# Universal Wallet Infrastructure (UWI) — llms-full.txt > UWI (Universal Wallet Infrastructure) is an enterprise-grade digital trust platform jointly developed by NTT DOCOMO GLOBAL and Accenture. It gives enterprises a secure foundation to issue, verify, and exchange digital tokens and credentials across identity, money, and objects — bridging Web2 systems with Web3 capabilities such as tokenization, verifiable credentials, and decentralized identity. This file aggregates the full text content of universalwalletinfra.com (www.universalwalletinfra.com) as of June 30, 2026, generated for use by AI systems and LLMs. It is organized by site section, following the site's own information architecture. Site chrome (navigation, footer, cookie banner) is described once below rather than repeated on every page. NOTE ON SCOPE: This file covers all stable, infrequently-changing site sections (Home, About, Platform, Releases, Industries, FAQ, Whitepaper, Events, Get Started, Contact Us). Blog posts are maintained separately in llms-blog-full.txt at https://www.universalwalletinfra.com/llms-blog-full.txt, since new posts are published roughly monthly and updating this file on that cadence isn't necessary. See the "RESOURCES: BLOG" section below for the index and pointer. Primary domain: https://www.universalwalletinfra.com/ Contact: UWI.support@accenture.com LinkedIn: https://www.linkedin.com/company/universal-wallet-infrastructure/ ## Site-wide elements (present on every page) **Header navigation:** UWI (logo, links home) | About | Platform (dropdown: Services) | Releases (dropdown: Digital Identity, Verifiers, Issuers, Workforce Credentials, Digital Assets [Coming Soon, disabled]) | Industries (dropdown: Citizen Services, Employee Experience, Frictionless Travel, Trusted Financial Services, Heavy Industry) | Resources (dropdown: Blog, Whitepaper, Events/MWC, FAQ) | Get Started | Search | Contact us **Footer:** UWI logo and tagline "Universal Wallet Infrastructure" | Links: Home, About, Platform, Releases, Industries, Resources, Get Started | "Recognized by" iF Design Award (Branding and Communication Design) | "Working with" Pearson | Accenture x NDG branding | "UWI © 2026" | Privacy Policy link (https://www.accenture.com/us-en/support/privacy-policy) | LinkedIn link **Other persistent elements:** Cookie consent banner (Accept/Reject, links to Accenture Privacy Policy) | "Lia" — an AI-powered live chat assistant widget available site-wide --- # ============================================================ # CORE PAGES # ============================================================ # Home ## Hero **Universal Wallet Infrastructure** **Enabling Interactions. Empowering Trust.** The Universal Wallet Infrastructure (UWI) gives enterprises a trusted, secure foundation to confidently participate in the digital economy. By bridging today's Web2 systems with tomorrow's Web3 opportunities, UWI helps businesses unlock new value from tokenization, whether that's digital identities, payments, or assets. CTAs: Get Started (/get-started), Explore Our New Release (/digital-identity) ## Empowering a Trusted Digital World UWI makes it simple for enterprises to issue, verify, and exchange digital tokens and credentials across people, money, and objects, all on a scalable, interoperable platform. This opens the door to new business models, faster transactions, and stronger customer trust. - **Universal**: Unites identity, money, and objects across both physical and digital worlds, creating one consistent foundation for trusted interactions everywhere. - **Wallet**: Places ownership and control in the hands of users, letting them decide what information to share, with whom, and for how long. - **Infrastructure**: Equips enterprises with the core tools to build, manage, and exchange digital assets on an open, modular, and future-proof platform. CTA: About UWI (/about) ## The Digital Trust Journey A complete trust infrastructure journey - enterprise grade tools from foundational digital identity management to cutting-edge innovation that enable autonomous, privacy-preserving interactions at scale. Featured capability card: **Wallet Administration and Solutions** (Foundation) — Build and manage secure digital wallets, issue tokens, enable role based access. Ease onboarding with a ready to integrate solution. (5 cards in carousel total; only first fully visible) -> /digital-identity CTA: Explore All Capabilities (/services) ## Explore Industry Use Cases The current environment and trends necessitate businesses to transform their digital strategies. UWI can support businesses with their digital transformation in response to changing market conditions and shifting customer demands across four value themes. - **Citizen Services**: Enhance citizen empowerment and engagement by providing secure and easy methods of identity verification and digital forms of government-issued IDs. -> /industries/citizen-services - **Employee Experience**: Enhance employee satisfaction and productivity by delivering secure, seamless, and personalised digital experiences while streamlining compliance and reducing administrative burdens across the organisation. -> /industries/employee-experience - **Heavy Industry**: Enhance workforce safety and operational efficiency by enabling the secure verification of worker credentials, certifications, and site authorizations thereby ensuring only qualified people are assigned to safety-critical tasks, before permits are issued and work begins. Because in safety-critical environments, assumed compliance is not good enough. -> /industries/heavy-industry - **Education**: The way skills get recognized, carried, and trusted is changing. Digital credentials are becoming the standard for how education proves its value to employers, institutions, and the world. UWI is the infrastructure layer powering that shift, with trusted credential issuance and verification built for the speed and scale education now demands. -> /industries/education ## Latest News (carousel, 5 items) 1. **Retail Isn't Short on People, It's Short on Trust** (Blog) — Retail loses $890B to returns, 60% of shoppers abandon at checkout, and suppliers take weeks to onboard. The problem isn't tooling - it's that trust can't travel. UWI changes that. -> /blogs/retail-and-products 2. **Energy is Still Checking Paperwork, and it is Costing Billions** (Blog) — Energy operations still rely on manual identity checks and paperwork at critical moments of execution. Read how Universal Wallet Infrastructure brings enforced digital identity into operational control. -> /blogs/energy-is-still-checking-paperwork-and-it-is-costing-billions 3. **Why Identity Infrastructure is the Foundation for Next-Gen Government Services** (Blog) — Fragmented identity systems are holding governments back from seamless digital service delivery. Get to know how interoperable identity infrastructure can help reduce friction and enable faster, trusted digital services. -> /blogs/identity-infrastructure-foundation-for-govt-services 4. **Executive Perspectives: Building Trust in the Digital Economy** (Interview) — NTT DOCOMO GLOBAL CEO, Hiroki Kuriyama and Accenture Managing Director, Tejas Patel on regulatory momentum, legacy integration challenges, and the shift to user-centric digital experiences -> /blogs/ndg-ceo-acn-leader-interview 5. **How UWI's New Release Solves Today's Identity Challenges** (Blog) — The next decade of growth will be built on trust. And trust starts with identity. Our new release was designed for this — embedding verifiable credentials issuance, verification and management capabilities directly into systems. -> /blogs/new-release ## Discover UWI Essentials The go-to starter kit for everything UWI. (3 whitepaper covers, email-gated download form) ## The Future of Digital Trust is Here "Calling interested Enterprises and Technology Partners: Explore the transformative potential of UWI, our secure and interoperable foundation for digital identity, money, and objects. The power to shape the future of digital interaction is in your hands – Join the ecosystem today!" CTA: Contact Us (/contact-us) ## Navigation structure Top nav: About, Platform (dropdown), Releases (dropdown), Industries (dropdown), Resources (dropdown), Get Started, Search, Contact us Footer nav: Home, About, Platform (->/services), Releases (->/digital-identity), Industries, Resources (->/whitepaper), Get Started Footer: Recognized by iF Design Award (Branding and Communication Design). Working with Pearson. Accenture x NDG. UWI © 2026. Privacy Policy link. LinkedIn: https://www.linkedin.com/company/universal-wallet-infrastructure/ Has live chat "Lia AI assistant" widget. --- # About ## Hero **UWI Trust Infrastructure at Scale** **Empowering Enterprises to thrive in a Data-Driven, User-Centric World** The digital economy has outgrown traditional identity and data systems. Users demand control. Regulators demand compliance. Businesses demand innovation. UWI bridges the gap with enterprise infrastructure built on user consent, verifiable trust, and cutting-edge technology — from digital credentials to agentic AI. UWI transforms how you interact with customers, partners, and systems while future-proofing your operations. ### Stats (interactive cards) - **Trust**: 86% of consumers care about data privacy and want more control. Consumers now demand more transparency and control over their data. Enterprises that built trust into their business model will have a competitive advantage as trust becomes essential. - **Data**: 95% of executives agree new approaches to data management are needed. Data growth is driving new products and services but it must be balanced with stricter data privacy and security regulations. High quality verified data and privacy preserving data sharing technologies provide a path forward. - **Wallets**: 5.2B estimated global digital wallet users by 2026. New forms of digital identity, money and objects have led to the rise of digital wallets for storing, verifying, and using tokens and credentials. Fragmented solutions lacking interoperability hinder scaled enterprise adoption. - **AI**: $9T cumulative capital expenditures by businesses funding AI. We are heading towards a fully digital economy, that will be driven further and accelerated by AI, raising concerns around privacy, control and responsible AI risks. CTA: Get Started (/get-started) ## A Need to Address Interoperability for Enterprises Enterprises adopting tokenization and incorporating decentralized solutions into their business model face a key challenge, a siloed landscape. Siloed solutions with varying standards and application-specific networks create interoperability challenges and adoption friction for those seeking comprehensive, scalable deployments. ### Today vs Tomorrow (toggle panel) **Today**: The current data model constrains the value that consumers and enterprises get from the data economy as experiences are fragmented. - There is great complexity around data compliance - Bad data limits the effectiveness of services - Interoperability is being ruined by data silos - Lack of transparency is diminishing consumer trust **Tomorrow**: A user centric model serves as the connective thread across experiences and all aspects of an individual's identity, money, and objects - Ownership is built on having agency of your data - Trust is built on having transparency of your data - Security is built on having privacy of your data - "I have control, I see what you see, and you see what I see" ## How UWI Addresses This Need UWI provides enterprise-grade infrastructure for managing identity, credentials, and trusted data exchange. Our modular platform enables organizations to digitize credentials, streamline verifications, and build user-centric experiences while maintaining compliance, security, and interoperability. UWI supports enterprises at every stage of their digital trust journey. Five pillars: 1. **Wallet Administration and Solutions**: Deploy flexible wallet solutions—embedded SDKs, standalone apps, partner integrations, or white-label builds—that give customers privacy-focused control over their credentials and data. 2. **Credential and Token Management**: Issue tamper-proof credentials, automate workflows through enterprise system integrations, manage schemas, and monetize third-party verification access—all with seamless lifecycle management. 3. **Data Verification and Exchange**: Verify credentials with privacy-preserving technology and user consent. Orchestrate end-to-end workflows for acquisition, verification, and data exchange integrated with your business systems. 4. **Trust and Governance**: Manage trust registries, implement granular consent management, and establish secure communication channels with customer wallets—ensuring regulatory compliance and lasting trust. 5. **Trusted Intelligence Hub**: Leverage confidential computing, hybrid wallet architecture, dynamic consent frameworks, and agentic identity infrastructure to enable autonomous systems without compromising user control or privacy. CTA: See Full Capabilities (/services) ## How UWI Powers the Future of Data Exchange UWI creates a consent-driven exchange with users at the center. Data Providers issue verified credentials to Wallet Holders, who selectively share information with Data Consumers—your organization—on their terms. Network Operators ensure governance and compliance across participants. And UWI platform capabilities support each participant: wallet infrastructure for holders, credential management for providers, verification and exchange tools for consumers, and governance frameworks for operators. Diagram concepts shown: Verifiable Credentials & Tokens, Personalized Services & Experiences, Value Transfer. With advanced technologies preparing the ecosystem for autonomous, privacy-preserving interactions, this model eliminates centralized storage of sensitive data—reducing liability while providing access to higher-quality, consented customer information that drives better business outcomes. ## Why Should Businesses Care? UWI's capabilities enable a fundamental shift in how businesses manage customer data and relationships. By deploying wallet infrastructure, credential management, and governance frameworks, businesses unlock a user-centric exchange model that reduces liability, creates new opportunities, and builds competitive advantage through trusted, consented access to verified information. Four tabs (interactive, only first tab's content captured): - **Access Higher-Quality Customer Data** (active by default): UWI verification and exchange capabilities enable direct, consented access to verified zero-party data from customer wallets—driving hyper-personalized services and better business decisions without the liability of centralized storage. - Unlock Revenue Through Innovation (tab title only, content not captured/visible without interaction) - Enable True Interoperability (tab title only) - Reduce Privacy Liability & Compliance Costs (tab title only) ## Explore How UWI Unlocks Value See how UWI works across different industries, look at our latest releases, or see our latest news. - UWI Industry Applications -> /industries - UWI Releases -> /digital-identity - Latest News -> /blogs ## Join Us Be part of a transformative journey where trust, innovation, and data come together. By joining the UWI ecosystem, you'll collaborate with forward-thinking organizations, unlock new opportunities, and create impactful solutions. Together, we can redefine the future of secure and user-centric digital experiences. CTA: Get Started (/get-started) --- # Platform / Services ## Hero **Unlock Infinite Experiences** Universal Wallet Infrastructure incorporates a set of core capabilities that work together, enabling organizations and consumers to exchange information and value across trusted networks. ### Carousel (3 panels) 1. **A World of Customers** — Serve existing customers in new ways or reach new audiences. Leverage UWI to effectively serve existing customers in new and improved ways while also reaching out to new audiences, driving growth and competitiveness in the digital age. 2. **Your Use Cases** — Build an infinite number of end-user experiences (title only captured) 3. **Universal Wallet Infrastructure** — Access a core suite of enterprise-grade services and tools (title only captured) ## Five Capability Tabs ### 1. Wallet Administration and Solutions **Connect, Create, or Embed Wallets** Leverage