments around the world, especially in identity and payments,” comments Pannifer. “My hope is that this will enable me to bring ideas and connections that will help to shape and guide EEMA’s future activities.”

Pannifer has been part of the EEMA community for many years, including collaborating on the Horizon 2020 project, FutureTrust, as an advisory board member. Recently, he has chaired panel sessions with ENISA and EEMA Board of Management members – Kim Cameron and Dave Birch – during the EEMA Annual Conference in June 2020, and EEMA’s ISSE 2020 webinar ‘The European Single Identity System’ in November 2020.

He adds: “EEMA presents a fantastic way to connect into the many digital identity and related developments across Europe and beyond. The combination of conferences, fireside sessions and projects is unique. As well as meeting people EEMA offers the chance to work with those people on forward looking projects.”

Chair of EEMA, Jon Shamah, comments on the appointment: “I am delighted to welcome Steve to the EEMA Board of Management. He is very well respected in the field of digital identity and has long been a generous contributor to our community, sharing his wealth of experience and expertise.”

Steve  joins EEMA’s strong Board, whose members are world class experts in their fields and together form a strong, knowledgeable and vibrant body. The EEMA Board of Management are:

  • Kim Cameron, Contributor and Advisor on Digital Identity
  • Jon Shamah, EJ Consultants
  • Rick Chandler, Advanced Office Systems
  • Lorraine Spector, LS Consultants
  • Dave Birch, Global Author and Advisor on Digital Financial Services
  • Ronny Bjones, Microsoft
  • Robert Garskamp, IDentity.Next
  • Steve Glagow, DeveloperProgram.Com
  • Alessandro Guarino, StAG
  • Hugo Kerschot, IS-practice
  • Arkadiy Kremer, RANS
  • Arthur Leijtens, FLIGHTMAP.com
  • Herbert Leitold, A-SIT
  • Ulf Linnarsson, Volvo Group
  • Prof Bart Preneel, KU Leuven
  • John Erik Setsaas, Signicat AS
  • Dr George Sharkov, European Software Institute
  • Hans Graux, Timelex
  • Steve Pannifer, Consult Hyperion

NEWS: As Businesses Reopen Physical Locations, New TransUnion Research Shows Fraudsters Decrease Online Schemes Against Companies

TransUnion’s latest quarterly analysis of global online fraud trends found that fraudsters are decreasing their schemes against businesses, but increasing COVID-19 focused scams against consumers online.

TransUnion came to its conclusions about fraud against businesses based on intelligence from billions of transactions and more than 40,000 websites and apps contained in its fraud prevention solution, IDVision® with iovation®. It found the percentage of suspected fraudulent digital transactions against businesses worldwide decreased 9% from the beginning of the pandemic (“phase 1,” 11th March – 18th May) to when businesses began reopening (“phase 2,” 19th May – 25th July). In contrast, TransUnion’s Consumer Financial Hardship surveys found consumers targeted by digital COVID-19 schemes increased 10% from the early days of the pandemic (week of 13th April) to more recently (week of 27th July).

“With the rush for businesses to go digital as many were forced to go completely online

Shai Cohen Business

Shai Cohen, Senior Vice President of Global Fraud Solutions at TransUnion

almost overnight, fraudsters tried to take advantage,” said Shai Cohen, Senior Vice President of Global Fraud Solutions at TransUnion. “They were most likely unsuccessful in their attempts and took their scams elsewhere as those businesses ramped up their digital fraud prevention solutions while providing a friction-right consumer experience. Conversely with consumers, fraudsters are increasingly using COVID-19 to prey on those persons who are facing mounting financial pressures.”

In contrast to the recent suspected fraud decrease against businesses, when comparing phase 1 (11th March – 18th May) to right before the pandemic (1st Jan  – 10th March), there was a 6% rise in suspected digital fraud against businesses. When comparing digital transactions pre-pandemic to during the pandemic (11th March – 25th July), suspected fraud against businesses remained relatively flat, increasing 1%.

Examining Fraud Types and Their Impact on Industries

TransUnion analysed the below industries for a change in the percent of suspected fraud against them, comparing the periods of 11th March – 18th May and 19th May 25th July.

Suspected Fraud Post-Pandemic Declaration

Industry Suspected fraud change Top type of fraud Top country for suspected fraud origination
Travel & Leisure 47% Credit card Bangladesh
Logistics 27% Shipping Egypt
Insurance 8% Ghost broking Bangladesh
Communities (online dating, forums, etc.) -1% Profile misrepresentation Saint Martin
Gambling -1% Promotion abuse Gambia
Gaming -3% Gold farming Grenada
Retail -10% Promotion abuse Tajikistan
Financial Services -13% Identity theft Syria
Healthcare -18% Identity theft Finland
Telecommunications -60% Credit card Syria

“It appears fraudsters assume travel & leisure companies are scrutinising transactions less in order to capture more revenue as the pandemic continues to severely negatively impact their business,” said Melissa Gaddis, senior director of customer success, Global Fraud Solutions at TransUnion. “Another interesting note is that telecommunications, e-commerce and financial services companies – all industries that have fared relatively well during the pandemic – were targeted with the most digital fraud early in the pandemic but are now among the least targeted. This shows us that fraudsters initially targeted the hottest industries with the most money to be had early in the pandemic in order to hide behind the rush of transactions but have now made an obvious shift.”

