Making the invisible visible - the value prop for govenment open data

Vinod Ralh
Director, Platform Engineering, Deloitte
Making the
invisible
visible
Payments NZ
The Hub, May 2019

Vinod Ralh, Director within Deloitte Australia’s Platform Engineering team, will share stories of where
platforms and open data can combine in the pursuit of social purpose. Such stories illustrate the
emerging opportunities for the payments sector to positively impact on social issues that matter –
helping those who are amongst the most vulnerable and disenfranchised in of society.
Vinod will draw from experiments and learnings from Deloitte Open Banking Platforms built on early
Australian open banking concepts and now being implemented for global organisations and the firms
efforts on Open Data Platforms.
The session is envisioned to highlight the potential of platforms and data to improve the lives of people
from all walks of life.
2 | Copyright © 2019 Deloitte Consulting Pty Ltd. All rights reserved.

An outback
farm. His pride.
Climate change.
Drought.
Contemplating his future.
Can see no way
path forward.
Life in the
balance
Seeing a path forward.
Finally.
Turns
to his
wife.

“Overcoming poverty is not a gesture of
charity. It is an act of justice. It is the
protection of a fundamental human right, the
right to dignity and a decent life.”
Nelson Mandela, 2005

Poverty
13.2% of population (3 million) - 1 in 8
17.3% under 15 (739,000) children – 1 in 6
31% poverty rate for Aboriginal and Torres Strait Islander people
10 years lower life expectancy than non-Indigenous population
acoss..org.au/poverty 2018
Poverty line – people living below 50% median household income

Issues around poverty are often complex and there
is often no single lever
Ivy. An aboriginal domestic
violence survivor who after
repeated attempts, finally
successfully leaves her
abusive husband only to
face the challenges of
poverty alone.
Marjork. An African
migrant who faces racism
and loneliness at the
edges of urban dwelling in
his adoptive country.
Myriam. Ostracised from
her community, she
strikes out alone late in
life to discover her own
identity.
Charlotte. In her naivete
falls prey to payday
lenders and is trapped in a
cycle of increasing
poverty
Russell. The drought takes
its toll on this Australian
farmer. With a mountain
of debt he considers the
ultimate final escape.
https://spark.adobe.com/page/TfEhqdHuB7WQS/

Our wanderer of galaxies
The loss of family
Alone. Anger
Living in a ghetto, behind barbed wire fences
Fleeing war
Hope, A
new
country.
In a ghetto. Again.
Anger. Alone.
Futility. Unfair life.

Feel the pain of the survivor
Set in poor rural outback town
Leave protagonist at end with a sense of
hope. Though much still needs to be
worked out.
A sense of foreboding.
Don’t show the violence
but the reaction to it.

What does the future hold for Ivy?

What does the future hold for her
family?

Department
of
Education
Department
of Family
and
Community
Services
Department
of Health
Department
of Justice
Department
of Premier
and Cabinet
Treasury
G.P.
Primary
Health
District
Local
NGO/NFP
Local
NGO/NFP
National
NGO/NFP
National
NGO/NFP

So what can we do?

Family

Remove the siloed
mentality

72,000 women
34,000 children
9,000 men
sought homelessness services due to
family/domestic violence
2016-2017

What will the stats be 10 years from
now?

Prevention
Operational
concerns

Family
Action Insights

But how do we benchmark a
good family life?

‘Income measures do not provide a full picture of “command
over resources”: they neglect individuals’ ability to borrow, to
draw from accumulated savings, and to benefit from help
provided by family or friends, as well as consumption of public
services such as education, health and housing’
Organisation for Economic Cooperation and
Development (OECD)
Boarini and d’Ercole, 2006