enterprise-grade wallet SDKs/APIs or plug-and-play services to empower customers with secure, privacy-focused control over their data. - **Partner Wallet App**: A single option for a standalone mobile wallet app provided by a 3rd party UWI technology partner - **Embedded Wallet**: Seamless integration of wallet functionality into app using SDK with hybrid storage - **White Label Wallet**: Use wallet SDK to build customized, stand-alone wallet tailored to unique use cases with hybrid cloud storage - **Wallet App Options**: Allow customers to connect their own compatible wallets ensuring flexibility - **Wallet Administration App**: Stand alone wallet & administrative tools to help customers manage digital IDs, data and consent - **Shared Secure Storage**: Secure, unified storage for verifiable credentials and distributed ledger tokens designed for both admin wallet and wallet SDK ### 2. Credential and Token Management **Issue Credentials at Scale** Enable multi-party access to trusted data with tools to integrate enterprise platforms to analyze and manage verifiable credentials and tokens. - **Issue Credentials**: Issue verifiable credentials to customer wallets, giving them ownership of their data - **External Integrations**: Automate credential issuance with pre-built connections to enterprise systems - **Credential Monetization**: Monetize third-party credential verification by setting terms and pricing for data consumers - **Update Credentials**: Push updates to credential data, ensuring information accuracy during verification - **Schema Publication**: Create and update credential schemas and definitions - **Issuer Console**: Configure, submit to the trust registry, and issue approved credentials to customer wallets through the UI or API ### 3. Data Verification and Exchange Two sub-tabs: **Credentials** and **Task Flows** #### Sub-tab: Credentials **Access Data Directly from Customers** Privacy-preserving, consent-driven access to trusted credentials and issuers for data/value exchange, personalizing customer experiences and streamlining customer acquisition. - **Verify Credentials**: Verify authenticity & validity of a wide range of credentials, attributes, and zero-party data - **Integrated Credential Acquisition**: Trigger credential issuance by ecosystem partner directly from the credential verification app flow - **Verification Console**: Configure, request, and receive verifications from wallets via the UI or API - **Trust & Credential Registry**: Discover trusted issuers & credentials in the trust registry, understand authorizations, mapping & schemas #### Sub-tab: Task Flows **Orchestrate End-to-End Experiences** Design, test, and trigger Taskflows to orchestrate verifications, issuances, logic, and integrations. - **Preconfigured Taskflows**: Use predefined flows for customers to obtain and share credentials for common use cases - **External Integrations**: Automate verification triggering and data exchange with pre-built connections to enterprise systems - **Configurable Taskflows**: Customize verifications, business logic, and wallet interactions to facilitate credential acquisition & sharing, enabling policy compliance & exception management ### 4. Trust and Governance **Earn Trust through Transparency** Build lasting customer trust with transparent ecosystem and governance tools that ensure compliance across all network participants. - **Wallet Connections**: Request consent to establish persistent links with customer wallets for messaging and push notifications, with the option to revoke at any time - **Trust Registry Management**: Configure and manage your own registry - **Consent Management**: Use the compliance framework to inform users on data usage, enable attribute-level consent, and support requests such as the right to be forgotten ### 5. Trusted Intelligence Hub **Unlock Advanced Capabilities with UWI's Next-Gen Technologies** Build autonomous, privacy-preserving systems with cutting-edge infrastructure including confidential computing, hybrid cloud wallets, dynamic consent, and agentic networks operating over a trusted foundation. - **Verified Agent Identity with AWS**: Extend verifiable identity to AI agents operating across enterprise workflows, creating tamper evident records of which AI acted, under whose instructions, and using which model. Built in collaboration with AWS to ensure every agent action is authorized and traceable - **Confidential Computing & Secure Enclaves**: Process sensitive data with hardware-level protection using Trusted Execution Environments (TEEs), ensuring data protection in use - **Hybrid Cloud Wallet Architecture**: Combine on-device control with cloud automation—enabling seamless recovery, offline capabilities, and secure delegation without compromising user sovereignty - **Dynamic Consent & Delegation**: Move beyond static permissions with intelligent consent frameworks that build trust over time through connection, context, clarity, and control - **Agentic AI & Multi-Agent Networks**: Extend verifiable identity to AI agents and autonomous systems, enabling secure coordination across platforms, enterprises, and intelligent workflows - **Trusted Data Infrastructure**: Establish privacy-preserving data sharing where users maintain control over verified credentials, enabling high-quality zero-party data access with explicit consent and delegation ## Future Enhancements (Coming Soon, appears on every tab as side panel) Build lasting customer trust with transparent ecosystem and governance tools that ensure compliance across all network participants - **Hybrid Cloud Wallet Capabilities**: Deploy cloud-assisted wallets that combine on-device control with seamless recovery, automation, and always-available operations—without compromising user sovereignty - **Confidential Computing & Secure Enclaves**: Process sensitive data with hardware-level protection using Trusted Execution Environments (TEEs), ensuring data protection in use - **Agentic AI & Multi-Agent Networks**: Extend verifiable credentials to autonomous systems and agents, enabling secure coordination and trust assessment across previously unconnected platforms and enterprises CTA: Get Started (/get-started) ## Full Navigation Mega-Menu Structure (revealed via mobile/expanded nav) - About -> /about - Platform -> /services (Services) - Releases -> /digital-identity (Digital Identity), /digital-identity/verifiers (Verifiers), /digital-identity/issuers (Issuers), /digital-identity/workforce-credentials (Workforce Credentials), Digital Assets (Coming Soon, disabled link) - Industries -> /industries, /industries/citizen-services, /industries/employee-experience, /industries/frictionless-travel, /industries/trusted-financial-services, /industries/heavy-industry, /industries/education - Resources -> /blogs (Blog), /whitepaper (Whitepaper), /events/mwc (Events, MWC), /faq (FAQ) - Get Started -> /get-started --- # ============================================================ # RELEASES (DIGITAL IDENTITY) # ============================================================ # Digital Identity (Releases Hub) ## Hero **The Universal Infrastructure for Digital Trust** Whether you're starting from scratch or enhancing existing systems, UWI gives you enterprise-grade tools to issue, manage, and verify digital credentials — all built on open standards. CTA: Get Started Today (/get-started) ## Building Blocks for Digital Identity Core features that power your strategy - **Standards Compliance** ("Designed with global standards in mind"): Fully aligned with ISO 18013-5/7 standards for mobile driver's licenses (mDLs), ensuring trusted global interoperability. - **Credential Formats** ("Secure and verifiable"): Supports a growing set of digital credentials including mDLs etc. It offers full lifecycle management — issuance, revocation, and registry-backed validation — across W3C/IETF-compatible formats. - **Verification Capabilities** ("Trust without friction"): UWI enables proximity and remote credential checks, including privacy-focused selective disclosure, biometric verification, and passwordless login — making identity trust simple and secure. - **Integration Options** ("Plug and play, built to scale"): Built for developers and deployers alike, UWI offers flexible SDKs for wallets and verifiers. It works with existing systems and hardware, stores data securely on-device, and puts user consent at the core. ## For Verifiers **Combat Fraud, Ensure Compliance, Build Trust** Whether you're fighting bot abuse, verifying age for compliance, or streamlining customer onboarding, UWI provides the verification infrastructure you need. - **Verify Age**: Meet age verification requirements with privacy-preserving credentials that confirm eligibility—without storing or accessing sensitive data. - **Verify Humanity**: Prove users are real people with verifiable credentials from trusted sources—reducing fraud and bot activity without revealing additional personal information. - **Verify Identity**: Accept identity credentials that are already verified—removing redundant checks, accelerating access, and lowering operational cost. Stats (animated counters — values not captured because they animate up from 0 on scroll; site shows three stats: loss in online sales due to fake/duplicate accounts (citing 2024 Consumer Returns in the Retail Industry Report), losses annually to bot-driven ad waste (citing Design Rush, $238.7B in 2024 bot ad waste), and percentage of internet traffic from bots (citing Design Rush)). CTA: Verify with Us (/digital-identity/verifiers) ## For Issuers **Launch and Scale Digital Identity Programs** From state mDL programs to enterprise credential management, UWI provides comprehensive issuer infrastructure with full lifecycle control. - **Launch mDL Programs**: Issue, suspend, and revoke credentials with full lifecycle control—supporting national and regional rollouts. - **Streamline Citizen Service Delivery**: Provide seamless access to government services through one trusted identity—reducing fragmentation and modernizing services across departments. - **Drive Verifier Adoption**: Expand your verifier ecosystem by providing UWI's SDKs, drop-in components, and developer documentation for simplified adoption and integration. Stats (animated counters, values not captured): number of US states with enacted mDL legislation (citing AAMVA Jurisdiction Data Maps), hours potentially saved for individuals with digital IDs, and trillions in digital ID economic potential (citing McKinsey 2019 Digital Identification Report). CTA: Issue with Us (/digital-identity/issuers) ## See Case Study: Built for the Real World. Proven with Pearson UWI's connects issuers, wallet holders, and verifiers in a single, live ecosystem - validating the platform's capability to support workforce credential programs at enterprise scale. - **Workforce Credentials, Issued at Scale**: In partnership with Pearson, the world's leading lifelong learning company, UWI now powers workforce credential issuance and verification for enterprise programs at scale. - **Credentials Employees Own and Control**: Employees receive, store, and share verified credentials on their terms, with consent-based controls and full visibility into every request. - **Results HR Teams Can Trust**: Administrators get verification outcomes per person, per credential - eliminating manual requests, chasing responses, and second-guessing accuracy. Stats (animated counters, values not captured): percentage of employers actively looking for digital credentials when reviewing candidates (citing Accredible's 2025 State of Credentialing Report), percentage of managers who have suspected or caught candidates misrepresenting skills (citing Checkr's The Hiring Hoax: 2025 Manager Survey), percentage of employers citing skills gaps as primary barrier to business transformation (citing World Economic Forum Future of Jobs Report 2025). CTA: See Case Study (/digital-identity/workforce-credentials) ## Contact Form: "Ready to Transform Digital Identity?" Join leading governments and enterprises building trust with standards-compliant digital credentials Form fields: Full Name*, Company Email*, Your Message*, checkbox (opt-in to news/updates), checkbox (agree to Privacy Policy)*, Send Message button. --- # Digital Identity: Verifiers ## Hero **Verifier Tools Built for Real-World Trust** Fast, secure, and standards-ready credential verification for any environment. CTA: Get Started Today ## From Challenge to Advantage with Trusted Digital Identity Faster verification, stronger security, and seamless integration — enabling enterprises to solve critical verification challenges with speed, security, and confidence. - **Ensuring Human Engagement at Scale**: Easily distinguish real users from bots and prevent AI-driven fraud — protecting revenue, ad spend, and community trust. - **Compliance Confidence by Design**: Meet evolving identity verification mandates with built-in standards alignment, reducing risk while keeping user experiences frictionless. - **Seamless Fit for Your Existing Tech Stack**: Embed verification with APIs and SDKs — no costly overhauls or extra hardware. Now, with UWI, verification happens in seconds - seamless and secure on any device, across every channel, for every use case. (video/demo component with Pause control) ## Capabilities (feature list, likely with expandable detail not all captured) - Instant Proximity & Remote Verification: Scan credentials in person via QR codes. Verify remotely with cross-device, same-device, or native app flows. Deploy quickly with a white-labeled Verifier App. - Privacy-First Verification Requests - Real-Time Credential & Issuer Validation - Drop-In SDK Integration ## Built for Every Stage of Your Digital Identity Journey From first pilots to global rollouts — we meet you where you are. - **Getting Started Fast**: Launch in weeks with SDKs, templates, and expert partner support. - **Flexible Wallet Integration**: Connect existing wallets, embed our SDK, or build a custom wallet — all enterprise-ready. - **Scaling Without Limits**: Expand from pilots to enterprise-wide rollouts — future-ready by design. CTAs: Get Started Today, Explore Issuers (-> /digital-identity/issuers) ## Contact Form: "Ready to Transform Digital Identity?" Join leading governments and enterprises building trust with standards-compliant digital credentials Form fields: Full Name*, Company Email*, Your Message*, opt-in checkbox, Privacy Policy agreement checkbox*, Send Message button. --- # Digital Identity: Issuers ## Hero **Issuer Infrastructure for Scalable Digital Identity** Manage the full lifecycle of digital credentials from issuance to revocation with open-standard tools designed for national and cross-border programs designed for public and private sector issuers. CTA: Get Started Today ## From Bottlenecks to Breakthroughs in Digital Issuance From rapid credential delivery to built-in ecosystem growth and effortless interoperability — empowering issuers to scale programs, meet compliance, and expand adoption with confidence. - **Accelerated Credential Delivery**: Cut issuance timelines with automated, standards-ready workflows. Reduce operational overhead while delivering credentials — from licenses and permits to employee IDs, memberships, and service passes — at the speed your users expect. - **Ecosystem Growth, Built In**: Overcome adoption bottlenecks by making it easy for verifiers to integrate and use your credentials. Provide partners with ready-to-deploy tools, APIs, and standards-based frameworks that unlock more real-world use cases — driving value for verifiers and increasing program adoption. - **Interoperability Without Complexity**: Eliminate the silos of single-credential systems. Issue, update, and revoke across multiple standards and credential types from one unified platform — ensuring your program remains flexible, future-ready, and trusted across industries and jurisdictions. Now, with UWI, you can issue and manage digital IDs with speed, flexibility, and scalability built in. (video/demo component with Pause control) ## Capabilities (feature list) - Streamlined Issuance Across Credential Types: Issue ISO/IEC 18013-5–compliant mDLs and mDocs. Embed issuance into existing apps, portals, or business flows. Configure credential attributes to fit regulatory and business needs. - Frictionless Identity Proofing - Complete Lifecycle Control - Credential Management Portal ## Built for Every Stage of Your Digital Identity Journey From first pilots to global rollouts — we meet you where you are. - **Starting a new program?