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© 2019 Levvel  | www.levvel.io  | hello@levvel.io
I AM YOUR CUSTOMER
TRUST AND IDENTITY IN THE DIGITAL AGE
Singapore 2019
Proprietary & Confidential - Akhil Bhaskar   |    2
1994
Proprietary & Confidential - Akhil Bhaskar   |    3
Proprietary & Confidential - Akhil Bhaskar   |    
• A cloud of potential
• Ideas being actualised
4
Proprietary & Confidential - Akhil Bhaskar   |    
I AM AN UNKNOWN
5
Proprietary & Confidential - Akhil Bhaskar   |    
• Paper based identification
• Standing in queues / waiting on phones
6
Proprietary & Confidential - Akhil Bhaskar   |    7
1994 2010
Proprietary & Confidential - Akhil Bhaskar   |    8
2010
Proprietary & Confidential - Akhil Bhaskar   |    9
Proprietary & Confidential - Akhil Bhaskar   |    
• Paper based identification
• Standing in queues / waiting on phones
• Online applications + paper based identification
• Waiting on phones
10
1994
2010
Proprietary & Confidential - Akhil Bhaskar   |    11
Proprietary & Confidential - Akhil Bhaskar   |    
I AM A GUIDE
12
MEANWHILE…
Proprietary & Confidential - Akhil Bhaskar   |    13
We believe the world needs
technology to improve.
Levvel helps companies create great technology
through human-centered problem-solving that is
rooted in deep industry expertise.
Proprietary & Confidential - Akhil Bhaskar   |    14
REGULATORY PRESSURES MERCHANT EXPECTATIONS CONSUMER EXPECTATIONS
Proprietary & Confidential - Akhil Bhaskar   |    
• Efficiently trace activity
• Compliance with
• Know-Your-Customer (KYC)
• Anti-Money Laundering (AML)
• Counter-Terrorism Financing (CTF)
• Interoperability
• Enforcement ( PSD2, GDPR, etc. )
15
MERCHANT EXPECTATIONS
CONSUMER EXPECTATIONS
REGULATORY PRESSURES
Proprietary & Confidential - Akhil Bhaskar   |    
• Customer acquisition
• Reduce fraud activity
• Provide incremental value to customers
• Maintain competitive edge
16
MERCHANT EXPECTATIONS
CONSUMER EXPECTATIONS
REGULATORY PRESSURES
Proprietary & Confidential - Akhil Bhaskar   |    
• Immediacy of capability
• Privacy and identity ownership
• Delightful and simple experience
17
MERCHANT EXPECTATIONS
CONSUMER EXPECTATIONS
REGULATORY PRESSURES
Proprietary & Confidential - Akhil Bhaskar   |    
THE ANSWER TO MY PROBLEM?
18
Proprietary & Confidential - Akhil Bhaskar   |    
TRUST IN CENTRALISED INSTITUTIONS IS ERODING.
Many people now have lower trust in social and traditional
media, banks, and governments to report the truth, protect
privacy, and act in the interests of everyday people.
19
Rachel Botsman
@rachelbotsman
Proprietary & Confidential - Akhil Bhaskar   |    20
3 billion user
accounts
1.5 million
customers
 87 million

Facebook users
143 million
consumers
30,000 Australian

civil servants
Proprietary & Confidential - Akhil Bhaskar   |    
ECOSYSTEMS.
21
Proprietary & Confidential - Akhil Bhaskar   |    22
Proprietary & Confidential - Akhil Bhaskar   |    23
...
VALUE
Proprietary & Confidential - Akhil Bhaskar   |    
YOUR CHOICE
24
• Provide a specific function within the flow
• Offer innovative products and services
• Become utility infrastructure
• No direct customer relationships
• Leverage / build ecosystem
• Offer innovative products and services
• Drive increased value from each relationship
• Become a platform for services
• Retain the primary customer relationship
1. BE A SPECIALIST 2. ORCHESTRATE
Proprietary & Confidential - Akhil Bhaskar   |    
I AM YOUR CUSTOMER
25
Proprietary & Confidential - Akhil Bhaskar   |    
ME AND MY POSSE
26
Proprietary & Confidential - Akhil Bhaskar   |    
2017 statistics
• 260 million migrants globally
• 165 million into “High-income countries”
27
Source: United Nations, Department of Economic and Social Affairs. Population Division (2017)
Proprietary & Confidential - Akhil Bhaskar   |    
Step 2:
SO, MY CALL TO ACTION…
28
Step 3: Profit!
Step 1: Build or leverage APIs
Proprietary & Confidential - Akhil Bhaskar   |    
Step 2: Appeal and market to diaspora
• Integrate across geographic boundaries
• Provide a delightful experience
SO, MY CALL TO ACTION…
29
Step 3: Profit!
Step 1: Build or leverage APIs
Proprietary & Confidential - Akhil Bhaskar   |    
• When I move again
• Seamless identity awareness
• Frictionless transfer of “reputation”
30
Rachel Botsman
@rachelbotsman
Proprietary & Confidential - Akhil Bhaskar   |    
THANK YOU.
@abhaskar
31
Photos and imagery courtesy of: https://undraw.co and https://unsplash.com

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APIdays Singapore 2019 - I am your customer: Trust and identity in the digital age, Akhil Bhaskar, Genetal Manager Asia Pacific, Levvel

