Digital ID Opportunity Zones 2026

Chapters

• 0:22 — Webinar introduction and agenda

• 6:30 — Digital identity scheme categories

• 8:25 — Identity verification methods

• 9:48 — Green-zone digital identity markets

• 17:09 — Yellow-zone markets and caveats

• 37:09 — Red-zone adoption barriers

• 45:01 — UK digital identity market

• 50:43 — EU digital identity wallet outlook

Full Transcript

Transcript lightly edited for clarity.

Zack Jones: Welcome, everybody. We are going to give it a few minutes to let everybody join the webinar here, so we'll get started, you know, a few minutes after the hour. If you need to get water, take a quick break or anything, feel free to do that, and then we'll jump into it. In the meantime, Zoe, what's going on? Where's the Trinsic team going to be over the next few weeks here? It's a busy kind of travel season for a lot of folks.

Zoe Olavarrieta: Yeah, I know that we're finishing up Safeguard right now. I think today is the last day, so we have Riley and Nick there. I'm trying to think. I think you're going somewhere in Europe soon.

Zack Jones: Yeah, yeah, I'm going to the European Identity and Cloud Conference, which is in Berlin, Germany, in a couple weeks. Not next week, but the week after that. So that's a big, a lot of focus on European digital ID wallets ahead of kind of the end of 2026 deadline for member states to launch wallets. So that'll be good. And then I think after that's Money20/20, which Nick and I will be at.

Zoe Olavarrieta: Money20/20 in Amsterdam, right?

Zack Jones: Yes, in Amsterdam.

Zoe Olavarrieta: And then Identity Week in the same place a couple days later.

Zack Jones: Yeah, in the RAI in Amsterdam as well. So yeah, I'll be at Identity Week, and then I think Identiverse is in there in Las Vegas at some point. So we're going to be jumping around the next few weeks for sure.

Zoe Olavarrieta: All over the place, yeah.

Zack Jones: And then I think it quiets down a little bit as you get to the end of June and July. In August, I think there are a couple, like, mobile driver's license-related showcase events happening in the U.S. I think one on each coast. There's one in California and one in, like, D.C., Virginia area that are happening in June-July time period, but those are smaller kind of one-day events that we'll probably have one person attend just to kind of, like, showcase mobile driver's license use cases.

Zoe Olavarrieta: Cool. So if anyone's going to these events, please let us know.

Zack Jones: Yeah, let us know where you will be.

Zoe Olavarrieta: Or if there's one we should be looking at that we aren't.

Zack Jones: Yeah. Yeah, we're constantly kind of tracking what's going on. I know there, yeah, the Marketplace Risk is next week. I don't think we're going to that this year.

Zoe Olavarrieta: No.

Zack Jones: There is a virtual European Digital Identity Wallet, like, hackathon that's hosted by the Germany EUDI team that we're going to attend virtually, I think the first week of June. That's more of a technical kind of hackathon-style event, but yeah. Anyway, so it's going to be a busy couple months. A lot of good meetings, insight gathering, learning what's happening in the world, which I think kind of takes us into the webinar. So kind of the goal of today's webinar is to highlight some of the specific, like, countries and geographies that we view as strong opportunity zones for adopting digital ID. And this really came out of the question from a lot of our, like, customers and partners. That, you know, look at the Trinsic coverage and say, this is great, but, like, how do we wrap our heads around, like, where do we get started? Like, what are the best places to start, you know, accepting digital IDs? So that is kind of the impetus for this content that we've made. We originally published this last year as an e-book and did a webinar.

Zack Jones: We've gone through and, like, updated that, so we've added some new countries. We've reclassified certain countries as things have shifted over the last 12 months or so. Yeah, and today we will take you through the updates, and then also Ben will share the content afterwards, both, I think, the slides or, like, a PDF report, basically, so you have that take-home, and then the recording from the session. Just last, like, kind of housekeeping things, since we do have the Zoom webinar set up to do the Q&A. So if you have questions throughout the webinar, you can drop them in the Q&A, and then we will basically probably answer all of them at the end, unless it's, like, a really quick thing to add on, like, in the flow of the rest of the slides. But essentially, like, you know, we'll answer it, and you'll kind of see it pop up like this one that says the EIC is May 19th to 22nd, you know, for example. So, yeah. Great. So last thing, and then I'll hand it over to you, Zoe. Just as a quick introduction, I'm Zack Jones.