**: Launch quickly with issuance SDKs, ready-to-use templates, and expert partner support. - **Expanding your reach?**: Equip verifiers and partners to drive adoption across industries and use cases. - **Planning for the future?**: Support multiple credential types and evolving standards to support pilots and enterprise scale roll outs. CTAs: Get Started Today, Explore Verifiers (-> /digital-identity/verifiers) ## Contact Form: "Ready to Transform Digital Identity?" Join leading governments and enterprises building trust with standards-compliant digital credentials Form fields: Full Name*, Company Email*, Your Message*, opt-in checkbox, Privacy Policy agreement checkbox*, Send Message button. --- # Digital Identity: Workforce Credentials (Pearson Case Study) ## Hero **Workforce Credential Infrastructure Built for Enterprise Scale** Issue, manage, and verify workforce credentials across a single trusted infrastructure — now in production with Pearson. CTA: Get Started Today ## From Skills Gaps to Workforce Confidence As work becomes more complex and credentials more critical, organizations need infrastructure that makes issuing, holding, and verifying workforce credentials seamless - from first issuance to final verification. The Pearson case study shows exactly how. - **Credentials Backed by Verifiable Trust**: Unverified skills and qualifications create real risk, from bad hires to compliance failures. Every credential issued through UWI is verifiable, revocable, and checked against a trusted source, giving organizations confidence in every credential they rely on. - **Verification Without the Manual Work**: Chasing credentials, following up on responses, and manually checking accuracy takes time organizations don't have. UWI gives HR teams the tools to send requests, track responses, and get clear verification results without the back and forth. - **Works Across Multiple Credential Formats**: As credential standards evolve, organizations need programs that can keep pace. UWI supports multiple credential formats including JWT, SD-JWT, and mDoc, so organizations aren't locked into a single standard. ## End-to-End Workforce Credential Management For organizations issuing workforce credentials, can manage the full lifecycle of issuing credentials. **From Issuance to Revocation, All in One Portal**: Credentials are issued when triggered, delivered directly to the holder's wallet. The issuer can also fully manage these credentials to allow updates, replacements, and revocations - reducing operational overhead across the full credential lifecycle. ## Receive and Share Workforce Credentials Seamlessly For credential earners, receive workforce credentials directly in a UWI-powered wallet app and manage them in one place. Share only what's needed, when it's needed. **Collect the Credentials That Matter, Share When Needed**: Credential offers arrive directly in the wallet app, where earners can review, accept, or decline at every step. When a verification request comes in, earners see exactly what's being asked and by whom - sharing only what's needed. ## Verify Workforce Credentials at Scale For organizations verifying workforce credentials, send verification requests, track responses, and get clear results per person, per credential — without the manual back and forth. **Clear Verification Results Across a Connected Workforce**: Send credential verification requests to multiple employees at once and track responses. Get clear Pass/Fail results per person, per credential — with reminder and retry workflows built in for any outstanding requests. ## The Connected Ecosystem - Pearson Case Study UWI connects global learning and credentialing organizations with the enterprises that need to verify workforce talent. In this case study, Pearson issues professional credentials through Credly - its digital credentialing platform - while Accenture verifies those credentials across its workforce. To bring this ecosystem to life, meet Emi and Richard - two fictional characters who illustrate how UWI works in practice. Emi, a Cloud Architect at Accenture, claims her AWS certification from Credly and shares it with Richard, an Accenture HR lead, to secure a role on a new cloud project. Three sides, one connected ecosystem. ### Issuance journey 1. Emi connects to Credly via QR — Persistent connection established 2. Pearson triggers issuance — Via Credly issuance portal 3. AWS credential arrives — Delivered as offer to Emi's wallet 4. Emi accepts her AWS credential — Stored securely in her wallet ### Verification journey 1. Emi connects to Accenture via QR — Persistent connection established 2. Richard sends verification request — Staffing a cloud project, needs to verify Emi's AWS certification 3. Emi wants to join the cloud project — Her AWS cert isn't in her wallet yet, she heads to Credly to claim it 4. Emi shares her AWS credential — Responds to Richard's request 5. Emi passes — Richard staffs her on the cloud project 6. Emi claims her AWS cert from Credly — (loop back step) 7. Emi returns to share her credential — (loop back step) (Note: the journey steps may be presented as an interactive/looping diagram with steps appearing in a slightly nonlinear order on the live page.) ## See the Pearson Case Study in Action Watch how UWI brings the full credential lifecycle to life — from Pearson's issuance portal to Emi's wallet to Richard's verification dashboard. (Video embed) ## Contact Form: "Ready to Transform How Your Industry Uses Credentials?" Join leading governments and enterprises building trust with standards-compliant digital credentials Form fields: Full Name*, Company Email*, Your Message*, opt-in checkbox, Privacy Policy agreement checkbox*, Send Message button. --- # ============================================================ # INDUSTRIES # ============================================================ # Industries (Hub) ## Hero **Industries** From citizen services to employee experience, frictionless travel, and trusted financial services, UWI simplifies complex workflows and accelerates digital transformation. ## Explore How it Unlocks Value Across Different Industries The current environment and trends necessitate businesses to transform their digital strategies. UWI can support businesses with their digital transformation in response to changing market conditions and shifting customer demands across six value themes. - **Citizen Services**: Enhance citizen empowerment and engagement by providing secure and easy methods of identity verification and digital forms of government-issued IDs. -> /industries/citizen-services - **Employee Experience**: Enhance employee satisfaction and productivity by delivering secure, seamless, and personalised digital experiences while streamlining compliance and reducing administrative burdens across the organisation. -> /industries/employee-experience - **Frictionless Travel**: Enhance travel experiences by enabling seamless data and insight sharing across the value chain, driving hyper-personalization, customer satisfaction, and loyalty. -> /industries/frictionless-travel - **Trusted Financial Services**: Enhance transaction efficiency and security by enabling the secure exchange of verifiable credentials, such as invoices and contracts, to streamline compliance and reduce manual verification efforts. -> /industries/trusted-financial-services - **Heavy Industry**: Enhance workforce safety and operational efficiency by enabling the secure verification of worker credentials, certifications, and site authorizations thereby ensuring only qualified people are assigned to safety-critical tasks, before permits are issued and work begins. Because in safety-critical environments, assumed compliance is not good enough. -> /industries/heavy-industry - **Education**: The way skills get recognized, carried, and trusted is changing. Digital credentials are becoming the standard for how education proves its value to employers, institutions, and the world. UWI is the infrastructure layer powering that shift, with trusted credential issuance and verification built for the speed and scale education now demands. -> /industries/education ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) Note: this page lists 6 industries (Citizen Services, Employee Experience, Frictionless Travel, Trusted Financial Services, Heavy Industry, Education), two more than the 4-card homepage summary which omits Frictionless Travel and Trusted Financial Services. --- # Industries: Citizen Services ## Hero **How it Works** **Citizen Services** Enhance citizen empowerment and engagement by providing secure and easy methods of identity verification and digital forms of government-issued IDs. ## Citizen Empowerment & Engagement Today's citizens frequently lack control over the use of their personal data, which is dispersed across various government databases and private entities, often with minimal visibility or reusability. Governments must evolve from being merely trusted authorities to becoming digital catalysts. This transformation involves empowering citizens with greater agency and enhancing data utility through credible, on-demand, and privacy-preserving data flows. Stats: - 53% want secure, easy methods of identity verifications, that fit a consumer's individual preferences - 70% would likely use a digital form of government-issued ID if one were available, citing convenience as the primary reason ## How Companies Should Respond - **Provide Greater Control**: Governments should equip citizens with trusted tools and services that allows citizens to manage and disclose data securely with consent. - **Streamline Public Services**: Address service fragmentation by establishing a single source of truth and unifying platforms to deliver seamless experiences and reduce administrative complexity. - **Enhanced Identity Management**: Provide citizens with secure digital identities to streamline verification and access across both public and private sector services, from government to banking, healthcare, and more. ## Laying the Groundwork for a Trusted and Transparent Digital Society with UWI ### Case Vignette: Sasha Applies for a Professional License Sasha receives a mobile driver's license (mDL) through a government digitization initiative, storing it in her preferred digital wallet. With her mDL, she securely verifies her identity across services like banking, airport security, and law enforcement, enhancing convenience and efficiency. (Two tabs: "Service Flow" and "Value Created" — both rendered as image diagrams, not extractable text content.) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # Industries: Employee Experience ## Hero **How it Works** **Employee Experience** Enhance employee satisfaction and productivity by delivering secure, seamless, and personalised digital experiences while streamlining compliance and reducing administrative burdens across the organisation. ## Building Employee-Centric Experiences Onboarding is often fragmented, requiring employees to navigate multiple systems and resubmit personal data, while organizations spend significant time manually verifying documents and conducting background checks. Streamlining verification through secure digital processes reduces onboarding time, ensures data integrity, and cuts costs. This leads to improved employee experiences while reducing administrative overheads for organizations. Stats: - 81% of new hires state their organizations employ at least six apps or digital tools, making them feel overwhelmed during onboarding - 58% still rely on physical paper records and manual data entry for onboarding leading to delays and errors in processing new hire information ## How Companies Should Respond - **Prepare for a Credential-First Future**: Empowering employees starts with enabling systems to accept and act on verifiable credentials. Companies must ensure their tech stack, processes, and workforce are aligned to unlock the full value of verifiable credentials. - **Simplify Onboarding & Employee Mobility**: Integrate HR, IT, and compliance systems into a unified experience that reduces manual data entry, accelerates onboarding, and supports seamless transitions across roles or departments. - **Enable Trusted Digital Identity**: Provide employees with verifiable credentials that simplify access to systems, facilities, and benefits enhancing security while minimizing administrative burden. ## Streamlining the Employee Onboarding & Mobility Experience with UWI ### Case Vignette: Sarah is Starting Her New Role at TechNova Sarah sets up her digital wallet, verifies her identity, and shares her credentials, enabling a smooth onboarding with pre-configured tools and access. This streamlined process boosts company efficiency, reduces manual verification, and gives HR trusted insights for faster, smarter talent decisions. (Two tabs: "Service Flow" and "Value Created" — rendered as image diagrams, not extractable text content.) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # Industries: Frictionless Travel ## Hero **How it Works** **Frictionless Travel** Enhance travel experiences by enabling seamless data and insight sharing across the value chain, driving hyper-personalization, customer satisfaction, and loyalty. ## Cross Brand Collaboration & Personalization Businesses operating within the same value chain or engaging with the same end users can unlock substantial mutual benefits through partnerships and collaboration. By gaining trusted access across end-to-end travel touchpoints, businesses can deliver hyper-personalized experiences that drive customer retention and loyalty. This approach fosters stronger stickiness and mutual value creation centred around a shared customer. Stats: - 30% increase in revenue for companies that excel at collaborating in ecosystems. - 71% of consumers expect personalization, yet businesses are challenged to continue to collect the data to make that possible. ## How Companies Should Respond - **Mutual Value Exchange**: Enable two-way mutual exchange of value for data and brand engagement that empowers customers - **Privacy-first Personalization**: Strike the right balance between tailored experiences and data confidentiality to ensure personalization without compromising user privacy - **Cross-Branded Offerings**: Establish interoperable standards and technology solutions to enable streamlined integration and unlock new opportunities for collaborative offerings ## Enabling Seamless Hyper-Personalized Travel Experiences with UWI ### Case Vignette: Keith is Excited for His Upcoming Vacation Keith's travel providers use UWI to access his verified preferences and context, enabling seamless, consent-based personalization across his journey. From airport pickup to custom insurance plans and curated offers, Keith enjoys a hyper-personalized experience that builds loyalty and lasting relationships. (Two tabs: "Service Flow" and "Value Created" — rendered as image diagrams, not extractable text content.) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # Industries: Trusted Financial Services ## Hero **How it Works** **Trusted Financial Services** Enhance transaction efficiency and security by enabling the secure exchange of verifiable credentials, such as invoices and contracts, to streamline compliance and reduce manual verification efforts. ## Secure Data Exchange & Compliance Financial institutions and corporates engaged in cross-border trade often face fragmented compliance processes, redundant validations, and manual document handling. These inefficiencies not only delay payments but also increase operational costs and regulatory risk. By enabling the secure exchange of verifiable credentials organizations can streamline Anti-Money Laundering (AML) compliance, reduce duplication, and accelerate settlement. Stats: - 40% of companies spend more than $10 million annually on General Data Protection Regulation (GDPR) compliance - 68% of European anti-money laundering supervisors identified significant risks in the payments industry ## How Companies Should Respond - **Trusted Credential Exchange**: Facilitate the secure exchange of verifiable credentials (e.g., invoices, contracts, beneficiary details) to streamline compliance and reduce manual verification - **Pre-Validation at Source**: Shift compliance checks to the initiating bank using trusted data, minimizing redundant validations and accelerating payment processing - **Interoperable Compliance Frameworks**: Adopt interoperable standards for AML and KYC data to enable seamless collaboration between institutions and reduce regulatory friction ## Verified Once, Trusted Everywhere: UWI in Financial Services ### Case Vignette: A Payer Instructs Payment to a Beneficiary A payer initiates a transaction through their bank, which validates account status and compliance using verifiable credentials and secure data exchange. This process reduces failed payments, enhances fraud detection, and improves the overall payment experience by minimizing manual errors and delays. (Two tabs: "Service Flow" and "Value Created" — rendered as image diagrams, not extractable text content.) