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Payments in the Sharing Economy, Total Payments, Melbourne, Australia

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Payments in the Sharing Economy, Total Payments, Melbourne, Australia

Rethinking Payments in the Sharing Economy was presented on May 11, 2016 at the Total Payments and Retail event in Melbourne, Australia.

In this talk, Heather Schlegel explains how the sharing economy combines traditional financial transactions and also includes emotional experiences. It goes on to explain how technology facilitates trust through a payment platform, with local regulations and global reputation systems. (Blockchain comment at the 10 minute mark.)

Heather Schlegel researches and reports on the global changes occurring in payments and transactions. Looking for a provocative future focused speaker? I'm available for keynotes, panels and corporate events. Get in touch at heathervescent@gmail.com.

Thanks to Brad Court, Melissa Ching and the team at Total Payments and Retail. Very special thanks to Dave Birch, Ian Danksin for audio production and Sarafina Rodrigeuz

Audio for this talk: https://soundcloud.com/futurevescent/paymentsoz2016

Rethinking Payments in the Sharing Economy was presented on May 11, 2016 at the Total Payments and Retail event in Melbourne, Australia.

In this talk, Heather Schlegel explains how the sharing economy combines traditional financial transactions and also includes emotional experiences. It goes on to explain how technology facilitates trust through a payment platform, with local regulations and global reputation systems. (Blockchain comment at the 10 minute mark.)

Heather Schlegel researches and reports on the global changes occurring in payments and transactions. Looking for a provocative future focused speaker? I'm available for keynotes, panels and corporate events. Get in touch at heathervescent@gmail.com.

Thanks to Brad Court, Melissa Ching and the team at Total Payments and Retail. Very special thanks to Dave Birch, Ian Danksin for audio production and Sarafina Rodrigeuz

Audio for this talk: https://soundcloud.com/futurevescent/paymentsoz2016

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Payments in the Sharing Economy, Total Payments, Melbourne, Australia

  1. 1. paymentsin the sharing economy Heather Schlegel rethinking
  2. 2. Heather Schlegel Futurist The Purple Tornado @heathervescent www.heathervescent.com Internet Identity Film Future of Transactions Research Future of Money Project/Podcast Future of Wearables Podcast Political Activist, Sharing Economy
  3. 3. AirBnBor a Hotel
  4. 4. Hotel Check-in
  5. 5. Palo Alto AirBnB
  6. 6. sharing what is the economy?
  7. 7. A continuum emotion money
  8. 8. A continuum
  9. 9. A continuum
  10. 10. A continuum
  11. 11. Timeline Image: Gartner Hype Cycle
  12. 12. Timeline WOW! Image: Gartner Hype Cycle
  13. 13. Timeline Anything Goes Image: Gartner Hype Cycle
  14. 14. Timeline Unregulated Growth Image: Gartner Hype Cycle
  15. 15. Timeline Oh Shit! Disruption Image: Gartner Hype Cycle
  16. 16. Today Concerns, We need rules Image: Gartner Hype Cycle
  17. 17. Today Maturation, Regulation Image: Gartner Hype Cycle
  18. 18. Future Settling In, Integration Image: Gartner Hype Cycle
  19. 19. Two Stories Jody SachaImage: Jody and Sacha on Facebook
  20. 20. technologyfacilitates trust
  21. 21. In System Payments
  22. 22. Invisible Transaction
  23. 23. Tracking & Reports
  24. 24. Regulation Image: Neil on Flickr
  25. 25. 29 Palms
  26. 26. Tax Management
  27. 27. Reputation
  28. 28. Put in new reputation screen shots
  29. 29. Reviewing your host
  30. 30. Reviewing your guest
  31. 31. Will AirBnB sell Reputation? at
  32. 32. Questions Global Transactions? Tax Structure? Business Products?
  33. 33. Opportunities Build technology Develop & use APIs Technology handles the payment, so humans can focus on the experience
  34. 34. get in touch heathervescent@gmail.com For consulting, research, foresight strategy, speaking & deep conversations.

Editor's Notes

  • Timeline for the Sharing Economy:
    Emerged
    Unregulated growth / under the radar
    Attention as growth increases
    Concerns / Regulation / Conflict
    Maturation – addressing raised concerns
    Settling In - Fitting into the global economy / An example of embrace and extend. Collaborative Consumption will not replace, but augument and extend.
    Second tier impacts – now that the world is different, what are the aftershocks? After the initial disruption. The new set of problems.
  • Timeline for the Sharing Economy:
    Emerged
    Unregulated growth / under the radar
    Attention as growth increases
    Concerns / Regulation / Conflict
    Maturation – addressing raised concerns
    Settling In - Fitting into the global economy / An example of embrace and extend. Collaborative Consumption will not replace, but augument and extend.
    Second tier impacts – now that the world is different, what are the aftershocks? After the initial disruption. The new set of problems.
  • Changetip aqui-hire
    Not acquiring the assets, or IP, but the team

    Nathan Blecharczyk, a co-founder and the company’s chief technology officer, telling CityAM that blockchains might allow Airbnb to share its user profiles with other companies. “The question is whether there’s a way to export [a user’s reputation] and allow access elsewhere to help other sharing economy models really flourish,” he said.

    As Airbnb has grown its userbase to more than 17 million in summer 2015, according to the company (pdf), it’s also developed a valuable database of reviews and ratings that let hosts and guest judge the trustworthiness of who they’re dealing with. “Within the context of Airbnb, your reputation is everything, and I can see it being even more so in the future, whereby you might need a certain reputation in order to have access to certain types of homes,” Blecharczyk told CityAM.

    Trust is something blockchains are uniquely suited to dealing with. They can provide a permanent record of transactions and other data, and, in some cases, can render that data universally readable, as in the case of the bitcoin blockchain.

    If Airbnb can figure out a way to make its user profiles immutable and universally readable, they could become a trusted form of digital identity, a bit like the profiles that credit bureaus create for individuals. If these identities can be “exported” to other platforms, as Blecharczyk said, they could become hugely valuable. An Uber driver, for example, might know if his next passenger came with a history of leaving Airbnb properties damaged.

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