commit 20ea98d493857f3c4549d0eb74362f2c19b43ebb
parent 0e4c63daa0dee4ef84b67121510459370dd535b7
Author: Christian Grothoff <grothoff@gnunet.org>
Date: Wed, 13 Aug 2025 20:30:59 +0200
3f
Diffstat:
5 files changed, 120 insertions(+), 15 deletions(-)
diff --git a/presentations/2025-3f/2025-3f.tex b/presentations/2025-3f/2025-3f.tex
@@ -4,8 +4,8 @@
\usepackage[normalem]{ulem}
\newcommand{\TITLE}{NEXT \\ GENERATION \\ INTERNET}
\newcommand{\SUB}{GNU Taler: Privacy for Inclusion, Free Software for Innovation}
-\newcommand{\AUTHOR}{Christian Grothoff}
-\newcommand{\SPEAKER}{Christian Grothoff}
+\newcommand{\AUTHOR}{\vfill Christian Grothoff}
+\newcommand{\SPEAKER}{\vfill Christian Grothoff}
\newcommand{\INST}{Bern University of Applied Sciences}
\newcommand{\DATE}{Future Finance Fest}
\usepackage{amsmath}
@@ -148,7 +148,7 @@ GNU Taler must ...
\begin{frame}{What software exists?}
\begin{itemize}
- \item libeufin-nexus: PostFinance (EBICS) integration
+ \item libeufin-nexus: EBICS integration
\item libeufin-bank: regional currency bank
\item merchant backend: REST API with inventory and order management
\item payment plugins: Joomla!, Magento, WooCommerce
@@ -180,25 +180,113 @@ GNU Taler must ...
\item GNU Anastasis: distributed zero-knowledge key backup
\item Mailbox: send payment messages to remote Taler wallets (instead of NFC/QR code)
\item TalDir: map e-mail address or phone number to Taler wallet Mailbox address
- \item Donau: issue receipts for tax-deductable donations
\item Adorsys-OBG: automate withdrawal via PSD2
- \item EKYC: Electronic KYC process for ID document uploading
- \item cashless2ecash: pay with card to withdraw Taler e-cash
- \item cash2ecash: pay with cash to withdraw Taler e-cash
+% \item EKYC: Electronic KYC process for ID document uploading
+% \item cashless2ecash: pay with card to withdraw Taler e-cash
+% \item cash2ecash: pay with cash to withdraw Taler e-cash
\end{itemize}
\end{frame}
-\begin{frame}{What might we do tomorrow?}
+\begin{frame}{Finance and Academia}
+ GNU Taler is unique:
\begin{itemize}
- \item Pay for online news, e-commerce, ...
- \item Integrated subscriptions, discount tokens
- \item Onboard large merchants (Galaxus, Migros, SBB, ...)
- \item Programmable payments (auctions, escrow, ...)
- \item M2M/IoT payments (no need for accounts, no 2-FA!)
- \item Pay recipient for messaging/e-mail (no more spam!)
- \item ...
+ \item {\em only} Free/Libre Open Source payment system\pause
+ \item originating from research\pause
+ \item escaped the lab into production\pause
+ \item {\em remaining} open for research!
\end{itemize}
+ $\Rightarrow$ opportunities for collaboration!
+\end{frame}
+
+
+\begin{frame}{Example: Oral Information Management (OIM)}
+ OIM is a human-centered design practice governed by the following principles:
+ \begin{enumerate}
+\item Designs must first enhance client-side financial product usability.
+\item Designs should provide positive incentives to clients to acquire useful financial numeracy and financial literacy skills.
+\item The design process is client-guided.
+\item Oral designs should not embarrass or inconvenience or literate clients.
+\end{enumerate}
+\end{frame}
+
+
+\begin{frame}{Literacy}
+ \begin{center}
+ \includegraphics[width=0.7\textwidth]{illiteracy.png}
+\end{center}
+\end{frame}
+
+
+\begin{frame}{Numeracy}
+ \begin{center}
+ \includegraphics[width=0.7\textwidth]{numeracy.png}
+\end{center}
+\end{frame}
+
+
+\begin{frame}{Design}
+ \begin{center}
+ \includegraphics[width=0.5\textwidth]{taler-oim.png}
+\end{center}
+ \begin{center}
+ \includegraphics[width=0.5\textwidth]{transaction-types.png}
+\end{center}
+\end{frame}
+
+
+\begin{frame}{Results from Freetown (2025)}
+\begin{itemize}
+ \item Twenty-one (21) women speaking 6 local languages were briefed on how to send money in the OIM Taler prototype.\pause
+ \item Of these only 4 had completed primary school, and only 6 could read a 5-digit cash (ordinal) number.\pause
+ \item After 24 hours they were presented a Taler wallet with a random sum in new leone tokens.
+ They were asked to count the money, and complete 8 tasks to send some to another person by generating a scannable QR code.\pause
+ \item Sixteen (16) completed all 8 tasks with no errors. \pause
+ \item Four (4) completed all 8 tasks with two tries but no help. Only one was unable to complete the process successfully.
+\end{itemize}
+\end{frame}
+
+
+\begin{frame}{Voices from Freetown (2025)}
+ \begin{itemize}
+ \item ``This app is much better than Afrimoney. Everyone would use it.'' \pause
+ \item ``It’s simple, and you can correct your mistakes.'' \pause
+ \item After the test, participants were asked if they would use OIM
+ Taler, if it were available in Sierra Leone? All (!) stated that they:
+ \begin{itemize}
+\item would like to use it,
+\item prefer it to existing apps, and
+\item would share it with their friends
+and relations, especially those
+who had trouble with writing
+and numbers.
+\end{itemize}
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{Finance and Academia (cont.)}
+ More is happening:
+ \begin{itemize}
+ \item Post-quantum safe protocol design (TU/e)
+ \item Subscriptions and discount tokens (BFH)
+ \item Privacy-preserving tax-deductable donation receipts (NLNET+BFH)
+ \item M2M/IoT payments with embedded wallets (TUD)
+ \item Programmable payments (TUB)
+ \item $\ldots$
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{Finance and Academia (cont.)}
+ More should be happening:
+ \begin{itemize}
+ \item Improved accounting integration
+ \item Personal finance management (on-device!)
+ \item Share tokenization
+ \item $\ldots$
+ \end{itemize}
+ $\Rightarrow$ Join us with {\bf your} ideas!
\end{frame}
@@ -216,6 +304,23 @@ GNU Taler must ...
\end{frame}
+\begin{frame}{Workshop overview}
+ \begin{itemize}
+ \item Installing the GNU Taler wallet
+ \item Demo time:
+ \begin{itemize}
+ \item Withdrawing
+ \item Paying
+ \item Sending
+ \item Invoicing
+ \item Depositing
+ \end{itemize}
+ \item Merchant backend SPA tour
+ \item Creating an order via the REST API
+ \end{itemize}
+\end{frame}
+
+
% This should be last...
\begin{frame}{Acknowledgements}
diff --git a/presentations/2025-3f/illiteracy.png b/presentations/2025-3f/illiteracy.png
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diff --git a/presentations/2025-3f/numeracy.png b/presentations/2025-3f/numeracy.png
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diff --git a/presentations/2025-3f/taler-oim.png b/presentations/2025-3f/taler-oim.png
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diff --git a/presentations/2025-3f/transaction-types.png b/presentations/2025-3f/transaction-types.png
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