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # Industries: Heavy Industry ## Hero **How it Works** **Heavy Industry** Enhance workforce safety and operational efficiency by enabling the secure verification of worker credentials, certifications, competency and site authorizations thereby ensuring only qualified people are assigned to safety-critical tasks, before permits are issued and work begins. Because in safety-critical environments, assumed competency is not good enough. CTA: Get Started ## Where the system breaks down today **Workers in Hazardous Zones** 3x — Mining fatalities in early 2025 ran at more than triple the rate of the same period in 2024. When identity and credentials cannot be verified at the point of access, the risk is structural, not incidental. **Unverified Access Permits** £1.125M — The cost of one missing permit and one unverified worker in a hazardous zone. When the Permit to Work process relies on paper rather than verified identity, no procedure can compensate for the gap. **Redundant Reverifications** 64% — of energy infrastructure projects miss schedule commitments. When every mobilization re-verifies the same worker from scratch, the process slows and projects fall behind. Sources: 1. MSHA Safety Alert, 2025, 2. HSE / VinciWorks, 2024, 3. Accenture Blueprint for Success: Energy Capital Projects, 2025 ## How does UWI Help - **Reduced Contractor Fraud Risk**: UWI verifies worker identity and credentials against the original issuing sources at the point of access. By ensuring every qualification comes from a trusted, verified source, only the right people are authorized to proceed thereby reducing fraud and improving safety across every site and operation. - **Stronger HSSE Compliance**: UWI connects Permit to Work authorization directly to verified worker identity and live credential status. HSSE managers see a real-time dashboard of who is qualified and authorized, and they even have the option to monitor credentials that are nearing their expiry. Every permit decision is backed by confirmed competency, not assumed compliance. - **Faster Workforce Mobilization**: UWI ensures verified worker identity, certifications, and safety training are recognized instantly across every site and project. A worker cleared for one project does not need to be re-verified for the next. Redundant checks are eliminated, mobilization accelerates, and qualified workers spend less time waiting for approvals. - **AI-Powered Credential Intelligence**: As AI becomes embedded in industrial workflows, knowing who or what is acting — and whether they are authorized — becomes as critical as verifying the workers on the ground. UWI is built to extend the same verified identity and credential framework to AI-driven systems, ensuring every actor in your operation can be governed, audited, and trusted. ## Enabling Verified Workforce Readiness with UWI — FAQ Section **Does UWI replace our existing HR, ERP, or HSSE systems?** No. UWI works as a connective layer across the platforms you already run. It adds a verified identity and credential layer on top of existing systems without requiring you to replatform or replace what is already operational. **How does UWI handle contractors who work across multiple operators and sites?** UWI is the infrastructure that makes credentials portable. Workers carry verified qualifications, certifications, and site authorizations in a digital wallet powered by UWI across any site, operator, or project — recognized instantly, without repeated validation. **How does UWI support Permit to Work processes specifically?** UWI links a worker's verified identity directly to their certifications, site clearances, and safety training at the point of access. Before a permit is issued, the HSSE manager can confirm in real time that the individual standing at the gate is qualified, authorized, and current — not on the basis of paperwork, but on the basis of verified credentials. **How does UWI verify that credentials are genuine and not fraudulent?** Credentials issued through UWI are authorized by the issuing organization — whether that is a training provider, certification body, or employer. This means they cannot be forged, tampered with, or transferred between individuals. **Is UWI suitable for smaller contractors as well as large operators?** Yes. Because UWI is modular and integrates with existing systems, it works for organizations of any size. A small contractor using UWI benefits immediately — their workers' credentials are portable and instantly recognized by any operator in the ecosystem, removing the overhead of repeated re-verification that disproportionately affects smaller businesses. **Who owns the worker's credential data — the employer or the individual?** The individual. Credentials are held in the worker's own digital wallet and shared only with their consent. Employers and site operators can request verification but cannot access, store, or transfer a worker's credentials without their explicit approval. **What happens if a worker's credential expires mid-project?** UWI alerts both the worker and site operator before a credential expires. If it lapses, the worker is automatically flagged as unauthorized for the affected task, preventing non-compliant assignment. **Can UWI be used in areas with limited or no internet connectivity?** Yes. UWI is designed to operate in remote and low-connectivity environments without dependence on a continuous live connection. ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) Note: this page does not have the "Service Flow / Value Created" tab pattern seen on the other 4 industry pages; instead it has a dedicated FAQ section unique to Heavy Industry. --- # ============================================================ # RESOURCES: BLOG # ============================================================ # Blog Full blog post text is maintained separately in llms-blog-full.txt (https://www.universalwalletinfra.com/llms-blog-full.txt) because new posts publish roughly monthly. Below is the current index as of this file's last generation; consult llms-blog-full.txt or the live /blogs page for full text and any posts published since. # Blog (Hub) Explore our blog to discover insightful articles, expert opinions, and the latest trends. From in-depth analyses to practical tips, we bring you content designed to inspire, inform, and engage. ## Posts (newest to oldest) 1. **Apr 27 2026** — Retail Isn't Short on People, It's Short on Trust [Blog] — Tags: Product, Supply Chain, Digital Identity, Digital Trust, Workforce Authorization -> /blogs/retail-and-products 2. **Mar 30 2026** — Energy is Still Checking Paperwork, and it is Costing Billions [Blog] — Tags: Digital Identity, HSSE, Workforce Authorization, Permit to Work, Operational Control, Energy Tech -> /blogs/energy-is-still-checking-paperwork-and-it-is-costing-billions 3. **Feb 20 2026** — Why Identity Infrastructure is the Foundation for Next-Gen Government Services [Blog] — Tags: Government Tech, Identity Infrastructure, Digital Identity, Interoperability, Digital Wallets -> /blogs/identity-infrastructure-foundation-for-govt-services 4. **Jan 9 2026** — Executive Perspectives: Building Trust in the Digital Economy [Interview] — Tags: Digital Identity, Trust Infrastructure, Accenture, Interview, NTT DOCOMO GLOBAL -> /blogs/ndg-ceo-acn-leader-interview 5. **Aug 20 2025** — How UWI's New Release Solves Today's Identity Challenges [Blog] — Tags: Issuers, Verifiers, Digital Identity, New Release, Trust Infrastructure -> /blogs/new-release 6. **Jun 28 2025** — AI's Next Leap: Built on Verifiable Agents and Trusted Data with UWI [Blog] — Tags: AI, Privacy, Regulations, Security -> /blogs/ai-s-next-leap-built-on-verifiable-agents-and-trusted-data-with-uwi 7. **Jun 16 2025** — Paving the Way: Unifying Digital Assets and Identity for the Next Era of Finance [Blog] — Tags: Digital Money & Assets, Financial Services, Fraud Prevention, Payment Systems, Regulations -> /blogs/paving-the-way-unifying-digital-assets-and-identity-for-the-next-era-of-finance 8. **Apr 15 2025** — The Future of Payments: Embracing Web3 Wallet Technology [Blog] — Tags: Digital Money & Assets, Financial Services, Payment Systems, Privacy, AI -> /blogs/the-future-of-payments-embracing-web3-wallet-technology 9. **Mar 16 2025** — Data Privacy Regulations: A Catalyst for User-Centric Digital Identity Solutions [Blog] — Tags: Ecosystem Partnerships, Privacy, Regulations -> /blogs/data-privacy-regulations-a-catalyst-for-user-centric-digital-identity-solutions 10. **Feb 27 2025** — Navigating the Personalization Paradox in the Digital Age [Blog] — Tags: User Experience, Customer Engagement, Travel, Cons. Goods & Services, Health & Public Services -> /blogs/navigating-the-personalization-paradox-in-the-digital-age 11. **Feb 11 2025** — How UWI is Powering the Future of Personal AI [Blog] — Tags: AI, Travel, User Experience -> /blogs/how-uwi-is-powering-the-future-of-personal-ai 12. **Jan 14 2025** — Future of Work: Reshaping the Talent Landscape with Verifiable Credentials [Blog] — Tags: Digital Money & Assets, Health & Public Services, Privacy -> /blogs/future-of-work-reshaping-the-talent-landscape-with-verifiable-credentials 13. **Dec 25 2024** — Unlocking a World of Trust: The Expanding Universe of Verifiable Credentials [Blog] — Tags: Tokenization, Digital Money & Assets, Health & Public Services, Privacy -> /blogs/unlocking-a-world-of-trust-the-expanding-universe-of-verifiable-credentials ## Newsletter signup "Stay Ahead with UWI Insights" — Get the latest updates, trends, and innovations delivered straight to your inbox. (Subscribe form; notes UWI processes data per Privacy Policy) --- # ============================================================ # RESOURCES: WHITEPAPER & EVENTS # ============================================================ # Whitepaper ## Explore Our Whitepapers Explore both the whitepapers to uncover the full story. The first explains how UWI is the trust infrastructure for the digital economy — covering tokenization, identity, and the shift toward user-centric business models. The second goes deeper into the agentic era, exploring how UWI and AWS are building governance and verified identity into AI-driven workflows. Download now to get access to both whitepapers. ## UWI Whitepaper In today's digital landscape, businesses and consumers struggle with increasingly frictional and siloed experiences across a growing number of digital platforms and services. Universal Wallet Infrastructure (UWI) is poised to revolutionize these interactions, transforming them from mere transactions to rich, experience-based engagements. Download the whitepaper to uncover insights into: - Transformative power of tokenization across identity, money and objects - Value UWI brings to consumers, businesses and AI transformation strategies - Capabilities and platform services that enable UWI - Application of UWI across industries - Strategic roadmap outlining the path to UWI innovation and adoption ## UWI and AWS Whitepaper UWI, in collaboration with NTT DOCOMO GLOBAL, Accenture, and AWS, is building the trust infrastructure that makes that possible. Download the whitepaper to uncover insights into: - The governance gap in AI-driven workflows and why model-level security alone is not enough - How AI agents can be assigned verified identity, so every autonomous action is traceable, auditable, and tied to a real authorization chain - How software compliance records become real-time trust mechanisms rather than documents created after the fact - Application of UWI's trust infrastructure across Resources, Financial Services, and Retail use cases - The regulatory deadlines including the EU Cyber Resilience Act in 2027 that are making this an urgent business priority ## Download Form Fields: First Name*, Last Name*, Company Email*, Company Name*, Job Title*, Industry* (free text), Privacy Policy agreement checkbox*, opt-in checkbox for news/updates, Submit button. ## Shaping the Future of Trust & Connectivity Together, we are pioneering UWI to rebuild trust and bridge the gap between the physical and digital worlds. Discover interoperability like never before through an interconnected data economy powered by AI-driven innovation. CTA: Read Our Story --- # Events: UWI at MWC 2026 **Title:** UWI at MWC 2026: The Digital Economy Depends on Trust. So Why Are We Still Building Without It? **Subtitle:** How NTT DOCOMO GLOBAL and Accenture are building shared infrastructure to close that gap - with a first look at the Pearson workforce credentials pilot. ## Key Highlights - Across industries, digital ambition is outpacing digital confidence — and the gap is becoming a strategic liability - Universal Wallet Infrastructure (UWI) provides shared rails for identity, money, and digital objects to move securely across ecosystems - Digital identity has shifted from a technical function to the primary control point for ecosystem participation - First announced at MWC 2026: NTT DOCOMO GLOBAL, Accenture, and Pearson launch a live workforce credentials pilot in Japan - A practical starting point for enterprises: build verifiable identity first, then extend to money and digital objects Not a single industry today commands majority trust from its own customers when it comes to handling data. Yet the digital economy every organization is building depends on data flowing freely across partners, platforms, and borders. That growing gap — between digital ambition and digital confidence — was the central tension of the session brought together by NTT DOCOMO GLOBAL and Accenture at Mobile World Congress 2026 in Barcelona. Moderated by Ryujiro Nemoto, Senior Vice President at NTT DOCOMO GLOBAL, the discussion featured Hiroki Kuriyama, President and CEO of NTT DOCOMO GLOBAL, and Tejas Patel, Managing Director, Technology Strategy & Advisory, APAC Lead at Accenture, with a recorded address from David Treat, Chief Technology Officer at Pearson. Together, they examined why trust is no longer just a technical concern but a strategic one, and what it takes to rebuild it at ecosystem scale through Universal Wallet Infrastructure (UWI). ## Digital systems have scaled. Trust hasn't. The infrastructure enterprises rely on today was built for a very different era. Across multiple clouds, partner platforms, and legacy systems, data volumes are growing faster than the ability to verify them, while fraud, deepfakes, and rising privacy expectations are exposing just how fragile today's trust signals really are. Hiroki Kuriyama, President and CEO of NTT DOCOMO GLOBAL, opens the discussion with a clear-eyed assessment of what's breaking and why the organizations moving fastest are the ones rethinking how trust is established from the ground up — not patching the systems they already have. ## What is UWI – And Why Does It Matter Now? When trust starts to fracture, adding another app or platform won't fix the problem. What's missing is a shared foundation, something neutral, interoperable, and built to work across ecosystems rather than within a single one. Hiroki Kuriyama explains what UWI is designed to do: provide the shared rails that allow digital identity, money, and objects to be issued, held, and verified across ecosystems — without rebuilding trust each time. ## The Business Case for UWI: Turning Trust into an Operating Advantage Infrastructure only matters if it creates tangible value. From an enterprise perspective, the promise of UWI is operational as much as it is strategic — touching everything from compliance costs and partner onboarding to the quality of data feeding into AI systems. Tejas Patel, Managing Director, Technology