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CASE STUDY: NIGERIA

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STEVE PANNIFER, Head of Delivery, Consult Hyperion, at the European IRM Summit 2014.

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CASE STUDY: NIGERIA

  1. 1. Cloud-Based Mobile Identity Services without a Network Delivering Real Benefits in Emerging Markets 1 10-Nov-14
  2. 2. Abstract 2 What is the most demanding environment into which you have delivered a digital identity service? This year Consult Hyperion's TAP (Token Administration Platform) pilot has delivered a voucher service into rural Nigeria where the end-customers have no digital footprint and where there is often no network coverage of any kind. Through the use of the latest mobile and contactless technologies, together with "people-powered mesh networking", we have delivered a cloud-based identity service that enables farmers to gain access to the subsidies to which they are entitled. Steve will provide an overview of this high profile project and draw lessons for the wider identity industry.
  3. 3. Introduction to Consult Hyperion Consult Hyperion has helped some of the world’s leading organisations to make the right commercial and technical choices within and around mobile, contactless and NFC-enabled services.
  4. 4. Why Voucher Schemes? Vouchers are increasingly being used in emerging markets Government payments to needy citizens Subsidies for agricultural inputs Healthcare entitlements Accurate management of voucher schemes is a challenge Lack of physical infrastructure for paper records Lack of telecoms infrastructure for mobile communication Voucher schemes in emerging markets can be subject to inefficiency, inaccuracy and fraud This is an identity management problem
  5. 5. Nigeria has network coverage gaps 5 http://www.fspmaps.com/
  6. 6. Token Administration Platform TAP is an innovative solution to voucher administration designed for use in emerging markets Using NFC technology, contactless cards and tablets Strong emphasis on customer identification, registration and subsequent authentication Operates in remote, offline environments Piloted in Nigeria Funded by DFID Working with the International Fertiliser Development Center And the Nigerian Government Growth Enhancement Scheme To provide fertiliser subsidies to subsistence farmers
  7. 7. TAP is a World First Enabling Nigerian farmers to access GES inputs …using state of the art mobile technology Connecting on line and off line farmers …to their local agro-dealers Even where there is not yet network coverage …with full weekly reconciliation reports …and built in fraud prevention and detection 500,000 farmers 2 regions 4 months to build and launch the service from scratch 6 month pilot
  8. 8. TAP pilot The TAP service consists of several tasks: 8 Identity Management
  9. 9. Key components of technology ELECTRONIC FORMS: All farmer registration data are collected electronically and sent to the core system within a day or two ENUMERATOR ELECTRONIC VOUCHERS: All GES entitlements are distributed electronically to the Agro-dealers New vouchers can be created within a few days AGRO-DEALER
  10. 10. Key components of technology IDENTIFICATION BY NFC TECHNOLOGY: All users are issued with a TAP card Details of users and vouchers are held on tablets The card must be tapped to the tablet for every task Tablet owners must also enter a PIN They are identified by their photograph and vital statistics TAP always knows who performed every task and when they did it
  11. 11. TAP pilot 11 ONLINE: data is transmitted after each task or at the end of the day OFFLINE: data is copied to field officers devices and taken into coverage Identity is managed in cloud but attribute data is made available on the relying party device
  12. 12. Redemption PHOTOGRAPH FARMER ID PHOTOGRAPH FARMER COLLECT FARMER DETAILS ISSUE CARD TO FARMER Identity Proofing, Credential & Binding
  13. 13. Enumeration IDENTIFY FARMER DETERMINE ENTITLEMENT FARMER TAKES SUBSIDIZED FERTILIZER Identity Assertion
  14. 14. Identity Management Lessons The importance of a simple user experience: Identity does not need to be complex to the user The lowest common denominator for identity: An anonymous (but appropriately linkable) identifier ...supported by a credential under the user’s control The value of building from robust enrolment process: 14% had no identity documentation Highlighted many previously-hidden problems with state-issued identification documents Cloud-managed identity can work in an offline environment 14 8th August 2014 Proprietary
  15. 15. GES brings many benefits Farmer registration details captured electronically • Reducing time, cost and errors Agro-dealers transact electronically both in coverage and off line • Accurate data returned to GES database within a week • Allowing faster settlement and loan repayments • Giving lenders greater confidence in the scheme Automatic reports generated Fraud prevention and detection measures But that’s just the pilot…
  16. 16. Extension to other services 16 TAP can deliver vouchers for many types of service Government Payments Healthcare Voucher schemes Disaster relief TAP provides low cost but reliable method for enrolment Potential use in KYC / AML
  17. 17. TECHNOLOGY LEAP-FROGGING DURING THE 2014 WET SEASON MORE NIGERIAN FARMERS USED NFC TECHNOLOGY THAN UK BANK CUSTOMERS
  18. 18. Thank You steve.pannifer@chyp.com +44 1483 301 793 Tomorrow’s Transactions: thought leadership from Consult Hyperion Read www.chyp.com/media/blog Listen www.chyp.com/media/podcasts Visit www.chyp.com Contact info@chyp.com Follow @chyppings 18

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