One of our major future concerns will be to ensure that one is who one is (on the web, mobile phone etc). Ascertaining one's identity is therefore a very major market. Worldwide there is the Passport initiatieve by Microsoft and the countervailing Liberty. But these two private initiatives are now facing a third opponent. The European Forum for Electronic Business (EEMA) is working on a white paper that should be a basis for all in the identity market (including banks of course). This paper will be called ‘Towards Understanding Identity’.