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commit 8dfa77d55df31bd57746c2cf9ce2047642241028
parent 61b67e8244c6350fcf0d838258036d73f49f3255
Author: Christian Grothoff <christian@grothoff.org>
Date:   Tue,  2 May 2017 14:37:21 +0200

another presentation update from/for LS

Diffstat:
Apresentations/comprehensive/shop_backup.svg | 5040+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Mpresentations/investors/illustrations/operating-model.pdf | 0
Mpresentations/investors/illustrations/operating-model.svg | 18+++++++++---------
Mpresentations/investors/investors2017.tex | 14+++++++-------
Mpresentations/investors/investors2017ls.tex | 300++++++++++++++++++++++++++++++++++++-------------------------------------------
5 files changed, 5193 insertions(+), 179 deletions(-)

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a/presentations/investors/investors2017.tex b/presentations/investors/investors2017.tex @@ -28,7 +28,7 @@ % Adapt title information % ======================= \title{Taler Systems S.A. \\ {\small {\bf T}axable {\bf A}nonymous {\bf L}ibre {\bf E}lectronic {\bf R}eserves}} -\institute{Independent One-Click Payments} +\institute{Instant Independent One-Click Payments} \author{Christian Grothoff \& Leon Schumacher} \date{\today} @@ -166,7 +166,7 @@ \begin{frame}{2. What is Taler?} \vfill \begin{center} -Taler is an electronic payment system. +Taler is an instant electronic payment system. \end{center} \begin{itemize} \item Pay in existing currencies (i.e. EUR, USD) @@ -200,10 +200,10 @@ Taler is an electronic payment system. \item retain civil liberties in increasingly cash-less world \item eliminates costly customer authentication \item no credit card number theft possible - \item merchants do not need to operate certified equipment (PCI DSS, etc.) - \item unlike Chaum, Taler can give change and refunds, even to anonymous customers + \item merchants do not need to operate expensive certified equipment \& processes (PCI DSS, etc.) + \item Taler can give change and refunds, even to anonymous customers \end{itemize}} - \item{Merchants are identifiable + \item{Merchants are identifiable in each payment they receive \begin{itemize} \item bad for illegal business \item no tax evasion @@ -221,7 +221,7 @@ Taler is an electronic payment system. \end{itemize}} \item{Scalable, fast protocol implementation \begin{itemize} - \item low transaction costs (at least in terms of computation at high volume) + \item low transaction costs (in terms of computation at high volume) \end{itemize}} \item{Open standard protocol without patents with free reference implementations \begin{itemize} @@ -327,7 +327,7 @@ Taler is an electronic payment system. \begin{itemize} \item{solved (technical) problem of unlinkability} \item{designed a modern, open standards based version} - \item{We have (most) of the technical expertise to really build it: {\tiny + \item{technical expertise to really build it: {\tiny \begin{itemize} \item{15 years of research in network security and privacy} \item{Founder of GNUnet and related projects} diff --git a/presentations/investors/investors2017ls.tex b/presentations/investors/investors2017ls.tex @@ -22,13 +22,13 @@ \def\checkmark{\tikz\fill[scale=0.4](0,.35) -- (.25,0) -- (1,.7) -- (.25,.15) -- cycle;} \setbeamercovered{transparent=10} - \setbeamertemplate{navigation symbols}{Investor presentation --- Taler Systems S.A. --- \today --- Page \insertpagenumber} + \setbeamertemplate{navigation symbols}{Presentation --- Taler Systems S.A. --- \today --- Page \insertpagenumber} \setbeamertemplate{section in toc}[sections numbered] % Adapt title information % ======================= \title{Taler Systems S.A. \\ {\small {\bf T}axable {\bf A}nonymous {\bf