Presented at: Middle East Retail Forum: Reinventing Retail Growth in the Middle East. 28 – 29 October 2013 | JW Marriot Marquis Hotel | Dubai | UAE.

1. Retail Industry
Impact of Identity Management
Presented by Dr. Ali M. Al-Khouri
Middle East Retail Forum: Reinventing retail growth in the Middle East
28 – 29 October 2013 | JW Marriot Marquis Hotel | Dubai | UAE.
Partners in Building UAE’s Security & Economy
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Our Vision: Provide an integrated and advanced personal identity management system
that contribute to the transformation of the government and the economy and promotes
security and global competitiveness of the UAE.

2. Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concluding Remarks
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3. Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concluding Remarks
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© 2013 Emirates Identity Authority. All rights reserved

4. Introduction
• World is metamorphosing!
• New economies.. All industries impacted..
• Retail industry is in the throes
of out growing the conventional
merchandising ..
• Paradigm shift in consumer behavior
from an analogue to digital has
not only affected the mode of sale,
but also the marketing modes,
and all dimensions around it..
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5. The Retail and Marketing Transformation
• Immense impact
of digitalisation
Marketing
• Human paradox:
more time with
own selves.
• Internet and
Mobility:
reclusive while
being omnipresent on social
networks.
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6. Where are my Customers?
The Market Place is Crowded
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7. Where are my Customers?
The Market Place is Crowded
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8. The Retail and Marketing Transformation
The nature of technological developments is disruptive
Retailing
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9. Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concluding Remarks
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10. Who are my Customers ?
Potentially the entire 7.1 Billion population on the
earth constitute the customer base.
Studies: more retailers are going global to capture a
larger share of the $1.4 trillion e-commerce market.
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11. Who are my Customers ?
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12. Identify my Customer ?
Big Data technologies:
The next frontier for innovation,
competition, and productivity, but?
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13. DNA of Your Customer Experience?
Attracting and Retaining Customers
Colin Shaw
customers are driven by a set of emotional values..
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14. Hierarchy of Emotional Values
Pyramid of 4 clusters.. Relationship building
Source: Colin Shaw: The DNA of Customer Experience: How Emotions Drive Value
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15. Hierarchy of Emotional Values
Pyramid of 4 clusters.. Relationship building
Retailers
need to
know the
customer
more
closely
and more
personally
Source: Colin Shaw: The DNA of Customer Experience: How Emotions Drive Value
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© 2013 Emirates Identity Authority. All rights reserved

16. Do you know your Customer ?
Boston Retail Partners Survey 2012
32%
North
American
retailers
remain
unable to
identify
their
customers
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17. Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concluding Remarks
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18. Risks of Identity Theft
Identity fraud rises for 2nd consecutive year
- Overall identity fraud incidence rate and total fraud
amount by year
not knowing customers enough is fraught with risks and prone to frauds
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19. Data Breach
Multifaceted Threat to Retailers ..
Increase in Fraud rate among data breach victims
outpaces increase in overall fraud rate
with 1 in 4 data breach
victims suffering identity
fraud in 2012.
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20. Tablet ad Smart Devices Security
Most susceptible to fraud
Tablet Owners more than 80% more likely than all other
consumers to become fraud victims
- Fraud incidence by ownership of Tech Products
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21. Chip-N-Pin and Remote Payment Fraud
a crime on the rise in 2013
% of fraudulent transactions attributable to channels among
merchants accepting specific channels
authentication at the POS will help merchants avoid the chargebacks and fees to financial institutions
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22. Merchants Community
General acceptability of fraud, and little done to mitigate it!
Attitudes toward fraud by large e-Commerce, and Merchants
Inevitablity acceptance: input to defining risk appetite
Loss of opportunity:
largest sector to loose heavily: small and medium establishments
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23. Challenges in containing POS and Remote Fraud?
Need of fast Checkout at Retail ..
Top challenges in controlling international fraud in
2012 & 2013
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24. Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concluding Remarks
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25. UAE National ID for Verification of Customer ID
The need for a
mechanism to
ascertain the
identity
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26. UAE Identity Management Infrastructure
Advanced Authentication Capabilities
On-Site and Remote secure
and trusted transactions.
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27. UAE Identity Management Infrastructure
Advanced Authentication Capabilities
match-on-card and match-off-card features
& it facilitates Validation, Verification and
Authentication of an Identity.
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28. UAE eTrust Centre: Validation Services
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29. Online Validation
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30. What does this translate into?
National Validation Gateway ensures that not only are Identification
processes made seamless, enhancing service delivery, but also
vastly improve business processes leading to strong bottom lines.
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31. Identity Management Infrastructure
Potential Benefits to UAE Economy
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32. Supporting Mobility Smart Devices Usage
The upcoming features of the UAE ID Card
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33. Agenda
• Introduction
• Changing Face of Retailing
• Identity Theft
• Modern Identity Management Infrastructure
• Concluding Remarks
www.emiratesid.ae
© 2013 Emirates Identity Authority. All rights reserved

34. Need to Change the
Mental Map of how
Business should be
Performed!
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35. Dimensions of eBusiness Performance
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36. Dimensions of eBusiness Performance
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37. Digital Economy: Critical Considerations
To capitalise on the growing digital economy,
we need to consider:
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38. Conclusion
Identity Management is main vehicle for building sustainable economies
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39. UAE Validation Gateway: Your opportunity to explore
http://vg.emiratesid.ae
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40. Read our recent research from:
http://www.emiratesid.gov.ae/ar/media-center/publications.aspx
Thank you
Dr. Ali M. Al-Khouri
Director General | Emirates Identity Authority | UAE
www.emiratesid.ae | ali.alkhouri@emiratesid.ae | @DrAliAlKhouri
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© 2013 Emirates Identity Authority. All rights reserved