2020 Digital Money Forum
January 7, 2020, Las Vegas, USA
2020 Digital Money Forum
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The Holy Grail Digital IDs, Privacy, Trust
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About speakers

Travis Jarae
CEO at One World Identity
Joseph Cutler
Partner at Perkins Coie
Bimal Gandhi
Chief Executive Officer at Uniken Inc.
Rob Wisniewski
Chief Technology Officer at CLEAR

Joe Cutler is a Privacy & Data Security Partner at Perkins Coie LLP and core member of the firm’s Fintech and Blockchain Technology & Digital Currency industry groups. His practice emphasis includes cryptocurrencies and distributed ledger technology, like blockchain, in areas related to privacy and data security, consumer protection law and Internet law. He focuses on regulatory issues surrounding token sales, digital identity, IoT/Ai/Blockchain convergence and the business of blockchain. He has an extensive background in providing legal guidance on regulatory issues related to financial services, including the Bank Secrecy Act, FinCEN regulations, anti-money laundering requirements, and state money transmission and financial services laws. Joe also advises technology clients regarding compliance with state and federal privacy and data protection laws as well as international data protection laws, like GDPR.

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Multi-faceted, international C-Level executive. Blends finance, strategy, technology and operations into a seamless portfolio to drive performance via a strong focus on metrics. Built businesses by opening new channels, increasing capacity and growing revenue, reengineering processes, renegotiating deals, and eliminating waste with little people impact. Career has spanned the financial services, management consulting, travel, and business process outsourcing industries in the United States, UK, Asia and India. Known for ability to fuse strong analytical skills with business practicality by scrutinizing the issues of the day and creating executable plans that change the trajectory of the business for tomorrow.Strong reputation for taking new or “stalled” businesses to the next level and thrives on big picture challenges where synergies can be leveraged to create value and open new market opportunities that meet or surpass shareholder expectations. Leadership style is defined by a strong ability to communicate difficult concepts in a simple and engaging manner that motivates and energies people. Gives responsibility and ownership for critical projects that accelerate the vision of the organization, rewarding and recognizing a job well done and ongoing support to help deliver. Teams look beyond what is doable and accomplish the impossible in the fastest time possible.Core Competencies: P&L Management • Brand Development • Big-Data Analytics • Global Operations • High-perform

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I’ve established a foundation of diverse technical experience in high performance and scalable software architecture, analysis and development. My career plan is to continue to be a leader in making ambitious high-level strategies a functioning reality within a culture that breeds innovation and cutting edge thinking.

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About the talk

At the end of the day we are our digital identities. How do we establish a system of trust while keeping bad actors at bay? New authentication techniques and a new generation of hardware are required.

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You know, we're about to talk about. I think this intersection somebody's problems, write this protection about data that we all will hear about. This is a drum beat all the time. I'll date around 8 or there is critical this question of privacy. Being fundamental to what this future internet, might look like with his future, isn't it? A value might look like because now you to protect real money that is in data form but at the same time, we need to identify ourselves. We got this problem of ID. We need to be able to trust the other entity of some sort. So we're at this intersection of Benin

leidy's and privacy and all of it revolves around. Trust Travis, the ratio of one world identity has been dealing with this stuff for a long time. Is it going to come out and bring out a next one panel to talk about these things, take forever to take my date Beeville Joe and Rob come join me up on stage hair. That we're getting rhinoplasty. Okay, so good afternoon. I'll come on, you can do better than that. Good afternoon. Damn, that guy thinks I've already been talking a little bit about this not

just today, but over the past couple years, as privacy regulations has started to roll out in Cross the world really gdpr CCPA as as of January 1st. So this is obviously something that's very near and dear to many of us in the room. So a little bit about myself. So as you see up there and Travis to re-time to see you, I would come pick up one world identity. We are a research and strategy firm focused on this space previously, Iran identity, and identity for Google. So that's a launch Google, across the world pacifically with Google Wallet products. Google play YouTube Etc.