Strategy & Advisory, APAC Lead at Accenture, makes the case for how a shift to verifiable, user-consented credentials changes business models in practice, and why cleaner, trusted data is becoming the foundation enterprises need to power their AI strategies. ## Identity Is No Longer Just a Login Feature Of all the shifts discussed during the session, the changing role of digital identity may be the most consequential for business leaders, and the most underestimated. Tejas Patel explores why the fragmented identity stacks most enterprises are running today are quietly becoming a ceiling on growth, and what it looks like to replace them with something built to scale. ## First Announced at MWC26: NTT DOCOMO GLOBAL, Accenture, and Pearson Launch a Workforce Credentials Pilot built on UWI As skills evolve and careers become more fluid, both individuals and employers are navigating a system built on outdated records and repeated manual checks — a problem that compounds the larger the organization and the more borders it operates across. In a first public announcement at MWC 2026, David Treat, Chief Technology Officer at Pearson, reveals how NTT DOCOMO GLOBAL, Accenture, and Pearson have launched a live pilot in Japan built on Universal Wallet Infrastructure — and what it means for how organizations think about skills verification going forward. ## Where to Begin: A Phased Approach for Business Leaders For leaders watching this shift unfold, the question is practical: where does an organization actually start? In the closing moments of the discussion, Hiroki Kuriyama outlines a clear, phased approach – starting with identity, then extending to money and objects – and explains why cross-partner use cases are critical from day one. ## Closing The session at MWC 2026 made one thing clear: trust is no longer something organizations can build in isolation or treat as an afterthought. As digital ecosystems expand, AI becomes embedded in critical workflows, and people and value move more fluidly across borders, trust itself needs to become shared infrastructure — verifiable, interoperable, and built to scale. That is what UWI is designed to provide — shared rails for identity, money, and digital objects to move securely across organizations, without rebuilding trust each time. The Pearson pilot shows that this is no longer theoretical. It is live, it is building toward results, and it is laying the groundwork for what comes next. For business leaders ready to explore what a pilot could look like for their organization, UWI is the place to start. ## Contact Form: "Start the Conversation" Connect with the UWI team to explore what's possible Form fields: Full Name*, Company Email*, Your Message*, opt-in checkbox, Privacy Policy agreement checkbox*, Send Message button. --- # ============================================================ # RESOURCES: FAQ # ============================================================ # FAQ (Hub) Find answers to your questions about UWI. You can also speak to Lia, our AI-powered assistant for personalized support. Categories (link to sub-pages): - Challenges and Needs Addressed -> /faq/challenges-and-needs-addressed - UWI Capabilities -> /faq/uwi-capabilities - Market and Business Landscape Overview -> /faq/market-and-business-landscape-overview - Implementation Efforts and Challenges -> /faq/implementation-efforts-and-challenges - Use Case Specifics -> /faq/use-case-specifics ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # FAQ: Challenges and Needs Addressed **Q: What challenges faced by consumers today does UWI seek to address?** Consumers feel like technology is happening to them, rather than for them. We have more choice and access than ever before, but that creates an overwhelming digital life to manage. 30 years ago, we didn't have any of this, which means that in a brief period of time we have experienced a major shift in how we live our lives. Overall, we see a sense of "digital overload" across our everyday lives, with consumers feeling that their needs are not being met due to: - Relevance: Every brand claims to deliver "personalized" experiences, but consumers do not feel that their brand relationships are sufficiently tailored for them. Consumers receive an endless array of ads that they don't care about, and true relevance is lost in the process. - Transparency & Control: Consumers want more visibility and ownership over how their data is collected, stored, and used. Generally, consumers must consent to Terms & Conditions that they rarely read and therefore have no idea what they just signed up for. Moreover, they don't have an easy way to revoke their consent. - Experience: Every day, consumers are juggling their digital experiences, bouncing from app to app and screen to screen, leading to fractured customer journeys. Brands are missing out on delivering a connected, seamless user experience that builds affinity and customer loyalty. Consumers are no longer satisfied with generic messaging and mass-marketing approaches and want more from the brands with which they engage. They are craving personalized interactions and a sense of genuine connection with the companies they interact with. Clearly, the world is quickly moving towards a fully digital economy, but consumers need more simplicity, value, and trust. **Q: Why do you think a user centric data governance model is the answer to the above challenges and consumer needs?** In a user centric data governance model, the situation changes from users making the connections themselves across platforms and applications, to an integrated experience layer where all aspects of their digital life – their identity, money, and objects – are now interconnected to create new forms of value. This type of data model is built on user agency with security, privacy, and trust at the core. Security is built on having control of your data, knowing who has access to it and for how long. Privacy is built on having transparency around your data, knowing where your data exists and with whom. And trust is built on having sovereignty of your data, granting access to the minimal amount of information as and when needed. With this, we build a trust equation where "I have control, I see what you see, and you see what I see" can lead to strong relationships. Under this model consumers go: - FROM worrying about their credit card info or data being exposed TO securely storing and managing their data. - FROM feeling like their online activity is constantly being tracked (like receiving unwanted ads) TO consented interaction (like personalized recommendations) knowing who has access to their data and for how long, with the ability to revoke that access anytime. - FROM feeling overwhelmed with their digital lives TO having seamless orchestrated experiences across their favorite brands. - These core principles of a user centric data governance model are enabled by the distributed architecture designed for interoperability, developed with open standards, and orchestrated by privacy preserving intelligence. By putting users at the center of the data model, this creates better experiences for consumers and valuable high-quality insights for enterprises. **Q: How will users be incentivized to give their consent for data sharing?** Organizations globally are grappling with two seemingly contradictory trends. On one hand, both users and governments are increasingly concerned about data security, driving the demand for stringent regulations and robust data protection standards. On the other hand, users are demanding more personalized services that require the collection and analysis of their personal data. Simultaneously, enterprises are preparing for rapid AI adoption, which necessitates access to reliable, trusted, and customer-consented data to train AI models tailored to specific business use cases. This tension is further amplified by the dominance of big tech companies pushing proprietary wallet solutions and applications, creating oligopolistic ecosystems that further complicate the landscape. In this environment, the need for a solution like UWI is more critical than ever. UWI strikes a strategic balance between these conflicting forces by providing a secure, user-centric environment that enables data ownership while fostering innovation. UWI offers: - Data Monetization: UWI provides optionality for users to monetize their personal data by providing access to enterprises that require authentic, trusted, privacy-preserving zero-party data. This data can be leveraged to drive more informed, data-driven decision-making and support AI model training, enhancing the accuracy and relevance of enterprise-specific use cases. - Personalized Service Offerings: As enterprises within the UWI ecosystem begin to have access to highly relevant and consented personal data, they gain the ability to offer users more relevant, personalized experiences. This creates a win-win scenario where users are rewarded with tailored offers, exclusive deals, and other customized benefits delivering both value and enhanced customer satisfaction. **Q: How is UWI going to onboard governments as key identity data providers?** The issuance of official credentials remains, for the most part, the responsibility of government authorities. Governments are tasked with ensuring the security, legitimacy, and authenticity of these credentials, which include key identifiers such as national IDs, digital identities, and other official documents. UWI is designed to seamlessly integrate and leverage these government-issued credentials, supporting widely recognized standards and protocols to ensure compliance and interoperability across various systems. UWI's platform is fully capable of accepting and securely managing government-issued credentials, including digital identities, directly within the ecosystem. This allows for the smooth issuance, validation, and use of credentials within UWI, ensuring that users can authenticate their identity with trusted, authoritative sources. By adhering to established standards, UWI ensures that these credentials are not only secure but also compatible with existing infrastructure across various sectors. Moreover, UWI offers robust capabilities in credential and token management, allowing for the handling of a wide variety of standardized credentials and tokens. This includes everything from digital IDs and government certifications to authentication tokens and access credentials, ensuring that the platform can manage the full lifecycle of credentials: issuance, verification, updating, and revocation. We also maintain ongoing collaboration with government agencies, regulatory bodies, and standards organizations to stay current with the latest developments in credentialing systems, regulatory changes, and industry best practices. This proactive engagement helps us ensure that UWI is always aligned with the evolving landscape and complies with the latest privacy and security regulations. **Q: How will UWI make personal AI a reality?** Today, we are seeing an abundance of AI-generated content, including deepfakes and fake news, which is creating a growing need to verify what is real vs what is not. This lack of trust and authenticity severely limits the ability for enterprises to deliver truly human experiences. We are moving towards a world where AI will be embedded across everything we do and everywhere we go. The Agentic Web will soon form, where autonomous AI agents will act on behalf of users, managing tasks, collaborating with other AI agents, and make decisions aligned with individual preferences and business goals. These AI agents will learn, evolve, and grow more efficient through collaboration, but the right standards and responsible frameworks need to exist to trust agentic AIs. In this model, UWI plays a critical role in establishing trust, as it provides a secure foundation for managing and trusting a user's or an AI agent's identity and their data in the Agentic Web, enabling a future where digital interactions are not only autonomous but also user-centered and privacy-preserving. **Q: Does leveraging data directly, permissioned by the consumer, require significant changes to corporate processes? Are these changes likely to become a barrier to leveraging UWI?** Data that is directly provided by a consumer to an enterprise is also known as zero-party data. It is considered high-quality data as it is actively and explicitly shared and does not rely on third-party entities that typically collect data from various sources like data brokers or social media platforms. Enterprises are gradually using this type of data, adapting their processes along the way. Initially, zero-party data serves as an additional tool in their data arsenal. Then, they progress to using it as a crucial decision-making engine for direct consumer engagement, fostering deeper relationships. Finally, enterprises view zero-party data as a central point for user engagement, allowing users to decide what data to share and when, while prioritizing privacy. Throughout the adoption cycle, we expect consumer-centric businesses to face integration challenges. As the infrastructure enabler, we'll design a solution that minimizes these challenges. Our intent is not to require businesses to re-invent their data governance models. Instead, we propose using the UWI as a channel, seamlessly integrating zero-party data into enterprise systems. Our goal is to avoid immediate changes to legacy processes. Leveraging zero-party data positively impacts existing governance models with minimal disruption. Once businesses prove the value of the UWI, they can scale usage and start transforming processes. However, they can continue leveraging the platform if the value isn't sufficient. Over time, we expect a mix of users, some fully transformed while others maintain existing processes. Our preference lies with clients transforming their digital experiences around the UWI. We recognize this change will be gradual, but our ambition is to reinvent the user engagement data model, which is core to our ambition to become a leading Web3 Infrastructure player. **Q: What challenges faced by enterprises today does UWI seek to address?** We are rapidly accelerating towards a fully digital economy. In the last decade, connectivity became commonplace as we saw 3.9 billion people get mobile internet access. In turn, every business has become a digital business, and mobile wallets have become a norm for transacting across our digital and physical lives as forecasts indicate over 5 billion digital wallets will be in use in 2026 (Juniper Research). In the next decade, we will see the rise of AI in our everyday lives as the AI market is expected to grow 35% YoY (Forbes Advisor). As a result, data – which will underpin all facets of digitalization – will boom as the global datasphere will grow 30%+ YoY (Statista). However, today's data governance model is constrained with a myriad of challenges. For an enterprise, the 5 most common issues relevant to UWI we are hearing as we test the market are around data quality, compliance, interoperability, transparency, and authenticity. - Data Quality is paramount because inaccurate end-user data leads to experiences that convey enterprises don't truly know their consumers. - Complexities around Data Compliance are constantly evolving and creating more sensitivity and risk around user data. For example, GDPR fines can be up to 4% of a company's global annual revenue from the previous fiscal year (gdpr-info.eu). - Data Interoperability between organizations and even within an organization is limited and tends to be characterized by data silos that lead to fragmented experiences with isolated pockets of information. Today, many organizations can't easily share data within their systems or with others. - Lack of Transparency in data practices erodes consumer trust and weakens brand confidence. Companies that fail to be open about how they collect and use data risk losing customer sentiment. - Lastly, in the age of AI, we see growing concerns around Authenticity and the need to protect company IP and data, as well as the need to protect users from deepfakes and fraud. This combination of challenges is creating a growing cost burden for enterprises and limiting their ability to build deep customer relationships. --- CTA: Back to Help Center (/faq) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # FAQ: UWI Capabilities **Q: What are the services that will be available as part of the UWI?