This white paper explores the potential costs associated with a continued failure to develop better digital identity solutions in the UK. It sets out the potential costs of inaction, identifies the drivers shaping future identity needs, and draws on international experience to begin to explore potential solutions if the cost of inaction proves too great to bear. By doing so it seeks to provide senior stakeholders and decision makers – and those that brief and advise them – with further insight into the economics of action vs inaction, and to generate further informed discussion as to how the identity market might be developed in the future.