Really seen the evolution of this space over the past 10 years and I'm really excited to to have these folks up here with me to talk more about that. But we are at a huge year for us. So I think it's safe to say that we are at a point where the digital identity and our physical identities, have really started to converge us. Insiders have been using that lingo for a while to get on stage at conferences but now now it's actually starting to happen and we're starting to see that everyday as more regulators and legislators decide to talk about this and make this is a

key point of their campaigns or something that they want. Enforcer their constituents, government regulation. However, the consumers are directly impacted by that. And of course, the lawyer on the panel will talk a little bit more about that. So what is digital identity? I'll try to Define that it hasn't really been fully baked in the world, yet we all still debate about what digital identity is but to oversimplify is the digital attributes that represent a person a thing or an entity. So this could be anything from the username and password. It could be your Biometrics, it

could be your son analysis from your Twitter account. It says anything that we can use to really understand who you are and what you're doing. It's I'm actually going to invite one of the experts in the space here. BMO, he's the CEO of unit. Can a customer First Security platform Nunnally that they've been building, omni-channel, authentication, software for years and probably one of the only people that I know that's in building software that really takes privacy too hard. So actually turn it to you to give us kind of a brief on. What is this space? Why does this matter today? And why

are we talking about it with this room? Sure. So, you know, privacy and Identity or an interesting concept cuz over the last 10 years, people have really taken a physical world identity and tried to transition it to the electronic world and it could be, you know, your attributes. And then something called privacy came along. The road started with gdpr and now it's coming into ccca and it's saying, you know, what information about yourself? Are you giving up? How is that in? Formation being shared

and utilized. So if you think about it from a security perspective or a fraud perspective, we all walk around with our mobile phones. In the mobile phone is become sort of the authenticator, a choice. But a lot of people have been using that mobile phone in the attributes on it to create a digital identity of that. Phone is a proxy for you and then they tracked the usage of that across institutions. Well, guess what? Under gdpr and ccca, that's really not legit. Cuz it's kind of taking all the information about you commingling, it sharing it and then using it. So that creates an issue

personal information creates an issue because people get hacked institution gets hacked and that data goes out, your physical resemblance while it's one of the most convenient forms has its own challenges and I think we're going to hear about how you overcome some of those challenges, but taking that to a broad mainstream presents, a different set of challenges and under. Some privacy things that could also create problems. So when we looked at the problem, we said, you know, how do you create something for a consumer and build it for the consumer SoMo security Platforms. In the

world have originated as Enterprise solutions, to protect an Enterprise on Enterprise user and then migrated to the consumer space. So privacy was never an issue with your company and it's an employee. They have no privacy. It gets complicated when you get into a consumer world. So we sat down five years ago and said, let's build something as if we were the consumer. What would we want? Which is zero friction, a similar experience across any channel. So interoperable, if you will and then first and foremost, protects the privacy, and all of the data for me, not to be confused

with putting it into my own hands as self, Sovereign identity might, but really just creating invisible security that protects privacy and when we started doing that, I think you you would ask me, question two years ago because well, you think businesses are really interested in that and two years ago, frankly, I would have said, maybe, but in the last year, I think the world is woken up to that and actually woken up to it much more outside of the US than in the US. I would say, if you want to know what's happening an identity, look outside the US and get out from

last year, being onstage here with about 15 million users. We have 65 million years on the platform right now. At accelerating at that pace, all because consumers are waking up to privacy or more importantly, Regulators are waking up to privacy and I think there could be a big seed change if the regulators and legislators become a little more active in the space. Yeah. And I think that's a really good segue into the rest of the conversation. Of course, we're going to introduce the rest of the panel is here. Now, all of you guys, to say your name, what you do And then one

either fun, fact, or a talent that only your friends know about. So you to share some stuff today to go first, can't wait. My name is Jay Cutler. I am a partner Perkins Cooley, which is a law firm based in Seattle. I'm, I'm out of our Seattle office and I kind of grew up as one of the first waves of privacy lawyers, one year before, that was kind of a discipline as one of the younger Associates that pick that has a practice before. It was so, I've grown up doing that and then in recent times, I helped co-found are blockchain and digital Assets Group. And so

the intersection of privacy and blockchain to me is, is something fascinating and and is is is is is a lot of fun. I don't know how to Talent. Bundle of factors when I was growing up by Ice Cube, almost every day as a kid. Sorry about that. Clear generally. This crowd will be pretty familiar with clear. I think it's a Benz but start with an a few years ago and we are in an inner core. The Passat is very expedited experience radiation security but the philosophy in the idea is actually do precisely that bring for the

