There is an identity ecosystem emerging in North America that is unique in the world. It is a multi-enterprise service that is focused on making more meaningful services available online while at the same time making it easier for users to enroll, access and control information shared by these services. Things like easy access to online government services, opening a bank account on the internet, proving your identity for new services online, registering your child at school or participating in an education portal are becoming possible. The service model for the Internet is moving from app-centric to user-centric. The current password model of authentication needs to evolve. Every web service needs to make a choice between making their credentials stronger by adding multifactor authentication (BYOD) or partnering to get authentication from a trusted provider (BYOC – bring your own credential).