Reframe the problem
to the essentials of life

A decent and secure home
Schoolbooks / new clothes for children
Computer skills
A hobby or leisure activity for children
Presents for family / friends once a year
A week's holiday away from home each year
Regular social contact
Dental check-up for children
Dental treatment if needed
Able to buy prescribed medicines
Medical treatment if needed
A roof and gutters that do not leak
Home contents insurance
Secure locks on doors & windows
Up to $500 in savings for emergency
A television A washing machine
A telephone
Comprehensive MV insurance
Furniture in reasonable condition
Heating in at least one room of the house
Warm clothes and bedding, if it's cold
A substantial meal at least once a day
Separate bedroom for children over 10 Separate bed for each child
The Relationship between Poverty, Deprivation and Social Exclusion
Towards new indicators of Disadvantage: Deprivation and social exclusion in Australia Social
Policy Research Centre, 2007
Disengagement:
No regular social contact with other people
Did not participate in community activities
Could not pay one’s way when out with friends
Service Exclusion:
No access to a local doctor or hospital
No access to a bank or building society
Could not make electricity, water, gas, telephone payments
No child care for working parents
Economic Exclusion:
Does not have $500 in emergency savings
Has not spent $100 on a special treat in the last year
Lives in a jobless household
The Essentials of Life Does not have $500 in emergency savings
Lives in a jobless household
Currently unemployed or looking for work
Does not have enough to get by on
Has not spent $100 on a special treat
Does not have $50,000 worth of assets
Could not raise $2,000 in a week
Had to pawn or sell something or borrow money
Deprivation Poverty
Social
exclusion

Family
Community
NGO
State
Federal
Social

Open Banking

Bank Bank
Comparison
3rd Party
My data My data
Product,
Customer,
Client
Closed
banking
Open
banking
Bank Bank
Comparison
3rd Party
My data My data
Product,
Customer,
Client
Closed
banking
Open
banking

Open Data
Platform
Data
Holder
Data
Recipients
Flexible architecture,
customisable to each
organisation’s
technology choices
Supports rapid time-
to-market with new
use cases
Integration with a
broader Fintech
ecosystem to enhance
customer value
Real-time, event
streaming capabilities
to support advanced
analytics
In-depth identity,
access and consent
management
capabilities
Bank grade security,
privacy and assurance
frameworks
embedded to protect
consumer rights

Client Project Country
Large European bank API-enabled digital lending
platform implementation
Netherlands
Major Australian bank Open Data enterprise
architecture strategy
Australia
Energy Market Operator Open Energy platform
implementation
Australia

Open Data
Finance
Insurance
Telecoms
Health
Education
1
Energy
2
3
Transport
Justice
Family and
Community
Services
Media

Finance
Insurance
Telecoms
Health
Education
Energy
Transport
Justice
Family and
Community
Services
Media

Government Citizen
Business
Open
Data

Vinod Ralh
Director, Platform Engineering, Deloitte
Making the
invisible
visible
Payments NZ
The Hub, May 2019

About Deloitte
Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a
UK private company limited by guarantee, and its network of member
firms, each of which is a legally separate and independent entity. Please
see www.deloitte.com/au/about for a detailed description of the legal
structure of Deloitte Touche Tohmatsu Limited and its member firms.
Deloitte provides audit, tax, consulting, and financial advisory services
to public and private clients spanning multiple industries. With a
globally connected network of member firms in more than 150
countries, Deloitte brings world-class capabilities and high-quality
service to clients, delivering the insights they need to address their
most complex business challenges. Deloitte has in the region of 200,000
professionals, all committed to becoming the standard of excellence.
About Deloitte Australia
In Australia, the member firm is the Australian partnership of Deloitte
Touche Tohmatsu. As one of Australia’s leading professional services
firms, Deloitte Touche Tohmatsu and its affiliates provide audit, tax,
consulting, and financial advisory services through approximately 6,000
people across the country. Focused on the creation of value and growth,
and known as an employer of choice for innovative human resources
programs, we are dedicated to helping our clients and our people excel.
For more information, please visit Deloitte’s web site at
www.deloitte.com.au.
Liability limited by a scheme approved under Professional Standards
Legislation. Member of Deloitte Touche Tohmatsu Limited
© 2019 Deloitte Consulting Pty Ltd
This document and the information contained in it is confidential and should not be used or disclosed in any way without our prior consent. Where we
advertise or represent that tax agent services will be provided by us, such services will be provided by a Deloitte registered tax agent.
For more information or for additions
or modifications, please contact:
Vinod Ralh
Director
Platform Engineering
vralh@deloitte.com.au

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