ADVANCING DIGITAL FINANCE INNOVATION, TRANSPARENCY AND INCLUSION

DFI Digital Finance Institute

www.digifin.org

•  The DFI is a not-for-profit digital finance think tank, based in Vancouver BC.

•  The DFI represents the strategic link in digital finance between industry, academia, financial regulators and policy makers to promote sector vibrancy, resiliency and integrity through leading advocacy, research and education.

•  The DFI promotes dialogue and initiatives to support economic growth, skills development and job creation through digital finance innovation, transparency and inclusion across industry and public sectors in developed and emerging markets.

DFI Mission

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Digital banking - Branchless banking

- Micropayments

Cryptocurrency protocols

- Digital tokens - Smart

contracts

Internet of value exchange

- Mobile commerce

- Tokenization

The globalization of finance

convergence

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Digital Value Exchange

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Producers / Creator(s)

Distributed Autonomous Trading

Zones (DATZ)

Users / Consumer(s)

Co-creation of value:

The production and interexchange of digital goods and services e.g. content creation (music, artwork, books, design); smart contracts; share

certificates; legal; accounting; machine-to-machine trading; peer-to-

peer lending, crowdfunding; gifting; resource, knowledge

and skills sharing; etc.

Interexchange of value.

Storage & Distribution of Value:

Distributed autonomous trading zones for digital

storage of value e.g. distributors; exchanges; market makers, smart

contracts; tokens; altcurrencies; loyalty

schemes; promotions etc.

Activities, transactions and usage recorded/stored in distributed

ledgers (blockchains).

Access to value:

Contemporaneous users, consumers, aggregators, marketspaces, resellers,

licensees, merchants, agents and promoters of

digital goods and services.

The ‘internet of things’ meets the ‘internet of

value exchange’.

Emerging fintech ecosystem

Emerging digital

currency technologies &

innovations

Established financial

institutions & markets

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Emerging fintech technologies & innovations

Established institutions & markets DFI

Emerging

Disruptive

Access

Trust

Legacy

Status Quo

CONVERGENCE:A bridge between two worlds

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The DFI bridges both worlds through exploratory dialogues and collaborative action research to co-create sustainable futures

Innovation

•  Dialogue “platforms” and events (e.g. Mont Fleur scenarios)

•  Think tanks and experiential collaboratories

•  Emerging trends analysis in digital finance platforms

•  Surveys, R&D & Knowledge sharing

•  Convergence & Integration collaboration opportunities

Transparency

•  Regulatory bodies: Country-specific and global regulatory climate

•  Authorities: AML, Fraud prevention, KYC & Anti-terrorism next practice

•  Service providers: Governance, Risk & Compliance reporting & monitoring

•  Merchant / Consumer: Education; Security & Identity protection

Inclusion

•  Bottom of the pyramid: Serving the unbanked & financially excluded Social innovation

•  Leveraging the collaborative / sharing economy for sustainable futures

•  Fintech leadership and education

•  Women in digital finance

•  ‘Safe harbor’ for investors & entrepreneurs

DFI Focus Areas

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DFI Innovation

•  Support globally is growing for digital finance ecosystem startups, entrepreneurs, and investor communities that are –  integrating distributed digital banking, mobile

transactions and cryptocurrency technologies and delivery platforms; to support

– participation in the emerging digital economy market areas such as microfinance, peer-to-peer lending, diaspora remittances, socially & environmentally motivated initiatives, etc.

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•  Transparent processes lead to trust and increase the bandwidth of value exchange. As with digital marketplaces that constitute the share economy, success hinges not on simply providing a service but on the quality of the experience. And, most importantly, is it affordable, secure and accessible?

•  There needs to be broader involvement and greater international collaboration around standardized and balanced regulation over digital finance, and related technology issues; and the monitoring of regulatory performance and reform for effective consumer and investor protection.

DFI Transparency

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•  Financial inclusion is a key driver of a future sustainable global society with fair and equitable access to resources, wealth, value exchange and affordable and relevant financial services. The availability of banking and payment services to the entire population without discrimination should be the prime objective of any financial inclusion public policy.

•  The development of innovative solutions is required to solve the problems of financial inclusion; to support sustainable economic growth; and to advocate for greater participation of women and excluded communities in financial technology and the digital economy.

DFI Inclusion

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The DFI is seeking partnerships and resources to support the following initiatives: •  Women in digital finance & ICT (creating role models, incentivize through

bursaries, and supporting grassroots community initiatives). •  Digital finance literacy (outreach through eLearning & MOOC/eLearning

applications, and community based programs). •  Financial inclusion for the unbanked/underserved (exploring and

extending alternative financing innovations and complementary cryptocurrency, mobile commerce and digital banking platform integrations).

•  Selection and custodianship, regulatory support and resourcing of sustainable digital finance solutions to address the needs of the unbanked and informal sectors at the ‘bottom of the pyramid’.

DFI Initiatives

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•  To support training and education in digital finance literacy, access and applications of the latest innovations entering the market thanks to the convergence of digital finance platforms.

•  Aimed at unbanked and underserved communities, and to support financial inclusion efforts.

•  Key outcomes: To promote supportive regulatory regimes; skills development and user education; related economic growth, job creation and digital literacy; and increase the role of women in fintech.

DFI Digital Finance Literacy Project

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•  The deployment of distributed payment networks to support diaspora remittances, foreign aid distribution, refugee and health crises and disaster relief efforts, climate action efforts, unbanked and underserved communities, etc.

•  This project will research the latest financial technology innovations and assess and support potential solutions for the respective target audiences and interventions.

•  Key outcomes: Promoting supportive regulatory regimes and investments. Providing access to affordable and secure financial services; community engagement; skills development and user education. Promoting economic growth, job creation and the increased participation of women in fintech.

DFI Distributed Payment Networks Project

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DFI Future of Capitalism: THNK collaboration

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VANCOUVER: MAKE THE FUTURE 2015

DFI Future of capitalism:THNK collaboration

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CREATIVE LEADERSHIP PROGRAM 2015

Manie Eagar Co-founder & Chairman

+1 (604) 992-1124 manie@digifin.org www.digifin.org

DFI Contact

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