official launch luxtrust & infocert partnership€¦ · agenda 18:00 introduction 18:10 why a...
TRANSCRIPT
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OFFICIAL LAUNCH LUXTRUST & INFOCERT PARTNERSHIP
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AGENDA
18:00 Introduction
18:10 Why a European Digital Trust Champion
18:20 The Digital Transformation in Financial Services
18:50 Leveraging our combined strengths
19:20 Digital transformation in Europe
19:50 Closing remarks
20:00 Walking dinner
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WELCOME
SERGE ALLEGREZZAPRESIDENT OF LUXTRUST BOARD
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A WORLD IN CONSTANT EVOLUTIONAnd so has been LuxTrust
2005
15% of world populationon internet
1 https://www.internetworldstats.com/emarketing.htm.
1
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A WORLD IN CONSTANT EVOLUTIONAnd so has been LuxTrust
2009
25% of world populationon internet
PSD1
1 https://www.internetworldstats.com/emarketing.htm.
1
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A WORLD IN CONSTANT EVOLUTIONAnd so has been LuxTrust
2016
50%of world populationon internet
1 https://www.internetworldstats.com/emarketing.htm.
1
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A WORLD IN CONSTANT EVOLUTIONAnd so has been LuxTrust
55% of world populationon internet
PSD2
GDPR8,8% of total retailspending
2018
1 https://www.internetworldstats.com/emarketing.htm.
1
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WHY A EUROPEAN DIGITAL TRUST CHAMPION?
PIER ANDREA CHEVALLARDCEO, TINEXTA
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Tinexta was established in 2009 by Tecno Holding,owned by the major Italian Chambers of Commerce.
In 2014 the Company had its Initial Public Offering(“IPO”) on the AIM market and in 2016 the listingmoved to the STAR segment of the MTA market(Milan) operated by Borsa Italiana.
The Group operates through 3 Business Units:
1. Digital Trust
2. Credit Information and Management
3. Innovation and Marketing Services
TINEXTA SPA
2018 PREL IMINARY RESULTS
REVENUES
€ ~238 m
EBITDA
€ ~63 m
NFP/EBITDA
1.9 x
LISTED ON MILANBOURSE SINCE
2014
EMPLOYEES
~1,300
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TINEXTA: EVOLUTION OF KEY FINANCIALS
Employees (#) 334 658 689 < 900 > 1,150
€ m
Revenue
EBITDA
20132
651
101
2014
77
11
2015
126
25
2016
147
29
2017
181
41
~ 1,300
2018
Of which:Digital TrustRevenues: € ~95 mEBITDA: € ~25 m
~ 63
1 In 2013 Digital Trust Revenue amounted to € 32 m and EBITDA of € 7 m. 2 2013 numbers are Italian GAAP. All subsequent years are IAS/IFRS.
11
~ 238
+32%
+55%
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EU COVERAGE THROUGH LOCAL CHAMPIONS
1 The European Regulation No. 910/2014 (electronic IDentification And trust Services).2 Source: Statistics MRC (https://www.reuters.com/brandfeatures/venture‐capital/article?id=5640).
Unified legal base: eIDAS1
Access to all EU countries with the same solutions and legal framework
Concentration processThe market is evolving towards a scenario with a lower number of players and a
larger average size
Growing market
The market in 2022 is expected to equal € 3 billion
30% CAGR from 20182
12
Italy / East. Europe –InfoCert
Iberian Peninsula–Camerfirma
Central Europe –LuxTrust
DACH Area –Next priority
SCANDINAVIA –Next priority
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13
WHY CONSTRUCT A EUROPEAN CHAMPION
The European Union is leading the way to define higher standards of Digital Trust, which will haveautomatic, significant benefits for all stakeholders; Citizens, Customers Companies and PublicAdministrations. All recent EU regulations [e‐IDAS, GDPR, AML5 PSD2] are leading the drivetowards the building of Trust on digital transactions and treatment of sensitive information.