real version, the philosophical version of you, the one that can rent a car get on a plane or open a bank account, into a more convenient form that form. Being very digital being very token. My side, you lie until I'm joined my pretties is mostly as an engineer mostly as an operator, as a scalar, as a creative creation of consumer products. And then over the last few years bringing in as much as we can. With the Deep science of both identities, was Biometrics to really, really excited too, kind of dig into that and we're coming at it from a lot of different angles. You know, I'm just a

hopeless, certain Motorsports and car guy actually raced really seriously for a bit cars. And I like to think I was pretty good. I'm a huge guy and I still when I go go-karting, I generally win. So I got to be okay at it so that's I guess. That's a fun fact. Nice little bit better. So you can either ask about those things or something related to Identity and privacy trust jumping right into the, the conversation here. Coming back to be more. Obviously, you have built a career around building these frictionless experiences and really focusing on the consumer, which

in digital identity. Terms is relatively unheard-of, obviously clear, is that a very good job of it as well? Talk to me a little bit about, you know, when you went to Market, obviously, this is it a consumer shows. When you went to Market, what were some of those consumer aspects that you had to keep in mind some of those? Go to market strategies that you employed. And, you know, how did the market react to that over from? Obviously, from when you guys first started to where you are today. So when we started from up, putting ourselves in the shoe of the, the person, receiving the

product and said, what do we want? The first thing, we said his look, I want to preserve my privacy first and foremost, I want to have zero friction element and I want the same experience whether it's on Mobile kiosk. Telephone isn't calling a call center or they're calling me or even in person how do I create that experience? And then we went to a series of financial institutions and kind of said, what do you think? And the first reaction was, why do we care? And I'm like don't you want to protect the Privacy the consumer and they're like it's a lost you know we just we write off the lot and

when I heard the fifth institution say that was kind of weak. And so then we had to look at it and say what would make it worthwhile for you feel like well can it help with fraud? Can it help with reducing my costs and so we can it help with this. And when we came back with a solution that, you know, goes Roi positive very quickly and delivers. This amazing customer experience, we shifted from a technology, buyer to a business buyer who actually cares about the brand and cares about the customer experience. And I think that was the transition point when you talk about identity, not as an

enabler for security, but identity is the heart of the relationship in the heart of transforming a customer experience and increasing share of wallet increasing engagement levels and protecting the brand. People have a very different reaction A couple of nights big hacks along the way helped us. And the first question we get is what would you for them to Disney? Answer is absolutely who were at the beginning, quite skeptical of saying, okay, so you're putting a defense-in-depth platform together. Everything's in one will. What if

you're the single point of failure? What if you get hacked? And it was showing you do the layering effect of the different Technologies and saying, he'll let's show you the kind of effort it would take to go through multiple layers and yes. Could there be a zero-day in there? But, you know, we, we, we were in use in cell phone for quite a long time. It's a pretty big places. So, that gave him comfort in. The Regulators of now really put a lens on privacy, which I think is just phenomenal. So if you go to Singapore, you go to India, you go to Indonesia, you go to Mexico,

you have Regulators that are, you know, I would say a step ahead of the the modern-day regulators. And are putting it at the Forefront and I think that's a big thing. And again, I come back to, you know, whatever you build for the US market or the European market. Really, has to work outside of those markets, especially when you deal with a very mobile user base. And and obviously, we've seen the proliferation of mobile devices in the world, option around the world, has that been a major influence? Where, I mean, how is that impact your business? I just need to go, you know, three years

ago, if you told me I would have an office in Mexico or in Kenya I would have looked at you and said, no, did you have too much fun last night and Gale mobile adoption? In Mexico. Went from 20% to over 75% in Africa. It's the interaction point of choice in Asia is the interaction point of choice. So that's really propelled, not only the need, but the threat landscape has changed dramatically. I mean, think about it. Every mobile device is a threat element for you now, and you not only have to worry about that. New identity. But you actually have to worry about protecting the