Zack Jones: I lead the product partnerships at Trinsic, so I work with the identity providers in our network to kind of get them integrated into the Trinsic platform and, like, useful for all of our clients and partners. Yeah, so Zoe, I'll hand it over to you to kind of introduce yourself and get into the content.

Zoe Olavarrieta: All right, and my name is Zoe. I know I meet with most of you, but I lead customer success here at Trinsic. And so when all of you say, Hey, I want to register with... X provider, I'm the one who helps you all through the registration process and helps you go live. So for me, I'm going to start off with just some housekeeping, just to make sure we're all kind of speaking the same language. So as we go through these different geographies, we're going to kind of put them into these sort of three buckets. So just to make sure we're kind of all on the same page. So number one, we have eIDs. These are issued by governments and tied directly to official identity records. So in practice, this means the user is either, like, logging into a government app like California DMV Wallet, they're entering an ID number that's checked against a national database, think like DigiLocker, Aadhaar, or using a physical ID with a digital chip, think like Japan My Number.

Zoe Olavarrieta: So because these are backed by governments, these tend to offer the highest level of assurance, but the user experience and availability vary a lot by country. Next, sorry, my dog decided to play in this moment. We have private sector reusable identities. These are identity networks built by private companies like Clear or Yoti. So a user verifies themselves once, often with a biometric and a document, and then they can reuse that identity across multiple services. And then lastly, we have bank IDs. So these use a bank account to prove identity. So the user selects their bank, they log in or approve the request through their banking app directly, so like Check BankID or BankID Sweden. And since banks already verify identity during onboarding, this provides a very strong trusted signal with a familiar UX for users. So these categories matter a lot because they sort of determine kind of what the user actually has to do, how strong the identity signal is, and how widely adopted the method is in each market. So we'll reference this as we go through each region. Each region.

Zoe Olavarrieta: And then the next piece that I want to walk through as well is just how we're actually identifying in practice. So there's sort of three verification types that we'll walk through as well. Number one is presentation. So the user shares the digital credential directly, typically by being redirected into an app or scanning a QR code, for example. So this feels like, you know, open your wallet and approve. So it's very straightforward and usually has very high trust. So we have Google Wallet and MitID as examples. Next, we have the enrichment. This is typically with an ID number. So the user enters an identifier like a national ID or a tax number, and the system pulls the verified data from a trusted source. So from the user's perspective, it's just entering a number, but behind the scenes, it's querying a government database. And optional, you can add a selfie or a biometric top, usually on top of this flow. And then lastly, we have the match. The user enters some data like a name, date of birth, ID number, and an optional biometric, which is matched against a government database.

Zoe Olavarrieta: And this provides a high assurance signal while staying compliant due to some countries having restrictions on sharing data overseas, but allowing match flows. So in many markets, these are combined, and I'll make sure to point out kind of where these appear in each geography. So with that, we're going to start off with our green zones. And so these are the geographies that we highly recommend you all sort of start with for a multitude of reasons. And we are going to start with the Netherlands. So the Netherlands has two primary digital ID schemes, and they serve different purposes. So DigiD is used for accessing government services and has over 10 million users, but it's limited to public sector use cases. So for private sector verification, iDIN is the primary option. It's a bank-based digital ID available to roughly 14 million users and is very widely accepted across banking, insurance, telecoms, e-commerce, and gambling. And it meets eIDAS substantial. It offers a very familiar UX through their online banking credentials and does not require a local legal entity.

Zoe Olavarrieta: It just requires GDPR compliance. So it's one of the easier markets for international companies to enter. And we will also be supporting a third option in the Netherlands soon, called Digidentity, and that is a reusable private sector ID and can be another option depending on the use case. Next, we will go to Denmark. So Denmark's MitID has a 98% adoption rate among citizens over 15, so it's effectively universal. And it supports up to LOA high under eIDAS and covers financial services, e-commerce, and telecom. Verification is done via push notification or QR code, so the user experience is very fast. And international companies do need an EU legal entity and a valid reason for verification, but within those parameters, it's a very reliable market. So the EU legal entity is required, but if you do have that, it's pretty easy to access afterwards. And you can see here the experience. Essentially, they input their user ID, and then they consent via the app, and then from there they just approve. So just a quick look at the MitID user experience.

