Keith is excited for his upcoming
vacation   ​

Keith’s airline, hotel, and other travel service providers use UWI to gather his preferences. His flight ticket is then issued as a credential. Keith’s itinerary, preferences and more are shared with his consent, enabling a holistic view of who he is and what he cares about.

With a better understanding of Keith, his trip details and needs, businesses can now craft hyper-personalized experiences, anticipating Keith’s needs and desires. Keith has a ride waiting for him when he exits the airport, is upgraded to a room with a view, and is sent an offer for a history-filled city tour.

Leveraging the UWI, the airline and its partners can transform a simple transaction into an enduring relationship; demonstrating the power of hyper-personalization to orchestrate exceptional experiences that foster loyalty and drive repeat business within the ecosystem.​

Business models face friction from fragmented and inefficient data practices. Manual data sharing often leads to errors, and relying on outdated or incomplete third-party data adds uncertainty to understanding customer preferences. This disconnect between businesses and customers creates missed opportunities for personalization and engagement.​

By empowering customers with ownership and agency over their data, UWI enables a new era of customer-centric business models, where offerings are tailored to individual needs and preferences based on user driven data sharing, leading to increased satisfaction and loyalty.​

Sasha shares her wellness data

Sasha interacts with a variety of businesses who can better serve her with more information on her wellness journey. Leveraging privacy preserving mechanisms, Sasha decides to share information about her diet plan, genetic test results, and even real-time, up-to-date wearable health data across an ecosystem of trusted businesses.

Using this rich data, businesses like her gym, food delivery service, local grocery store and her favorite CPG brands can gain a deeper understanding of Sasha’s specific needs and goals.

Armed with previously unknown insights, these businesses can create new services and products to cater to Sasha’s health needs.

At present, customer data is scattered across platforms, often siloed or inaccessible due to privacy concerns. This fragmentation prevents businesses from obtaining a holistic view of their customers, making it challenging to create products and services that genuinely connect with their audience.

The UWI addresses this challenge head-on by revolutionizing how data is shared and utilized. It creates a secure and transparent environment where customers can willingly share their data, knowing their privacy is maintained, their data is protected, and their information is used responsibly.​

Sarah’s vehicle requires service

Sarah just bought a new car and linked its connected data service to her wallet, receiving real-time vehicle health updates through a credential issued by the manufacturer.

Her auto insurance company offers her a discount on her premium if she shares her vehicle data with them. They also provide helpful reminders for preventative maintenance.

To attract new customers, a large chain of Service Repair Shops partners with the insurer to offer a 15% discount to policy holders. This means the insurance company can proactively engage Sarah with a pre-funded, tokenized voucher from the Repair Shop. Sarah can use the voucher to claim her service, easily redeeming it at a nearby location.

The UWI revolutionizes the digital landscape by serving as the backbone of a connected ecosystem.​ Today, Sarah’s car data is trapped in her vehicle, only sharing information directly with Sarah. With the UWI, Sarah is able to unlock that data for a broader network to enable intelligent insights, convenience and value for all connected parties.

Sarah’s needs are anticipated before indications become issues, and seamless support from her Insurance Provider and the Repair Shop make maintenance simple and straight forward. The Insurance Provider gains better insight of the car, trust in the consumer and offers a great experience, while the Repair Shop gains a new, loyal customer.

Alex is opening a bank account

The bank uses UWI to streamline their onboarding process, turning what was once days-long into a near-instant approval. Alex already has a Universal Wallet – along with credentials for her driver’s license, credit history, proof of employment and more – so the application is as simple as a couple of taps.

Alex opens the application, connects her wallet, consents to share her credentials and is approved on the spot. As a result of the successful approval, the bank issues Alex an account credential. With this credential, they can foster a more meaningful and rewarding relationship with Alex by better understanding her assets, context and needs. Her experience is further improved with features like password-less login and secure transaction approval.

Validation of personal information is time intensive and errors are costly. For the customer, it also means manually consolidating and entering data from multiple sources.

Credentials issued through UWI eliminate the need for repetitive data entry and ensures the information is accurate as it is issued by trusted parties.

This enhances the customer experience and significantly reduces operational costs for institutions, minimizing the resources required for data management and verification.