FinTech Connect Live, 6 - 7 December 2017
Combining the hustle and bustle of an exhibition featuring over 3000 visitors, and 200 exhibitors and partners from over 50 countries, FinTech Connect Live is the UK’s largest fintech event. Playing host to 4 strategic conference sessions with inspirational case studies from around the world, a technology buyers theatre with 50 product demos, 12 educational workshops tackling practical fast growth challenges, and two full days of dedicated mentoring clinics for start up leaders, all brought to you from over 300 of the industries finest speakers, FinTech Connect Live is the ‘must have ticket’ for stakeholders from across the full fintech eco-system.
FinTech Connect Live provides a platform for all those attending to collaborate, differentiate, form connections, source solution, conduct and generate business with new, existing and upcoming fintech players in the market.
10 free conference passes are available for Eurosmart's members, please register here and indicate the invite code Eurosmart100 to get your free pass.
TRUSTECH - Pay, Identify, Connect & Secure
Radio Equipment Directive (RED) 2014/53/EU impacts the way in which the RFID products are placed on the European market. Eurosmart issued on 6th November a position paper to present its understanding of the Directive. Besides, in order to clarify the scope of the directive, Eurosmart addressed a list of questions and recommendations.
The Radio and Telecommunication Terminal Equipment (R&TTE) Directive 1999/5/EC establishes a regulatory framework for placing and putting into service radio and telecommunications terminal equipment on the free market. It was repealed by the Radio Equipment Directive (RED) 2014/53/EU that has been applicable since 13 June 2016. After a transitional period, equipment covered by the Radio Equipment Directive must be brought into conformity by 13 June 2017.
The new RED guide issued by the European commission in 19 May 2017, specifies that “Non-radio products (e.g. passports, credit cards) which are tagged are not radio equipment and do not require CE marking and contact details for the purposes of RED.”
According to our understanding, the guide is not refined enough, therefore national authorities could interpret the provisions of the directive in several ways (see below).
Exemples of passive RFID products which do not fall under the Radio Equipment Directive (RED) 2014/53/EU
The Draft Cyber Act Regulation is a matter of European industrial policy and economic growth as well as being of importance for European digital sovereignty and societal choices.
The level of resistance to potential attacks on European encryption solutions will be key to the technical transposition of articles 7 and 8 of the European Union Charter of Fundamental Rights, which ensure respect for private and family life and the protection of personal data. This puts the Cyber Act at the heart of the digital democracy.
The Cyber Act could become a de-facto social contract for the digital age. Therefore, we will bear the responsibility for drawing up fair provisions which uphold the interests of European citizens, Member States, European industry, the European Institutions and the digital single market. We must make sure that the process of establishing confidence in products through a new certification framework driven by ENISA is beneficial to European citizen in the first place.
Eurosmart’s members are the world’s leading companies in digital security in a wide range of sectors. Our members share common European roots and take pride in their contribution to the achievements of the European Union’s digital single market.
With over 25 years of experience, our industry has made a huge contribution to European excellence and expertise in the field of cybersecurity and provides robust cryptographic solutions throughout the world.
Embedded in our Digital Security technology, European security certifications issued under the SOG IS MRA have been requested by more than 120 countries worldwide in order to secure their critical infrastructures such as electronic passports. These SOG IS MRA certifications are also used in highly secured environments by, amongst others, NATO and the European Parliament, with the latter using them for electronic voting systems.
Whilst Eurosmart supports the creation of a European Cyber Security certification framework, we believe that the existing SOG-IS MRA expertise and principles, the quality of which is unmatched anywhere else in the world, needs to be consolidated and extended. The Cybersecurity Act is a unique opportunity to further develop the European cybersecurity ecosystem, which consists of small and medium-sized enterprises. To make the most of this opportunity, the Act needs to ensure fair and transparent processes.
Eurosmart, the association representing the European digital security industry, welcomes the adoption of a new European Cybersecurity Act, which includes a new harmonised security certification and labelling framework.
Eurosmart fully supports the Commission’s proposal for a cybersecurity act granting ENISA a key role as a cybersecurity agency with full operational capabilities. The creation of a European Cybersecurity Certification Group in the European cybersecurity framework is also welcomed by Eurosmart as it will foster enhanced coordination of existing security certification schemes.
The European worldwide leadership of digital security industries and associated eco-systems is dependent upon the very high security level ensured by the current SOGIS MRA (“Senior Officials Group Information Systems Security- Mutual Recognition Arrangement”) certification scheme.
This Digital security technology is a unique European success, more than 120 countries in the world use it for securing their electronic passport, all well-known high-end smart phone manufacturers use it to protect their critical assets, as does the European Parliament with the latter using them for electronic voting systems.
It should be noted that even the US Department of Defense (DOD) is using European technologies (secure elements) to protect their critical infrastructure and that NATO uses European technologies certified by SOG IS MRA in Europe and FIPS in the USA. Products that are currently in use have both certifications.