** The UWI provides a suite of enterprise-grade services that enable businesses to offer wallet-based products, services, and experiences to their own customers. Any exchange of data requires coordination among stakeholders that fall into four common types of roles: - Wallet Holders who have agency of the wallet and its contents - Data Providers or Issuers who generate the data, credentials, or tokens - Data Consumers or Receivers who request, verify, or otherwise consume the data, credentials, or tokens - Network Operators who govern and define the standards for interactions with the ecosystem To amplify the utility of UWI and better facilitate interactions and exchange of value between businesses and customers, we provide a comprehensive set of services designed to be used by each type of role. The 5 services that underpin the platform are: - **Wallet Solutions**: SDK and APIs for enterprises to integrate, embed, or build a secure wallet - **Credential and Token Management**: Functionality to create, transact, manage, and analyze the use of credentials and tokens - **Data Verification and Exchange**: Privacy-preserving services that facilitate the exchange of data and value to personalize experiences and streamline customer acquisition - **Network Orchestration**: Ecosystem and governance management tools to ensure trust and compliance across network participants - **AI Agent Network Orchestration**: A service that is natively enabled by UWI and allows for multiple autonomous AI agents to be trained and act upon the data (money, identity, objects, entitlements) users gather in their wallet applications. These UWI services will enable enterprises and the ecosystems they participate in to unlock interoperable, seamlessly orchestrated experiences for their end-consumers. The UWI services are intended to be modular, so they can be used selectively or in combination, depending on how an enterprise chooses to integrate and deploy UWI. **Q: Why is now the time to act?** We are seeing clear signs that the external environment — (1) policies/regulation, (2) technology, (3) the broader consumer perspective — has already begun to transition from its infancy to an expansion phase. This is the time for consumer centric businesses to start their journey towards a user-centric data model, underpinned by Universal Wallet Infrastructure. *1) Policies/Regulation* Due to stricter regulations such as GDPR and CCPA, and the elimination of third-party cookies, there is a significant pressure cost on companies to securely store, manage, and delete user data upon a user's request. Government implementation of digital wallets is progressing rapidly in various countries, as evidenced by EU Digital Identity Wallet (EUDIW, which will be applicable to all 27 member states of the EU and is expected to be enforced within 36 months from November 2024), Singpass, Hong Kong ID, and BankID (an electronic identification system in Sweden). *2) Technology* There are a series of technological tipping points we are seeing: - Web3 – powered by DLT/Blockchain – is a proven tech foundation that enables immutable, tamper-proof, and user-controlled capabilities that are needed for a user-centric model. Web3 has proven its resilience and relevance, with investments in the space bouncing back recently, we see meaningful momentum. - Digital wallet technology usage is expanding, as we see Apple and Google enable key elements of identity, money, and objects; while neither provider enables the full suite of services that we think are required for a user centric model, we do see both providers making a gradual progress towards identity, money, and objects. - Authenticity, relevance, and data protection in the Age of AI is a rising concern. AI will need a decentralized counterbalance that ensures trust across a global set of enterprise and consumers; moreover, AI will need permissioned, end-user data to deliver optimal, personalized end-user experiences. *3) User and Ecosystem Readiness* In the last year we have seen the launch of two major industry-wide collaboration initiatives: - Global Acceptance Network (GAN), a non-profit initiative spanning multiple enterprises, seeks to establish a trust layer for the Internet by setting the standards and governance for the cross-ecosystem exchange of verifiable data. - Open Wallet Foundation (OWF), a consortium of companies and non-profit organizations collaborating to drive global adoption of open, secure and interoperable digital wallet solutions as well as providing access to expertise and advice. We are also seeing a lot of interest from a wide-ranging set of enterprises since we commenced the Universal Wallet Infrastructure work. There is a growing list of clients who want to collaborate on the UWI concept and have bought in to share requirements for our Minimum Viable Product (MVP) build. **Q: Why is interoperability a critical component?** Consider an individual consumer. If one were to think of identity alone, they manage so many different identities – as a citizen of a country, as contributor to a pension plan, as an insured person, as an investor, as an employee of a company, and as a user of loyalty program of various brands. Often the same information is required across these various identities such as legal name, age, physical characteristics, residential address etc. Yet the same information must be separately shared for each one of these applications, with due diligence carried out and maintained by different organizations. The moment digital money and digital objects enter the fray, the situation moves from static to dynamic with all the continuous transactions between various people and organizations across various platforms. The complexity grows multifold. UWI resolves these complexities by bringing to bear the key components of an individual's identity, money, and objects seamlessly across an individual's various brand and organizational relationships. **Q: What technology will underpin the UWI platform, particularly for data exchange and orchestration?** The UWI platform leverages a modern and robust technology stack to facilitate secure and efficient data exchange and orchestration. - **Decentralized Architecture**: UWI employs a decentralized architecture, potentially built on blockchain technology or a distributed ledger system. This ensures data integrity, transparency, and resilience, as there is no single point of failure. - **APIs and SDKs**: Application Programming Interfaces (APIs) and Software Development Kits (SDKs) are crucial for seamless integration with various systems and applications. UWI provides well-documented APIs and SDKs to enable data providers and consumers to connect to the platform and exchange information securely. - **Secure Communication Protocols**: Secure communication protocols, such as HTTPS and TLS, are employed to encrypt data transmitted between different parties, ensuring confidentiality and preventing unauthorized access. - **Data Standardization**: UWI enforces data standardization through schemas or defined data formats. This ensures interoperability between different systems and facilitates efficient data exchange. - **Smart Contracts**: If built on blockchain technology, UWI will utilize smart contracts to automate certain processes, such as data access agreements and payment settlements. This enhances efficiency and reduces reliance on intermediaries. - **Privacy-Enhancing Technologies (PETs)**: UWI could incorporate various PETs, such as differential privacy or homomorphic encryption, to further protect user data while enabling data analysis and utilization. - **Monitoring and Auditing Tools**: Comprehensive monitoring and auditing tools track data flow, network activity, and system performance. This helps ensure security, identify potential issues, and maintain regulatory compliance. The specific technologies used in the UWI platform may vary depending on the implementation and specific requirements. However, the core principles of security, interoperability, and privacy will guide the selection and integration of these technologies. **Q: How does UWI utilize and advance AI capabilities?** These are some of the key areas in which we are implementing AI technologies in UWI: - **Training Data Provisioning**: UWI will serve as a data guardian for AI agents on training data on user preference & context for data sharing. - **Multi Agentic AI Network Enablement**: Integrates with multi agentic AI architectures to facilitate secure cross agent and cross enterprise data interchange. - **Trusted Data Infrastructure**: UWI will incorporate built-in AI agents seamlessly integrated and operated on a trusted and privacy-preserving infrastructure. By serving as a data guardian, integrating with multi-agent architectures, incorporating built-in AI agents, and ensuring secure, scalable networks, UWI is poised to drive significant advancements and trust in AI technology and its applications. **Q: What is the platform roadmap?** We plan a series of rapid drops over the next 18+ months starting Q3 2024 as we release new UWI functionality, engage the ecosystem of collaborators, and activate the market through announcements and publications. This timeline will continue to evolve. To stay up to date on the latest, sign up to join us as an LOI participant. **Q: How are recommendations communicated? Do they differ from existing push notifications?** Recommendations for push notifications in mobile applications will continue to rely on the push notification services provided by the underlying operating systems. The user experience will remain consistent, delivering the expected functionality and experience without change. The key difference with UWI lies in the diverse range of data sources that feed into the recommendations. Unlike traditional systems, UWI integrates a combination of personal information, profile data, user preferences, public data, and contextual insights powered by embedded AI agents. These elements work together to generate highly personalized and relevant recommendations for each user. What sets UWI apart is its ability to leverage data sharing across multiple parties involved in a given activity. This collaborative data exchange enables more accurate and timely recommendations by drawing from a broader spectrum of information. AI-driven contextual awareness further enhances the user experience by adapting to changing circumstances, user behaviors, and environmental factors in real time. As a result, UWI can deliver more effective, timely re-engagement with users, ensuring that the suggestions and notifications they receive are not only relevant but also aligned with their specific needs and current context. This integrated approach ensures a richer, more personalized experience, fostering stronger user engagement and satisfaction. **Q: What would it take for an enterprise to participate in this initiative?** We are seeking enterprises who are interested sufficiently in this space to sign a Letter of Intent (LOI) to collaborate with NTT DOCOMO GLOBAL and Accenture. The basic premise of the LOI is that the enterprise will commit time to partnering with us on key components that will help us get product/market fit right for LOI participants: - use cases specific to the enterprises - the target audiences for said use cases - the value potential across priority use cases - and the experience and technology requirements that matter most We will seek to cover these insights through design thinking workshop(s). Moreover, LOIs will get early access to the roadmap and initial product concepts/PoCs to help shape the outcomes that matter most to their individual organizations and their users. --- CTA: Back to Help Center (/faq) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # FAQ: Market and Business Landscape Overview **Q: Are there any alternatives to UWI?** There are solutions in the market for specific use cases. However, they are point solutions that lack interoperability across the domains that we think underpin an individual's digital life. The playing field is admittedly busy. There are numerous digital wallets already in the market today such as the ones offered by Google and Apple; however, these solutions lack the degree of interoperability, user-control, transparency, and enablement for data collaboration across enterprises and ecosystems. Beyond Apple and Google, the majority of wallet technology solutions in-market today tend to be point solutions with a focus on areas such as payments, crypto, and NFTs. As we look across the market, we see a clear need for an infrastructure that enables us to tie together identity, money, and objects in a tamper-proof manner. Given the above conditions, we see limited alternatives to Universal Wallet Infrastructure. We think UWI is a mandate given key signals on the identity front that point to growing momentum for digital identity and the intersection of digital money and objects: - The EU Digital Identity initiative is accelerating the wide adoption of digital identity - Apple and Google have both ventured into identity (e.g., Apple Wallet can now hold digital IDs for 4 states in the US: Arizona, Colorado, Georgia, Maryland) - In its next iOS release, Apple will enable businesses to leverage an API to validate a user's identity Universal Wallet Infrastructure is the next logical evolution of all these initiatives that will bring everything together and unlock the next level of experiences for the consumer and new engagement opportunities for consumer centric businesses. Today, wallets do not fully meet users' needs. **Q: What is the timeline for the widespread adoption of the solution beyond the initial target audience who are more open to data sharing?** We plan a series of rapid drops over the next 18+ months starting early 2025 as we release new UWI functionality, engage the ecosystem of collaborators, and activate the market through announcements and publications to educate the network and its users. This timeline will continue to evolve. We have a program for early adopters to stay up-to-date on current developments and get a view into new functionality before its release for education and testing purposes. There is a transformative shift towards decentralization, cross-organization collaboration, and enabling user control over data. These trends are no longer subtle undercurrents; they are compelling organizations to aggressively adopt new realities and forge a path toward adopting enabling technologies. It is estimated that there will be 5.2Bn digital wallet users globally by 2026. Consumer demands and government regulations are accelerating the adoption of digital wallets. Governments have realized the potential of digital ID infrastructure and are actively pushing for their adoption as evidenced in Europe by eIDAS regulations requiring EU digital ID wallets for all citizens and multiple states in the US having issued multi-purpose mobile driving licenses for biometric integration, holder control over data, and data privacy. Similarly, consumers and businesses are also fuelling the trend, driven by the potential for better privacy, personalization & control. **Q: What is the impact on current cost models when running functionality through UWI?** The Universal Wallet Infrastructure (UWI) acts as a secure, decentralized foundation that supports flexible and privacy-preserving data exchanges, designed to align with diverse business models across insurance ecosystems. Because UWI is a business-process-agnostic platform, it seamlessly integrates into existing insurance workflows—whether Direct-to-Consumer (D2C), agency-based, or hybrid models—offering insurers the agility to adopt and evolve cost structures as needed. For Direct-to-Consumer (D2C) insurance models, UWI can streamline customer interactions and reduce reliance on traditional intermediaries by enabling insurers to connect directly with customers in a secure and compliant manner. This model can lower costs by eliminating or reducing intermediaries, which is often a significant expense in agency-driven models. UWI provides real-time data exchange that allows insurers to offer more personalized and transparent services, responding to the demands of digital-native consumers. In a commission-based model, UWI retains flexibility by incorporating intermediaries, such as agents or brokers, directly into the decentralized network. This inclusion enables real-time data sharing and secure, automated compensation management that adheres to existing commission structures. By reducing friction in information exchange and allowing agents to interact seamlessly within the network, UWI can preserve the commission-based cost structure while potentially reducing overheads associated with data validation, compliance checks, and manual reconciliation processes. In essence, UWI does not mandate a specific cost structure but instead enhances the insurer's ability to scale and adapt their chosen model efficiently. Whether adopting D2C channels with reduced reliance on intermediaries or preserving commission-based models with added automation, UWI provides insurers the flexibility to refine their cost models, aligning them more closely with their strategic objectives while potentially driving down operational costs through process efficiencies. **Q: How will you ensure that UWI gets adopted by the general public, and moves from being an excellent idea to a service that has widespread adoption?