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Agenda

Tensions in Wallet Provider Business Models - From an Ecosystem Perspective [Intermediate]

Tensions in Wallet Provider Business Models - From an Ecosystem Perspective [Intermediate]

Combined Session
Thursday, May 21, 2026 11:00—11:20
Location: B 05
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What will be a viable and sustainable business model for digital wallet providers? The EU DIW ecosystem lays out the requirements for digital wallets (and wallet providers), but does not detail their business models. Non-eIDAS wallet providers are running business models in various other ecosystems, and some wallets are embedded in ecosystems. Will the business model of the eIDAS wallet provider be similar, what are the differences? 
This presentation builds on academic research on the tensions in business models for digital wallet providers. 
The presentation will highlight the ecosystems that are mentioned and their role, where the EU DIW digital identity ecosystem (from eIDAS, ARF and CIRs) is distinct from other (data exchange) ecosystems.

Henk Marsman
Independent Researcher & Principal Consultant
Delft University of Technology
Henk Marsman is both independent researcher as well as principal consultant at SonicBee. Having spend over 20 years in cybersecurity and specifically identity and access management he still advises...
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