mechanisms in that device from engineered malware as well as, you know, wireless networks that are corrupted and how do you do that. So it's a great opportunity. But it's created a very different set of challenges that I think. When you take an Enterprise solution and tried to back fit, it, it doesn't work or too expensive. What's a really bad experience? Bravo, show me, come over to you and talk a little bit about noon. Same type of question. Obviously be moving. Unicorn are working on it, a digital mobile first solution. Obviously, you guys are more Physical Therapy. Talk to your

rep, sweetie, we scan our faces, we do all these things. You know, one of the misconceptions about clear is that your trading at the consumer, privacy for this convenience, talk a little bit about for one, of course, the same questions related to, you know, how do you, how do you view, physical identity Solutions, but also to how have you got over this misconception? And how do you actually as clear? Look at privacy and security as a manager identity provider so you can imagine the questions that come up our

product or service our philosophies can you get you know, fairly deepen and have a lot of gravity around them in that? The best part of my job is having really clear and good concise answers to precisely that. So around the Aspect the most specific. And I think Universal response that we have in the way that we approach it is privacy. Security infidelity are absolutely are not, just like, oh, hey. We promise that's literally in the business model. Our members are our customers. That's where Revenue comes from, that's where our vast majority of. All of the

value that we have is our relationship and trust that we have with the customers. And in fact, the entire philosophy is about trying to share much less information for the purpose of an acting. A certain types of transactions are our privacy policy is in plain English and we're constantly revising them. You know, every time we look at it, like we could be a little bit later. We can keep playing at the idea, is to understand the relationship that you're getting into with clear. And understanding that clear right now is providing us with the services

that we fully recognized will probably be Definitely regulated. In fact, we already plenty regulated but will be something like self Sovereign, right? They will be operated, they will be out, then they will be networks of network. Status station identity will be calm. This serve layered concept, between some financial institution Centric identity Discovery. Some government-run identity participation digital physical identity. All those things will come together and clear is really about operating in servicing within all of

those philosophies providing what it needs to provide. At this point, offering what it can with respect to the ideas and not the general concepts. Getting ideally a certain population or or interviews cases were really does pay to be able to offer that type of service. Now understanding that it will only become more and more pervasive and just continuing to serve in a green operate on top of those Network show privacy, very straightforward. We never share sell date. It's not. It literally is built into our our motivations and in our actual

you know, the the shared goals that that everybody has because of the way that we actually starts with business. Secondarily from a security perspective, we started in the hardest areas. So we are regulated division, the high, we have literal Auditors come in regularly fisma, high is considered mission-critical loss of life. So all the types of information that would typically be considered, you know, for all the scariest use cases the same that those are held or the singers that were up to and then our journey in our our our

job is now figure out How to address for all of these different Frameworks and then as we start to venture out globally, all these different Frameworks, how do we provide that same level of fidelity coupled to the usefulness? The best answer I can give is that CCPA VPR. I was it was before we even knew what those were as I was coming in to clear, I knew I wanted to work for a company that thought those things that you need to Gary's anyway and I was asking those questions and then when those started to come about we've actually had to do was

talking a little like our philosophies are already there, right? To be forgotten friendship into something. That was a part of the company since it was founded in 2010 by you know the my bosses and so with that, you know, there's always a little details with the guts of it. We're already in keeping with what I think the modern concept of privacy is and ideally driving at forward, the idea of being. If we can have an end-to-end secure, Wylie, High Fidelity, identification token list of who you are. Let's say when you're buying a beer, now, all of a sudden, you're

not actually a test age for identity. And in that case, you're not showing any payment information, you're not showing your address and your driving status in your organizer status to some random Bouncer and then a server and then whatever. Like literally, we handle the payment, we handle the attestation and and then the real gravity is around obviously the biometric and that core identity in keeping that I'm protecting it. So our job is to continue to stay at the very cutting-edge and then always weighing benefit and risk vs privacy and security. So that,

you know that the great part about clear is that the answers are simple, the hard part is that the hard, they're really tough areas, just like you would like, it gets more complex and more crazy every single day. But if your philosophy are lined up, Trying to figure out. How do I sell everybody's date of a silky privacy? Like that found something that I need to work. So obviously privacy if that's on your career and you and you have done so successfully with Birkin and it's safe to say now that we're at this point, we're privacy by design, has