  • 1. © 2019 Levvel  | www.levvel.io  | hello@levvel.io I AM YOUR CUSTOMER TRUST AND IDENTITY IN THE DIGITAL AGE Singapore 2019
  • 2. Proprietary & Confidential - Akhil Bhaskar   |    2 1994
  • 3. Proprietary & Confidential - Akhil Bhaskar   |    3
  • 4. Proprietary & Confidential - Akhil Bhaskar   |     • A cloud of potential • Ideas being actualised 4
  • 5. Proprietary & Confidential - Akhil Bhaskar   |     I AM AN UNKNOWN 5
  • 6. Proprietary & Confidential - Akhil Bhaskar   |     • Paper based identification • Standing in queues / waiting on phones 6
  • 7. Proprietary & Confidential - Akhil Bhaskar   |    7 1994 2010
  • 8. Proprietary & Confidential - Akhil Bhaskar   |    8 2010
  • 9. Proprietary & Confidential - Akhil Bhaskar   |    9
  • 10. Proprietary & Confidential - Akhil Bhaskar   |     • Paper based identification • Standing in queues / waiting on phones • Online applications + paper based identification • Waiting on phones 10 1994 2010
  • 11. Proprietary & Confidential - Akhil Bhaskar   |    11
  • 12. Proprietary & Confidential - Akhil Bhaskar   |     I AM A GUIDE 12 MEANWHILE…
  • 13. Proprietary & Confidential - Akhil Bhaskar   |    13 We believe the world needs technology to improve. Levvel helps companies create great technology through human-centered problem-solving that is rooted in deep industry expertise.
  • 14. Proprietary & Confidential - Akhil Bhaskar   |    14 REGULATORY PRESSURES MERCHANT EXPECTATIONS CONSUMER EXPECTATIONS
  • 15. Proprietary & Confidential - Akhil Bhaskar   |     • Efficiently trace activity • Compliance with • Know-Your-Customer (KYC) • Anti-Money Laundering (AML) • Counter-Terrorism Financing (CTF) • Interoperability • Enforcement ( PSD2, GDPR, etc. ) 15 MERCHANT EXPECTATIONS CONSUMER EXPECTATIONS REGULATORY PRESSURES
  • 16. Proprietary & Confidential - Akhil Bhaskar   |     • Customer acquisition • Reduce fraud activity • Provide incremental value to customers • Maintain competitive edge 16 MERCHANT EXPECTATIONS CONSUMER EXPECTATIONS REGULATORY PRESSURES
  • 17. Proprietary & Confidential - Akhil Bhaskar   |     • Immediacy of capability • Privacy and identity ownership • Delightful and simple experience 17 MERCHANT EXPECTATIONS CONSUMER EXPECTATIONS REGULATORY PRESSURES
  • 18. Proprietary & Confidential - Akhil Bhaskar   |     THE ANSWER TO MY PROBLEM? 18
  • 19. Proprietary & Confidential - Akhil Bhaskar   |     TRUST IN CENTRALISED INSTITUTIONS IS ERODING. Many people now have lower trust in social and traditional media, banks, and governments to report the truth, protect privacy, and act in the interests of everyday people. 19 Rachel Botsman @rachelbotsman
  • 20. Proprietary & Confidential - Akhil Bhaskar   |    20 3 billion user accounts 1.5 million customers  87 million
 Facebook users 143 million consumers 30,000 Australian
 civil servants
  • 21. Proprietary & Confidential - Akhil Bhaskar   |     ECOSYSTEMS. 21
  • 22. Proprietary & Confidential - Akhil Bhaskar   |    22
  • 23. Proprietary & Confidential - Akhil Bhaskar   |    23 ... VALUE
  • 24. Proprietary & Confidential - Akhil Bhaskar   |     YOUR CHOICE 24 • Provide a specific function within the flow • Offer innovative products and services • Become utility infrastructure • No direct customer relationships • Leverage / build ecosystem • Offer innovative products and services • Drive increased value from each relationship • Become a platform for services • Retain the primary customer relationship 1. BE A SPECIALIST 2. ORCHESTRATE
  • 25. Proprietary & Confidential - Akhil Bhaskar   |     I AM YOUR CUSTOMER 25
  • 26. Proprietary & Confidential - Akhil Bhaskar   |     ME AND MY POSSE 26
  • 27. Proprietary & Confidential - Akhil Bhaskar   |     2017 statistics • 260 million migrants globally • 165 million into “High-income countries” 27 Source: United Nations, Department of Economic and Social Affairs. Population Division (2017)
  • 28. Proprietary & Confidential - Akhil Bhaskar   |     Step 2: SO, MY CALL TO ACTION… 28 Step 3: Profit! Step 1: Build or leverage APIs
  • 29. Proprietary & Confidential - Akhil Bhaskar   |     Step 2: Appeal and market to diaspora • Integrate across geographic boundaries • Provide a delightful experience SO, MY CALL TO ACTION… 29 Step 3: Profit! Step 1: Build or leverage APIs
  • 30. Proprietary & Confidential - Akhil Bhaskar   |     • When I move again • Seamless identity awareness • Frictionless transfer of “reputation” 30 Rachel Botsman @rachelbotsman
  • 31. Proprietary & Confidential - Akhil Bhaskar   |     THANK YOU. @abhaskar 31 Photos and imagery courtesy of: https://undraw.co and https://unsplash.com