 So, nice to be here. We're going to talk a little bit about the OpenWallet Foundation and what we're doing there and why this is important. But before I start, it's probably just useful to introduce ourselves a little bit more, give a little bit more context. So I've got mentioned I do identity, I also try to make sure that the identity works really well in payments, but Ola, you have quite an interesting job as well. Yes. Hi, everyone. My name is Ola Bernhard. I lead the developer relations team at Google for Google Pay and Google Wallets, so we work very closely with open source and very glad to be here. I also have an extended role where I represent Google, of course Google Wallet, but also Android and Chrome on the OpenWallet Foundation that Google recently joined. Yes, so let's talk a little bit about wallets before we get into the details of the OpenWallet Foundation. So, we know that wallets are, you know, the rapid digitalization. You have everything now on your mobile phone, your tickets, your cards, your boarding pass, your loyalty cards. I mean, my wallet has certainly got a lot slimmer, putting everything onto my phone. But what the wallet actually is, is more like an ecosystem. It's very much dependent on that loyalty card, the provider of that loyalty card, whether that was Waitrose or British Airways, can push it into the wallet. And again, when I come to the store, you know, Lufthansa, I can scan the boarding pass and so forth. So, it's an ecosystem. It's a trusted ecosystem as well, and it's a consumer's tool to interact with the digital world. So, it's pretty important. And in that context, the role of open source to create and to make sure that that ecosystem works based on open standards, I think is invaluable. It's also, like Gabel's mentioning, a very good opportunity for governments to participate with private sector to work to find solutions that are regulatory compliant, protecting their consumer and so forth. So it's pretty important. I know that there's some topics that are very close to you in terms of security, accessibility and so forth. Can you share some with us what your thoughts are and what Google is doing? Sure. Yes, so it's exactly true. So I think we are at the turning point where digital identities and digital wallets are becoming more and more important to global economies, to users and to governments around the world. So I think it's really important for us to think about what are the wallets that we would want to use? How would we want to use digital identities in the future? And I think anyone working on digital identities and digital wallets, to state the obvious, I think we need to think about making sure that we're building solutions that are highly secure and privacy preserving, right? And we at Google and also the Android security team, I think we're spending a lot of time to think about how do we make sure that we provide the right tools and open source reference implementations that can be used by the ecosystem to accomplish that goal. So for example, the Android security team is working very closely with secure element vendors around the world to build open source, hardware backed security applets that can be used for just new and upcoming use cases. So if you are interested to learn more, you can search for the Android ready SE, which is a, that's where Google also collaborates, as I mentioned with the SE vendors around the world to make sure that those technologies are available on Android across the world. Because I think, you know, there's one thing about making sure that we're building highly secure solutions that are available to everyone, right? Because we can be thinking about building very secure and privacy forward solutions that might be only available on a portion of Android devices. But I think if we want to build something that's truly beneficial and meaningful to everyone everywhere, I think that the broad accessibility is really a big topic and a big challenge for everyone. And then there are things like interoperability, right? And I think making sure that whatever solutions we're building the way how users will interact with those digital wallets and digital identities are ensuring that there is a good user experience across use cases, but also across borders. And I think interoperability will play a really important role in this area. Yeah, and it's very reassuring to hear all the efforts being put in on security. I know, so I spent a lot of my time in working on the European digital identity wallet, one of the headaches, how do we make sure that that works with payments is quite exciting. And I know one of the big concerns is making sure how can that satisfy the highest levels of assurance. So that's a harder back security. That sounds like a step in a good direction that will be appreciated. I'm sure, I'm sure. It's one of the big challenges. I just wanted to pick up, you started to talk about interoperability. I just wanted to pick up on that one. That's kind of what we do at Visa. It's kind of a part of our DNA. You know, we know, so for instance, for example, with cards being the obvious one, you can use your card in India. You can use it in Bilbao. You can use it in San Francisco. It works, right? It just works and it charges you exactly the right amount. That is one example of interoperability. You have another one. You can use your mobile phone everywhere. Whether that's again here in Spain or whether that's in the US. Again, a good example of interoperability. And underpinning these kinds of interoperability is technical agreements, standards, code that's developed that can work on all sorts of different platforms. And there are business processes. There are commercial agreements to underpin that as well. And I think