L}ibre {\bf E}lectronic {\bf R}eserves}} -\institute{Independent One-Click Payments} +\institute{Instant Independent One-Click Payments} \author{Christian Grothoff \& Leon Schumacher} \date{\today} @@ -61,14 +61,14 @@ \tableofcontents \end{frame} -\begin{frame}{0. Unique Sales Propositions (USPs)} +\begin{frame}{1. Unique Sales Propositions (USPs)} \begin{itemize} \item Instant One Click Payments - \item Private + \item Privacy for spender from payment system provider \item No Fraud (compared to credit card online payments) \item No authentication needed for payment \item Micropayments possible - \item Low transaction costs + \item Low transaction costs \item Open \item Scalable \item Transparent @@ -77,110 +77,82 @@ \section{What is Taler?} -\begin{frame}{1. The Problem} +\begin{frame}{2. The Problem} - \begin{textblock*}{3cm}(0.5cm,1cm) % {block width} (coords) - \begin{center} + 3D secure (verified by visa) is a nightmare: + \begin{minipage}{5cm} \includegraphics[width=\textwidth]{illustrations/cc3ds.pdf} + \end{minipage} + \begin{minipage}{5cm} + \begin{itemize} + \item Complicated process + \item Significant latency + \item Takes a long time + \item Can refuse valid requests + \end{itemize} + \end{minipage} + Cryptographers' paper on 3DS: + \begin{center} + ``Verified by Visa and MasterCard SecureCode: + Or, How Not to Design Authentication'' + \end{center} + Online credit card payments will be replaced, but with what? +\end{frame} - 3D Secure\note<1>{Using 3D secure (verified by visa) is a nightmare for customers. - The process is complicated, takes a long time to complete and - can refuse valid payment requests with obscure errors. - As a result, cryptographers write short papers with titles like: - ``Verified by Visa and MasterCard SecureCode: - Or, How Not to Design Authentication''. +\begin{frame}{2. The Problem} - Todays online credit card payments will be replaced, but with what?} - \end{center} -\end{textblock*} -\begin{textblock*}{3cm}(5cm,4cm) % {block width} (coords) - \includegraphics[width=2.5cm]{illustrations/bank.pdf} + \begin{textblock*}{6cm}(0.5cm,1cm) % {block width} (coords) + \begin{itemize} + \item Global tech companies push oligopolies + \item Privacy and federated finance are at risk + \item 30\% fees are conceivable + \item Economic sovereingity is in danger + \end{itemize} \end{textblock*} \begin{textblock*}{4cm}(9.5cm,3.2cm) % {block width} (coords) - \only<3,4,5>{\includegraphics[width=\textwidth]{competitor-logos/amazon.png}} + {\includegraphics[width=\textwidth]{competitor-logos/amazon.png}} \end{textblock*} \begin{textblock*}{2cm}(7cm,1cm) % {block width} (coords) - \only<3,4,5>{\includegraphics[width=\textwidth]{competitor-logos/alipay.jpeg}} + {\includegraphics[width=\textwidth]{competitor-logos/alipay.jpeg}} \end{textblock*} \begin{textblock*}{2cm}(9cm,0.5cm) % {block width} (coords) - \only<3,4,5>{\includegraphics[width=\textwidth]{competitor-logos/paypal.jpeg}} + {\includegraphics[width=\textwidth]{competitor-logos/paypal.jpeg}} \end{textblock*} \begin{textblock*}{2cm}(9cm,2cm) % {block width} (coords) - \only<3,4,5>{\includegraphics[width=\textwidth]{competitor-logos/applepay.jpeg}} + {\includegraphics[width=\textwidth]{competitor-logos/applepay.jpeg}} \end{textblock*} \begin{textblock*}{2cm}(7.5cm,2.9cm) % {block width} (coords) - \only<3,4,5>{\includegraphics[width=\textwidth]{competitor-logos/samsungpay.jpeg}} + {\includegraphics[width=\textwidth]{competitor-logos/samsungpay.jpeg}} \end{textblock*} \begin{textblock*}{1cm}(9.5cm,3.3cm) % {block width} (coords) - \only<3,4,5>{\includegraphics[width=\textwidth]{competitor-logos/android_pay.png}} + {\includegraphics[width=\textwidth]{competitor-logos/android_pay.png}} \end{textblock*} -\begin{textblock*}{4cm}(4.5cm,7cm) % {block