Our point of view on disintermediation, decentralization, blockchain, and new business models.

1. D 15 N
Your Thing
and thus your Data
Our point of view on disintermediation, July 2017

2. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
car owners opinion
The FIA surveyed about 15.000 vehicle owners in Europe and found
that although connected cars are of interest, people prefer to decide
on the use of their data.
76%
are interested in
connectivity
90%
want to own
their data
83%
want to decide
when and how
long to share data
88%
are concerned
about private data
disclosure
It is not unlikely that the way how data is collected, processed, and
how it can be used will be regulated in near future.

3. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
who really owns the data?
Status Quo
Data
Owner Manufacturer
Evolution
Data
ManufacturerOwner 3rd Parties
For example: BMW Car Data
Data is accessible to the owner and can be passed on to
third parties under consent of the owner.
Copy
Copy

4. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
enforcing data locality
Data
Manufacturer Owner 3rd Parties
Copy
Copy
Disintermediation
Context
Sensor
Who owns the context, owns the data.
<<owns>>
<<owns>>
Implication
From a technological point of view, this is just the status-quo we had
before starting to connect everything.

5. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
adding services - again
Lisa wants to sell her vehicle online and Bart is interested in
buying it. They only need to agree on the parameters of the
deal.
1. Lisa’s vehicle logs maintenance and status
information securely
2. Lisa uses the garage ACME where her status
information is signed each time she has the vehicle in
service.
3. Bart contacts Lisa that he wants to buy her car.
4. PriceMax contacts Lisa if she’d like to disclose her
maintenance and status information to valuate her
car on the request of Bart.
5. Lisa discloses the information and PriceMax valuates
the vehicle and incorporates the validation of ACME’s
signing.
6. Bart and Lisa receive an offer.
Bart
Lisa
ACME
PriceMax

6. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
re-intermediation?
Blockchain
Although a blockchain / distributed ledger is
decentralized by itself, it introduces
technological centralization again.
On top of that, it does not solve the key problems
hindering adoption, which are the usability and
user experience challenges.
Blockchain can be a relevant building block on
infrastructure level, but it is not the solution.

7. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
the big question
are we ready to own and maintain our data?

8. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
the truth
probably not - yet

9. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
Our approach
Core believes
1. The situation (predominantly physical) defines the interaction context and thus will
drive the solution.
2. It will be a mix of centralized, decentralized, and federated actors.
3. Closed platforms (of any size) constrain the innovation potential.
4. Open networks powered by evolving standards will give means to build
sustainable solutions.

10. disintermediation by disrupt consulting eG ● Frauenstrasse 2 ● 89073 Ulm ALL RIGHTS RESERVED
Our first results
• We built a simple framework that allows for digital support of peer-to-peer
interactions.
• We started by implementing a prototype to solve the car-data challenge, in
order to give customers full control over their data whilst maintain the
manufactures strategic position.
• We will open-source the framework soon.
• We will work on more prototypes to explore physical and virtual use-cases.
• We hope you stay tuned ;)

11. D 15 N
Markus Kuhnt
Strategist
disrupt consulting eG
Frauenstrasse 2
89073 Ulm
Germany
http://www.d15n.net
http://www.disrupt-consulting.com