that's going to be essential. So you can take your wallet and use it anywhere. You can share credentials or share information between wallets as well. So I just wanted to give one example. We just recently in the US allowed a Venmo holder and a PayPal holder to send money, person to person sending money. And I think that's kind of cool. It's one of the first places I've seen. And I'm an avid user of my VIPs wallet in Norway where I live. Fantastic service. But it doesn't allow me to send money to another wallet holder, like a Swedish one or a Bizim wallet holder here in Spain. So very much looking forward to working on the interoperability challenges, I think, together. We really need to make sure that any credential can work in any wallet and any relying party can access that wallet as well. So it's really about putting the consumer in the center. So we talked a bit about the consumer choice, the security, touch and privacy, a lot of interoperability as well. So let's now go back to the open wallet foundation. That's where we're hoping, I think, to address some of these challenges. So before we share some exciting news, I know you have a lot you want to share, why did Google join the open wallet foundation? What's important from your perspective? Yes. So I think Google has a longstanding commitment to building open interoperable solutions. That's also the ethos that we apply to Google wallet. And I think this is in a time where we will live in a multi-wallet ecosystem. I think it's really critical for us to come together as an industry to think about what are the gaps, what are the missing building blocks that we can make available to developers to make sure that we're building solutions that are comprehensive, that will be available to users everywhere around the world, independent of which device they use, and independent of their level of digital skills, and making sure that those solutions are interoperable across borders. For example, we all are global citizens. We travel across borders. So think about how can we use our digital passport, our digital identity to combine it with your fly ticket when you check into the hotel to get your digital keys, all from a single place without the friction as a consumer. And I think that's going to be a big challenge on how do we solve this across multiple use cases and across borders? How do we make it easier for issuers and for relying parties to accept digital credentials across borders again and across wallets? So I think there is a lot of work that needs to be done, and I think we all have a role to play in it. I believe that Open Wallet Foundation can be this global forum where the technology companies developers, governments, nonprofit organizations can come together in a dialogue to think about how what is needed, and out of the many different reference implementations that are being put together around the world, how can we provide those building blocks for governments and for developers around the world to make sure that we accomplish these goals. And I think we're very excited to also contribute our experience from the Google side, from our experience building a global interoperable multi purpose wallet, and also from the Android team to think about how do we make sure that we build highly secure solutions, privacy forward solutions that are available to everyone everywhere. What about you, Marie? How do you view this from the visa perspective? Yeah, why did we join? So it's all in two reasons, really. From our perspective, the wallets really are, as I mentioned in the beginning, the way that consumers interact with digital services. The takeover of wallets is impressive. It really is becoming everyday tool. It also means that it needs to be a good way to continue to pay. And it's still interoperable with existing payment systems. It handles a choice of payment for the consumers really well, whether that's card or whether that's account. So being part of that journey and making sure that consumers are being put in the centre, they're given the choice protecting the privacy, contributing what we can and what we have in terms of standards and guidelines and capabilities, again, here to participate really. So, yeah, I wanted to also mention we had an extended board meeting yesterday, which was quite exciting. It's always nice to meet in person. And one of our fellow board members painted a vision for us. I just wanted to share it because I thought it was so cool. In the future, thanks to the Open Wallet Foundation, if I can get in to go to a new city and I don't have to download anything, but I can get the bus pass straight into my open source code based wallet, I'll be really excited. Then I don't have to take a taxi anymore. So I guess it's sustainable as well. That'd be kind of cool. Any city, any bus ticket, any wallet. So you mentioned some of the code that you have been donated. Do you want to talk a little bit about that? Maybe share some more details? It's quite exciting. It is. Yes, exactly. So I think it's the success of this foundation and this initiative, this project will really depend on the code, on the open source code and components that we're making available to the community, to the global ecosystem. And so we also want to contribute code and actually we made an announcement yesterday that we decided to contribute the Android Identity Credential Library, which is actually a set of libraries and a sample wallet and a verifier application which deals with real world identity. So anyone building solutions for digital identity can leverage this library and kind of think about how or see reference implementation from provisioning, storage, presentment and verification of digital credentials. It's not restricted to Android. It's not