[KI-LC] Telecon Reminder - Wed, Sept 23 at 15:00 UTC

Brett McDowell email at brettmcdowell.com
Wed Sep 23 07:05:35 PDT 2009

Another key point that Iain didn't highlight is that this first
scoping phase will actually produce a deliverable that has value on
it's own.  So even if we don't ever do the second phase, doing the
first phase has value by identifying what consumer research already
exists in this area, where are the holes, and who cares to know more
and what specifically those firms want to know about consumers that
they don't know today.  That's pretty powerful on its own.

FWIW, I support the proposal as I see it's value across many WG's and
Kantara activities... for only $5K with a partner ready to put in $4k

Brett McDowell | http://info.brettmcdowell.com | http://kantarainitiative.org

On Wed, Sep 23, 2009 at 9:53 AM, Bob Pinheiro <kantara at bobpinheiro.com> wrote:
> >From the viewpoint of the Consumer Identity WG, I would like to see this
> work also explore what kinds of incentives would be necessary in order for
> consumers to adopt stronger security measures (ie, stronger authentication)
> for access to online financial accounts and other high-value online
> services, as well as for making online payments using credit card numbers
> and other payment services.
> As an example, how might consumers react to policy changes by online service
> providers designed to stimulate greater usage of more secure login
> procedures?  Many financial service providers and payment services require
> only weak authentication (eg, passwords / challenge questions) for making
> online payments or accessing financial accounts.  Use of credit card numbers
> for making online payments requires only knowledge of the cc number,
> security code, and expiration date.  What if these service providers said
> something to consumers like: "Look, you can continue to access your
> financial or payment account using only a password or challenge questions if
> you wish.  But be advised that if your information is compromised and
> unauthorized persons access your account, we may not be able to cover any
> losses you incur.  In order to be fully protected, you must adopt one of
> these more secure methods for accessing your account."
> These other methods may involve OpenID or Information Cards coupled with two
> factor authentication, or other more secure login procedures than are
> currently in use.
> Insight into these issues would likely also benefit the ULX WG as well.
> Bob
> ---------------------------
> Bob Pinheiro
> Chair, Consumer Identity WG
> 908-654-1939
> kantara at bobpinheiro.com
> www.bobpinheiro.com
> Iain Henderson wrote:
> Trent, sorry but I now can't make the call today; so let me try and address
> the remaining query over the proposed 2009 funding request for scoping of a
> consumer market research project via e-mail.
> The remaining query that i'm aware of is from Ken Salzberg, as per below.
> 'In reading the proposal, there is one thing that stands out as a potential
> issue for me.
> In the Exec Summary the following statement is made:
> "The ultimate aim is to produce a statistically valid body or research
> available to
> consortia partners that will enable product/ service design for those
> wishing to deploy
> and engage with user-centric/ user-driven identities."
> In the Kanatara benefit section it states:
> "This project seeks to build and enable genuine thought leadership across
> technology,
> business model, regulatory and user experience in the digital identity
> realm."
> The issue I have is that I question the use of Kantara funds to drive
> development of member products and services, which does not seem appropriate
> to me. This could certainly be a side benefit, but not the direct purpose.
> I agree that the thought leadership is a worthy goal, but is a bit weak on
> its own.
> What I would like to see is something that shows how this research will help
> drive/market work being done in one or more WGs.'
> My perspective on that is as follows:
> - the funding request only relates to $5k in seed corn investment to kick
> start what will undoubtedly be a big and expensive research study (it has to
> be to genuinely get at real consumer needs in a statistically valid manner
> that can be modeled).
> - the second and third phases require additional investment, expected from
> organisations with large customer/ citizen bases who have an incentive in
> better understanding customer needs (i.e. it helps them build better
> products and services). They won't invest unless they are getting something
> back that is relevant to them.
> - combining the Kantara initiation and management of this study enables both
> a body of knowledge to be built and made available for the greater good, and
> also the development of better products and services that are the only thing
> that will close the current gap. Note i'd assume the terms of investment in
> stages 2 and 3 would be that the investors get early access to the results,
> but the overall body is published on an open basis.
> Also, to be clear; this is not a proposal aimed at only UDVPI issues; to
> date we have interest from the P3P, eGov and UMA groups. I don't expect that
> interest to firm up until the scoping work more clearly articulates the
> proposed research, but this is very definitely aimed at being a Kantara wide
> study and not just for one work group.
> Hope that helps.
> Regards
> Iain
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