In this scenario the creation of a European Champion will aid the pursuit of these goals by ensuringthe most efficient and coherent application of the rules across Europe:
• Permit the aggregation of companies, most easily accomplished with common institutionalroots
• Operate under common European regulations, which create common market,
• All data center facilities to be located in Europe, with the highest cyber security assurancespossible.
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DIGITAL TRANSFORMATION IN FINANCIAL SERVICES
AURÉLIE L’HOSTISSENIOR ANALYST, FORRESTER
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2019: The Year Digital Transformation Goes PragmaticAurélie L’Hostis, Senior AnalystDigital Business Strategy
February 26, 2019
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We work with business and technology leaders to develop customer-obsessed strategies that drive growth.
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We have entered the Age of the Customer
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Empowered customers are causing a seismic economic and market shift
Source: Forrester Research
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Customers Regulations Technology
What are the catalysts of change in financial services?
Cyberthreat
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Willingness to experiment
Digital/physical integration
InformationsavvinessDevice usage
Self-efficacy
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New experiences are resetting customers’ expectations.
Source: Starwood Hotels & Resorts.
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New players are responding to changing customer expectations
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Regulatory changes are altering the financial services landscape in Europe
Source: Forrester Research. Brief: Turn PSD2 From A Burden Into A Catalyst report; eid.as website.
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Digital technologies drive speed and scale
More connected systems
Rentable, Internet-based
infrastructure
Accessible software
programming tools
Higher bandwidths
Automation technologies
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Relentless cyberattacks threaten the economic stability on which most financial firms thrive
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To compete, financial services firms must become digital businesses
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Bolt-on Transform Disrupt
We’ve identified three key stages of digital maturity
Disrupt experiences
Disrupt businesses
Disrupt industries
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Customer-obsession drives a complete business transformation
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Brilliant digital customer experience requires digital operations
Source: Forrester Research. Digital Rewrites The Rules Of Business report.
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Financial institutions vary in their digital strategies
Source: Forrester Research. “The State Of Digital Banking, 2018” report.
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Phase I: 2011-2014Improve digital CX
Phase II: 2014-2017Transform journeys
end-to-end
Phase III: 2018-2020Tackle scope &
technology
Source: Forrester Research. “Case Study: Lloyds Banking Group Transforms Through 10 Customer Journeys” report.
Lloyds has entered the third phase of transformation
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Some incumbents stand out as consistently innovative
Source: Forrester Research
Americas Europe Asia-Pacific
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2019 will be a tough year
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In 2019, financial services firms shift their focus to operational efficiency
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Financial services firms are applying promising emerging technologies to overlooked areas
Anti-money-laundering
Identity verification
Claims processing
Liquidity management
Compliance & risk
monitoringKnowledge
management
Source: Forrester Research. ”Predictions 2019: Financial Services” report.
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FS firms invest in RPA and AI in search of greater operational efficiency
Base: 2,879 global financial services, data, and analytics decision makersSource: Forrester Analytics Global Business Technographics Data And Analytics Survey, 2018
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Financial services firms are enhancing security without compromising convenience
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BBVA onboards new customers with a low friction, mobile-only customer journey
Source: BBVA mobile app
BBVA onboards new customers by letting them take a picture of their ID and a selfie, and making a video call.
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ANZ offers Voice ID to add an extra layer of security for transactions
Source: ANZ website
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In 2019, we expect to see less of this…
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…and more of this.
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Summary1. Empowered customers have given rise to a new era – the Age of the
Customer.
2. New players are responding to changing customer expectations and altering the competitive landscape of finance.
3. Regulatory changes are altering the financial services landscape in Europe.
4. To be able to respond to all this uncertainty, firms must embark on end-to-end transformation and advance their digital maturity.
