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Third Industrial Revolution Consulting Group 5. Access/e-identification/e-signature: Harmonise the rules of digital access (including customer on-boarding, authentication and KYC processes) to banking services and product, and ensure interoperability within the EU by promoting banking initiative where banks are providers of digital identity services, possibly in collaboration with public authorities ; remove existing barriers to the cross-border use of electronic identification by defining “banking assurance levels” for authentication purposes and by promoting an interoperable environment with the recognition of a preferential use of cross-border national e-IDs in agreement with public authorities; establishing common e-KYC standards for individuals and companies and common standards for document authentication and procedure to ease the use of e- signature at domestic and cross-borders level. 6. Payments and aggregation: Establish harmonized licenses, conditions of approval and supervision across EU to operate with transactions, payments and financing and foster the viability of European card and payments business models. Make sure that the same level of consumer protection and data privacy is implemented by all the actors in the payment and aggregation chain. Ensure a fair allocation of rights and liabilities amongst all actors in the payment/aggregation chain. 7. Cybersecurity: Ensure high standards of cyber protection requirements for entities and third party providers accessing platforms and bank accounts. Avoid duplicative reporting requirements. Raise awareness towards public authorities, industry and consumers on potential cyber risks & threats. Create the appropriate framework and network for information sharing (threats, incidents ad countermeasures) 8. Blockchain technologies: For the financial services sector Blockchain technology could provide opportunities to overhaul existing banking infrastructure, speed settlements and streamline stock exchanges; EU framework (although perhaps premature to consider any regulation at this stage) should put the banking sector in the position to take full advantage of solutions using this technology. 9. Alternative lending and investments (assets and liabilities): Ensure consistent harmonization and supervision of investment and lending licenses to ensure customer and investor protection; Ensure a level playing field among EU players and with non EU players, remove inconsistencies in EU legislation and obstacle to innovations. 10. Digital skills: Improve employee’s skills and competencies focusing on the conduct of a digital/online business in order to guide customers through online product and services. Improve job rotation practice, to help incentives for knowledge exchange and to build multi-skill professional profiles (e.g. through structured job rotation). 320
Third Industrial Revolution Consulting Group OVERVIEW SMART ECONOMY Luxembourg already ranks number one in Internet penetration in the European Union, with 100% coverage. 99.4% of households have mobile phones and 94% of all households have computers. Eight out of every ten households have high speed access. In addition, 9 out of 10 businesses use broadband connection. 281 Co-Chairs Claude Strasser and Mario Grotz, and the Luxembourg Smart Economy Working Group; Michael Waidner (Fraunhofer SIT), Philipp Krüger (Fraunhofer SIT), Giovanni Corazza (University of Bologna), and Jeremy Rifkin, TIR Consulting Group LLC Luxembourg also boasts a highly advanced ICT sector which accounts for 6.6% of the total gross added value of the country. The ICT sector accounts for 4% of employment in Luxembourg. Moreover, Luxembourg hosts some of the leading ICT companies including Amazon, Ebay, Vodafone, and Rakuten. 282 These numbers constitute an important starting point for the continuous build-up of a growing ICT infrastructure in Luxembourg that must be able to sustain the exponential traffic growth rates foreseen in the future. For example, world mobile data traffic is expected to grow to 30.6 exabytes per month by 2020. 283 Tim Berners-Lee put the World Wide Web online in 1990. Today, a younger generation is studying in global classrooms via Skype and FaceTime, socializing with cohorts around the world on Facebook, gossiping with hundreds of millions of peers on Twitter, sharing photos on Snapchat, contributing to the knowledge of the world on Wikipedia, tapping into virtually all of the information generated in the world on Google, and taking free Massive Open Online College Courses and receiving credits. The World Wide Web is simple in design and acute in impact. The Web allows anyone, anytime, anywhere, to share information with anyone else, without having to ask permission or pay a royalty fee. The Web is designed to be open, universally accessible, and distributed. 281 See: http://ec.europa.eu/eurostat/statistics-explained/index.php/Information_society_statistics_- _households_and_individuals 282 See: http://ec.europa.eu/eurostat/documents/2995521/7141198/4-21012016-AP-EN.pdf 283 Cisco Visual Networking Index: Global Mobile Data Traffic Forecast Update, 2015–2020, http://www.cisco.com/c/en/us/solutions/collateral/service-provider/visual-networking-index-vni/mobile-whitepaper-c11-520862.pdf 321
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