Zoe Olavarrieta: And moving on to our next geography, so we have the Baltics. So the Baltics have some of the most mature digital ID infrastructure in the world. Smart ID alone covers 75% of the adults across the three countries, and that doesn't include schemes like Mobile ID in Estonia or the one in Latvia that I quite literally cannot pronounce. And all of these support up to LOA high. So users here are used to completing digital verification. They have the apps, they know the flows, and all three governments actively support private sector adoption, which makes this an extremely low-friction place to start and something that I recommend very often. Moving on to Brazil. So Brazil CPF number is required for most transactions in the country, so adoption is essentially universal, and the private sector already uses it as sort of a baseline. And the digital CNH, which is Brazil's digital driver's license, has over 60 million users and is gaining fast as a verification tool for banking, telecom, and retail.

Zoe Olavarrieta: Assurance can be increased by adding a biometric matching against government databases, and the regulatory environment is very manageable. So privacy and consent rules exist, but they're not unusually burdensome. So also a very popular place to start and a very easy flow for the user. Moving on to India. So this is a popular one that we discuss very often, but Aadhaar covers 95% of India's very large population, about 1.3 billion people. Through DigiLocker, users share a verified e-Aadhaar using a PIN and a one-time passcode, with an optional biometric for regulatory use cases. It's used broadly in the private sector for eKYC and age verification. The whole flow takes about a minute or less, and the main requirement for international companies is data localization. Some use cases also require local data processing, which means working with a partner that has infrastructure in India. Moving on to Korea. So Korea's digital identity runs through its telecom carriers. So real name verification is legally required at SIM registration, so the identity data is reliable by law.

Zoe Olavarrieta: Coverage is about 90% of the adult population, so just under 40 million people. Telco-based verification is accepted across banks, fintech, insurance, and e-commerce. And the UX is very simple. So users input personal data that gets confirmed against the carrier. Korea does have strict data processing and consent requirements, so international companies typically need a local partner to stake a plan, and that's where we come in. Now we have Nigeria. So Nigeria's NIN has been enrolled by over 120 million people and is expanding under government mandate. So verification can include fingerprint and facial biometric matching against the government database. NIN is already required for SIM registration and is growing as a verification mechanism for non-financial services. So the private sector integration is still developing, but the government backing is very strong and the trajectory is clear, which is why we are recommending it now. And now we are going to end the green zone with Italy, my favorite. So Italy's SPID system has 41 million users, but 83% of the relevant population.

Zoe Olavarrieta: It covers LOA low, substantial, and high under eIDAS. Private businesses can verify SPID, but registering directly as a service provider involves significant technical and legal overhead. So certified aggregators like us at Trinsic, we handle that complexity, including the spreadsheets that are literally in Italian, and that's how most international companies access the scheme. So users select their identity provider from a list of accredited options and complete the verification in that specific app. And you can see the flow right here. You have all the providers under SPID, so they select that, and they actually log into the app specifically to consent and share their data. So with that, I'm going to hand it over to Zack. I'm going to stop the screen share really quickly, and Zack will move on to the yellow zones.

Zack Jones: Okay, I think my screen share is working here. And yeah, so the yellow zones, the way we defined these categories, green means go, like definitely deploy there, minimal barriers, like high adoption, good user experience. Yellow is like, you know, you should still proceed, but there may be like a few caveats or other factors that you should take into consideration first. Or maybe the market is like a little bit more complex, and there's a few different digital IDs that are different types with varying adoption levels and interaction models. And that's kind of the case for the U.S. So, you know, mobile driver's license in the U.S. is a big kind of push right now, but the adoption is not super high quite yet. So there are about like 20 states issuing mobile driver's licenses. There are currently 17 different mobile driver's license applications between Google, Apple, and Samsung. state-specific wallets like California DMV and LA Wallet. So there's a lot of fragmentation there, which Trinsic helps to simplify.

Zack Jones: And then there are also private sector players like CLEAR, which has a network of about 40 million verified users. So there, you know, there's still a lot of opportunity in the U.S. You just have to be ready for a little bit of that, like, variation between, like, the government-issued mobile driver's license, private sector networks like CLEAR, and others that are growing in adoption in the U.S. Generally, like, the user experience is, like, very good and strong here. And, for example, like, the way that Google Wallet and other, some other mDL verifications work is that you get kind of a native, like, a pop-up that shows up and kind of gives the user the opportunity to see what data is being shared with who, and then consent to sharing that data. One other dynamic worth mentioning in the U.S., which is common in some other countries now too, is this idea of, like, an ID pass, which is actually like a derived passport credential that both Google and Apple support right now. Apple just supports it in the U.S. Google supports it in the U.S., U.K., and now Brazil, Singapore, and Taiwan.

