4 ms·
I don't believe a word. The three scenarios used to promote the benefits have some big stumbling blocks that can't be solved with simple credential storage. >
by dalke 4y ago
I don't believe a word. The three scenarios used to promote the benefits have some big stumbling blocks that can't be solved with simple credential storage.
> With the EU Digital ID wallet, the bank can request the necessary credentials from the applicant. He or she selects them, and in seconds they are verified by the bank. The process even includes an eSignature that signals the applicant’s agreement.
This seems a bit off.
As a US citizen living in Sweden, my bank also wants to know if a customer is a US citizen, because special regulations apply.
For the above scenario to work, the EU Digital ID wallet will have to store citizenship information, including potentially multiple citizenships.
Sweden recognizes the State of Palestine. Will the EU Digital ID wallet allow storing that information?
> The student can use her EU Digital ID wallet to access, for example, the diploma she gained in one country and have it accepted instantly in any other EU country.
That's ... also odd. That's not how it works now. A diploma in one country doesn't necessarily translate to something directly in another country. Quoting https://www.uhr.se/globalassets/_uhr.se/bedomning/informationsblad/uhr-infoblad-engelska.pdf https://www.uhr.se/globalassets/_uhr.se/bedomning/informatio... "A recognition statement is a document that shows what your qualification corresponds to in the Swedish education system. To prepare the statement, we review your education documents."
An app storing credentials isn't enough.
> With the EU Digital ID wallet, the person can provide trusted proof of age and nothing more.
Bars and nightclubs also gather names to help spot people who have been banned, and will also share a list of banned people with other bars. They also gather this information to spot VIP customers.
They are't going to want to give it up.
In practice it will be like a a go-away-cookie-banner button. The bar's system will ask for more information, people will press the "confirm" button w/o reading, and the bar will still get demographic information. Those few who do read and say "no" will not be allowed entry.
If preventing this sort of information leak is important, then make it illegal to collect more information than is needed to verify age, or restrict what can be done with that information.
> Billions of people regularly use mobile apps, so the process will be familiar to the vast majority of citizens and businesses.
An odd statement. The population of the EU is less than 1 billion, so this refers to the world-wide population. But world-wide, billions of people don't regularly use mobile apps.
A better statement would be the number of people in the EU who regularly use mobile phones. https://newzoo.com/insights/rankings/top-countries-by-smartphone-penetration-and-users https://newzoo.com/insights/rankings/top-countries-by-smartp... says for Italy that's about 75% penetration.
I assume that more direct comparison wasn't used to avoid talking about what to do for the people in the EU who don't have or don't want smartphones.
- realityking 4y ago> As a US citizen living in Sweden, my bank also wants to know if a customer is a US citizen, because special regulations apply. > For the above scenario to work, the EU Digital ID wallet will have to store citizenship information, including potentially multiple citizenships. You can’t proof a negative (absence of US citizenship). Today, your bank will ask you to sign an affirmation whether you hold US citizenship or not. I don’t expect anything to change about this in the future, you’ll just sign it digitally. However money laundry laws do require positive identification of the customer. Today, when opening a bank account digitally, this requires a video call where I’m ask to hold my ID card to my forehead. > That's not how it works now. A diploma in one country doesn't necessarily translate to something directly in another country. I agree the diploma use-case is rather less useful (how often do you need to present your academic credentials to anyone?) but there’s a difference between “I hold this German degree” and “my German degree is suffice to exercise licensed profession X in Sweden”. The digital wallet would only do the former.
- dalke 4y agoThe scenario was "With the EU Digital ID wallet, the bank can request the necessary credentials from the applicant. He or she selects them, and in seconds they are verified by the bank. The process even includes an eSignature that signals the applicant’s agreement." Where in the process would the applicant fill in the information that the bank needs, but which isn't on the wallet? I guess it's a multi-step process, where one step presents credentials and another is the form-filling, and a third is the agreement. Another way to ask my question is, what does "time-consuming and complicated" mean? Because there will still be time-consuming and complicated step even with this wallet. As I understand it, before these Know Your Customer rules came into place, I could have walked into a bank and open an account with simply a signature card - how do you beat that simplicity? > licensed profession X in Sweden The document I linked to was "to work or study in Sweden", which is the "I hold this German degree" scenario you described. The end of the document confirms that it's not concerning the "exercise licensed profession X in Sweden" - "Some professions are regulated in Sweden. This means that a special licence or authorisation is required to work in them. Contact the authority responsible for the regulated profession – for example, the Swedish National Agency for Education for teacher certification and the Swedish National Board of Health and Welfare for a licence to practice as a doctor or nurse."