Richard is a Senior Policy Advisor for the FLA, specialising in fraud related issues within consumer credit, anti-money laundering and a number of other key issues for the consumer credit industry. He is also on the main Board and Editorial Board of the UK’s Joint Money Laundering Steering Group (JMLSG).

Phillip is Director of Digital Technology and Innovation at UK Finance, the trade body for the financial services industry. His portfolio includes digital identity, payments innovation, new digital money and open banking/finance.  Before that, Phillip worked at Payments UK on payments regulation and strategy.

He has a public policy background – at the Local Government Association leading on local government finance and public service reform. Before that at HM Treasur...

Jonathan is an industry veteran who joined the Payment Systems Regulator in January 2021 as an expert advisor on payments processing, fraud prevention and identity management. He works closely with colleagues in policy development to support the PSR’s three statutory objectives of choice and availability for service users, competition, and innovation and development of payment methods.


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Luella assists with the Policy and Regulatory Affairs work at the BGC, including leading on Safer Gambling Week.

Luella joined the BGC in July 2021 as a Policy Officer after graduating from the University of Bristol with a degree in English Literature and Philosophy.

As President of the Digital ID & Authentication Council of Canada (DIACC), Joni builds on 15 plus years of experience in Digital Identity innovations and standards development. She helps DIACC to fulfil its vision of unlocking interoperability of public and private sector capabilities through the establishment of an i...

Please visit our “About” & 'Find out More' pages.

Join HERE

OIX encourages membership from all elements of the ID ecosystem.

If you are a provider of identity services or a representative of an organisation that relies on verified IDs within its business processes, your input into the development of our guidance on trust frameworks and interoperability will be hugely valuable.  

Whether from the public or private sector, a regulator or trade association, media or analyst,

Open market models underpin the development of a sector that is innovative, competitive and focused on user needs. This includes:

More choice for eCommerce and product managers about the policies that they apply to user interactions.

Market pricing for products and services across the entire identity infrastructure.

Economies of scale as service standardization lowers costs for all parties

A more inclusive approach as the needs of diverse users are actively con...

Yes, the key challenge to providing identity assurance at scale is removing the need for direct trust agreements between ID services providers and those who rely on IDs for their business processes. OIX is a membership community for all those involved in the ID sector. Vendors and clients, regulators and influencers connect and collaborate to develop the rules, tools and confidence to create Trust Frameworks for identity in order to accept universally trusted identities.

OIX is an associate member of the Open Wallet Foundation (OWF). This new, collaborative effort will develop open source software to support interoperability for a wide range of wallet use cases, including making payments, proving identity, storing validated credentials such as employment, education, financial standing, and entitlements — to enable trust in the digital future. 

Frequently Asked Questions about Digital ID

Is data safer in a Digital ID?

A key approach to Digital ID is decentralization. This means the users data is not kept in one central database that may be vulnerable to attack. Instead, a distributed approach means the user’s data is kept in a protected format on the user'...

A digital identity: 

• is a collection of digital credentials that have been verified, including identity credentials, such as an ID card, passport or driving licence, and eligibility credentials, such as education certificates, covid tests or covid vaccines records
  
• should use a recognised standard to verify evidence of an identity presented by a user in an online verification cycle
  
• might derive information from users' credentials, such as ...

The identity industry, just like any another industry, loves to use its own specialist terms. This often causes confusion as every term with broad meaning may have a specific definition in the identity ecosystem. This list of terms and their identity industry meanings should help bring clarity in this space. More information on how the identity ecosystem works can be found in the

Digital ID provides you with continued access to the latest ID proofing techniques and credentials. ID Providers will continuously innovate to ensure they maintain their customers, end users and organizations like you.

Digital ID balances the following fundamental needs of a service provider:

There are a number of key stake...

My experience in work with various organisations across data, application and infrastructure architecture, my leadership of technical standards in the OpenID Foundation, as well as direct implementation experience ofcustomer and workforce identity systems all give me a solid foundation to contribute from.

I am interested in the tensions between matters of privacy and protection of end-users and the challenges of commercial and governmental use, and misuse of data as ...

Driving pre-sales and consultancy activities across multiple verticals, new markets and across Synectics's broad range of capabilities.



Chris' main focuses are around Digital ID, public/private sector interoperability, machine learning, enterprise risk management and collaborative data/intelligence sharing.

Charlotte is Partnerships Manager, Innovation & Partnerships at NatWest Group.  She is responsible for growing strategic partnerships across the bank, and working on the next generation of products and services in a purposeful way.

John is responsible for ensuring Yoti develops a global commercial business and consumer identity ecosystem, creating a high-utility and trusted network which all types of businesses, charities and governments can securely interact with. A key part of this is bringing to market real-world scenarios where privacy-enhancing and consent-based digital identities can ethically transform operations, disrupt costs and empower individuals.

Across the globe there are major initiatives underway to establish the parameters for the safe interoperability of digit...

Every business, regardless of size or sector, will be impacted in some way by digital ID adoption.

The biggest and most beneficial impact will be on those businesses that will come to accept and rely on digital IDs – the ones that will nee...

UK, 10 March 2023 – Mitek, a global leader in digital identity veri...

The TBI “A New National Purpose: Innovation Can Power the Future of Britain”  

OIX was asked by the collective Trust Schemes in the UK to assess whether any additional data standards are needed for Digital ID presentation in the UK over and above the standard already published as part of the UK Digital Identity and Attributes Trust framework (DIATF). The OIX Data Standards working group undertook this assessment and came up with recommendations in the following areas:

...

A project may be formed (sponsored) by any member of OIX in collaboration with one or more other members. Non-member organisation may collaborate on an OIX project. All non-members are required to sign the OIX Participant Agreement (Link) to protect IPR.

There are three ‘costs’ associated with running an OIX project: Participation fee, Facilitation Fee and Project Funds.

Participation Fee: All participating organisations will pay a ‘part...

At all times, participating members and non-members in projects and white papers must observe the Code of Conduct.

This policy is to set out the principles by which OIX projects should be formed, governed and executed with the intent of achieving a desirable outcome and to set out the principles relating to the publication of white papers. The objectives are to ensure OIX Projects:

• Further Identity
  
• Are clearly aligned to the OIX’s vision, mission and objectives
  
• Are effectively managed within the limitations of the scope, resources...

A Member paper may be written by one or more OIX members. It should reflect a current issue or opportunity that is relevant to the purpose of OIX and is to further identity

A member(s) who wishes to write a paper and publish it through OIX, should initially produce a synopsis of the intended paper and present it to the OIX Executive Committee. The Executive Committee will provide comment as to whether it believes it is suitable and relevant and, if not, offer informe...

A project report reflects the outcomes of a project. It is written by an author who should be appointed on commencement of a project.

A project report is published to an international community. It should be concise and written for a predominantly business-level readership. Industry jargon should be avoided. It is good practice to include a glossary.

Additional project material may be published alongside a project report. This may include techni...