Zack Jones: So this is another—it's not a government-issued credential, but it is derived from the, like, an NFC scan of the passport chip. So it is still very high trust, and it sits inside, you know, Google or Apple Wallet alongside your mobile driver's license or other. passes in there. France is an interesting market because they have kind of emerged as a leader in the EU digital ID wallet space as of recently because of a lot of kind of public collaboration opportunities, so like interoperability events, sandbox testing. But again, there's a little bit of complexity here because France Identité is an existing mobile application that has about 4 million users and can currently be used in production to sign in and access government services. But it's also going to become the, like, certified EU digital ID wallet in France. But those protocols have not merged into the production app, so they have a whole sandbox testing environment for the France Identité sandbox app, which Trinsic supports.

Zack Jones: So you can demonstrate utilizing, like, the European digital ID wallet protocols for verification using the France Identité sandbox. So we're kind of, we're excited about what's happening and developing in France. The other thing worth mentioning is that one of the other, like, widespread kind of digital IDs that is currently being used for government services and private services, L'Identité Numérique, which again, probably not pronounced perfectly, but that is another scheme that Trinsic supports. It has about 8.5 million users and, like, a good user experience reaches level of assurance substantial and is kind of friendly to private sector integration currently. So. Overview in France. Also, kind of in the Europe economic area here, Sweden and Norway are both very well known for basically ubiquitous bank IDs that are adopted by pretty much the whole population. And the reason why, like maybe this is surprising that we would categorize this as yellow, because the adoption rate is so high and the user experience is very good as well. The challenge, there's a couple challenges.

Zack Jones: One is related to this idea of identity switching. So there are pretty heavy restrictions in these markets related to like what you can do with like an account or a profile once you're using, you know, BankID for like login or authentication. So there are some like limitations that you can't, you cannot like use a BankID login to then derive trust and create like another form of like trusted profile that doesn't then use the BankID to authenticate going forward because they charge per authentication. So there is a little bit of complexity there to navigate. For BankID Norway specifically, you do need a Norwegian bank account in order to be able to integrate that. So that obviously makes it a bit less accessible to like the international market, which is who Trinsic caters to generally. A lot of our clients have, they may have multiple entities, but, you know, Norway is not usually like the first country where, you know, an entity would be opened if you're, you know, in five different countries or something. So good, but With a couple caveats there. User experience is great, though.

Zack Jones: So, you know, if you have the BankID app and you're logging in somewhere on your computer, you'll see a QR code. You'll scan that with the application, put in your PIN, or do like a biometric, and then, you know, consent to share your data there. So very smooth, seamless. People are accustomed to it. Singapore, we also put yellow here because of, again, kind of like regulatory complexity requiring a Singapore local entity. The adoption rate is very high, you know, high 90% used daily. Basically, you know, from people that we talked to that live in Singapore, like you really can't do anything without SingPass. So everybody has it, everybody knows how to use it, and it supports a wide varietys of level of assurance and data sets. So anywhere from kind of like financial data to like core identity data, other forms of, you know, information that could fulfill different use cases.

Zack Jones: The challenge here is that you do need a local entity in Singapore, and then you need, in order to onboard and be able to accept the digital ID, you need a director who has SingPass themselves, who is able to, you know, go to the developer portal for SingPass, sign in with their SingPass, or technically their, like, CorpPass, which says that they are authorized to act on behalf of a corporate entity in Singapore. And then from there, it's actually quite straightforward in terms of filling in use case details, inputting some redirect URLs, and then kind of demonstrating an integration in the staging environment before you get permission to go to production. But again, it's a little bit more involved. It's not something that, like, Trinsic can just resell to all of our clients because it does require some of the individual registration steps, which we have guides related to. So yeah. Okay. Indonesia.