width} (coords) +\end{frame} + + + +\begin{frame}{2. The Problem} + + \begin{block}{European alternatives are low-tech:} + {\includegraphics[width=2cm]{competitor-logos/laterpay.jpeg}} + {\includegraphics[width=2cm]{competitor-logos/sofortueberweisung.jpeg}} + {\includegraphics[width=2cm]{competitor-logos/paydirect.jpeg}} + \end{block} +\begin{block}{European regulation requires high-tech:} \begin{center} -\only<2,3,4,5>{\includegraphics[width=2cm]{illustrations/ec.png} + \includegraphics[width=2cm]{illustrations/ec.png} - AML, KYC}\only<5>{, {\bf GDPR} -} + AML, KYC, {\bf GDPR} \end{center} -\end{textblock*} -\begin{textblock*}{3cm}(9cm,6cm) % {block width} (coords) - \only<4,5>{\includegraphics[width=2cm]{competitor-logos/laterpay.jpeg}} -\end{textblock*} -\begin{textblock*}{3cm}(9cm,7cm) % {block width} (coords) - \only<4,5>{\includegraphics[width=2cm]{competitor-logos/sofortueberweisung.jpeg}} -\end{textblock*} -\begin{textblock*}{3cm}(9cm,8cm) % {block width} (coords) - \only<4,5>{\includegraphics[width=2cm]{competitor-logos/paydirect.jpeg}} -\end{textblock*} -\begin{textblock*}{3cm}(8.5cm,6cm) % {block width} (coords) - \only<5>{\includegraphics[width=3cm]{illustrations/ban.pdf}} -\end{textblock*} - \note<2>{Any technology deployed by European banks also needs to - be compliant with applicable regulation, such as anti-money laundering - and know-your-customer rules.} -\note<3>{Foreign technological providers will use their established - brands and platforms to both ignore regulations (see ``safe harbor'') - and to enthrall customers with payment solutions that exploit the - ``trusted'' platform. Amazon can offer one-click payments today, - but smaller business cannot. - - Eventually, these providers will obtain banking licenses. - - The day Google attaches a bank account to every Gmail account - offering one-click payments via all Android devices and free - personal banking will be the beginning of the - end of European banking (and economic/political independence).} -\note<4>{European competitors fail to be global, and are technologically - and economically disadvantaged compared to the global brands. They - also are decades behind the technical state of the art. Cryptographers - (or CCC hackers) will write more papers. - - Some banks will continue to follow the blockchain meme, ignoring - performance, scalability, compliance or usability concerns. - - (Blockchains are P2P protocols implementing Byzantine consensus - using computationally expensive puzzles for leader election. - Our research team has worked on secure P2P protocols for over - 15 years and published papers on Byzantine consensus in 2016. - While we are thus subject-experts, Taler does aggregation at the payment provider, - thus rarely needs multi-party consensus and simply relies on - traditional wire transfers (including possibly Bitcoin) to - settle in aggregate.)} -\note<5>{Once the EU's general data protection regulation mandating - privacy-by-design and data minimization is enforce, all of these - providers will be out of compliance, as none implement strict data - minimization or privacy-by-default. - - Non-EU providers will continue their quest for dominance and - operate extra-legally, extra-teritorially if necessary, ready - to take over the market once regulation allows it.} -\end{frame} - - -\begin{frame}{2. What is Taler?} +\end{block} +\end{frame} + + +\begin{frame}{3. What is Taler?} \vfill \begin{center} -Taler is an electronic payment system. +Taler is an electronic instant payment system. \end{center} \begin{itemize} \item Pay in existing currencies (i.e. EUR, USD) @@ -191,7 +163,7 @@ Taler is an electronic payment system. \begin{frame} -\frametitle{2. What is Taler?