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Blockchain: Real World Use Cases

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Nick Meyne Enterprise Architect - Capgemini

At Global Architecture Week 2015, we covered ‘Digital Currencies and Cash’ and their relevance to Tax and Welfare Authorities, concluding with the message: “It’s not about Bitcoin, it’s about the Blockchain”. Blockchain technology has the potential to enable a new mutually trusted, transparent way of sharing and transacting. In the UK Public Sector, Sir Mark Walport’s report Distributed Ledger Technology: beyond blockchain encouraged Government to assess its early use and potential. Meanwhile in the private sector, Blockchain FinTech excitement among start-ups and venture capitalists remained strong for a technology promised to be “like a whole new internet for value exchange”. But where are the real world use cases today? What is it that makes a use case more likely to succeed? In this talk, we will share and discuss a number of Capgemini examples.

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Blockchain: Real World Use Cases

  1. 1. 1Copyright © 2016 Capgemini and Sogeti – Internal use only. All Rights Reserved. Presentation Title | Date Blockchain: Real World Use Cases Nick Meyne Enterprise Architect - Capgemini
  2. 2. 2Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Agenda  Blockchain Background  Patterns  8 Use cases  Business Success Factors  Summary
  3. 3. 3Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 “It’s going to be as big as the internet was in the 90’s” ..Really? “Think about the blockchain as another class of thing, like the Internet − a comprehensive information technology with tiered technical levels and multiple classes of applications for any form of asset registry, inventory, and exchange, including every area of finance, economics, and money. In fact it is even more - the blockchain concept is a new organizing paradigm.” Melanie Swan, Institute for Blockchain Studies “Blockchain is reinventing the infrastructure that enables us to transact globally, between institutions, in real time…. It’s not just about banking, it’s going to revolutionize governments, the identity of people and the whole way we think about how we record transactions – something we will see for the next decade, changing everything ” “It’s a distributed database you can trust” Chris Skinner Author ValueWeb and CFO, The Finanser https://youtu.be/B4A40R2VKSICapgemini - Agents of Change: Gartner Hype Cycle Scott Adams
  4. 4. 4Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Blockchain platform technology includes a mix of decentralized database, process logic, cryptographic security and transparency… designed for value exchange Modular business rules «Smart contracts» Programs «built into» the database Process automation … but this is not necessary for its use Can transfer digital values… Any digital representation of an asset Value transfer Strength can be varied according to use Built on public-key infrastructure Reduce damage caused by data breach Cryptographic security «Data» can be anything Data is stored in more than one place Each entry is «chained» to the next Decentralized database
  5. 5. 5Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Patterns: Blockchain is a DISTRIBUTED ledger technology Centralised Federated Distributed
  6. 6. 6Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 DISTRIBUTED – network - it’s like the Internet Centralised Federated Distributed
  7. 7. 7Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 DISTRIBUTED – development and maintenance Centralised Federated Distributed
  8. 8. 8Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 DISTRIBUTED – stability, scalability, innovation Centralised Federated Distributed
  9. 9. 9Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Other than for cryptocurrencies, where might a distributed ledger be useful for ‘value exchange‘? Why?  Value Transacted  Ecosystem – busy: buyers, suppliers and regulators – not just one app!  Existing Market Broken: • Clumsy? No trust? Transparency/privacy? • Won’t scale / Scary... Failure? • Slow  Rules  Lower Friction, Speed  Governed Isn’t this just emerging technology looking for a business problem to solve! 1. You should be focusing on your most important problems, not the technology 2. Don’t use a blockchain if there’s a better way of solving the problem with conventional technology... Does it really need to be distributed?
  10. 10. 10Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 DISTRIBUTED LEDGER = PLATFORM for MATCHMAKING
  11. 11. What Who How Private Securities Capital Markets Firms Digital Asset ledger for issuing private securities to investors Syndicated Loans Lenders and Borrowers Shared loan ledger allows lending syndicate to form and arrange loan Ripple Integration Banks and Payment Service providers Connector for lower cost ‘peer to peer’ Foreign Exchange between banks PSD2 Compliance Banks, Payment Services, Customers Authorizing access to customer bank accounts by payment providers Business Identity Small Businesses, Institutions Businesses control ‘self-sovereign’ business identity information, verified and shared. Fiat - Relay Users of ‘Dapps’ and Banks Distributed app users able to ‘Cash-out’ from cryptocurrency more easily. Loyalty Consumers, Retailers, Card Providers Digital loyalty point wallets and decentralised exchange. ‘Pop-up’ coalition loyalty schemes. Social Loyalty Communities, Charities Charitable / welfare donation and non-cash value earning and redemption for the financially excluded to improve social welfare Capgemini Proof of Concept Work on Blockchain * * *
  12. 12. 12Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Description / Overview Target clients • Smaller businesses prove their identity and reputation to authorities, lenders, insurers and other businesses • Submit documents, proofs and references once, not many • Create (or revoke) authorisations with multiple institutions • ‘Self-sovereign’, but notarised by proving authorities • Tax authorities • Providers / ‘panel’ consortia offering multiple services • FI’s and Banks managing business account access Blockchain Benefit • Blockchain to build and share identity and authorisation records • Secure, immutable records – shared and verified – fewer copies • Distributed solution increases resilience. Less burden for all. Business Identity and Authorisations