Zack Jones: So Indonesia market is interesting because the kind of the prevalent form of digital ID here is driven by this, like, a comprehensive biometric database that different players in the market will utilize for powering, like, a matching flow from a compliance perspective. So what we power here is essentially an experience where a user can put in, like, name, date of birth, NIK number, which is a national ID number, and then optionally include, like, a biometric or a selfie that will be checked against the Dukcapil database or the source of truth there. So there are a few kind of compliance considerations here, but generally having the matching flow allows this to be useful for international companies, regardless of if you have an entity in Indonesia or in the neighboring countries. And the user experience here can be completely kind of, you know, white label, like you can have your own form, you can use a Trinsic-hosted form, you can include a biometric, you can don't have to include a biometric. This is kind of just a funny little demo that I took the other day.

Zack Jones: It's just, you know, there's a form where you're inputting some data, there's a selfie capture, which either our clients can do, we can do, it doesn't quite matter as long as the image and the data gets passed into the API. We can then validate that against the source of truth and give you back a matching score so you know that that person's data and selfie, like, matches what's on file with the authoritative government source. UAE is kind of falls into a similar bucket as SingPass, honestly. So very widespread digital ID ecosystem, easily, you know, good user experience used by a large percentage of the population, but again requires a local entity and a local director who has the digital ID to log into a developer portal and, like, request access. So that kind of convention. is actually fairly common across a number of geographies, and you can understand why it exists for, like, local companies.

Zack Jones: But if you're obviously an international platform company and you're onboarding users from the UAE or users from Singapore, and you don't have a corporate entity there, it presents challenges. So if you have the entity and you have kind of the director who's willing to go through that process, it's not all that challenging. You're kind of clicking some buttons in a portal, and then we can help you figure out, you know, what needs to be submitted, and we can link up all the technical wiring there. So it's not a huge lift, but it does require oftentimes, you know, a check-in with the compliance team or finding the right officer who's able to act on behalf of the entity. So, yeah. Japan is quite different and quite a unique digital ID landscape because the primary form of digital ID verification is based on the My Number card, which is kind of an, you know, an NFC-enabled, like, chip card that's combined with a PIN and then used in combination with a number of smartphone apps depending on your operating system. There's not really a common, like, reusable, like, digital-only ID.

Zack Jones: So generally, like, each time you're presenting your My Number card, you need to go back to an application and do the NFC scan. That user experience is not our favorite user experience because, you know, when we think about supporting digital IDs, kind of like the gold standard of what we want to support is like that Apple Pay-like experience where you don't need your wallet. You could just do it on your phone. You don't need another document. You know, maybe you're out somewhere, you're sitting on the couch, you're in transit. Needing to kind of balance, like finding your ID card and opening the app and doing that is not ideal, which is why part of the reason we have it classified in yellow here. Adoption is very high, though. Like, you know, almost all adults have a My Number card that is enabled with this functionality. But again, it's not maybe the best user experience. The one note here is that in the Apple Wallet, you can actually digitize your My Number card and then present it purely through, like a, you know, online protocol, like the digital credentials API or something.

Zack Jones: The adoption of that's, like, quite low at this time. iOS adoption in Japan is pretty high, like 60 or 70 percent, but the adoption of the digital My Number card is still, I think, just in, like, the single millions, like millions of people, which would be, you know, less than 10 percent of the population. So you can't rely on that if you want to accommodate, like, you know, a large group. Poland is also a very interesting market here because there are a number of different digital ID ecosystems active or digital ID schemes that are active at the same time. The two most prominent would be mObywatel and mojeID. mObywatel is like a government eID application that will kind of become their EU digital ID wallet, although there will, as of last week, they announced there will temporarily be two separate applications. There will be the existing mObywatel application and then a new one that incorporates the EUDI protocols, and then they will eventually merge. A lot of complexity there that, you know, we could spend a whole webinar on.

Zack Jones: And then mojeID Poland is actually a bank ID, so that is, you know, overseen by a consortium of participating banks. mojeID has a higher adoption rate than mObywatel right now, but they're quite restrictive in what use cases are allowed because of the nature of the banking consortium. They need to approve the use cases, and then generally bank IDs are a bit more conservative in the types of relying parties and service providers that they allow to integrate. So things that may be competitive to the banks themselves are not generally encouraged. And then things that are maybe from, like, fringe industries, even if they are legal, are maybe discouraged or not allowed. So things like crypto or adult content or something may be legal, but not, you know, kind of sanctioned by the banking consortium. So complication is that mojeID is a bit selective in the service providers that they allow. mObywatel is the government app. Adoption is a bit lower, but in order to integrate that directly, you need a Polish entity.