started to gain some pretty good traction with the start of developer Community. We are starting to see traction and it's basically a set of universal standards or principles to which product managers and Engineers shouldn't builds new products on top of, obviously, it's very hard to take Legacy infrastructure and then go backwards and so that's going to be in 10th. So probably still talking about everything from a banking transaction to a travel. Transaction obviously didn't even touch about eCommerce, but before the session, we had a whole session up here about cryptocurrency DLT

in this is something obviously that You helped create at Perkins Chloe at home group around this, you know. Can you break down for us? This idea of decentralized visual identity. What? That is? I'm thinking self Sovereign identity both Panel, test mention, self, Sovereign identity. So far. What is that at a high level? And is it something that everybody as a consumer in this room should be thinking about? Should we be downloading self Sovereign, identity apps later this evening? So, you know, the real debate over self Sovereign identity. There's a, there's a question proceeding

to that, which is do we trust a network of information that centralized with a gatekeeper? Who knows what they're doing, or do we trust a network? That's that's decentralized. Where you have the data under your own control. And so is it asked a couple of questions, which are do you trust the people making the software and you touch yourself? And trust is a big issue and the reason that, that, that I think digital identity is becoming a big deal is on account of a few things. The first one is through the mid-2000s. There was just as

an ever-increasing series of breeches and I don't think there's probably anyone in this room that hasn't received at least one letter or email saying, we regret to inform you that your information was included in some data dump that got hacked. And there was that, And in the most public of that was the Sony, the Sony PlayStation breach because it was handled so badly, right, just by everyone involved, and it was and that was a big Tipping Point for American consumers where they sort of woke up and said I'm not really safe online and in Europe, when they passed you

if you are there's a there's a fundamental thing that I that I think is important to realize it and that is that there's no constitutional right to privacy in the United States. Like the Constitution does not have a provision for privacy and in fact we don't view it nor do we treat it in the marketplace as a human, right? Not yet right in Europe, they do in Europe your privacy is a fundamental human, right? And I always am amazed when I work with eating my European counterparts. When we get in the in the midst of a deal and you're talking about

representations and warranties or you're doing privacy by Design. You look well, You know, that's kind of a gray area. So maybe we'll cut this corner and they, they react very viscerally to that they're like, wait, that's like, you know, taking people's guns away and and and, and in some very red Staton and in Union, right? Like you just don't do that in Europe. And, and I think that the passage of the CCPA means a lot more than just a big regulation. In a very aggressive State, it's a point at Witham. If you think about how that regulation started, it was to non

legislator Advocates from the tech sector, who, you know, initiated an initiative, that preyed upon people's are played upon, depending on your, your take on it right on people's concerns about their feelings of of a vulnerability that they couldn't protect themselves. And the interesting thing about the CCPA is that it expresses its regulatory reach in terms of Rights, I don't know if people thought about that, but that's, that's actually quite unique in the way that I did it. But it goes about what is doing normally, you know, a regulation, governs risk, or it

governs action button. In, in California, under the CCPA, there's a group of consumer rights that people can, they can claim. So you can go to a company that I have a right to delete my data. I have a right to know what you collect about me being in the space. It is uncanny. How often I encounter companies from small to very large, we have no idea what they collect. I've never really done a date assessment, they've never really sat down and ask themselves, what do I collect? What do I do with it? Who do I share it with an interesting enough when we do that work for

them, they're often surprised at how porous there. Their organization actually is And so, that's a roundabout way of saying, I think we're in the very middle of a pretty large debate, which is do we want identity providers who are focused on like clear? And, like, unicorns on very structured. Secure, sometimes single-purpose with a very sharp, Focus date, aggregation and protection for things. Like I do travel that I don't have to sell it cuz I make money, just getting your membership, right? Or do we want to create a network where where those entities have a purpose but they're not going to

be a one-size-fits-all where there is something of sorts like you have a wallet full of your credentials that you get to choose for yourself self? Sovereign you get to choose for yourself. What you do with your credentials, if you want to prove you're over. 21 you got five ways to do it and you can open your digital wallet and choose which things you want to expose for that purpose, depending on how sensitive they are to you. And that with just by saying that that I don't really know which one's going to win, you know, we're in the middle of the VHS and beta Warriors and I have no idea

which of the of those Tendencies is going to win out. I have a horse I like but yeah absolutely. And from our point of view, I mean obviously I don't see why we get to monitor over 10,000 companies and we we we try to find out. What are they doing? What are they buying? How are they reviewing these things? And it seems as of right now it's it's a parallel path. But you know, one is obviously very enjoy the other. So we will find out when I click and points happens, if

you know, even Building Detroit Energy Systems, there hasn't really been a consumer identity product, that's been super successful outside of password managers and frankly clear. That's because you're up here but you know there hasn't really been many consumed. The first successful consumer identity, ABS is digital identity. Does it need to be a consumer application? Or is it really just the golden Cog that has to be placed in every machine in the future?

