Moresburg Publications

The Strategic Value of Digital Identity in Finance

In collaboration with major industry partners including Barclays and Aviva, this seminal white paper explores the transformative potential of reusing assured digital identities within the financial services sector. By examining the practical application of government-backed identities in bank account opening processes, the research demonstrates how a streamlined, frictionless journey can significantly improve customer on-boarding and inclusion. The findings highlight a clear appetite for a more integrated approach, where trusted identities serve as a secure key to digital transactions, reducing the administrative burden on both the institution and the individual.

Bridging the Gap between Policy and Implementation

Beyond the technical benefits, the report addresses the complex regulatory and operational landscape that organisations must navigate, including the impact of GDPR and the Second Payment Services Directive. It outlines a comprehensive target operating model that prioritises user-centric design, privacy, and robust governance as the foundations of a successful UK-wide identity ecosystem. By aligning government strategy with private sector needs, this work provides a definitive blueprint for moving from fragmented, organisation-centric models toward a unified, secure, and globally interoperable future for digital trust.

Executive Summary: The Value of Digital Identity in Finance

This condensed executive summary provides a high-level overview of our seminal research into the reuse of digital identities within the financial services sector. Designed for senior leaders and policy makers, it distils the core findings from our extensive user research and financial sector analysis into a concise, actionable format. This document highlights the critical strategic takeaways regarding customer inclination, regulatory alignment, and the proposed target operating model for a unified UK identity ecosystem.

Lessons in Customer-Centric Self-Service

In this analytical piece for the Yorkshire Post, Bryn Robinson-Morgan examines the strategic challenges facing major retailers like Morrisons when implementing self-service technologies. Drawing on his experience of deploying self-service solutions, Bryn argues that these initiatives often falter when cost reduction is prioritised over the actual customer experience. By contrasting the retail sector with the successful adoption of Oyster cards on London’s transport network, the article illustrates how simplifying transactions and building customer advocacy are the true drivers of digital migration.

Designing for Behaviour and Context

The article highlights the necessity of putting the customer at the heart of any service strategy to ensure technology meets real-world needs rather than enforcing rigid operating constraints. In an increasingly omni-channel world, Bryn explores how businesses must model solutions based on customer behaviour and the specific context of their journey. This insightful commentary serves as a reminder that successful digital transformation relies on delivering tangible convenience and reliability, ensuring that technology remains a preferred choice for the user rather than an unexpected barrier.

Setting Global Standards for Digital Health Passes

As a core contributor to the Good Health Pass Collaborative, Moresburg played a pivotal role in developing this comprehensive interoperability blueprint for secure, digital health credentials. This multi-sector global initiative brought together over 120 organisations across the travel, health, and technology sectors to establish a common framework for international travel. By focusing on open standards rather than proprietary solutions, the blueprint provides the technical and governance foundations necessary to ensure that digital health passes are globally recognised, secure, and privacy-preserving.

Architecting Interoperability in Complex Ecosystems

The blueprint addresses the critical challenge of health data exchange across diverse and fragmented ecosystems, offering a set of rigorous recommendations for security, privacy, and identity binding. It outlines a sophisticated semantic data pipeline and the use of standard data models to ensure that credentials remain functional across different jurisdictions. This work exemplifies our commitment to building community consensus and delivering the robust technical architecture required to restore global mobility through trusted digital innovation.