Blog by John Tolbert

Blog
PSD2 RTS Final Draft: The good and the not-so-good
by John Tolbert
The European Banking Authority released the final draft of the Regulatory Technical Specifications for PSD2 this week.  It contains several improvements and clarifications, but there are still a few areas that fall short of industry expectations. After the release of the initial drafts, EBA received a multitude of comments and discussion from many organizations and software vendors.  One of the top concerns was on the mandate for Strong Customer Authentication (SCA), which was defined traditionally as something you have, something you know, or something you are. ...
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The Importance of Consent Management: CIAM vs. GDPR
by John Tolbert
Consumer identity and access management solutions are bringing value to the organizations which implement them, in terms of higher numbers of successful registrations, customer profiling, authentication variety, identity analytics, and marketing insights.  Many companies with deployed CIAM solutions are increasing revenue and brand loyalty.  Consumers themselves have better experiences interacting with companies that have mature CIAM technologies.  CIAM is a rapidly growing market segment. CIAM systems typically collect (or at least attempt to collect) the following...
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Consumer Identity Summit 2016 - Summary
by John Tolbert
KuppingerCole just concluded our first Consumer Identity Summit in Paris.  In fact, this was the first Consumer focused digital identity event of its kind.  The event was very well attended, and featured excellent expert speakers from all across the globe.  The popularity of the event and enthusiasm for dialogue among attendees demonstrates the need for treating Consumer Identity differently than traditional Enterprise Identity.  The technology has been evolving significantly, to meet rapidly changing business requirements and encompass newly developed technologies....
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GlobalPlatform Conference Review
by John Tolbert
GlobalPlatform recently held their annual conference in Santa Clara, California. GlobalPlatform is an international standards organization that defines specifications for the Trusted Execution Environment (TEE), or the secure virtual operating system within the OSes of mobile devices. It also specifies requirements for Secure Elements (SE), the protected storage components within mobile devices. Used together, Trusted Apps run inside the TEE, protected from rogue apps and malware. Trusted Apps control access to data stored in SE. The use of TEE also protects confidentiality and integrity...
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