Zack Jones: Same pattern as SingPass and UAE Pass: Polish entity, director with a Polish eID to log in and request access on your behalf. What we have done kind of in this geography is worked with a local compliance partner in Poland who is powering a match flow. So essentially, similar to what we showed in Indonesia, where you could enter some data about the user, but instead of just taking a selfie and, like, submitting that and checking against a database, we actually launch the full, like, authenticated mObywatel flow. So user data is entered. User goes through the MOB Watsell flow to consent to share their data with the local compliance partner, and then we get back a matching scoring, kind of share that downstream to get like a government-verified identity that's authenticated to a high degree while remaining compliant. So again, that's why it's yellow. Adoption is pretty high, but there are some complexities you need to navigate. Philippines, somebody I think just dropped this in the chat, so here is the answer.

Zack Jones: Philippines has high digital ID kind of registration is maybe the right way to put it. So a high percentage of the population is registered with PhilSys, which is the biometric database. Digital ID adoption is a little bit harder to measure because there's a few different ways that a user can interact and, like, verify themselves. So one of the ways is kind of like a PhilSys, like biometric match, where you provide some, again, some user data in a form, and then PhilSys actually does their own, like, liveness and biometric match to confirm the user's identity. And that's a rare case where, like, the government is actually the one doing the liveness, and you can't bring your own, like, liveness and selfie technology. But then you get, again, you get back the data from the form, and then you get back the confirmation that the user, you know, the user picture matches, like, what's on the government source. So that method is, like, fairly prevalent in the Philippines.

Zack Jones: The other method that is worth mentioning is that there is a, like, a verifiable QR code on the physical IDs that you can then, that we can verify against the PhilSys source as well. So. If the user submits that QR code, we can make sure that it, you know, hasn't been tampered with, hasn't been. revoked, and provide, like, a real-time, you know, verification, as well as, like, the verified data that is contained within that with the proof that, you know, it hasn't been altered. So that is, those are kind of like the two primary interaction mechanisms. One is, like, form and liveness. The other one is the QR code. The QR code is also present on a digital native ID that can be held in, like, an app as well. So the user could, like, take a picture of the QR code from one of the physical IDs, or they could upload it from the app, basically, into the verification flow. So it's the Philippines. Okay, I think we're doing, like, pretty good on time here, so we'll have some time for Q&A after this. I think there are just a few in red here.

Zack Jones: The red zone's tough, obviously, because you don't want to discourage, you know, digital ID adoption in these places. But these are just places that maybe have more distinct challenges or, like, large kind of regulatory burden, not great adoption, not great user experience, or some combination of all of those. I think in Germany right now, kind of the high trust... Way of verifying yourself requires a, you know, physical eID card and then some mobile application or SDK that can read that. Part of the challenge is that it requires a PIN that was issued by the government that a lot of people don't know. And if you don't know your PIN, it's hard to reset it or get a new PIN. Thus, the digital ID adoption is quite low. Like, you know, it's somewhere in like the 20% or something, maybe 30% now of people that have actually used the digital ID. You know, there are maybe things that are improving slightly or growing slightly, but there's a lot of work to support a user experience that's not very good and not very well adopted. So this is challenging.

Zack Jones: Hopefully this gets better with the EU digital ID wallets. Germany is also kind of leading the charge on, you know, creating sandbox environments and participating in the interoperability events there, and we'll be involved in some of those things, which you'll see more about probably in the next week or two. So anyways, that's kind of the current read on Germany, but hopefully it improves a lot soon. Canada, we also hope, like, changes very soon, but the way that it currently kind of sits is that there are—there's historically been a lot of push towards digital ID, and things like the BC Wallet were kind of one of the first, like, verifiable credential-based digital wallets that could, you know, hold a citizen's identity that was issued by a government body. Due to some, like, user experience challenges or constraints, the adoption of that was, like, quite low, and thus, like, the relying party usage and kind of user value was fairly low.

Zack Jones: Interac is a bank-based ID, very similar to bank IDs in other geographies, which has a great opportunity to become a very prominent digital ID and is widely used in, like, certain use cases throughout Canada. When we're evaluating these, we're evaluating them through the lens of, like, international platform companies. So if you are a Canadian company, this doesn't quite apply because you might have an easier path to adopt this. But if you are not a Canadian company, it's quite challenging to, you know, integrate with Interac as an ID method. Also, being a bank ID, there are kind of restrictions around, like, what types of use cases are allowed to integrate. Again, hopefully these things kind of open up and, like, become easier over time. Spain is also traditionally kind of a challenging digital ID market. There's— Physical ID card that a lot of people have. The physical ID card, there maybe could, like, read that, you know, the chip on that card. But, and then there's also Clave, which is like a digitally native ID, but is primarily almost exclusively used for government services.

