Upload
guillaume-larroque
View
167
Download
0
Tags:
Embed Size (px)
Citation preview
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Proposal of a disruptive Use Case for F1RSTMOBIQUITOUS BANK OF ANIMALS – BARTER 2.0 PROJECTG U I L L A U M E L A R R O Q U E – P I E R R I C K M O R I Z O T – B E N J A M I N R E N A U T – P R S E R G E M I R A N D A
W O R K I N G D R A F T V 0 N O V E M B E R 2 0 1 3
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
BARTER 2.0 ? Bank of Animals in Rural TERritories 2.0 : Social network of donators
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Context•Proposing an innovating and disruptive project in order to provide rural inclusion in India (F1RST project) and other emerging countries ( Haiti, Tunisia, Madagascar, Morocco, Senegal…)
•Economic development is mostly based on farming in developing countries with women playing a central role • Cash based transactions often create corruption
•F1RST NFC genuine context :• NO CASH OUT (mobiquitous money) • targeted NFC help (cf M-PDS Use Case in 2013)
•Extension of Mobiquitous PDS USE CASE (prototyped at MBDS in 2012-2013) 7 and CHADEK Project prototyped in Haiti in 2007 8
•« La microfinance semble aujourd’hui la meilleur solution qui a permis aux populations démunies dotées de capacités productives et créatives […] de pouvoir accéder au marché du crédit et devenir des agents actifs dans l’économie » - Dalel Mehzri, Economics Ph.D student (sfax)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
F1RST Ecosystem (October 2013)
WOLF Platform(UNSA)
SE-QL
F1RST Wallet(TCS)
FI (TCS)NREGA (TCS)
M-PDS (UNSA 2013)
E-coins (IIS)BARTER 2.0 (UNSA 2014)
DisruptiveUse Cases
StrategicUse Cases
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Bank of Animals value chain process
User invests in a part ofan animal
Money is transferred to an
NGO
An agent is charged with distributing
the animal
Secured transaction (NFC –
M-PDS like)
Transaction and project feedback (summary, photo, video)
Crowdfunding Platform (ex
Kiva) Local NGO
NGO Transaction
Agent
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Crowdfunding platform for BARTER 2.0
•The project could be a brick of an existing crowdfunding platform (e.g. Kiva, Chadek etc…)
•The user can invest a small amount of money in (part of ) an animal needed by a farmer
•Donators gain access to a private area where they can see the impact of their lending for the people they helped , track their lending and share it with other donators
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
State of the art : Comparison between key Crowdfunding Platforms
Watsi.org Kiva.org Elevagessansfrontieres.org Microworld.org Zafen.org BARTER 2.0
NFC Secured Transactions
Feedback / Update
No cash out
Beneficiary selection
DonationDetailed description
of beneficiaryRural onlyOffspring
redistribution*
Based on crowdfunding State of the Art – MBDS, Guillaume LARROQUE Pierrick MORIZOT 1 *Only for animal crowdfunding
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Key partner : Local rural NGO (or donator portal)
•Provides and manages the beneficiaries database
•Reviews and validates each project before its publication
•Once the project is fully funded, money is transferred to the NGO
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Local NGO Agent
•responsible for the distribution of the animals to the beneficiaries
•bound to a set of beneficiaries (he can browse them from the smartphone application)
•The role of the agent is very similar to the M-PDS FI Agent
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
M-PDS USE CASE within F1RST (MBDS Gemalto, 2012-2013)
Protocole HTTP
Response JSON
Data Server
FIA havingNFC Smartphone
Beneficiary
FIBs database
Beneficiary
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Transaction with BARTER2.0 beneficiaries
•The BARTER agent can identify a beneficiary thanks to his NFC ID card / sticker using his smartphone application
•Each transaction is tracked on a remote server and is totally secured (sensible data are stored onto a secure element)
•No cash outSECURE
DATA
FI, NAREGA, F-coins
M-PDS (rice bags,..)
Animals
Illustration Anne Marie Lesas (MBDS)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Transaction tracking and Feedback•The BARTER agent is allowed to post any project improvement on the frontend (from his mobile or a web browser)
•Each funder can be notified when an update occurs on a project he invested on by a message
•The agent-smartphone sensors can add specific information to any transaction (photo, video, geolocation…) for tracking
•There exists a social network of every micro-donator sharing an animal (BARTER “2.0”)
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Mobiquitous BARTER2.0 added value
TRACEBILITY
SECURITYPROXIMITY
TRANSPARENCY
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
Special thanks for their support and feedback
Dalel Mehzri, Economics Ph.D student
Anne Marie Lesas, MBDS Ph.D student
Tayana Etienne, Co-Founder and Project Lead/Manager at SOLUTIONS S.A. (Haïti)
Kurt Jean Charles, CEO at SOLUTIONS S.A. (Haïti)
Amosse Edouard, Inria Ph.D student
Mohamed Amine El Mahfoudi, Information System Manager at Mohammed VI Foundation (Marocco)
Mahamoud Sidime, IT Consultant at Groupe SII
Olfa Orfani, former MBDS student
STRICTLY CONFIDENTIAL MBDS - NOVEMBER 2013
References1. Rural inclusion NFC services based on Microfinance and crowdfunding – State of the art (Sept. 2013), MBDS
Gemalto Report, Guillaume LARROQUE – Pierrick MORIZOT
2. www.kiva.org; www.elevagessansfrontiere.org; www.microworld.org; www.watsi.org; www.zafen.org
3. Innovation in Money Transfer (2013) PDF, Gemalto
4. Opportunity: The Next Billion Consumers (2013) PDF, MasterCard presentation
5. Amosse E, Lesas AM, Miranda S, Renaut B‘SE-QL the WOLF interface for NFC development on smartphone Secure Elements” Cefipra Research Report (October 2013)
6. Mahamoud Sidime Arfani Olfa “Mobiquitous PDS : FIRST strategic USE CASE” MBDS Gemalto Cefipra report (Sept 2013)
7. CHADEK Project, MBDS Project Haiti (2007)
8. 100 pionniers pour la planète (2009), Dimitri Caudrelier Matthieu Roynette
9. Microfinance et lutte contre la pauvreté (2013), Dalel Mehzri THANK YOU