} +\frametitle{3. What is Taler?} \begin{center} \includegraphics[width=0.9\textwidth]{illustrations/taler-arch-full.pdf} @@ -206,7 +178,7 @@ Taler is an electronic payment system. \end{frame} -\begin{frame}{2. Advantages of Taler} +\begin{frame}{3. Advantages of Taler} \begin{itemize} \item{All operations provide cryptographically secured, mathematical proofs for courts \& auditors} \item{Customer can remain anonymous @@ -214,10 +186,10 @@ Taler is an electronic payment system. \item retain civil liberties in increasingly cash-less world \item eliminates costly customer authentication \item no credit card number theft possible - \item merchants do not need to operate certified equipment (PCI DSS, etc.) - \item unlike Chaum, Taler can give change and refunds, even to anonymous customers + \item merchants do not need to operate expensive certified equipment \& processes (PCI DSS, etc.) + \item Taler can give change and refunds, even to anonymous customers \end{itemize}} - \item{Merchants are identifiable + \item{Merchants are identifiable in each payment they receive \begin{itemize} \item bad for illegal business \item no tax evasion @@ -226,7 +198,7 @@ Taler is an electronic payment system. \end{frame} -\begin{frame}{2. Advantages of Taler} +\begin{frame}{3. Advantages of Taler} \begin{itemize} \item{Payments in existing currencies, does not introduce any new currency \begin{itemize} @@ -235,7 +207,7 @@ Taler is an electronic payment system. \end{itemize}} \item{Scalable, fast protocol implementation \begin{itemize} - \item low transaction costs (at least in terms of computation at high volume) + \item low transaction costs (in terms of computation at high volume) \end{itemize}} \item{Open standard protocol without patents with free reference implementations \begin{itemize} @@ -247,7 +219,7 @@ Taler is an electronic payment system. -\begin{frame}{3. Operating Model} +\begin{frame}{4. Operating Model} \begin{center} \includegraphics[width=\textwidth]{illustrations/operating-model.pdf} \end{center} @@ -263,7 +235,7 @@ Taler is an electronic payment system. \section{The Market} % FIXME: update, include Visa/Master/PayPal, AliPay in particular! % FIXME: render more nicely? -\begin{frame}{4. The Market} +\begin{frame}{5. The Market} \begin{textblock*}{0.6\textwidth}(1cm,5cm) % {block width} (coords) \includegraphics[width=\textwidth]{payment_solutions.png} \end{textblock*} @@ -274,7 +246,7 @@ Taler is an electronic payment system. \end{frame} -\begin{frame}{5. Competitor comparison} +\begin{frame}{6. Competitor comparison} \begin{center} \small \begin{tabular}{l||c|c|c|c|c} & Cash & Bitcoin & Zerocoin & Creditcard & GNU Taler \\ \hline \hline @@ -295,7 +267,7 @@ Taler is an electronic payment system. \end{frame} -\begin{frame}{6. Payment solutions - Pricing} +\begin{frame}{7. Payment solutions - Pricing} % FIXME: Konkrete Zahlen fuer Beispieltransaktionen \begin{center} \begin{tabular}{l||c} @@ -321,7 +293,7 @@ Taler is an electronic payment system. \section{About Us} \begin{frame} - \frametitle{7. Why now and why us?} + \frametitle{8. Why now and why us?} \begin{block}{Why now?} {%\tiny \begin{itemize} @@ -341,7 +313,7 @@ Taler is an electronic payment system. \begin{itemize} \item{solved (technical) problem of unlinkability} \item{designed a modern, open standards based version} - \item{We have (most) of the technical expertise to really build it: {\tiny + \item{technical expertise to really build it: {\tiny \begin{itemize} \item{15 years of research in network security and privacy} \item{Founder of GNUnet and related projects} @@ -354,7 +326,7 @@ Taler is an electronic payment system. \begin{frame} - \frametitle{8. Team \hfill \& \hfill Advisory Board} + \frametitle{9. Team \hfill \& \hfill Advisory Board} \begin{minipage}{5cm} \setlist[description]{leftmargin=1cm,labelindent=0cm} \begin{description} @@ -390,27 +362,27 @@ Taler is an electronic payment system. \section{Use Cases} -\begin{frame}{9. Use Case: Consumers} +\begin{frame}{10. Use Case: Consumers} \begin{center} {\bf Why would a consumer adopt Taler?