Globally across industries, TransUnion found the countries with the highest percentage of suspected fraudulent transactions were: 1) Kazakhstan, 2) Greece and 3) Cyprus. In the U.S. overall, TransUnion found the cities with the highest percent of suspected fraudulent transactions were: 1) Livonia, Mich. 2) Akron, Ohio and 3) Jackson, Miss.

Consumers Targeted By COVID-19 Schemes

To better understand the impacts of COVID-19 on consumers, TransUnion surveyed 8,265 adults in Canada, Colombia, Hong Kong, South Africa the U.K. and the U.S. the week of 27th July. More than three out of 10 respondents (32%) said they had been targeted by digital fraud related to COVID-19, with Gen Z (age 18-25) being the most targeted at 36%. Among consumers reporting being targeted with digital COVID-19 schemes globally, the top pandemic-themed scam is phishing with 27% saying they were hit with it. Despite the survey showing Baby Boomers were the generation least targeted with Digital COVID-19 scams, among consumers reporting being targeted they were the age group saying they faced the highest percentage of COVID-19 themed phishing scams.


“Phishing shows fraudsters aren’t after a quick hit, but rather looking for the long haul,” said Gaddis. “Once a fraudster steals consumer credentials, the wave of disruption they can cause with a stolen or synthetic identity is endless from compromising multiple online accounts to significantly impacting credit scores.”

Consumers can learn how to protect themselves from fraud and identity theft with the TransUnion Fraud Victim Bill of Rights.

TransUnion will discuss the findings in a webinar with Aite Group, Fiserv and Ping Identity on 15th September.


NEWS: Assured Clarity Advises Every Organisation to Press the GDPR Reset Button

Assured Clarity Advises Every Organisation to Press the GDPR Reset Button

Assured Clarity – a consultancy, specialising in risk management, cyber security and data privacy – is today advising every organisation to press the General Data Protection Regulation (GDPR) reset button, as a result of fundamental changes to workplace and practices arising from the response to Covid-19. The Allowlist preferred supplier has outlined a four point plan to help organisations ensure they are not exposing their business to even greater and unnecessary risk through non-compliance, as remote working becomes the ‘new norm’.

Managing Director of Assured Clarity, Carolyn Harrison, states: “The rush to implement

Carolyn Harrison - Assured Clarity

Managing Director of Assured Clarity, Carolyn Harrison

and adjust to new ways of working, functioning at reduced capacity and still remain operational, has resulted in data protection taking a back seat.” Carolyn adds: “This is understandable, as business owners have needed to prioritise survival. However, there is a very real danger that a consequence of pivoting working practices – such as the introduction of cloud-based systems and remote-working – so quickly is that it exposes organisations and the wider supply chains within which they operate to suffer a data breach as well as regulatory risk.

“There is an urgent need to hit the GDPR reset button and focus on the core principles of data protection,” continues Carolyn. “This doesn’t mean starting from square one but taking a very close look at what has changed in the organisations processes, technology and people, (there are many new recruits, having an onboarding process via conference call).  These are all potentially elements impacting compliance as well as exposing organisations to a higher risk of a data breach.  The increase in cyber threats has been widely reported and taking appropriate corrective action now we consider a must.” To support organisations, Assured Clarity has outlined a four-point plan to help businesses take the right course of action.

  1. Refresh policies and procedures and update records of processing.
  2. Provide education and training in relation to new technologies and ways of working that have been introduced.
  3. Document evidence that organisational and technical controls are in place and are tested.
  4. Re-evaluate the supply chain to validate the compliance credentials of contractors and other third-party suppliers.

“It isn’t just commercial organisations that are grappling with how the new normal is impacting data protection and privacy. The UK government was scrutinised for its compliance with GDPR during the development of its Track and Trace programmme,” concludes Carolyn.  “We are all accountable and in the same way we have adapted how we live and work, so we must adapt how we safeguard personal data and privacy.”

Assured Clarity is registered as an Allowlist preferred supplier, offering cost-effective practical advice and the application of best practice, in achieving and maintaining compliance with data protection and other relevant compliance regulation.

NEWS: Prove Acquires Mobile Authentication Lines of Business from Early Warning Services

Prove (formerly Payfone), the platform for continuous identity authentication, has  announced the acquisition of mobile authentication lines of business from Early Warning Services, LLC, a consortium owned by seven of the country’s largest banks. The acquisition includes Early Warning’s mobile authentication business, Early Warning’s multi-factor authentication and orchestration solutions, and the Authentify® line of business.

Prove and Early Warning have partnered since 2013 to deliver authentication solutions to the U.S. financial services industry. With this transaction, Prove has assumed direct support for the customers sourced through this partnership, bringing the total number of top 10 U.S. banks served directly by Prove to seven. Geoff Miller, former SVP of Global Fraud and Identity Solutions at TransUnion, and former Payfone board member, has joined Prove as SVP and General Manager of the newly acquired multi-factor authentication business.

“When you are trusted and relied upon by the world’s leading financial institutions, other industries notice and want the same protections for their customers,” said Rodger Desai, CEO of Prove. “This acquisition will further accelerate our rapid growth and penetration into financial institutions around the globe, positioning Prove as the global standard for customer identity and authentication.”

Prove’s cloud solutions and mobile intelligence-driven APIs can be easily orchestrated to increase Approve Rates to 90%+, enabling companies to authenticate customer identities accurately, effortlessly and privately, while preventing fraud caused by false positives. Prove serves the financial, healthcare, insurance, retail, technology, and telecommunications industries with solutions that are available in 195 countries.