** Historically, we've seen that a strong, supportive ecosystem is key to driving broad adoption of a product or service. While early adopters can provide valuable initial traction, true scalability occurs once a critical mass is reached, unlocking network effects that fuel exponential growth. - **Ecosystem**: UWI is built to excel in a collaborative, multi-stakeholder ecosystem, where every participant—whether a strategic partner, industry leader, or service provider—plays a crucial role in advancing the ecosystem's evolution. We have already established a robust network of partners, thought leaders, and innovators across key industries and standards organizations. The collaborative model we've put in place is driving a continuous cycle of innovation and value creation. - **Enterprise Adoption**: As early adopters and industry leaders begin to embed UWI within their organizations, the tangible business benefits will incentivize their partners and ecosystem participants to adopt similar approaches. This creates a self-reinforcing feedback loop, where the success of early adopters drives wider market adoption, triggering a snowball effect that accelerates enterprise integration across the value chain. - **User Adoption**: Several macroeconomic and regulatory trends are converging to drive increased demand for UWI's capabilities. The heightened focus on digital security, data privacy, and compliance – coupled with growing consumer expectations for personalized, seamless, and comprehensive experiences – will significantly boost user demand. As customers within an organization recognize the value of UWI, they will naturally seek its integration with other service providers, creating bottom-up pressure on businesses to expand its adoption. This customer-driven demand will act as a strong catalyst, urging companies to quickly scale UWI's integration across their digital ecosystems and core business processes. **Q: How should companies pioneering in this space think about UWI's relevance to them?** We recognize we are embarking on an ambitious undertaking. Thus, NTT DOCOMO GLOBAL and Accenture's aim is not necessarily to build this alone, and we are open to exploring partnership opportunities across the business and technology ecosystem players relevant to UWI. As an expression of our collaborative, partnership-minded focus, the infrastructure we seek to build will be based on open standards, enabling companies that are already pioneering in this space to tap into UWI. --- CTA: Back to Help Center (/faq) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # FAQ: Implementation Efforts and Challenges **Q: Would each enterprise have to build their own respective applications leveraging UWI to meet their specific business requirements?** UWI is designed to embed into enterprises' existing applications and systems. We recognize the importance of balancing highly specific functionality with enabling businesses to tailor to their particular needs. We are addressing this balance through multiple fronts. First, we have identified a common set of features based on broad market signals gathered from discussions with a diverse set of businesses across multiple industries. Second, through engagement with associations and standards bodies – Open Wallet Foundation, WEF, and industry bodies – we have identified additional commonalities across industries. These features form the basis for our early product backlog. We are continuing to refine our Minimum Viable Product (MVP) based on insights we are gaining from our ongoing discussions and market participation. This will allow UWI to be broadly applicable but easily configurable to meet the needs of each business. **Q: Given the competitive environment, do you think it is prudent for us to integrate our data to a network that our competitors may potentially be part of?** The UWI would involve no sharing of any proprietary business data or competitive intelligence. It would instead give control of consumer data back to the consumer to whom it rightfully belongs. The consumer can decide to permission their data with organizations to enable them to create hyper customized products and offers for the consumer. This will help mitigate consumer's privacy concerns and enable them to share data about themselves, their behaviors, and preferences more freely. From an enterprise perspective they get access to more accurate data straight from the source (i.e. consumer) instead of depending on third parties and are saved the costs and risks around acquiring and maintaining consumer data. UWI offers enterprises a new channel through which they can now get access to reliable, real-time data straight out of the consumers' wallet, which in a traditional setting could be held by competitors. This enables enterprises to direct their focus towards gaining valuable insights and intelligence, allowing them to enhance their products and offers, to drive greater revenue and profitability. **Q: How do you plan to ensure users recognize the benefits and data security on the platform?** UWI introduces a suite of distinctive features that provide users with capabilities they have not encountered elsewhere. The underlying solution architecture of UWI is designed with a clear focus on delivering key functionalities, which users will begin to experience immediately. - **Convenience**: UWI enables a frictionless user experience by allowing individuals to seamlessly share their data across multiple applications and enterprises. This eliminates the need to repeatedly input or share information for every interaction, streamlining processes and reducing friction across touchpoints. - **Control**: UWI puts control and data sovereignty back into the hands of their rightful owners, empowering them with the ability to granularly control which specific data elements are shared with whom, for which use cases, and for what duration. This control is exercised with full, explicit user consent, ensuring transparency and confidence in data handling. - **Monetization**: UWI opens new revenue streams for users by enabling them to receive i.e., tailored offers from data consumers; such as organizations looking to leverage user data for AI model training or other data-driven initiatives. This fosters a mutually beneficial ecosystem where data is actively used to drive value creation for all parties involved. - **Consent Management & Minimal Data Sharing**: UWI offers users a powerful consent management feature, allowing them to view, modify, or withdraw previously granted consents for data sharing with any participant. This ensures full transparency and control over data sharing decisions at every step enabling a secure and privacy-preserving exchange of data. - **Personalization**: In UWI-embedded ecosystem, users can experience highly personalized services from service providers within the network. By leveraging data shared across the ecosystem, businesses can tailor offerings based on a deeper understanding of user preferences, enabling a more personalized, engaging, and relevant experience. **Q: Describe the user onboarding process for different user roles on the UWI platform?** The UWI platform is designed to be flexible and accommodate a variety of user roles, each with their own onboarding process. - **Wallet Holders (Consumers)**: Wallet holders begin their UWI journey by acquiring a UWI-compatible wallet, either by downloading a dedicated app or integrating UWI functionality into an existing wallet. They are then guided through a simple process, which may include identity verification for enhanced security. Importantly, users are provided with transparent information about data collection practices and are empowered to give their explicit consent. Many wallet applications will also offer tutorials or interactive guides to help users understand the platform's features and navigate their new digital wallet with ease. - **Data Providers (Businesses/Organizations)**: For organizations serving as data providers within the UWI ecosystem, onboarding is centered around seamless integration with the platform. This is facilitated through UWI's APIs and SDKs, enabling smooth data exchange. Data providers must follow UWI's data standardization guidelines to ensure consistency and interoperability. Additionally, they are responsible for implementing strong security protocols and adhering to all relevant data privacy regulations to protect user information. - **Data Consumers (Businesses/Organizations)**: Data consumers, much like data providers, integrate their systems with the UWI platform using provided APIs. However, their onboarding emphasizes access control and permissions. This ensures that data consumers can only access and utilize the specific data they are authorized to use, maintaining data integrity and user privacy. Clear guidelines and protocols are provided to facilitate this secure data access and usage. - **Network Operators**: Network operators play a crucial role in maintaining the UWI ecosystem. Their onboarding involves setting up and configuring the necessary UWI infrastructure components. They are also responsible for ongoing network monitoring and maintenance to ensure optimal performance and stability. Finally, network operators establish and enforce governance rules and compliance standards across all network participants, fostering a trustworthy and reliable UWI environment. **Q: Given the fact that users have traditionally trusted government or banks, how can users be motivated to share data with private firms?** Currently, most trusted organizations with which users share their data operate on centralized models. Once users provide their information, they lose visibility and control over how it is stored, accessed, or shared. These centralized data systems are inherently vulnerable to cyberattacks, data breaches, and internal threats. Additionally, there is a risk that malicious actors within these organizations could exploit security gaps, putting user data at significant risk of compromise. In contrast, UWI operates as a decentralized platform where data ownership remains firmly with the user. By adhering to the principle of data minimization, UWI ensures that only the minimal amount of data necessary for a given purpose is collected and shared. Leveraging cutting-edge privacy preserving techniques, UWI enhances both data security and user privacy, enabling users to retain granular control over their information. UWI also introduces a powerful layer of data transparency where information cannot be shared without explicit user consent, and users are empowered to define the duration for which their data will be shared. This creates a fundamental shift in control, transferring data sovereignty from centralized entities like governments or financial institutions to the users themselves. Not only does this provide users with complete usage and sharing rights, but it also enables them to monetize their data, creating a value exchange for the data they choose to share. **Q: Will users agree to share their data without recognizing how safe their data is on the platform?** Users are more likely to consent to share their data when they feel confident in the security measures protecting it. Technological advancements in Digital Identity, along with regulatory signals and mandates from governments in both the US and the EU requiring the use of Digital Identity and Wallets, will further strengthen this confidence in data security. With UWI, personal data remains with its rightful owner, using proven technology and hardware to maintain full control over its lifecycle. In contrast, many users today share personal information in exchange for services without thoroughly validating the security measures in place, and much of this data is typically stored by the enterprise providing the service. This often happens because users tend to trust well-established platforms or because the perceived benefits such as convenience or access to personalized services outweigh concerns about data security. That said, to foster greater trust and encourage informed consent, it will be crucial to clearly communicate the security protocols and privacy protections on the platform, ensuring users are fully aware of how their data is handled and protected. **Q: Many large companies struggle even with internal data integration. How do we expect them to succeed in achieving data integration with an external data source such as UWI?** In our experience many large companies struggle with internal data integration and this manifests in even greater challenges in external data collaboration. Enterprises often invest heavily yet still struggle to get value out of the troves of data to which they have access. And in the current external data collaboration model, enterprises struggle to collaborate on data due to privacy concerns, intra-enterprise data silos, and other challenges like walled gardens. However, with UWI all these issues are eliminated by its very design. We envision UWI as the solution that breaks all data silos across enterprises, with the consumer permissioning what they share. Privacy and data security issues are automatically mitigated since data consents are directly issued by the end-user and businesses do not store the data locally in their systems – they only leverage it. Data siloes are no longer a problem since all data related to a particular user comes integrated, shared from a consumer's wallet. Hence, all the complexities and error margins of matching data from different sources using rigorous data science are no longer required. **Q: How will you address user concerns about data sharing and ensure trust in the security and benefits of the platform, especially when services they use may not align with participating companies?** UWI offers a comprehensive suite of services – including Wallet Solutions, Credential & Token Management, Data Verification & Exchange, and Network Orchestration and AI Agent Network Orchestration – designed to help businesses optimize operations, enhance customer engagement, and drive innovation in key areas such as KYC onboarding, personalized customer experiences, and tokenized asset transactions. The platform provides the essential tools, frameworks, and services to enable users to securely store, manage, and selectively share their personal data with trusted entities, all while ensuring privacy and minimizing exposure. With UWI, users maintain full control over what data is shared, with whom, and for how long. For enterprises, UWI integrates seamlessly with existing workflows, ensuring minimal disruption while offloading data management to its secure, scalable platform. This allows businesses to streamline processes without sacrificing operational continuity, enabling them to focus on their core functions while UWI handles the underlying data infrastructure. Additionally, UWI's open-source, composable architecture offers businesses the flexibility to extend or customize their implementation. This collaborative approach supports the creation of new services or modifications to existing ones, ensuring businesses can scale and adapt their solutions to meet unique needs within their digital ecosystems. **Q: How does UWI scale up user onboarding on the platform for use cases involving high frequent transactions?