} \end{center} \begin{itemize} - \item Convenient: pay with one click - \item Guaranteed: never fear being rejected by false-positives in the fraud detection - \item Secure: like cash, except no worries about counterfeit + \item Convenient: pay with one click instantly + \item Guaranteed: no rejection by false-positives in fraud detection + \item Secure: like cash, except no counterfeits \item Privacy-preserving: payment requires no personal information \item Stable: no currency fluctuations, pay in traditional currencies \item Free software: no hidden ``gadgets'', third parties can verify \end{itemize} \end{frame} -\begin{frame}{9. Use Case: Merchants} +\begin{frame}{10. Use Case: Merchants} \begin{center} {\bf Why would a merchant implement Taler?} \end{center} \begin{itemize} - \item Fast: transactions at Web-speed - \item Secure: signed contracts, no legitimate customer rejected by fraud decection + \item Instant payments: transactions at Web-speed + \item Secure: signed contracts, no legitimate customer rejected by fraud detection \item Free software: competitive pricing and support \item Low fees: efficient protocol + no fraud $=$ low costs \item Flexible: any currency, any amount @@ -420,13 +392,13 @@ Taler is an electronic payment system. \end{frame} -\begin{frame}{9. Use Case Propositions} +\begin{frame}{10. Use Case Propositions} \begin{itemize} \item[1.]{Unbanked individuals \begin{itemize} \item{Children} \item{Refugees / displaced population} - \item{Tor users} + \item{Tor users {\tiny (when privacy is required)}} \end{itemize} } \item[2.]{Instant One Click Web purchases @@ -435,7 +407,7 @@ Taler is an electronic payment system. \item Platform provider with risks {\tiny (see Spotify)} % FIXME: I do not understand... \end{itemize} } - \item[3.]{Nice Markets + \item[3.]{Niche Markets \begin{itemize} \item Adult Content \item Gambling @@ -447,7 +419,7 @@ Taler is an electronic payment system. \end{frame} -\begin{frame}{Partners} +\begin{frame}{11. Partners} \begin{minipage}{5cm} {\bf Research and development:} \begin{center} @@ -468,15 +440,6 @@ Taler is an electronic payment system. \end{center} \vspace{0.1cm} - - {\bf Strategic partners:} - - \begin{center} - \includegraphics[height=0.8cm]{partner-logos/rff.png} - \includegraphics[height=1cm]{partner-logos/pep.pdf} - \includegraphics[height=1cm]{partner-logos/tor.jpeg} - \includegraphics[height=1cm]{partner-logos/tcij.png} -\end{center} \end{minipage} \hfill \begin{minipage}{5cm} @@ -498,62 +461,73 @@ Taler is an electronic payment system. \end{frame} -\section{The Plan} +\begin{frame}{11. Strategic partners for distribution} + \begin{center} + \includegraphics[height=0.8cm]{partner-logos/rff.png} + \vfill + \includegraphics[height=0.8cm]{partner-logos/pep.pdf} + \vfill + \includegraphics[height=1.2cm]{partner-logos/tor.jpeg} + \vfill + \includegraphics[height=1cm]{partner-logos/tcij.png} +\end{center} +\end{frame} -\begin{frame}{10. Status quo and plan} - \begin{tikzpicture}[snake=zigzag, line before snake = 5mm, line after snake = 5mm] - % draw horizontal line - \draw (0,0) -- (6,0); - \draw[snake] (6,0) -- (8,0); - % draw vertical lines - \foreach \x in {0,1,2,3,4,5,6,8} - \draw (\x cm,3pt) -- (\x cm,-3pt); +\begin{frame}{12. 