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The WorkerTech Ecosystem



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A Compendium of Digital Solutions Providing Benefits and Security for the Self-Employed in the Gig Economy - Marco Torregrossa, EuroFreelancers

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The WorkerTech Ecosystem

  1. 1. THE WORKERTECH ECOSYSTEM Digital Solutions for the Self-Employed in the Gig Economy Finnish Institute of Occupational Health, Työterveyslaitos, Helsinki 09/08/2019
  2. 2. What is WorkerTech? Digital service offerings that harness technology to provide the self- employed with personalized benefits and greater access to protections and rights. They combine the flexibility of self-employment with the perks traditionally associated with salaried employees. Learn more by following the Twitter hashtag: #WorkerTech #JobTech
  3. 3. Source: Inline Policy, 2018
  4. 4. My dad Now Future of WorkersFuture of Work Adapted from Albert Canigueral, OuiShare (@AlbertCanig)
  5. 5. “When it comes to workers’ wages, rights and wellbeing, technology isn’t all bad” -Matt Stokes, Nesta
  6. 6. Who’s Developing WorkerTech? 1. Startups which have taken advantage of gaps in the market and regulatory landscapes to open up sectors like insurance and banking, and offer products specifically designed to the self- employed and gig workers. 2. Traditional Companies (insurance, finance, training, etc.) which have identified a business opportunity and are starting to adapt their service offering to the emerging workforce. 3. Policymakers Frontrunner government departments that are aware labour regulations need to keep pace with technology.
  7. 7. Why this is Important Emergent WorkerTech applications can offer employee-style arrangements for the self-employed, while still being a personalised choice. Against a backdrop of very low intake of private pension and insurance for the self-employed across Europe, WorkerTech solutions are badly needed. Otherwise the welfare state will be coming under increasing pressure. WorkerTech solutions can provide valuable services to the entire workforce. And, in countries with a high percentage of informal economy, these services can also promote the formalization of labour relationships.
  8. 8. Source: Eurostat, 2018
  9. 9. Source: Freelancing in America Report, 2017
  10. 10. 80 70 60 50 40 30 20 10 0 2014 2015 2018 4 10 12 12 13 15 5 19 53 30 21 2016 Usetoday 2017 Considering next 2years UpWorkF500 Source: SIA CW BuyersSurvey Forecast of companies sourcing via onlineplatforms
  11. 11. Source: SHRM and SAP SuccessFactors, Want Your Business to Thrive? Cultivate Your External Talent.
  12. 12. WorkerTech Examples
  13. 13. On-demand insurance Insurance solutions that are responsive to real-time activity of the self- employed with lower contributions when there is no work or downtime Examples: Zego, Slice, Dinghy, SafetyWing, Stride
  14. 14. Collective representation/action Digital solutions to bring workers together on an ad-hoc basis and campaign on a single issue Examples:, Fair Crowd Work, Organise, Tech Workers Coalition
  15. 15. Tax, banking and payments Solutions designed specifically for the flexibility of self-employment like budget management tools, real time payments and freelance savings accounts Examples: Coconut, Joust, Mastercard, SimplyPaid, Multiply
  16. 16. Pensions Solutions allowing flexible retirement contributions by the self-employed with no recurrent fixed rates
 Examples: Nest, HonestDollar, Betterment 

  17. 17. Portable benefits Solutions allowing the self-employed to accrue benefits tied to the individual which move with them from gig to gig Examples: The Black Car Fund, Portify, Trupo, Qwil 

  18. 18. Online redress Solutions offering workers to lodge complaints against late payments, removal from a platform, or changes to a contract Examples: EU Platform-to-Business Regulation 

  19. 19. Revenue optimization Solutions offering gig workers opportunities to maximise their income
 Examples: SherpaShare, Hurdlr, Uber Quest, Dovetail X 

  20. 20. Skills training Solutions offering flexible ways to deliver learning and upskilling for the self-employed that can be undertaken at any time and in any place
 Examples: Mindfresh, edX, Jolt 

  21. 21. Portable ratings/reviews Solutions aggregating reputational credit from across platforms, with a score for workers that they could carry with them Examples: mydigitalbackpack, Traity, Deemly, Credly 

  22. 22. Dispute resolution Digital legal solutions based on arbitration for the self-employed and their clients to solve conflicts Examples: FairClaims, Avvo, CurtBuddy 

  23. 23. Access to work Solutions allowing the self-employed to access coworking, collective resources and technical material for their work Examples: Croissant, LightyShared, Hyre Car, Loconomics, BreadFunds, House of Gigs 

  24. 24. APIs for platforms Set of government backed APIs solutions that build features on top of existing work platforms Examples: Jobtech Dev, Swedish JobTech, Central Database of Available Hours (CEDAH) 

  25. 25. Common Features of WokerTech 1. Individualised solutions allowing the self-employed to choose a specific benefit. 2. Use existing and emerging technology to ensure access to benefits. 3. More dynamic, flexible and responsive to real time earnings of the self-employed. 4. Allow the self-employed to access benefits regardless of the number of platforms and customers they are working with.
  26. 26. Next Steps 1. Data and good practices collection (Q2 2019) - COMPLETED 2. Bilateral stakeholder consultations (Q3 2019) - ONGOING 3. Roundtable with selected initiatives and online survey (Q4 2019) 4. Final report with policy and other recommendations (Q4 2019) 5. Outreach to governments and large companies (Q1 2020)
  27. 27. Live directory of #WorkerTech initiatives, regularly updated. Curated by Albert Canigueral, OuiShare (@AlbertCanig)
  28. 28. Marco Torregrossa Secretary General | EFIP & CEO | Euro Freelancers | @MarcoTorreg
  29. 29. Sources The digital labour market under debate. Platforms, Workers, Rights and WorkerTech. English Executive Summary, OuiShare, Albert Canigueral, 2019 The emergence of WorkerTech. How new businesses and platforms support independent workers in the labour market. Inline Policy, 2018