barter disruptive use case

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


BARTER 2.0 ? Bank of Animals in Rural TERritories 2.0 : Social network of donators


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)


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


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


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


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


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


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


M-PDS USE CASE within F1RST (MBDS Gemalto, 2012-2013)

Protocole HTTP

Response JSON

Data Server

FIA havingNFC Smartphone

Beneficiary

FIBs database

Beneficiary


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)


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”)


Mobiquitous BARTER2.0 added value

TRACEBILITY

SECURITYPROXIMITY

TRANSPARENCY


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


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

http://www.kiva.org/

http://www.elevagessansfrontiere.org/

http://www.microworld.org/

http://www.watsi.org/

http://www.zafen.org/

barter disruptive use case

Technology

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