Zack Jones: So you have kind of a physical ID and then like a government auth service. And then you also have some, like, new digital ID applications that have launched within the last, like, few months called, like, MiDNI, which is another kind of digital wallet to hold documents, but it's only for in-person presentation of credentials. So if you're stopped by, like, a police officer, you could use that app to present your driving license. But there's currently no support for remote verification protocols there. So you can't present that to, like, onboard to a gaming company or prove your age online or anything like that. So a lot of potential here. There's, like, there's adoption of these apps and schemes, but the usability in the private sector for online use cases is very limited at the moment. Ethiopia is a very interesting market and shares some of the same kind of traits as the other markets that are a bit more challenging. You have a fairly prominent digital ID program called Fayda, and that is like basically a, you know, biometric database.

Zack Jones: There's an authentication layer on top of that where the user can put their ID number in and then do a one-time passcode with the associated mobile phone number. So this was modeled after, like, India's digital ID system and how Aadhaar worked kind of before DigiLocker, where it was primarily, you know, there wasn't a UI as much that DigiLocker enforces, but it was more so ID number and one-time passcode type of authentication. That's kind of how Fayda works right now. The user experience is actually pretty good, and, like, people are fairly familiar with it. But the challenge is that the private sector usability is still kind of a work in progress. So onboarding as a relying party or a service provider is quite cumbersome. As an international company, you can access, like, a very, very limited data set, and then in order to access the full data set, you need to be incorporated in Ethiopia and kind of get permission from the government, and that process is challenging. So that is why this is, yeah, classified as such. Again, hopefully it changes soon.

Zack Jones: And yeah, that kind of wraps up the, like, the overview of the different opportunity zones here. So maybe I'll welcome Zoe back on the stage, and then we will open things back up to Q&A. I think there were a couple in there, so I need to find the Q&A section. But yeah, if there were countries that we didn't mention here that you're curious about, feel free to drop those in, and, like, we'll, you know, we'll do our best to kind of speak to those real time, or we can kind of make some notes and follow up after the call. There are obviously a lot of countries in the world, so we can't quite put the ball in the slideshow here. So we highlighted some of the ones that felt like, you know, most relevant or very frequently asked about or key markets for a lot of people. But again, if there are places where you're operating or looking at, we are pretty up to date with what's going on in a lot of geographies and happy to kind of inform. So I will stop the share and then just kind of take a look into the Q&A. Looks like we have a question about any insights on the UK market. Awesome.

Zack Jones: Okay, any insights on the UK market? This is an interesting one. There's a couple questions on this one, so I think we can—can you answer live both of them at the same time so you can see both the questions? So UK market, there are—there's a trust framework in the UK that dictates... That private sector identity companies can get, like, accredited against, you know, audited against and accredited for. Within that trust framework, there's a number of roles related to, like, what types of verifications you can provide, and then also related to, like, digital ID issuance. So my understanding of the market was that, you know, maybe a year ago or two years ago, within the trust framework, a lot of the private sector companies, you know, were registering there to be, like, trusted digital IDs or reusable IDs under the framework. And at that time, there was no real conception of, like, a government-issued digital ID. So the private sector was governed by this framework, audited against the framework, and then, you know, could bring their reusable IDs to market.

Zack Jones: And those would have some sort of legal footing as well, which I think is still in progress and moving forward. But, for example, like, you could use your Yoti ID to prove that you're over 21 at a supermarket or something. I don't know specifically where that is from a legislative point of view, but I know that that is kind of, that was, like, one of the overarching goals and still is. About a year ago, maybe a little bit more, the government announced the Gov.UK Wallet, which is an existing mobile application that was promised to start issuing standards-based credentials like a digital driver's license and, you know, veteran benefits card. The mobile driver's license is supposed to be issued at the end of 2025. That hasn't happened yet. It's, you know, may happen soon. Don't quite know. But the fact that the government said we're going to issue our own credential.