5. Financial firms focus on operational efficiency as they prepare for a downturn.
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FORRESTER.COM
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Aurélie L’Hostis+44 (0)20 7323 [email protected]@AurelieLHostis
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LEVERAGING OURCOMBINED STRENGHTS
PASCAL ROGIESTCEO, LUXTRUST
DANILO CATTANEOCEO, INFOCERT
ALFONSO CARCASONACEO, CAMERFIRMA
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TOGETHEREVERYONE ACHIEVES MORE
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LUXTRUST OVERVIEWEuropean coverage and flexible go‐to‐market approach
3Offices
80Employees
90+€ MLNTurnover in 2018
€1
Filed Patents1
Office60+
Employees10 MLNTurnover
1Patent
€
LUXEMBOURG200K
CONNECTIONS PER DAY
600kDIGITAL IDENTITIES
NATIONAL ECOSYSTEM
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LUXTRUST OVERVIEWEuropean coverage and flexible go‐to‐market approach
LUXEMBOURGBRUSSELS
PARIS
3Offices
80Employees
90+€ MLNTurnover in 2018
€1
Filed Patents3
Offices80+
Employees10 MLNTurnover
1Patent
€
600K 200KCONNECTIONS PER DAY
700kDIGITAL IDENTITIES
NATIONAL ECOSYSTEM
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INFOCERT OVERVIEWEuropean coverage and flexible go‐to‐market approach
3Offices
80Employees
90+€ MLNTurnover in 2018
€1
Filed Patents4
Offices400
Employees70 MLNTurnover
17Patents
€
PADUAMILAN
ROME
LONDON
InfoCert’s Revenues Trend ‐M€
32 41 47 5270
2012 2013 2014 2015 2016 2017
79
2018
Revenues CAGR: 21%EBITDA CAGR: 24%
Est.
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INFOCERT NUMBERSEuropean coverage and flexible go‐to‐market approach
Just in 2018
17 Countries with enterprise customers +2k Enterprise customers
1.6M Retail customers +750M Preserved Documents
+150M Digital Signatures +350M eDelivery Messages
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CAMERFIRMA OVERVIEWEuropean coverage and flexible go‐to‐market approach
3Offices
80Employees
90+€ MLNTurnover in 2018
€3
Offices40
Employees4
LATAM Markets Coverage
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COMBINED OVERVIEWEuropean coverage and flexible go‐to‐market approach
BRUSSELS
PARIS PADUAMILAN
MADRIDROME
LONDONLUXEMBOURG
BRUSSELS
PARIS
3Offices
80Employees
90+€ MLNTurnover in 2018
€1
Filed Patents10
Offices500+
Employees90 MLNTurnover
18Patents
€
We are now together the first European QualifiedTrust Service Provider.
We leverage on our combined expertise and marketexperience of local regulations to provide citizens andorganizations with a full breadth of products andservices enabling a fully trusted digital world.
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DIGITIZING THE ENTIRE DIGITAL CUSTOMER JOURNEYTrusted solution for seamless digital end‐to‐end processes
TRUSTED ELECTRONIC IDENTITY
IDENTIFICATIONVerifying the identity of a user to
create an electronic identity
AUTHENTICATIONEnsuring and confirming a user’s
identity to access to an online service
ELECTRONIC SIGNATURE
Ensuring integrity, origin and collecting signer’s consent for a
transaction
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DIGITIZING THE ENTIRE DIGITAL CUSTOMER JOURNEYTrusted solution for seamless digital end‐to‐end processes
IDENTIFICATIONVerifying the identity of a user to
create an electronic identity
AUTHENTICATIONEnsuring and confirming a user’s
identity to access to an online service
ELECTRONIC SIGNATURE
Ensuring integrity, origin and collecting signer’s consent for a
transaction
TRUSTED ECOSYSTEM
Allowing someone to use or enjoy something that one
possesses
NOTIFICATIONTransmitting data between parties providing evidence related to the
handling of the transmitted data in a very secure fashion
ARCHIVEDigitally storing any document
TRUSTED ELECTRONIC IDENTITY
SSLSecuring online exchanges
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BUILDING UP INDUSTRY EXPERTISETrusted solution for seamless digital end‐to‐end processes
Banking InsurancePublic Administration
Consumer credit
Telco Utilities
Manufacturing
This is a non‐exhaustive list of companies using one or several services of LuxTrust and/or InfoCert.