0.8-Efforts} +%LEON: I would also add the efforts that you have estimated in an +%additional slide ``efforts'' -- use the higher end numbers of your + %ranges. So we are conservative. + \begin{description} + \item[2 PM]{Support refunds from merchant} + \item[2 PM]{Support refunds from (bankrupt) payment service provider} + \item[1 PM]{X.509 integration of merchant keys} + \end{description} + \begin{description} + \item[4 PM]{Performance tuning} + \end{description} + \begin{description} + \item[6 PM]{Extensive testing including fault injection} + \end{description} + \begin{description} + \item[6 PM]{Documentation improvement, minor features} + \end{description} +\end{frame} - % draw nodes - \draw (0,0) node[below=3pt] {today} node[above=3pt, rotate=45, anchor=south west] {Public release and demo}; - \draw (1,0) node[below=3pt] { 6 m} node[above=3pt, rotate=45, anchor=south west] {Bank and investor signed}; - \draw (2,0) node[below=3pt] {12 m} node[above=3pt, rotate=45, anchor=south west] {First bank operational}; - \draw (3,0) node[below=3pt] {18 m} node[above=3pt, rotate=45, anchor=south west] {Major publisher operational}; - \draw (4,0) node[below=3pt] {24 m} node[above=3pt, rotate=45, anchor=south west] {Mobile app launched}; - \draw (5,0) node[below=3pt] {30 m} node[above=3pt, rotate=45, anchor=south west] {Financial break even (EU)}; - \draw (6,0) node[below=3pt] {36 m} node[above=3pt, rotate=45, anchor=south west] {Expansion to US market}; - \draw (8,0) node[below=3pt] {60 m} node[above=3pt, rotate=45, anchor=south west] {Global operation}; - \end{tikzpicture} - \noindent - \begin{itemize} - \item[500 k]{Bank operational (integration, documentation, auditing)} - \item[500 k]{Publisher operational (training, integration, marketing)} - \item[500 k]{Mobile app for major platforms (incl. NFC protocol)} - \item[500 k]{Operational overheads until break even} - \end{itemize} - \noindent - {\small - \begin{tabular}{l||r|r|r|r|r||r} - & Year 1 & Year 2 & Year 3 & Year 4 & Year 5 & Invest \\ \hline - EBIT & -208 & -2.666 & -2.902 & 1.689 & 9.542 & 5 M \\% \hline -% EBIT & -104 & -290 & -77 & 72 & 394 & 500 k \\ -% EBIT (optimistic) & -208 & -2.666 & -2.902 & 1.689 & 9.542 & 5 M \\ \hline -% EBIT (conservative) & -104 & -290 & -77 & 72 & 394 & 500 k \\ - \end{tabular} - } + +\begin{frame}{12. Efforts} +%LEON: I would also add the efforts that you have estimated in an +%additional slide ``efforts'' -- use the higher end numbers of your + %ranges. So we are conservative. + \begin{description} + \item[4 PM]{Wallet backup and cross-device synchronization} + \item[18 PM]{Wallet App for Android} + \item[18 PM]{Wallet App for iOS} + \item[3 PM]{Translation of user interfaces} + \item[100k]{External security audit} + \end{description} \end{frame} -\begin{frame}{10. Efforts} -LEON: I would also add the efforts that you have estimated in an -additional slide ``efforts'' -- use the higher end numbers of your -ranges. So we are conservative. +\begin{frame}{12. Efforts (extras for refugee scenario)} + \begin{description} + \item[12 PM]{Shop App for Android} + \item[12 PM]{Shop App for iOS} + \item[2 PM]{Simplify Taler operator installation for production} + \item[6 PM]{Stand-alone basic-income bank (R)} + \item[2 PM]{Translate taler operator manuals} + \item[3 PM]{Network-challenged backup procedures} + \end{description} \end{frame} \section{Supplemental Materials} -\begin{frame}{11. Contact details} +\begin{frame}{Contact details} \begin{center} \begin{tabular}{p{5cm}p{5cm}} - {\bf CEO} & {\bf CTO} \\ & \\ + % {\bf CEO} & {\bf CTO} \\ & \\ Leon Schumacher & Dr. Christian Grothoff \\ - {\tt ceo@taler.net} & {\tt cto@taler.net} \\ + {\tt leon@taler.net} & {\tt christian@taler.net} \\ +41-79-865-9365 & +33-2-99-84-71-45 \\ % \url{http://taler.net/ceo/} & \url{http://taler.net/cto/} \\ \end{tabular}