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© 2017 digi.me limited. All rights reserved.

Do more with data, privately

Julian Ranger

Exec Chairman & Founder


Your personal data is valuable.

It’s time to unlock its true potential.


Today’s personal data model is brokenBusinesses promote products and services to you relying on

information that can be inaccurate to target you which results in less

engaging experiences.

We’ve all experienced the pain of inaccurate marketing resulting in

a poor experience.

The result is a rise in measures that can feel intrusive and

disengage us with online businesses.

There is a new model emerging for personal data economy and this

model requires a shift in control over personal data to the individual.

This shift is already happening.


The new model puts you in control

You own and control your data, and decide who can use it and for what.

Businesses can offer better products, services and experiences when you

share data that is richer because it comes directly from you.

Consenting to share data makes marketing relevant and timely – more

useful to you and more efficient for businesses.

This new model is built on trust that benefits both you and business.

This is what’s known as the Internet of Me, where you are at the centre of

your connected life.


Key trends leading to Internet of Me

Choice – The Data

Generation

We now expect a digital

world that is always on,

offering choice and 24/7

services

Services –

Personalisation

As consumers we

demand products,

services and marketing

to be tailored to our

needs

Control - Data Protection

We want all this without

having to compromise

our privacy or give up

our rights

Insight – Data Analysis

Our data should benefit

us first, helping us

understand ourselves

and make better choices


Solving the privacy paradox

We share data all the time – it’s what makes the digital world go round.

Sharing is what powers the things we use every day, from online

banking and social media to fitness trackers.

Businesses need your data to provide these very services and exciting

new ones.

This creates a ‘privacy see-saw’ where the more you share the less

privacy you have – a challenge for both you and businesses.

With digi.me you can share your data AND keep your privacy.


The current market

maximum

sharing

minimum

sharing

maximum

privacy

minimum

privacy

the privacy seesaw


But it is more than just the see-saw

- Most personal data is not generally available

- Medical, financial, wearables, communications, calls, media use, IoT, etc (Cars)

- And personal data is not available to all

- Concentrated in a few businesses

We want to Do More with personal data, Privately

The current market


79%of consumers believe

the main use of

personal data is for the economic gain of

organisations rather than theirs *

Users don’t have access to or control of their data.

Businesses need data to provide the services that

consumers crave

Personal data is scattered across many online accounts and services

* https://www.digitalcatapultcentre.org.uk/personal-data-trust-report-download/


Users have none of this data ………


……… and businesses can access only a thin slice


94%of consumers want

more control over their personal data *

Users keep their personal data • Secure & Private,

• Get a complete picture of themselves.

Combining all personal data at the individual offers new levels of insight to user

Digi.me does not see, touch nor hold the data

I own & control

my own data



81%believe that industries boundaries will blur as platforms reshape

industries into interconnected ecosystems *

Users can choose to share their richer data with 3rd

parties and organizations

Businesses can offer more tailored services and

experiences

Businesses can access Rich Data with consent



This is the Internet of Me


How digi.me works

The digi.me app creates your own secure personal library and lets you add data from different sources.

You own this library and

keep it on your choice of

secure cloud storage.

Then you can share your data

in a totally new way

– one that you control.


How do I start?

Connect any sources you have an online account

with

Choose where you want to store your

library

Download app

digi.me never sees, holds or

touches your data

Currently live:

- Social media

- Finance (Yodlee

API)

- Medical records


• Clean, tile based UI• Supports multiple devices (OS and form factor)

• Supports multiple data types

• Supports multiple data uses (view, search, insights)

5th Gen UI – Do More yourself


Video


A better way to work with data

digi.me never sees, touches or hold your personal data

digi.me never copies or shares

customer data with anyone

digi.me never runs any

programs to look at customer

data

There is no central digi.me

storage of any personal customer

data


Value Proposition

Me? - I own & control my data

• That means I am the first to benefit from the greater insight and understanding my

information reveals about me

• I have complete control over who I share my data with - for service, convenience or reward

Businesses? - Rich data

• Rich data: wider, deeper, 100% accurate, normalised, permissioned

• Which comes directly from the consumer with the explicit permission to use it – in return for

service, convenience or reward

• This straightforward relationship means better data at lower cost, with less hassle

Society? - A world where an individual’s rights and privacy are respected

• Relationships between people, businesses, authorities and services are open and

transparent, building far greater trust

• Value is shared on the basis of genuinely mutual benefit to all


Consent Access & Rich Data• Value exchange – business & consumer


Private Sharing - how does that work?