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CRITICAL MASS
FINANCIAL RESOURCES
MULTI‐COUNTRY SOURCINGCROSS BORDER DELIVERY
1
2
3
4
INSTITUTIONAL ROOTS5
BEST PRACTICE ANDSOLUTION SHARING
EUROPEAN TRUSTLOCAL COMPLIANCE
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DIGITAL TRANSFORMATION OF EUROPE
KONSTANTINOS KAPSOUROPOULOSPOLICY OFFICER, DG CONNECT, EUROPEAN COMMISSION
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Costas Kapsouropoulos
DG CONNECT
European Commission
Unit H4 "eGovernment & Trust"
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Trust in a digital society
• Building trust in the online environment is key to economic and social development
• Lack of trust, in particular because of a perceived lack of legal certainty, makes consumers, businesses and public authorities hesitate to carry out transactions electronically and to adopt new services
• Main obstacles to the virtuous cycle of the digital economy identified by the Digital Agenda for Europe• Fragmentation• Lack of interoperability• Rise in cybercrime
• eID and trust services provide a common foundation for secure electronic interaction
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eIDAS: boosting trust & supporting businesses!
eIDAS
Strengthen EU Single Market by boosting TRUST and CONVENIENCE in secure and seamless cross‐border electronic transactions
Provide a consistent set of rules throughout the EU
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eIDAS – The Regulation in a nutshell
2 MAIN CHAPTERS SUBJECT TO DIFFERENT RULES AND REQUIREMENTS
Chapter II
Mutual recognition ofe‐identification means
Chapter III
Electronic trust services
Chapter IV
Electronic Documents
17.09.2014Entry into force of the eIDASRegulation
29.09.2015Voluntary cross‐border recognition
29.09.2018Mandatory cross‐ border recognitioneID
eSignature Directive rules
1.07.2016Date of application of eIDAS rules for trust servicesTrust
Services
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eIDAS: Key principles for eID
*The Regulation does not impose the use of eID
Sovereignty of MS to use or introduce means for eID
Mandatory cross‐border recognition only to access public services
Principle of reciprocity relying on defined levels of assurance
Interoperability framework
Cooperation between Member States
Full autonomy for private sector
eID
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eID schemes notified
• PT has notified• UK - opinion on peer-review• CZ, IT and NL - peer-review• LV – has pre-notified
Notified eID schemes
Country Publication
Germany 26 Sept 2017
Italy 10 Sept 2018
Spain 7 Nov 2018
Luxembourg 7 Nov 2018
Estonia 7 Nov 2018
Croatia 7 Nov 2018
Belgium 27 Dec 2018
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eIDAS – Trust services
Horizontal principles
Electronic signatures, including validation and preservation services
Electronic seals, including validation and preservation services
Time stamping Electronic registered delivery service Website authentication
Liability International aspects Supervision Security requirements Data protection
Trusted lists Qualified services Prior authorisation EU trust mark
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Trust services providers in EuropeAll trust services providers - 268
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Trust services providers in EuropeActive qualified trust service providers only - 170
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Trust services providers in EuropeActive qualified trust service providers only
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AMLD5 – Directive (EU) 2018/843Published on OJEU on 19/06/2018
Payment Service Directive 2 – Directive (EU) 2015/2366 Commission Delegated Regulation (EU) 2018/389 – Regulatory Technical Standards for Strong Customer Authentication
Once‐Only Principle cross‐borderEU Regulation on Single Digital Gateway agreed on 24/05/2018
Digital on‐boarding and portability of KYCEC Expert Group on eID and remote KYC (2nd meeting held on 10 July 2018) – jointly managed by CNECT, JUST and FISMA
Company law Proposal to amend the Directive (EU) 2017/1132 adopted by EC on 25/04/2018 as regards the use of digital tools and processes in company law
Tackling online disinformation / Fighting fake newsCOM(2018) 236 final adopted on 26/04/2018
GDPR complianceData minimisation; use of trusted attributes, credentials and entitlements (such as age verification, proof of residence, etc.)
