Minding the Identity Gaps

Innovations, MIT Press, Volume 10, No. 1-2, Winter-Spring 2015

24 Pages Posted: 16 Dec 2012 Last revised: 23 Dec 2015

Ignacio Mas

Tufts University

David Porteous

Bankable Frontier Associates

Date Written: November 27, 2015

Abstract

In inclusion circles, the issue of digital identity tends to be dominated by the perspectives of law enforcement (anti-money laundering and – terrorist financing), legal compliance (how long records need to be kept), and technological implementation choices (phones or cards, biometric or not). But what needs to be at the center is how to manage the competing interests of providers and their clients over customer information. We examine three distinct trust gaps that define the core problem of digital identities: the confidence – or security – with which identities can be asserted and confirmed, the control – or privacy – with which personal information associated with one´s identity can be revealed and distributed, and the relevance and accuracy of the inferences – or reputations – that are drawn from people´ personal information and the history of interactions.

Keywords: identity, financial inclusion

Suggested Citation

Mas, Ignacio and Porteous, David, Minding the Identity Gaps (November 27, 2015). Innovations, MIT Press, Volume 10, No. 1-2, Winter-Spring 2015. Available at SSRN: https://ssrn.com/abstract=2189989 or http://dx.doi.org/10.2139/ssrn.2189989

Ignacio Mas (Contact Author)

Tufts University ( email )

Medford, MA 02155
United States

David Porteous

Bankable Frontier Associates ( email )

Suite 303
48 Grove Street
Somerville, MA 02144
United States

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