1. Register for Consent

Access Certificate

2. User downloads

app/visits website

3. digi.me triggered via

SDK to verify & display

certificate

4. If user

Accepts,

data

extracted

from library

& passed to

app/website

(& updated

daily if

applicable)

5. User has dashboard of

Certificates & can manage

consent & right to forget

Central Certificate

Register

EU-GDPRcompliant


Example programs

Government and Industry sponsored initiative to return all data to citizens

via digi.me Foreign corporations can develop their PDE Applications in this ‘Lab’

LIVING LAB: ICELAND INNOVATION

Companies are building Apps on

the digi.me platform

SECTORS

HEALTHCARE

INSURANCE

TELCO

BANKING

HARDWARE


Example: Creditworthiness

• Calculate local Financial Health Score

• Data minimization as processing local to member

• Help user understand history of score and how to improve

• Can ask to share score to offer loans, etc


Health

-

Patient Centricity

–

helping the entire health ecosystem


US programme – over 6M patients to date

Returned GP note data to patients

Many upfront GP concerns

However result was

Improved patient understanding

Better relationships (with doctors)

Improved health

At the end

99% of patients wanted to continue sharing notes

and no doctor asked for the notes to be turned off


Multi-use local Health app• The ‘meHealth’ App will be a sector leading, intuitive and

highly useful healthcare application. This App will be given to patients to encourage them to download their healthcare data in order to share it with 3rd

parties. • This will be created by a consortia of companies for

commercial use in their own industries and geographies


Patient centricity benefits


Taking just one health item: futility analysis


30

US PoC – Pharma business

Phased Approach

Phase 1: Feasibility - Proof of Concept (PoC) phaseThe purpose of the PoC is to establish the key components, demonstrate the technical capabilities and explore perceptions of the Personal Data Ecosystem developing the business case for Phases 2 and 3.

Phase 2: Viability - Make it real Having established that the approach is feasible and explored the key issues around individuals and the business, phase 2 will seek to establish a working model to demonstrate the business case is viable.

Phase 3: Scale out and wider adoptionHaving established the viability of the business case and demonstrated the operating model and economics, phase 3 will be see the approach scaled out across other healthcare providers.The primary focus of this phase will be the continued lobbying for change and supporting the implementation processes across the US.


Private sharing – here today

• ANY company now how can have access to RICH data about an individual

• What are the use cases in insurance:

• e.g. health: Streamlined onboarding; client health improvement; better risk assessment; ……….

• e.g. motor: Private processing of driving behaviour –increased engagement; …..

• e.g. {………. Fill in the blanks …………..}

• Opportunity to move from Transaction to Engagement


maximum

privacy

maximum

sharingand

- do more, privately

Better for individuals, businesses & society


digi.me – do more, privately

Reduces• Burden of sharing

• Compliance / governance

• Cost

Increases• Richness &

quality

• Relationships & Trust

• Opportunity & value

Putting the individual at the centre of everything we do :


Get in touch

Julian Ranger

+44 7802 207470

[email protected]

mailto:[email protected]


Appendix

• Principles

• Data Types

• Technology Components

• Spectrum of Sharing

• Free/charges

• Health care data – normalisation

• Security

• GDPR


digi.me principles

Privacy

• Digi.me is 100% private because we never

see, touch nor hold your data.

Only you do that.

• Neither do we ever sell or trade your data

(we can’t as we don’t see, touch nor hold

it)

Security

• The very best security is our priority, built

on the solid foundations of distributed

architecture and the encryption of data and

communications

Interoperability

• The ability to bring together data

from a wide range of sources lies at

the heart of digi.me, but that

doesn’t mean your information

becomes locked inside it

• Digi.me will promote ways of

making data accessible and usable

across different formats and

methods of exchange, and support

international standards and trust

models


Example data types

Social networks - Facebook (inc. Pages), Twitter, G+, Instagram, LinkedIn, Pinterest, Flickr, RSS, etc