Zack Jones: Challenges the private sector's role in that market, because if the government's issuing a government-backed, government-signed, free identity credential, the value of the private sector credential, you know, maybe comparatively, the relying party may choose the government credential. The way that they accommodated that is by saying that, well, you can actually only verify the government-issued credential if you're registered against the trust framework. Okay, great. So that's good. That makes sense. That kind of maybe keeps both sides happy, maybe. Then you had the announcement, I don't remember timing-wise when this was, it feels like it was like last fall or something, that the prime minister announced there was going to become a mandatory digital ID, which was a different— from the GovUK wallet, different from the mobile driver's license, which kind of further created tension, I think, between the government and the private sector, and even created confusion within the government itself in terms of who is doing what and what's going to happen in that market.

Zack Jones: So I think since then, and people can correct me if I'm wrong, because people in the webinar actually live in the UK and may have even more up-to-date information here, since that's happened, the mandatory digital ID has been kind of loosened or walked back. The timeline on that was always like a multi-multi-year timeline, so it wasn't going to be launched until, you know, 2029 or something. That caused a lot of, like, stir, though. And we also, again, like the GovUK wallet and the mobile driver's license is theoretically still progressing, independent of the whole, like, mandatory digital ID conversation. So anyways, that is a quick, not so quick, overview on the UK market. And if people have, you know, anything to add that I missed, feel free. Okay, so we done, done, done. UK is moving slowly, yes. Okay. Awesome. Other question here about Philsys, which we answered. Between with Philsys, answer is yes. Yeah. Any, yeah, yeah. Anything that you'd add on this, Zoe, or like anything else comes to mind that kind of comes up frequently on questions, on customer calls?

Zoe Olavarrieta: I'm trying to think. I know mDLs is always a hot topic as to kind of how to support that, and that, you know, we've been working very closely, you know, with Google to make the process a lot simpler. And so we do see some traffic there. Of course, the mDL landscape in the U.S. is very fragmented and not as mature as, you know, Europe. But, you know, we have some customers who are, you know, trying to get ahead of things. So, you know, when adoption does increase in the U.S., you know, they're already supporting it and prepared. And so, you know, have definitely seen some traction in the U.S., although adoption, like I said, is just not as high as the EU.

Zack Jones: Yeah. The other thing that is obviously on a lot of people's mind is the EU digital identity wallets. We talked about this a bit, like in some of the specific countries like France and Poland. We have recently created some new resources within, like, the Trinsic Market Intelligence Hub. So these are resources that are available, you know, to, like, customers and partners here and basically help you understand, you know, what digital IDs exist within a given country like France. Is the EUDI Wallet there, like an existing application that's going to be upgraded? Is it a new application? Have they announced it yet? Is there a name? Is there a logo? And kind of like what... You know what the status of those different things are.

Zack Jones: So if you are not in the Market Intelligence Hub, or if you haven't checked it in the last, like, week or two, there are some updated tabs there specifically around, like, the EUDI Wallet tracker and the comparison there, because I think one of the things that is emerging as we get closer to the end of 2026 deadline is that at one point there was the idea that every member state is going to launch a digital ID wallet by the end of this year, and every existing eID in every country will, like, no longer need to exist because you'll have this government eID wallet that everyone's just going to use. And I think what's becoming clear is that we're going to have multi-wallet ecosystems in almost every country over the next few years. So you will need to support the EUDI Wallet from a compliance perspective. Customers are going to ask for that.

Zack Jones: But there may only be, you know, 2 million people in a given country that actually have the EUDI Wallet, while there's 10 million people that have an existing eID that is, you know, trustworthy, good user experience, and valuable in the private sector. So it will become even more important and valuable to have kind of optionality within a given market or geography between existing eIDs, EUDI wallets, and then other verification means, you know, that may be required, like, you know, an NFC scan of the ID document, for example, that a lot of people may need for certain use cases as well. So again, if you don't have access to any of those resources, or you can't find them, or you want them, just send us a message via email. We'll make sure you can log in and kind of view the latest there. Awesome. Great. Well, with that, I think we can give everybody a few minutes back. So you know where to find us in Slack and email if you have additional questions. Thank you everybody for joining.

Zack Jones: And yeah, we'll send out a follow-up with some more information from the webinar, including some of the assets and then the recording as well. So.

Zoe Olavarrieta: Awesome. Thank you all so much.

Zack Jones: Thanks all. Bye.

Zoe Olavarrieta: Bye-bye.