When you say a digital application, if it's a standalone application it's filled already right? It really needs to be a cog in every institutions mobile app. So whether it's travel with hospitality its retail, its government services, or it's been anshel Services. We believe it's a cot. We built a platform that is a cog because as a consumer, I don't want different applications for that need right now. If we get to a state of self Sovereign, where I have choice, I can embedded in a mobile app, and I can do that right, then? Maybe it's a maybe that

called becomes the strengthen element of that sell stubborn. Kennedy but certainly, you know, I think the world were maybe not even at the middle or maybe even in the early stages because everytime, I think I have a understanding of the landscape. I see something happened in an emerging market, that changes my view. And I think that's that's the amazing thing that the global nature of the ask in the global nature of the issue says that people are taking very different approaches to this and, you know, we the benefit of us not starting in

the US was we kind of have a global platform from the beginning and it's given us a different perspective. And I think that's why we're growing Leaps and Bounds and maybe some of the other people trying to do this or not, cuz they've taken more of a North American Centric approach, which, you know? Doesn't really work in many places and Rob will take another question was coming. Obviously, you guys have seen some pretty good adoption at the consumer level as a CTO rite4us tackies out there, you're going to you know you're just happened to change for us. What would you say? You know what

is your position on how you were able to achieve the customer consumer growth that you have and what would be some advice that you can give you the folks in a room that are Afghan trying to build identity applications for a consumer? Sure. Yeah, well CTO just means it's all your fault, but you know what, I think a lot of the opportunity that we found has been really acting as the consumers, Advocate. I don't want to get back into the last question, but people really do respond to like, this is doing

something for me. I mean, if you think about what we're exploiting, they alternatives are pretty terrible right now, and we're kind of looking for that in another Places we can shape-shift forms, we do all the normal things, you know, stay lean, and do experiments and you're really excited about, you know, that the ability to grow that thing. You like the cloud allow us to do. There's just no way you can do this. You know, with the initial margin that I know, clear went through in order to discover and start to build, and understand, and learn and evolve what they

needed. You know, Karen always likes to say that. You know, we took seven years to get the first million users in 7 months to get the second million, right? And don't put those Seven Years War when you leave long years, right? So it's about that case, persistent experimentation understanding But in the end it's it's really that core business model. I mean, to get back to this, I do think it's an embedding, I think it's lots of the Apple ecosystem, write the Apple ecosystem. The only reason payment starts to get some some traction is because you have this singular assertive. It's it's

connected to that one device. I have an answer for a research question that I think is going to bring us up above that, but that's all. I can invite a train ticket. I can do in bed. A credential, my CES barcode was, it was in there, right? It needs to boil down to a singular where it's many facades of a singular concept and people start rocket League Rock? Clear. Because it's like, I want to get through the line. Okay. That they understand, but sometimes you have to take them one or two levels into what we agree with you on your identity. And now we're allowing you to accidentally

Biometrics. Nothing about your biometric told us who you were. You just proved to us who you were like you prove to everybody all day everyday and then were using those biometric. Actor, that work very quickly, and then you kind of, say something like that, like all those, so we can do that anytime you show your ID and biometric boarding in Delta. This boarding 500 boarding is really, really exciting, but until you get a highly tuned, very, very simple version of it. It's not that much harder than this

device that you typically have in. That is an extremely controversial statement coming from somebody who is literally trying to sell biometric boarding, right? So what what I mean by that is we will not get into that space beyond Pilots an experiment until we understand why we're offering value. So we do you operate with some Partners, biometric boarding for international travel via the CBP TV system that's useful because you're showing passport, right? Which is literally anybody who has possession of a boarding pass to be allowed to get in, you're competing with that. So, it's all