Audiovisual Media Service Directive Protection of minors / Age verification and parental consent…
Where eIDAS plays a role
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CEF Building Blocks
Top Down
EU Law
eInvoicingDirective
Bottom Up
MS Large Scale PilotsLarge Scale Pilots (PEPPOL, STORK, etc.)
IDENTIFY with
eIDSIGN with
eSignatureEXCHANGE with
eDeliveryTRANSLATE with
eTranslationINVOICE with
eInvoicing
eIDASRegulation
The building blocks of the Connecting Europe Facility promote the adoption of the same open standards and technical specifications, by the different sectors of the Union, for the most basic & common functionalities of any sectorial project/ platform.
These core commonalities will enable interoperability across borders and sectors.
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CORE SERVICE PLATFORMServices offered by the European Commission
DIGITAL SERVICE INFRASTRUCTURES (DSIs)
What does CEF Digital finance?
Funding for theEUROPEAN COMMISSION
Funding for theMEMBER STATES
eJustice Portal
EU Open Data Portal
BUILDING BLOCKS
GRANTSProjects in the Member States
SECTORIAL
…
eInvoicing eSignature
eDelivery eID
eTranslation e Archiving
Building block DSIs provide basic functionality and are reusable by sector‐specific DSIs
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Grant Funding available !
Supported by the Connecting Europe Facility (CEF), the Call for Proposals (CEF‐TC‐2019‐1) provides grant funding of up to €5 million to support the adoption of eID and eSignature in Europe.
https://ec.europa.eu/inea/en/connecting‐europe‐facility/cef‐telecom/apply‐funding/2019‐eid
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Supporting eIDAS adoption
eIDAS study on pilots for replication of multipliers: supporting the uptake of eIDASservices by SMEs, SMART 2016/0084
https://ec.europa.eu/digital‐single‐market/en/eidas‐smes
https://ec.europa.eu/digital‐single‐market/en/learn‐about‐eidas
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What's next
• Factors driving the evolution of electronic identity and trust services• Globalisation and connected society• Increasing demand for frictionless experiences• Increasing concerns about use of personal data• Increasing crowded and fragmented digital identity market• Growing dependency between public and private sectors• Increasing cybersecurity risks• Rise of exponential technology: cloud, DLT, IoT, AI, social media
• Trends• Mobile first• Biometrics: multimodal and behavioural• Analytics enabling real‐time and continuous authentication• Blurring lines between the physical and the digital world – identity of things• Citizen‐controlled data• Changing identity ecosystem
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What's next
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What’s next
Digital Europe Programme
• Aiming at the digital transformation of Europe’s society and economy
• One fully dedicated programme in the EU budget reflecting the ever‐increasing relevance of digital
• Main pillars of Digital Europe (overall budget €9.2 billion): • High Performance Computing (€2.7 billion)• Artificial intelligence (€2.5 billion)• Cybersecurity and trust (€2 billion)• Digital Skills (€0,7 billion)• Digital Transformation and interoperability (€1.3 billion)
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For further information and feedback
Web page on eIDAShttp://ec.europa.eu/digital-agenda/en/trust-services-and-eid
eIDAS Observatoryhttps://ec.europa.eu/futurium/en/eidas-observatory
Text of eIDAS Regulation in all languageshttp://europa.eu/!ux73KG
Connecting Europe Facility –Catalogue of Building Blockshttps://ec.europa.eu/cefdigital
eIDAS twitter account@eID_EU
Costas KapsouropoulosDG CONNECT, European CommissionUnit "eGovernment & Trust"[email protected]
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CLOSING
PASCAL ROGIESTCEO, LUXTRUST
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THANK YOU
CONTACT US:
[email protected] | www.luxtrust.com | phone: +352 26 815 ‐ 113‐15 Parc D’activités, L‐8308, Capellen, LUXEMBOURG