2022-10-20 Human Experience WG Meeting

New Intro's - Richard Zbinden, Rigiblue, early stage start up bringing SSI to people. New at ToIP, 

Steve Magennis long-term ToIP member for long time, co-chair of EFWG

Pasi Sinervo - Finish Tax Administration, here for global context

Aamir Abdullah law practitioner, transitioning to teaching, ToIP member

SSI Harms paper - Overcoming Human Harm Challenges in Digital Identity Ecosystems, now ready for review.  .  Our intention is to be ready for Public Review 15^th November.  Please feel free to leave comments on the working doc here by Friday 11^th November:  

Summary

Digital transformation is rapidly changing financial services. Innovation is key, but though Financial Service Providers consider themselves innovative they are generally not perceived as such. One reason is that innovation is not just about introducing new technologies but very much about developing solutions that work in the human context. This is what Finthropology helps companies understand. We talk about what qualitative research has to offer and give examples from our own research in Brazil and Switzerland.

The speakers

Dr. Erin B. Taylor is an anthropologist and founder of Finthropology. She specializes in how people’s financial behaviour is changing along with innovation in financial services. She holds a PhD from the University of Sydney, Australia, and has carried out ethnographic research in the Caribbean, Africa and Europe. Erin is especially interested in how culture and group belonging influence people’s actions and decisions.

Dr. Anette Broløs is a fintech analyst based in Denmark. She is an experienced network leader working with strategic innovation and partnerships, and an experienced speaker and facilitator. She holds an industrial PhD in collaborative innovation and has a background in economics. Anette has extensive work experience in finance including consultant work on the implementation of PSD2 and six years as CEO of Copenhagen FinTech Innovation and Research.

Nicky Hickman  to add based on recording

curate comments & Questions

17:23:35 From  Judith Fleenor (Trust Over IP)  to  Everyone:
    What is Pix?
17:24:09 From  Neil Thomson  to  Everyone:
    https://www.bexs.com.br/blog/pix-for-business/?utm_source=google&utm_medium=cpc&utm_campaign=search_pix&gclid=Cj0KCQjw48OaBhDWARIsAMd966BZ4Qjy3ii55zZq0pWtTq2NoHCMaQDcqYQHkjE9rUfq5duHCFwPUgYaAv7UEALw_wcB
17:24:15 From  Anette Broløs  to  Everyone:
    Pix is a free and instant payment transfer available through your bank
17:35:31 From  Pasi Sinervo  to  Everyone:
    In Nordic countries one problem is that all services are online services and offices are hard to enter. Tech Mahindra and Union Bank of India have co-operation to open Bank Office in Metaverse. Younger are happy to use such a lounge, but what about those who are accustomed to personal service on desk. Would some of that group like Metaverse Office. If so you are not stuck to concrete difficulties to get into office.
17:46:48 From  Neil Thomson  to  Everyone:
    This suggests that financial dealings are heavily influenced by the "reputation" of the financial service provider, which can be culturally based.
17:47:06 From  Pasi Sinervo  to  Everyone:
    Interesting finding as mobile device is regarded more secure than laptop and the newest devices have enclave type security component, of course Apple has a reputation as very secure device
17:50:57 From  Benny Jung@SSI Korea  to  Everyone:
    I guess the inclusion is more important for 2G phone users or non-smartphone users who cannot get benefits under the existing financial system.
17:51:41 From  Judith Fleenor (Trust Over IP)  to  Everyone:
    @Pasi, you might like to bring your Metaverse thoughts to our AI and Metaverse Task Force.
17:52:14 From  Nicky Hickman  to  Everyone:
    Key insight for me: We consistently underestimate people and their capabilities, we make judgement calls on their knowledge, skills - missing out on a lot of talent and ingenuity
17:53:16 From  Neil Thomson  to  Everyone:
    Observation - if there is money to be saved or better ways to use money, the financial incentive spurs learning of new tech.
17:55:18 From  Nicky Hickman  to  Everyone:
    I think this social aspect of financial services is crucial, the bank = the person, reliance on friends & family & shared accounts - we need to think more about the group than we do currently in the world of digital ID
17:56:23 From  Judith Fleenor (Trust Over IP)  to  Everyone:
    Thank you for the presentation.  I need to drop to get to another meeting.  Appreciate your insights.
17:57:51 From  Neil Thomson  to  Everyone:
    If personal interaction is the preferred delivery for consumers of a service, then perhaps the primary "user" for financial (or other services) are those intermediary persons who consumers interact vs. (or in addition to) consumer UI.
18:01:09 From  Pasi Sinervo  to  Everyone:
    EUDIWallet consortium has as proposal digital identity for legal persons, because then it could be possible to confirm certain verifications at payment; like this bank is registered this bank has a license this bank has no tax debt and so on
18:02:08 From  Benny Jung@SSI Korea  to  Everyone:
    I know SSI doesn't support EUDI Wallet. Is it correct?
18:02:56 From  Pasi Sinervo  to  Everyone:
    EBSI complies with Hyperledger we are working with ACA-Py
18:03:11 From  Pasi Sinervo  to  Everyone:
    Esatus AG
18:03:15 From  Neil Thomson  to  Everyone:
    @Benny - There are steps in ToIP to get educated/involved on EUDI - came up a couple of weeks ago in another ToIP call.
18:04:48 From  Pasi Sinervo  to  Everyone:
    university certificate exchange on EBSI/eIDAS is built on Hyperledger
18:05:05 From  Benny Jung@SSI Korea  to  Everyone:
    ESSIF is pushing to EUDI?
18:05:57 From  Pasi Sinervo  to  Everyone:
    Thank You interesting research yes there is Spanish and Nordics ESSIF or what