By

Andrew Tobin
Authored in collaboration with Jo Spencer of 460degrees.   The financial world is grappling with requirements to be more controlled (regulated), and yet more flexible to the real-time 24/7 expectations of customers. Responding traditionally is just creating more technical and operational complexity and cost. Banks need to break the cycles of change and increasing complexity,...
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As the digital revolution took hold, billions of dollars and countless hours were spent by organizations around the world creating user databases. After a while, these organizations realised that they had many databases in many different departments, all containing details of the same users. So they spent billions of dollars and countless hours trying to...
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Today’s digital identity is idiotic. Compared to physical paper documents or credentials, our digital identities are forgettable, restrictive, and borderline useless. For all intents and purposes, when we go online “we the people” become meaningless identifiers, assigned for someone else’s convenience. With today’s digital identity, your data is locked in some organisation’s silo. All you...
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