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DATA & ANALYTICS

                                                     5.4B
                                   2.2B              People with
                                   People with       mobile phones                     MOBILE
                                   landlines
                                                                                       GROWTH
                                                                                       CONTINUES
                                                                 5.3B                  THROUGH
                      2.8B                                       People with

                      People with                                electricity           2020
                      cars
                                                                                       By 2020, more people
                                                     4.5B                              will have mobile phones

                                                     People with                       than electricity at home
                                   4.5B              bank accts
                                   People with                                         SOURCE: CISCO 2016
                                                                                       VISUAL NETWORKING
                                   running water                                       INDEX FORECAST



        smart refrigerator – this interaction with the        For example, global airline employees logging

        device represents the consumer’s behavior             in from around the world or call center workers
        which may be used for authentication. When            sharing devices, accounts, and devices may
        our behaviors become extensions of our                activate alarms. Equifax data scientists and
        identity – how we walk, talk, or order food –         fraud experts developed a solution to isolate

        authentication and verification solutions must        the noises from the signals.
        distinguish between what is signal and what is
        noise.                                                STATIC IDENTITY SOLUTIONS CAN
                                                              NOT COMPETE
        SIGNAL AND NOISE LIFECYCLE                            As consumers change devices, social
        Given we all are using device related signals,        media accounts or other extensions of their
        a logical point of reference can be mobile            identity, identity solutions must recognize

        devices, which are used to interact with              the consumer’s identity is just as dynamic.
        businesses as well as verify and authenticate         If businesses do not anticipate the liquid
        identities. These same identity signals evolve.       nature of today’s consumer, the business will
        Some of the signals may evolve into noises.           constantly play catch up.



























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