GPSJ Autumn 2024 ONLINE - Flipbook - Page 23
TRANSPORT
GPSJ
which improvements are needed.
Their policies should be updated
in line with changing regulations to
avoid penalties and legal issues.
Many regulations, despite being
clearly defined, are technologyneutral, so companies need
to be prepared to justify their
technological choices.
The UK’s MaaS roadmap
criminal seizes control of another
person’s genuine account. In terms
of MaaS, onboarding requires
document and identity verification –
but that does not prevent account
sharing between users. So, it is
vital to authenticate users every
time they wish to ride or drive
a shared vehicle. With step-up
authentication, frictionless KYC
processes can be done simply by
using facial recognition, as easy
as FaceID on an iPhone. This will
provide added layers of security
to prevent account takeovers,
reducing instances of fraud and
improving safety.
Pay attention to the regulations
MaaS providers must use the
personal data that they take
from users responsibly. Remote
identification verification needs to
adhere to anti-money laundering
(AML) laws as well as other local
and global KYC regulations and
data protection laws such as GDPR
and Combating the Financing of
Terrorism (CFT) guidelines.
They must also conduct regular
audits to ensure they remain
compliant and identify areas in
In August 2023, the previous
government published new
guidelines for MaaS providers
ahead of substantial anticipated
growth of up to 50,340,000 shared
vehicle users by 2027, according
to Statista.
With the Department for
Transport’s aim of cleaner, safer
streets via MaaS solutions, which
also support the transition to net
zero, there is also a recognition that
trust must be embedded in MaaS
from the very start if it is to flourish
here as it has on the continent
However, every city in the UK
is different. We cannot duplicate
a MaaS scheme from one city to
another. This means that MaaS
providers must collaborate closely
with local authorities to design,
build and regulate a tailored MaaS
offering for their principality.
Integration of transport services
into a single, accessible platform
that allows for the planning of and
paying for seamless, multimodal
travel for these millions of users
will be key. But for this to happen,
and for the required trust to
be cemented, robust identity
verification which can tackle misuse
and fraudulent activity is vital.
A collaborative future
By working closely with identity
verification vendors, MaaS providers
have the opportunity to increase
customers’ confidence and loyalty
in their service as they make it clear
that they take the fight against fraud
seriously.
Seamless, frictionless user
experiences can lead to higher
adoption rates while enhanced
security helps to mitigate the risks
associated with data breaches
and identity theft. Similarly, the
personalisation afforded by easy
onboarding will lead to greater
customer satisfaction.
The future holds promise for both
sets of providers too. Biometric
usage will continue to enhance and
streamline services for end users
while AI will continue its charge into
this area, with its ability to offer realtime analysis of human behaviours
to detect fraud and unusual activity
For example, our IDnow UK Fraud
Awareness Report 2024 showed
that almost two-thirds of Brits
(63%) are already using biometric
technology, such as fingerprint
scans or FaceID, to unlock access
to their online bank accounts,
or approve bank transfers, with
another 10% planning on using it in
the future. This suggests a strong
level of trust in this technology
and the convenience it offers in
the banking sector – with nothing
stopping its use to access MaaS
offerings.
There is also expected to be a
rise in demand for mobile identity
verification solutions, such as
digital wallets, which allow a
person to verify themselves using
their smartphone, making the
onboarding process much easier
and more efficient.
Before this can be implemented, it
is crucial for cities to create a MaaS
network, in which a digital identity
for one area can be shared across
multiple mobility providers. A good
example of this in practice comes
from the French city of Nantes,
which is currently implementing a
MaaS network whereby users’ data
– identity documents and driving
licence – will be shared on demand
with multiple mobility providers each
time they wish to access a vehicle.
This provides seamless integration
between identity verification and the
ease of the service.
The next step will be to make
this MaaS network interoperable
between city, area or country via a
digital identity or wallet capacity.
What remains true is that
convenience without compromising
security continues to drive user
experience. As such, MaaS
must be designed to meet these
accessibility demands for traction to
be gained in the UK.
Collaborations will lead to
ecosystems with enhanced MaaS
offerings with improved security and
reliability. Who can’t get on board
with that?
GOVERNMENT AND PUBLIC SECTOR JOURNAL AUTUMN 2024
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