Yes. The short answer is, yes, it's a problem.
I think we have to think about this in a very different way.
The challenge we have today with the architecture of the Internet is that every web service delivery organization is on its own when it comes to registering customers online. We can see what that's produced for all of us in the room. Some of us have ten passwords, some of us have 25, some of us have 100. Some of us have 100 but it's really just one, because it's all the same password.
So what we see in this model is that when everybody is by themselves, the only way we can have confidence that someone is really who they say they are is by having a very thorough enrolment process. This is particularly acute in government because your duty of care is so high. The consequence is that oftentimes the customer can't get through this process, and when they do, the problem is that you have all of the data. So when you get breached, you have to remediate all of the data.
We only have this problem online. In person, it's not as much of a problem. In person, we already collaborate and co-operate when it comes to identity. When I want to get a bank account, I bring in a government-issued ID and something from somewhere else and I can get a bank account. When I want to prove I've lived in Ontario for six months, I bring my bank statements to show I've been living at that address for that long. We already co-operate in the real world in doing these identity services. It's only online where we have this challenge.
So one of the things I would put to you is that one of the things you should be thinking about is not merely solving this from the government point of view but thinking from an economy point of view. The challenge, and one of the reasons the banks are here and they want to be in on the scheme, is that from a banking point of view, this is not that interesting from a revenue point of view. They want to be able to open bank accounts online and they want to take the risk problem down. The challenge they have is that they can't verify that the driver's licence is real. What the crooks do is to take a real driver's licence like mine, scratch my photo out, stick their photo in it and go get a line of credit; and they're defenceless against that type of attack.
What the banks want the government to do is to get its house in order and to make all government-issued documents ready to participate in the digital economy.
Back in 2008, Minister Flaherty put together a task force here in Canada to talk about how we were going to make digital payments work. That task force ran for about two years. I participated in it and the report that was produced by Pat Meredith—who did a very good job of running the task force—said that you can't have a digital economy and can't do digital payments without having digital identity.
With digital identity, the point is that it has to work across the economy. It's not about solving health care. It's not about solving the CRA's problem. It's about solving it for the consumer across the economy, because when you look at your own life, the counter is that you have to show up with your driver's licence to get the thing you want, and that takes a long time.