It is of the utmost importance that high performance levels are maintained in order to counter potential attacks on the new European cybersecurity certification scheme and to preserve European leadership via an EU security eco-system which consists of:
· Providers of secure hardware-based products;
· Encryption providers (local & cloud based);
· European High Security Hardware (HSM) providers;
· European Mobile operators, to securely manage network authentication;
· Research labs
· The cryptographic community – a large part of the European cryptographic community is working for European smart industry and its eco-system;
· Existing pen testing groups;
· Europe’s existing accredited labs (with some pen-testing capabilities).
The European Union should build on Europe’s unique worldwide expertise to maintain a high level of encryption resistance and high security levels for electronic identification, electronic authentication, web and cloud electronic services and electronic signatures.
SOG-IS mutual recognition is operational in the EEA and is processing various security products in a range of IoT domains, such as:
· Homeland security with secure travel documents and secure border control;
· Security on the highway with electronic tachographs for lorries and buses and digital driving licenses for citizens;
· Digital identity documents in the public sector for web and cloud applications with national eID-Cards and residence permit cards for 3rd country nationals.
· Finance with debit and credit cards;
· Health with health and professional cards & HSMs;
· Transport with electronic vehicle registration cards;
· Secure communication with embedded TPM or secure elements in PCs/laptops/tablets, which are required for MS WINDOWS 10 and higher.
1) Eurosmart highlights the need for vigilance in order to ensure a smooth transition from the existing SOGIS MRA scheme towards the future European schemes that should have the SOGIS MRA principles in a dedicated appendix of the Cyber Act regulation from day one. We should also recognize the strategical role of the existing national security agencies in the past 20 years in creating the best in class temper resistance cryptographic devices and software and services.
Eurosmart advocates for an evolution of mutual recognition arrangement to all Member States, without jeopardizing the quality of the evaluation’s requirements and methodology.
2) Certification versus Labelling:
In the proposed regulation, only cybersecurity certification is described with no mention of the notion of labelling.
As regards consumers and citizens, and as an additional approach, the creation of a European Union trust label can raise awareness of cybersecurity aspects pertaining to trust, privacy and confidence. Raising consumer awareness of security aspects will enhance confidence and trigger a market demand for connected devices.
1. In the European Accreditation Agreement (referred to in Regulation (EC) 765/2008) more than 36 countries are full members. How can we limit this to the 28 EU Member States (soon to be 27)?
a. Does Conformity Assessment Bodies in non-European Countries that are full members of the European Accreditation perform a European Certification on a given product?
b. Consequently, what would be the definition of a European CAB?
c. And what about the definition of a European Country?
d. Would non-EU countries covered by the EA agreement have to create their own National Certification Supervisory Authority (NCSA)?
e. Would such a National Certification Supervisory Authority have some “power of investigation” vis-a-vis a foreign CAB? And the EU CAB?
f. How could non-European Standards (e.g. FIPS/USA, GHOST/Russia, SCOSTA/India, OSCCAR/China) be integrated?
g. How could ENISA ensure the appropriateness of and conformity with international standards used in (already) approved schemes?
2. The PWC study SMART no 2016 - 0029 that was used to perform the Impact analysis referred to several “errors” in the SOG-IS-MRA whilst the latest study on ENISA (published on the 19th of September 2017) is much more complete:
a. Why was the ENISA study not published earlier so that it could be used in the impact assessment?
b. What form will the submission of a list of errors to the Commission, Parliament and Council take? Eurosmart will be preparing and publishing some documents to highlight these “errors” in the coming weeks.
3. How can a fair & transparent process be ensured during the preparation of the security certification schemes?
In the proposed governance scheme there is no counter-power to ENISA and the selected sub-contractors would be mainly consultants (as defined in the PWC Impact assessment).
How can we mitigate the risk of experienced lobbyists seeking to influence the preparation of the security certification schemes whilst showing disregard for the interests of the European SMEs that are at the core of the current EU cyber security expertise in EU Member States?
4. How can we define a “European Association”?
5. How can we ensure that ENISA is transparent?
To ensure transparency in ENISA’s determination of the stakeholders who will review the proposed certification schemes, we should invite the Council & the Commission to certify European stakeholder associations to ensure that they actually represent European industry and thus mitigate the risk of a consultancy firm misrepresenting European interests.
Eurosmart, the Voice of the Digital Security Industry, is an international non-profit association located in Brussels, representing the Digital Security Industry for multisector applications. Founded in 1995, the association is committed to expanding the world’s Digital secure devices market, developing smart security standards and continuously improving the quality of security applications.
Members are manufacturers of smart cards, secure element, semiconductors, secure software, security evaluation laboratories, High Security Hardware, Biometric technology providers, terminals, system integrators, application developers and issuers who work in dedicated working groups (security, electronic identity, communication, Cybersecurity, marketing). Members are largely involved in research and development projects at European and international levels.
Eurosmart members are companies (Fingerprint Cards, Gemalto, Giesecke & Devrient, GS TAG, Idema, Imprimerie Nationale, Infineon Technologies, Inside Secure, Linxens, Nedcard, NXP Semiconductors, +ID, Real Casa de la Moneda, Samsung, Sanoïa, STMicroelectronics, Toshiba, Trusted Objects, WISekey, Winbond), laboratories (CEA-LETI), research organisations (Fraunhofer AISEC), associations (SCS Innovation cluster, Smart Payment Association, Mobismart, Danish Biometrics).