restricted. It was originally meant to work with MDock and MDL, but it can be used for any, it's not restricted to specific standards. So I think it can be broadly used across a number of use cases. Yeah. But I think we also had more announcements yesterday, right? But that's a really good beginning. It's a bit like everybody's chipping in a bit what they can and then we create something bigger together. But we have a few more, as you're saying. Ping Identity just announced that they are also sharing their credential format presentation. And there's a few more capabilities as well that they're sharing. The same with Asatus and Neosphere as well. They have a wallet framework. This used to be the Hyperledger ideas. And it's a nice example of how this collaboration across Linux projects as well. There's a lot we can learn from each other. There's a lot that can benefit whether it's wallet or whether it's some other domains. So very much looking forward to, I think, to strengthen that collaboration as well across different Linux projects. We also have two new members. I know I've already hinted at that in his opening note. There's a blockchain for good. And again, I think there's a lot of interesting use cases and new capabilities coming with them as well. And Microsoft. Which I'm really excited about. And I think we're going to hear a lot more from Microsoft as well in future discussions. Their immediate interest is in going to solve the security challenges across the wallets and issues and verifiers. One of the really key and fundamental problems. I'm looking forward to hearing more about this. This is kind of hot of the press I think from this morning. So there's much more to come. And do feel free to reach out to them as well. So security really is one of the priority topics. I also just wanted to highlight the other, you know, it's not just companies that are working together, developers. It's also the government. As well as associations, industry associations, standard organizations as well, like the OIDF and the FIDO Alliance. In terms of governments, the UK recently joined. Which is really exciting. They're also just now planning to, they're also working on how the wallets can work with the identity framework that they've been establishing. And again, trying I think to get some interoperability with the EU. Which means I think as a foundation open source based, you know, in terms of developing problems, real problems. It's really a good arena for collaborating across governments as well to ensure that interoperability and to ensure common solutions as well. So yeah, that's going to be an exciting new future. And this is just after six months. I was just going to say, yeah. Yeah, I think it's fantastic that we can come together across technology leaders. But exactly as Maria as you said, I think it's a cross industry collaboration is required and I think everyone is welcome, right? So it's an open foundation. And I think the fact that we already after six months as you mentioned that there are major technology companies that are involved in digital identities, but also governments and nonprofits that are coming in this discussion, I think that's it's exactly what's needed right now because I think it's an opportunity to shape how we will all interact with digital wallets and digital identities in the future and I think we need to have this global dialogue today in order to set that foundation for how digital wallets are going to look like in the future. Yeah, very much agree. So as we see the wallets are the consumers tool, they're their way of interacting with the digital services, they deal with real data, they're trusted in order to have a wallet you need to be properly onboarded they're also valuable in terms of transactions so it also means it can be misused. It is a control point in the ecosystem so therefore one of the guiding thoughts we have within the Open Wallet Foundation as well is the consumer how do we find solutions that are putting the consumer in the center, striving towards privacy protection, security interoperability and a consumer choice and we very much invite anybody who's interested in joining, there's a lot of work to be done making sure that we are solving those major problems. Anything you want to add at the end before we So, yes, I think the next few years are going to be very critical in building the future of digital identities and I think Marie you already mentioned it that it's when we're building solutions, let's think about the user. How would we want to interact with digital identities with digital wallets in the future as a user? Let's think about comprehensive making sure that wallets are comprehensive that they protect our privacy and security but also making sure that they are broadly available and accessible across borders so I would join Marie also with the call here to say that we all are responsible for and I think anyone working on digital identities I would welcome you to join whether it's a technical discussions with a technical advisory board it's an open forum where anyone can join contribute and also work together on new solutions but there's also the Government Advisory Council if you are interested in discussions and thinking about how are we solving this for my country if you're a developer or a technology company I think this is really the time for us to come together and think about how do we build digital wallets that we all want to use in the future That's great Thank you very much and hopefully in subsequent Linux forums or other places we will give updates on the great work being done on solving these challenges and all the technology solutions that are being found Great Thank you so much Ola It's a pleasure to have you here Thank you