about where you're competing with and then, Back to that sort of transaction. Interaction contact. What are they really bought into understanding and unification? That's what we found really help. Since we're looking for, common vocabulary, common experiences and the more people use it that whole network effect whatever. You know, we want to go from, you know, twice a month to twice a day to 10 times a day. I'm not thing that people start to really dig in and is that not work? If I pursued for us, I mean, finding a partner, said that got us to where we were able to go. So that makes a

lot of sense than employees that don't have clear any more like the airport on the wrong, I don't want you. I don't just go away. And if it's that you see that with with, with concessions, likely, they didn't even show the lady, they just got their beer. That was great, but eventually that line will come back a little bit. Wait, I didn't have to show them where I live. That's pretty cool. You know, there's this add-on compounding effect but people it's a nuanced thing

and in the headline world that's a really tough Turtle mountain to climb. So, I know we're running out of time here, but I want you guys to pull out your crystal ball. Think about the future, obviously, this is a Tech conference, so it's a think about that. But I'm go round robin, you guys got one minute, right? Tell me either, you know what? You think that everybody in this room should take away from today or what is the next future technology or just one prediction that you want to make about the future? Everyone's going to judge you on if you're wrong, all right, so why don't we start in

the middle here? Well, I think that I'll say it this way. I I bought a I bought access to a password manager for my family and that was five months ago and I'm the only one that uses it. And the reason I'm the only one that uses it is because it takes about 45 minutes, to figure out how to do it. And another hour to move from where you were to where you need to be. And then after that, if the coolest thing I've ever used, I really really do like it. And so, my prediction is that digital identity is going to be is going to remain a Grail out in the future

as a valuable and important and amazing as it is until they pulled a hat-trick that clear pulled for example and make it easy to enter to get in and use. And it becomes a gold card. Will you don't really see it, it just works. I don't foresee it coming as fast as we all need it, too. Because, you know, the way I join clear was I went with a Collie. Who was heading towards a clear line and he looked at me. Like I was like an infant and said, you don't have clear and he grabbed my arm and marched me to the

line and said, you know, you get reimbursed and unlike I didn't know that and 11 minutes later, I was sitting in the morning, I would just five and a half so that that's my prediction is that I don't think that didn't like Denny's going to get out of the race until those barriers go way way down. BMO. So, you know, I do think it's getting easier. There are technologies that are getting better. I think the prediction I would tell you is something, our clients asked for this last year, which is, as you

solved that hog problem and digital identity. The weak point becomes the enrollment and identity proofing, and identity verification become really big elements of the solution. So that's four steps to kind of bad that element into our solution this last year. And if I look at the number of people asking that I would say, nine out of 10 clients, moving forward, or asking us for the full solution, which includes identity, proofing, and identity verification at enrollment. Yeah, and that makes a lot of sense. We've been moving from the authentication fees up the work stream to the

consumer at that, identity proof, and any verification Point. Rob last one I lost a super Zach is on like the just a hopeless engineer. You know, I've seen this sort of abstraction in virtualization, train come for the D, professional stuff and into the consumer South Bend IN to the Now cars and not really own anything. You know it may be somewhat kinds of probably maybe Horizon we're like 5 years but I think we will find a world where the devices themselves become more abstract. And I know that sounds weird coming from a clear were trying to beat Okemos where we can though. We're not we

have an app like we love it, it's great. We should definitely have tokens as backups two things, whatever. But I think, I would love to pick up anybody's phone and it becomes my phone immediately. Why don't I pick up my? I bet you got 5G, you've got great, Teva T, you've got, you know, pretty much apps that are absent. Everything that actually sort of works. The cloud and Judy abstraction of all that. Anyway, why am I? Why is anything local or why is it not almost seamlessly? Becoming that sit in any car, it becomes your car. So I didn't grab any device to become your device. That don't

think we're as far away from something and experience like that. Obviously not everything out of pervasive, not pick up any phone, but I can have a few of them. Why, you know, why does? It's not some stuff not feel that way and it's hurricane Expo, packing identity. And that's way too. So, so you guys all heard it here. This is the prediction for the future. From these panelist. I predict we're going to get kicked off the stage here, any second. So can you please join me to sleep analysis? Thank you. Chris, thank you.

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