  13. 13. 13Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Small businesses can control their own strong and verified ‘self-sovereign’ business identity and authorisations and grant secure access to relevant information A blockchain-based identity and authorisation management platform standardises and simplifies the interactions of small businesses with government, financial institutions, traders and customers Authorization Rules Identity, Proofs and Permissions Business Owner / Authorised Officers Access and Rights Management Customer privacy Blockchain Transparent / immutable Trusted authorisers / regulators – e.g. Tax authority- have write access to the identity store and provide verification and proofs Common, secure Access Rights Management platform with governance framework Lenders / Banks / FI’s Authorised Agents, Other Businesses, Customers
  14. 14. 14Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Description / Overview Target clients • Enable collaborative shared ledger loyalty value exchange • Scheme rules implemented as smart contracts • Consumer identity, trust and privacy features • Merchant acquirers needing a value-add ‘sticky’ offer • Payment providers creating a digital marketplace offering • Large to Medium-sized or small retailers – can have loyalty scheme of their own Blockchain Benefit • Common platform consumer + merchant loyalty value exchange • Consumer privacy and community features • Can work as a value gateway to existing CRM or loyalty schemes Loyalty – Tokens
  15. 15. 15Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Blockchain-based loyalty tokens reduce complexity and increases agility and consistency in loyalty scheme administration A blockchain-based loyalty ledger provides a common platform solution for multi-merchants directly linking Payment Transactions to Loyalty Tokens, owned by the Consumer Loyalty / Promotion Rules Identity and Permissions Multiple store POS systems Multiple digital channel systems Value Exchange / Digital Wallet Customer privacy Blockchain Transparent / immutable Standardised, simplified interfaces Mobile, low cost, resilient and available platform
  16. 16. 16Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Description / Overview Target clients • Charitable / welfare still cash payments in F2F situations • Cash has risks – but is the only alternative for the excluded • Provide a non-cash, token-based convenient digital channel for F2F value exchange after ‘top-up’ • Affordable digital micro-payments for those who no longer carry cash • Charities who wish to improve traceability of donations – tax reclaimed? • Local councils, charity volunteers or service providers – food banks? • Central government engaging more with local benefits disbursement Blockchain Benefit • Common distributed platform approach allows charities, or groups of charities and local groups to exchange value for services • Smart contract rules to support social objectives. Social Loyalty incentives • Traceability, auditability helps satisfy regulators • Client and donor privacy Social Loyalty ... TRADE
  17. 17. 17Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Charitable / welfare donation and non-cash value earning and redemption for the financially excluded to improve social welfare A blockchain-based social loyalty ledger could affordably extend proven consumer loyalty concepts to the charitable and social welfare sector for the mutual benefit of donors, clients and service providers Scheme Rules Identity and Permissions Service: Food bank, Accommodation, Charity store, Learning, Childcare Registered Client Value Exchange / Digital Wallet Customer privacy Blockchain Transparent / immutable Charity / Social Enterprise / Local Authority Mobile, low cost, resilient and available platform Tax Authority / Charities Regulator Registered Donor
  18. 18. 18Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Six Business Success Factors: Distributed Thinking  Reduce Friction: • Inefficiencies, delays, handoffs  Critical mass: • Enough participants on the platform for it to be mutually valuable  Pricing: • Some participants subsidised to join? Just at the start?  Ecosystem: • Membership. Who gets in at the beginning? Who is kept out? ‘Network effects' ?  Meeting Place: • User experience – great for all the participants.  Governance: • Clear, open and trusted - keep the platform secure stable and in line with regulations and operating principles.
  19. 19. 19Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 01 02 03 04 05 Blockchain Research and Analysis POC Building in our Innovation Lab (8 concepts) We partner with leading Blockchain Start-ups We participate in Leading Open Source initiatives Capgemini Blockchain evaluation framework + white papers Research on Smart Contracts (Publication October 2016) Capgemini Applied Innovation Exchange ( AIE) offers a unique setting for POC elaboration Capgemini collaborates with the leading Blockchain startups (Symbiont, BigChainDB, Eris…) Capgemini is expanding its team of Blockchain experts Capgemini Participates in leading open source development for Blockchain (Hyperledger, Blockstack) Our Team of Blockchain Experts are available to work with your team Capgemini and Blockchain - Summary
  20. 20. 20Copyright © 2016 Capgemini and Sogeti. All Rights Reserved. Blockchain Use Cases | 28th September 2016 Contact information Nick Meyne Enterprise Architect Blockchain for Public Sector nick.meyne@capgemini.com https://www.linkedin.com/in/nick- meyne-90010a2 See me in the Pentagon Area for more on: • Demos • Blockchain technology in more detail • Capgemini Accelerators Bart Cant Global Community Leader Bitcoin, Blockchain and Distributed Ledgers for Capgemini Financial Services bart.cant@capgemini.com https://www.linkedin.com/in/bartcant

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