September 16 marks ID Day, drawing attention to the fact that identity is a fundamental right. eID offers significant benefits to society, yet many individuals, for various reasons, remain excluded. The EU regulation, eIDAS, presents new opportunities to reduce digital exclusion.
eID provides citizens with a secure way to identify themselves, whether for accessing online banking, public services, or signing contracts. It makes it easy and safe to use a range of services without the need for physical presence.
A robust and secure identification process fosters trust between parties in digital transactions. eID enhances security for both individuals and organizations, whether it's for financial transactions or sharing sensitive data.
Overall, eID contributes to a safer digital environment by ensuring authentication, reducing identity theft and fraud, and increasing trust in digital services and transactions.
Some are Left Behind
Today, September 16, is ID Day, intended to emphasize that identity is a fundamental right. The date is chosen in reference to UNSDG 16.9, part of the UN Sustainable Development Goals, which focus on peace, justice, and strong institutions. Target 16.9 aims to provide legal identity for all, including birth registration, by 2030.
In Norway, we have a well-functioning birth registration system, something we often take for granted. However, we still face challenges with digital exclusion. Many individuals, due to social, economic, or medical reasons, are left out. Currently, banks act as “gatekeepers,” deciding who can and cannot obtain BankID.
This may lead to digital exclusion, as more and more services require login with BankID. Critical services, such as Helsenorge, require the user to have BankID to access sensitive information about themselves.
A Digital ID Wallet for All
Under the new EU regulation eIDAS, which is set to be implemented by November 2026, governments will be responsible for issuing a digital identity wallet to all residents, businesses, and others connected to the country. The issuance can be done by private entities if there is no discrimination or exclusion. In other words, eIDAS enforces a requirement for inclusion.
This digital identity wallet will allow individuals like you and me to authenticate ourselves, electronically sign documents, and control what personal information we share with whom. At the same time, eIDAS states that the use of this digital identity wallet is voluntary, and that alternatives must be available. A state-issued eID could strengthen accessibility by ensuring equal issuance conditions for everyone.
eID enhances both security and accessibility within society. With new regulations on the horizon, I encourage all businesses to consider the requirements placed on users of their services and ensure that everyone is included.
With over 25 years’ experience in digital identity, John Erik Setsaas is a pioneer in this space. He has deep knowledge in the areas of digital onboarding, authentication, electronic signatures and seals, time stamping and digital identity wallet.
He is a prolific speaker at fintech industry events around the world.