How a better approach to identity management can empower customers, enable compliance and cut down costs

Paper onboarding and cumbersome databases no more. Photo by Wesley Tingey on Unsplash

By Arjun Govind and Victor Boardman

This piece is the fourth installment of a series on digital identity. This series aims to explore the evolution of digital identity, the state of self-sovereign identity today, and its use cases.

Check out previous installments here:
Part 1: The Evolution of Digital Identity
Part 2: Self-Sovereign Identity: Under the Hood
Part 3: Is Self-Sovereign Identity the Answer to GDPR Compliance?

InsurTech has come a long way over the past decade — just think about the hassle of filing a claim a decade ago versus now. What was once mountains of paperwork and hours…


This piece is the third installment of a series on digital identity called “Please Allow Me to Introduce Myself: The Past, Present, and Future of Digital Identity.” This series aims to explore the evolution of digital identity, the state of self-sovereign identity today, and its use cases.

Check out previous installments here:
Part 1: The Evolution of Digital Identity
Part 2: Self-Sovereign Identity: Under the Hood

Photo by Thomas Kelley on Unsplash

Hopefully, following my last piece, the theoretical advantages of a self-sovereign identity solution are clear. From easy verification to managing revoked credentials, advantages abound — at least on paper. However, that in and of…


This piece is the second installment of a series on digital identity called “Please Allow Me to Introduce Myself: The Past, Present, and Future of Digital Identity.” This series aims to explore the evolution of digital identity, the state of self-sovereign identity today, and its use cases.

Check out previous installments here:
Part 1: The Evolution of Digital Identity

Photo by Evan Hein on Unsplash

In my last piece, I concluded with a somewhat grandiose claim — that self-sovereign identity (SSI) has the potential to be the future of the identity and access management industry. I went on to identify some broad guiding principles that SSI…


Photo by Lukenn Sabellano on Unsplash

This piece is the first installment of a series on digital identity called “Please Allow Me to Introduce Myself: The Past, Present, and Future of Digital Identity.” This series aims to explore the evolution of digital identity, the state of self-sovereign identity today, and its use cases.

Think back to the last time you called your bank’s customer service line, only to have to recall obscure facts about your elementary school to authenticate yourself. Or that scramble to see if your personal information was compromised when your usual fitness app or airline gets hacked (looking at you, MyFitnessPal and British…


Photo by Jonas Leupe on Unsplash

As far as payment technology has come in the past decade, our approach to digital identity has not kept pace. After all, think about how you would settle up with a friend after dinner today versus ten years ago on the one hand, and how you would prove you’re above 21 to the waiter on the other. The prospect of integrating digital identity with payments has the potential to solve a range of issues that have historically dogged the payments space — from fraud to regulatory compliance. …


What should a regulatory framework for crypto cover? Laws nations should write — and how to enforce them.

Photo by Sebastian Pichler on Unsplash

As an asset class, cryptocurrencies raise a whole host of regulatory questions, spanning illegal transactions à la Silk Road to consumer protection. Today, while there have been innovative regulatory approaches, crypto often suffers from austere regulatory environments, most recently with India’s proposed 10-year jail sentences for so much as holding cryptocurrency.

I believe that approaches like India’s blanket ban fail to capture the incredible promise that this asset class has. In this article, I hope to present a framework to understand cryptocurrency regulation that I believe offer a more effective regulatory structure for this burgeoning technology.

Trending Cryptocurrency Hub Articles:

1. Saving Billions: How…


Photo by Charles Koh on Unsplash

We’ve heard a lot about WeWork’s (or post their re-brand, the We Company) plans to go public as soon as next month. You may have heard that they’re the largest commercial tenant today in cities like New York and London. You may have heard that their revenues are growing 100% year-on-year.

However, while WeWork’s office decor certainly looks glamorous, I have concerns with their business model, traction and risks should the economy turn bearish. Here’s why I believe WeWork’s IPO could premature.

The WeWork Business Model — and its Pitfalls

WeWork at its core makes money by leasing large prime-real estate buildings, sprucing it up its décor with…


Photo by Con Karampelas on Unsplash

Amidst all the talk about Russian collusion and obstruction in the 2016 US election, one facet of the election that’s gone largely overlooked is how Russia attempted to use social media to influence this election. One way Russia did so was through “troll factories”, producing incendiary tweets on Twitter to polarize public sentiment here stateside.

When I saw that FiveThirtyEight had written about and compiled a dataset of these fake Russian tweets, I was curious to explore these. As you’ll see in the wordclouds, some features of these tweets seemed reminiscent of Trump’s tweets. As such, I’ve decided to compare…


By Arjun Govind on ALTCOIN MAGAZINE

When most people think about the relationship between government and cryptocurrencies, it’s more often than not from a regulatory standpoint. As millions were made and lost as Bitcoin rose and fell, most people viewed the government as a regulator — a policer of IPOs and fraud, ensuring investors were protected.


Photo by Sharon Chen on Unsplash

Like every college student, I love a good takeout meal. Be it fried rice or pizza, good takeout is always a great ending to a long day. However, after being let down by a few places my friends had recommended (thanks guys), I wondered if I could put my Wharton analytics coursework to good use to find the best takeout place in Philly.

I decided to rely on the wisdom of the crowd, scraping and analyzing Yelp reviews of all Chinese and pizza places in Philly to find the restaurant that offered the best food at the best price.

I’m…

Arjun Govind

Digital Identity @ R3 | Wharton (Finance) + Penn Engineering (Master’s in Data Sci) ’21 | Venture Capital and Chess Enthusiast! | Twitter: @ArjunG_

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