** To drive large-scale adoption, UWI focuses on high-frequency, high-value use cases that touch everyday professional and personal activities. Beyond travel and onboarding, UWI addresses frequent needs across the end-to-end talent supply chain, credential verification, identity management, financial services, and loyalty programs. The combination of these interactions makes UWI a go-to tool for routine transactions, adding lasting value for users. Beyond the high-frequency, high-value focus we place on use cases, there are 3 other principles to drive end-user scale: - **Onboard Once, Use Broadly**: With UWI's unified onboarding, users can verify their identity once and seamlessly reuse it across a range of applications—spanning lifelong learning, workforce credentials, cross-platform financial transactions, and loyalty programs. This eliminates redundant sign-ups and accelerates user engagement. - **Ecosystem Partnerships for Scalable Impact**: UWI fosters large-scale adoption by strategically engaging in partnerships across industries, addressing both broad, cross-industry opportunities and specific, process-driven needs. At the intersection of AI and identity standards, UWI is exploring collaborations to create an immutable identity and data control layer at the individual level, ensuring trust and transparency in digital interactions. In parallel, UWI is also targeting sector-specific partnerships, such as bridging interoperability gaps for financial services companies operating digital asset platforms. These partnerships will scale UWI's infrastructure, delivering value across diverse ecosystems. - **User-Centric, Privacy-Preserving Design**: UWI offers secure, hyper-personalized experiences that empower users to control and share their data across trusted touchpoints. Designed with privacy at its core, UWI ensures seamless, data-secure interactions that meet the rising expectations from consumers. This approach encourages ongoing engagement by delivering tailored experiences while maintaining trust and data protection. **Q: How does UWI handle Consents and Data Privacy?** The UWI platform is built on a foundation of trust, prioritizing data privacy and regulatory compliance through a holistic approach. Central to this approach is the principle of Universal Data Exchange, ensuring secure and transparent data handling. The platform places a strong emphasis on user control and transparency, requiring explicit consent before any data is shared or accessed. Users are provided with clear, straightforward information about the data being requested, its purpose, and who will have access, all presented in an easily understandable format. This empowers users to make informed decisions. Consent is actively granted by the user through a clear action, and they retain the right to withdraw that consent at any time. To enhance privacy, the UWI platform follows the principle of data minimization, sharing only the essential data required for each specific use case. This approach reduces the risk of unnecessary data exposure. Robust security measures, including encryption and strict access controls, are in place to protect user data from unauthorized access, use, or disclosure. The platform also supports a wide range of devices, platforms, and identity solutions, ensuring inclusivity and accessibility while upholding rigorous privacy standards. By adhering to these principles and complying with key data privacy regulations such as GDPR, the UWI platform creates a secure and trustworthy environment for all participants. This strong commitment to data privacy builds confidence in the platform, encouraging broader adoption and active participation within the UWI ecosystem. **Q: How is UWI adhering to the data privacy laws that are varying across countries?** UWI is built with a steadfast commitment to data privacy and security, adapting to the ever-changing regulatory environment worldwide. Here's how UWI achieves a high level of privacy and trust with adequate security, together with the flexibility to implement regulatory requirements of specific countries: - **User Empowerment**: Individuals maintain complete control over their data, deciding what is shared and with whom. Individuals interacting with the UWI will be able to decide where their data is stored, whether on their own device or with individually hosted cloud-based agents. This focus on consent, data minimization, and user rights ensures compliance with major regulations like GDPR and others, while also preparing for future privacy laws. - **Secure Data Storage**: On the UWI, Credentials and Tokens containing PII data cannot be accessed by unauthorised providers, including the storage providers. While the data is in transit, for example, exchanged between holder and verifier it is encrypted. Where the data resides, for example in a holder's app or cloud agent, it is stored in secure enclaves on iOS and Android devices or on Cloud HSM solutions. Sensitive information is never exposed on a blockchain or public registry. - **Privacy Event Response**: If privacy is suspected to be compromised, UWI's immutable data trail allows for investigation and verification. In such an event, data portability enables seamless transfer to another service provider. The wallet holder has the right to stop providing data to any counterparties, agents and technology providers at any time. - **Open Standards and Global Trust**: Accenture's and NTT DOCOMO GLOBAL's involvement in the Linux Open Wallet Foundation and other decentralized identity communities strengthens UWI's dedication to promote interoperability and adoption of secure digital wallet solutions. It is ensured UWI is built according to shared guidelines created by the ecosystem. Participating platforms must surface any privacy disclosures during interactions with individuals and should attempt to reduce and limit tracking and correlation. - **Regulatory Readiness**: UWI is designed to comply with existing regulations and is adaptable to meet new ones as they emerge such as eIDAS. The paradigm of "User Empowerment" described above allows the UWI to segment and isolate data based on jurisdictional requirements, ensuring that data from different regions is stored and processed separately where necessary. This prevents data from being inadvertently transferred or accessed across borders, aiding compliance with varying data protection laws. UWI's technology-agnostic, interoperable design, coupled with a strong focus on user control and data security, creates a robust solution for navigating the complex and evolving landscape of data privacy regulations across various geographies and industries. --- CTA: Back to Help Center (/faq) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # FAQ: Use Case Specifics **Q: What is the connection between Digital Identity and Payments?** Identity and payments are intrinsically linked. Fundamentally, identity is key to establishing trust, security, and compliance. Identity verification plays a pivotal role in ensuring the legitimacy of payment transactions and financial management, with mechanisms such as Know Your User (KYC) compliance and user authentication serving as essential components. Therefore, the two topics are inter-connected. This connection gives rise to a UWI key differentiator – its tying together of experiences involving identity, money, and objects. Today, experiences along these three dimensions are often managed and executed across various and fragmented technology solutions, resulting in overhead to reconcile across them. Overall, the connection between decentralized identity and digital payments lies in their shared goals of privacy, security, user experience, trust, and interoperability. Leveraging decentralized identity for digital payments can enhance these aspects and provide a more user-centric and secure payment experience. **Q: Can you elaborate with examples of how Digital/Decentralized ID (DDI) and Verifiable Credentials (VC) adoption leads to tangible value generation?** DDI and VCs typically consist of data that, on its own, offers limited opportunities for monetization, such as driver licenses. However, when combined with UWI, they gain added potential. UWI introduces Money and Objects as additional data types, expanding the possibilities for monetization. Furthermore, UWI's focus on dynamic data as opposed to static data, significantly broadens the range of data it encompasses and the value it can deliver. As demonstrated earlier, the adoption of DDI & VC is gaining momentum, and the ecosystem is evolving accordingly and coming together. We are currently conducting an internal pilot in collaboration with Gen, focusing on enabling HR teams to verify crucial candidate information, such as college diplomas, by utilizing verifiable credentials (VCs). With the growing prevalence of DDI & VCs, we envision the issuance and verification processes being facilitated through UWI, leading to further automation. This, in turn, incentivizes enterprises to explore UWI as a solution for automating processes, improving efficiency, and mitigating risks. **Q: What value does combining the Digital Identity and Payments unlock?** By combining digital identity with payment systems, companies can unlock significant value by enhancing security, streamlining user experience, enabling personalized services, and ensuring compliance with regulatory standards. Robust security measures, such as biometric authentication and multi-factor authentication, strengthen defenses against fraud and unauthorized transactions. Additionally, the integration of digital identity and payment systems allows for personalized offerings, targeted promotions, and tailored loyalty programs based on comprehensive user profiles. Additionally, as part of our efforts, we are actively involved with the Global Acceptance Network (GAN). The GAN is a non-profit organization that seeks to establish and govern a layer of digital public infrastructure that interconnects digital trust ecosystems, enabling parties to form authentic, private, and secure digital relationships that encourage the growth and value of the decentralized data economy. The GAN will facilitate safe and secure data exchange across various ecosystems while encouraging them to evolve independently. The GAN points its efforts at the need for credentials in one network to be capable of validation in another network. Moreover, against the backdrop of AI, regulatory drivers (i.e., Privacy Laws), and changing consumer expectations, the GAN is well positioned to deliver on the promise of self-sovereign identity for people across their digital lives. **Q: How is using a government issued unique identifier like a social security number or the MyNumber system in Japan different to UWI?** When using a state issued unique identifier like the MyNumber system in Japan it's used to verify the uniqueness of your request/claim to a service provider on the basis that only the requestor has knowledge over that unique number and in turn the service provider trusts that the party claiming who they are, are in fact who they are to associate services to that unique identifier. In this scenario personal data still sits with that service provider who needs to maintain and manage that data in compliance with applicable laws and regulations. While it's a good approach for better customer identification there's still very little control by the data holder to what's shared and for how long as well as potential risk of correlatability and data leakage. UWI is using/utilizing verifiable credentials, based on industry standards for maximum acceptance and universal use, as the means to prove claims. Claims include digital identity, specific attributes of an individual, membership status or other claims over ownership. Through UWI the data owner remains in full control over their data, to whom it's shared and how long for. This not only increases data privacy and security but also allows for enterprises to get access to accurate and consented information without the burden of managing its lifecycle. --- CTA: Back to Help Center (/faq) ## Get in Touch with Us If you have any further inquiries, please contact us using the form linked below. Someone from the UWI Support team will reach out to you. We also welcome any feedback or insights regarding UWI. If you prefer to reach out to us directly, please email us at UWI.support@accenture.com. CTA: Contact Us (/contact-us) --- # ============================================================ # UTILITY PAGES # ============================================================ # Get Started Join our community of innovators as we empower users and transform businesses by seamlessly integrating the digital and physical worlds. CTA: Contact Us ## Partner with Us Inviting all interested Enterprises and Technology Partners to get in touch with us today to begin their UWI journey where we will jointly shape the future of digital interactions. **For Enterprise:** - Identify Challenges & Opportunities - Develop Priority Use Cases - Define Early Value - Initiate Proof of Concept/Value **For Tech Partners:** - Identify Collaboration Opportunities - Conduct Technology Deep Dive - Explore Integrations - Set Up Evaluation Environments ## Your UWI Adoption Journey From initial integration to full-scale rollout, each step along the UWI adoption journey helps your organization move quickly, implement securely, and scale with confidence. **Step 1: Discover & Align** - Understand the Value of UWI: Learn how UWI enables secure, verifiable digital interactions across identity, money, and objects. - Define a Strategic Use Case: Collaborate with our team to identify a high-impact, measurable use case tailored to your business goals. **Step 2: Prototype & Validate** - Simulate Real Credential Flows: Run controlled pilots to test how credentials are issued, held, and verified to ensure technical fit and user experience alignment. - Refine with Expert Support: Work closely with UWI specialists to validate feasibility, gather feedback, and shape the solution to your needs. **Step 3: Launch & Integrate** - Deploy with Confidence: Move from pilot to production with guided implementation, including system integration, compliance alignment, and go-live support. - Deliver Real-World Value: Start issuing and verifying credentials in live environments, improving user experience and operational efficiency. **Step 4: Expand & Lead** - Scale Across Networks: Extend UWI to new departments, partners, or geographies - connecting to trust registries and wallet providers. - Innovate Continuously: Access new capabilities like AI-driven identity, tokenized data, and privacy-preserving services as part of the UWI ecosystem. ## The Role You Can Play in This Collaborative Ecosystem and Data Economy - **Issuer, Minter (Data Provider)**: Generates the data, credentials or tokens into Holders' wallets - **Network Operator (Governance Authority)**: Governs and defines standards for an association of members in the ecosystem - **Verifier, Receiver (Data Consumer)**: Requests or consumes the data, credentials or tokens from the Holders' wallets - **Individual or Institutional (Wallet Holder)**: Has agency over the wallet ## Let's Make This a Collective Journey CTA: Contact Us What UWI brings: - **Host Success**: Develop capability and infrastructure of the UWI platform - **Trust and Neutral**: Provide services to facilitate trusted verification exchange - **Interoperability**: Define standards and protocols needed to operate the future of the internet - **Business Integration**: Bridge the gap between business needs and technology solution - **Co-develop**: Co-define and architect the UWI platform - **Make it Work**: Provide advanced technical and operational delivery expertise What partners ("You") bring: - **Industry Insights**: Bring unique industry expertise and understanding of market requirements - **Network Diversification**: Realise new products & services that can be leveraged across industries, expanding the ecosystem - **Innovation Partners**: Leverage UWI capabilities to deepen trust & interoperability via integration and/or co-creation --- # Contact Us Register your interest and preferred mode of collaboration, the UWI Support team will reach out to you as soon as possible. Alternatively, you can reach us directly at UWI.support@accenture.com. Form fields: First Name*, Last Name*, Company Email*, Your Message*, Privacy Policy agreement checkbox*, opt-in checkbox for news/updates, Submit button. ---