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Rise in New Technologies and Security Mechanisms
Rise in New Technologies and Security Mechanisms
The development of the Internet, the subsequent rise of a digital economy and technology innovations have decreased the cost of using IP-based telecommunication (particularly through lump sum pricing).
Wireless networks and the boom of communicating devices increasingly lead individuals to be almost always connected.
In parallel, data exchanges tend to be more and more digitalised between all market players (individuals, corporations, public services) and in all economic sectors: e-commerce, e-health, transportation (e-ticketing), online services, e-administration.
Legal and technical issues require a consistent level of security and trust: authentication, integrity, confidentiality, non-repudiation (digital signature), traceability/tracking, timestamp, archiving.
Command of both new technologies and a sustained pace of innovation are no longer optional.
Collaborating via social and professional networks has become common in the business and private realms:
- e-Commerce and online services with downloadable content
- e-Administration: e-procedures and remote paperwork for tax and social security obligations (VAT declaration for companies, income tax for private citizens)
- e-Health: health benefits, digital third party payments (for pharmacies and patients)
- Transportation: e- and m-ticketing
- B2B e-invoicing (electronic bill presentment and payment, EBPP)
- Online contract subscriptions
Beyond the required identification and authentication steps, such services must be offered with a high level of trust for both parties. This implies using security architectures and services, such as those of Trusted Third Parties (TTP):
- content integrity
- confidentiality
- anagement of digital proof (non repudiation): basic or advanced digital signatures, timestamps and archiving
- traceability.
A dematerialised transaction is likely to generate an online payment transaction. A variety of payment solutions may be implemented:
- Prepayment: electronic purse (server-based, or physical)
- Virtual purse (e-wallet server)
- Card payment (immediate or differed debit)
- Credit transfer
- Credit card payment (with loyalty feature or not).
New payment processes are emerging in relation to differentiating form factors, personal identity elements as well as means of authentication and access rights:
- contactless: either card based or mobile phone based
- biometrics
Both consumer and corporate cards may benefit from these innovations to launch new offers (e.g.: purchasing cards) that may take multi-application cards into consideration.
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EXAMPLES OF ASSIGNMENTS
ASSISTANCE AND CONSULTANCY ON INITIAL PHASES
- Strategic consulting: consultancy on the definition of the payment strategy
- Marketing consulting
- Definition of a strategy and a target and positioning of a product or service
- Preliminary testing of concept
- Assessment of commercial potential
- Identification of customer needs
- Understanding and monitoring the market
- Evaluation of technological opportunities
- Studies and market intelligence
- Periodic business intelligence on selected issues with in-depth focuses on customer-chosen topics
- Customised market watch
- Business, security and organisation diagnosis
PROJECT INITIATION
- Strategic and functional project design and management
- Decision on project orientations
- Impacts assessment and feasibility study
- Assistance with requests for proposals (writing RFP and analysing and scoring proposals)
- Assistance with responding to RFPs
- Identification and analysis of potential partners
- Assistance with contract negotiations
- Assistance with product or service implementation
- Management of day-to-day offers
IMPLEMENTATION OF OPERATIONS
- Project leadership and management of operations
- Planning and guaranteed delivery of complex projects
- Support for workshops and internal corporate communication
- Training modules
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