Health records - Initially Iceland Living Lab project & US - Direct & Blue Button, Others through 2018

Financial - Banks, Insurers, Credit Unions and Credit Card firms – initially US & Europe

Wearables - Fitbit, Apple Health, etc

Retail and FMCG - Loyalty card profiles, Online shopping behaviour

Media / Entertainment - Film, music, behaviour, Informational interests (news, books, magazines)

Telecom sector data - Calls - text messages, location, Geolocation service providers, Social check-ins (phone/other sources)

Energy sector - Smart meters

Internet of Things - Device intelligence

Transportation - Oyster Card, Frequent Flyer


digi.me Technology Components

PC/MaciOS Android

PersonalStorage

DropBoxOneDrive

GoogleDriveNAS

vPC

PACE

UniversalSyncEngine

EXTERNAL DATA SOURCES

Business

INTERNET

DEVICEINDEPENDENT

COMMON DATA ACCESS

MOBILE OPTIMISEDHIGHLY EXTENSIBLE

DATA OBJECT STORAGE

DATA NORMALISATION TECHNOLOGY

CLOUD TO LOCAL

STORAGE ACCESS MODEL

CLOUD BASEDDATA PROCESSING

WORKFLOW

MULTI-DATAPERMISSIONED

ACCESSCLOUD ENGINE

CLOUD BASEDMULTI-DATA

SYNCHRONISATIONENGINE

HIGHLY FLEXIBLEDATA CONNECTORS

PARTNERINTEGRATIONCONNECTORS

Personal Infrastructure Rest of World

digi.me the company never sees, touches or holds your personal data


Spectrum of Sharing

Identifiable

Anonymous

Process on boardResults off board

Off boardOn board

1 3 5

2 4

Data on personal device / infrastructure

Optimumprivacy

Controlledprivacy

Off device


Is it free?

For individuals– Yes

For organisations receiving shared data:

USD 0.10 per data share

Capped at USD 3.00 per user, per organisation, per annum

So an organisation never pays more than USD 3.00 p.a. for unlimited client engagement, lead generation, etc.


Access to Health Care Data

Digi.me Health

Ontology

Via GP systems

BB, CDA, API National API Hospital Group API


Military Grade Security

- through architecture and best practice

Data is distributed to each individual

No central honey pot to attack

Data individually encrypted in each

location (random no & master key)

No single key / access point

Permissioned data transfers all peer-to-

peer with public/private key encryption

https://www.google.co.uk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiSwY-Qto3MAhVL1RQKHbHEBVkQjRwIBw&url=https://shankaraman.wordpress.com/tag/creating-public-and-private-key-using-gpg/&bvm=bv.119408272,d.d24&psig=AFQjCNG4Y18yQQqUu1rP7eUm1GZClYUO-A&ust=1460698995396209

https://www.google.co.uk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiSwY-Qto3MAhVL1RQKHbHEBVkQjRwIBw&url=https://shankaraman.wordpress.com/tag/creating-public-and-private-key-using-gpg/&bvm=bv.119408272,d.d24&psig=AFQjCNG4Y18yQQqUu1rP7eUm1GZClYUO-A&ust=1460698995396209


GDPR: the legal game-changer

The new EU General Data Protection Regulation comes into

force on 25 May 2018.

Four key provisions:

Privacy by design

Explicit & Informed Consent

Data Portability

Right to Forget

digi.me’s Consent Access is “beyond legal” – complies with and

enables businesses to comply with GDPR

With digi.me GDPR can be an opportunity for businesses to gain

a competitive advantage.


Basic Copyright Notice & Disclaimer

©2017 This presentation is copyright protected. All rights reserved. You may download or print out a hard copy for your private or internal use. You are not permitted to create any modifications or derivatives of this presentation without the prior written permission of the copyright owner.

This presentation is for information purposes only and contains non-binding indications. Any opinions or views expressed are of the author and do not necessarily represent those of Swiss Re. Swiss Re makes no warranties or representations as to the accuracy, comprehensiveness, timeliness or suitability of this presentation for a particular purpose. Anyone shall at its own risk interpret and employ this presentation without relying on it in isolation. In no event will Swiss Re be liable for any loss or damages of any kind, including any direct, indirect or consequential damages, arising out of or in connection with the use of this presentation.

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