2025-3f.tex (11513B)
1 \documentclass[aspectratio=169,t]{beamer} 2 \input taler-macros 3 \usepackage{eurosym} 4 \usepackage[normalem]{ulem} 5 \newcommand{\TITLE}{NEXT \\ GENERATION \\ INTERNET} 6 \newcommand{\SUB}{GNU Taler: Privacy for Inclusion, Free Software for Innovation} 7 \newcommand{\AUTHOR}{\vfill Christian Grothoff} 8 \newcommand{\SPEAKER}{\vfill Christian Grothoff} 9 \newcommand{\INST}{Bern University of Applied Sciences} 10 \newcommand{\DATE}{Future Finance Fest} 11 \usepackage{amsmath} 12 \usepackage{multimedia} 13 \usepackage[percent]{overpic} 14 \usepackage{framed,color,ragged2e} 15 \usepackage[absolute,overlay]{textpos} 16 \definecolor{shadecolor}{rgb}{0.8,0.8,0.8} 17 \usetheme{boxes} 18 \setbeamertemplate{navigation symbols}{} 19 \usepackage{colortbl} 20 \usepackage{booktabs} 21 \usepackage{url} 22 \usepackage{pifont} 23 \newcommand{\cmark}{\ding{51}}% 24 \newcommand{\xmark}{\ding{55}}% 25 \usepackage{array, adjustbox,url} 26 \usepackage{pifont} % wasysym 27 \usepackage{rotating,subfig} 28 \usepackage{xspace} 29 \ifpdf\usepackage{tikz}\fi 30 \usepackage{xcolor} 31 \usetikzlibrary{shapes,arrows} 32 \usetikzlibrary{positioning} 33 \usetikzlibrary{calc} 34 35 \usepackage{FiraMono} 36 \usepackage{fontawesome} 37 \usepackage[absolute,overlay]{textpos} 38 39 \usepackage{array, adjustbox,url} 40 41 \setlength{\TPHorizModule}{1mm} 42 \setlength{\TPVertModule}{1mm} 43 \usepackage[labelformat=empty, font=small]{caption} 44 \captionsetup[figure]{font=small} 45 46 47 \definecolor{tumblue}{RGB}{0,101,189} 48 \definecolor{shadecolor}{rgb}{0.8,0.8,0.8} 49 \definecolor{MidnightBlue}{rgb}{0.1, 0.1, 0.44} 50 \definecolor{CornflowerBlue}{rgb}{0.39, 0.58, 0.93} 51 \definecolor{Black}{rgb}{0, 0, 0} 52 53 54 % Do not edit this part 55 \title{\TITLE} 56 \subtitle{\SUB} 57 \date{\DATE} 58 \author[\SPEAKER]{\AUTHOR} 59 \institute{\INST} 60 61 % 30 minutes 62 \begin{document} 63 64 \begin{frame}[plain] 65 \maketitle 66 \end{frame} 67 68 69 \section{Introduction} 70 71 72 \begin{frame}{What is Taler?} 73 \framesubtitle{\url{https://taler.net/}} \noindent 74 \begin{center} 75 Taler is an open payment {\em protocol}. 76 \end{center} 77 \pause 78 \begin{itemize} 79 \item GNU Taler a Free/Libre software \emph{payment system} infrastructure 80 project with a surrounding software ecosystem and a community that wants 81 to deploy it as widely as possible.\pause 82 \item Taler Systems S.A. is a company offering commercial support. 83 \end{itemize} 84 \end{frame} 85 86 87 \begin{frame}{What is Taler?} 88 However, Taler is 89 \begin{itemize} 90 \item \emph{not} a currency or speculative asset 91 \item \emph{not} a long-term store of value 92 \item \emph{not} a network or instance of a system 93 \item \emph{not} decentralized 94 \item \emph{not} based on proof-of-work or proof-of-stake 95 \end{itemize} 96 \end{frame} 97 98 99 \begin{frame}{Design principles} 100 \framesubtitle{https://taler.net/en/principles.html} 101 GNU Taler must ... 102 \begin{enumerate} 103 \item {... be implemented as {\bf free software}.} 104 \item {... protect the {\bf privacy of buyers}.} 105 \item {... enable the state to {\bf tax income} and crack down on 106 illegal business activities.} 107 \item {... prevent payment fraud.} 108 \item {... only {\bf disclose the minimal amount of information 109 necessary}.} 110 \item {... be usable.} 111 \item {... be efficient.} 112 \item {... avoid single points of failure.} 113 \item {... foster {\bf competition}.} 114 \end{enumerate} 115 \end{frame} 116 117 118 \begin{frame}{Architecture} 119 \begin{center} 120 \includegraphics[width=0.7\textwidth]{operations.png} 121 \end{center} 122 \end{frame} 123 124 125 \begin{frame}{NGI TALER} 126 \framesubtitle{\url{https://taler.net/en/consortium.html}} 127 128 \begin{itemize} 129 \item EU Project started December 2023 to deploy GNU Taler 130 \item 3 financial institutions (GLS Bank, Magnet Bank, Visual Vest), 131 2 academic institutions (Berner FH, TU Eindhoven), 132 3 SMEs (Taler Systems SA, Code Blau GmbH, Petit Singularites), 133 3 non-profits (NLnet Foundation, E-Seniors Association, Homo Digitalis) 134 \item $\approx$ \EUR 5M budget over 3 years 135 \item Objective: {\bf Deploy GNU Taler in Europe} 136 \end{itemize} 137 \end{frame} 138 139 140 \begin{frame}{Launch Timeline} 141 \begin{description} 142 \item[Q2'2022] Internal deployment at BFH 143 \item[Q4'2024] Deployment of local currency Netzbon in Basel 144 \item[Q2'2025] Public deployment of eCHF in Switzerland 145 \item[Q4'2025] Magnet bank launches in Hungary (?) 146 \item[Q1'2026] GLS bank launches in Eurozone (?) 147 \end{description} 148 \end{frame} 149 150 151 \begin{frame}{Public Operators} 152 \begin{itemize} 153 \item \url{https://netzbon.ch/} is site of deployment in Basel ({\bf NETZBON}) 154 \item \url{https://exchange.e.netzbon-basel.ch/} hosts production REST API 155 \item \url{https://taler-ops.ch/} is site of Taler Operations AG, Biel ({\bf CHF}) 156 \item \url{https://exchange.taler-ops.ch/} hosts production REST API 157 \item \url{https://gls.de/taler/} main site for Taler at GLS Bank ({\bf EUR}) 158 \end{itemize} 159 \end{frame} 160 161 162 \begin{frame}{What software exists?} 163 \begin{itemize} 164 \item libeufin-nexus: EBICS integration 165 \item libeufin-bank: regional currency bank 166 \item merchant backend: REST API with inventory and order management 167 \item payment plugins: Joomla!, Magento, WooCommerce 168 \item challenger: address (postal, sms, e-mail) validation (OAuth2 API) 169 \item exchange: Taler core system with AML/KYC processes for compliance 170 \item wallets: for Android, Chromium/Chrome, Firefox, iOS, ... 171 \end{itemize} 172 \begin{center} 173 Taler is licensed under LGPL (rarely), GPL (wallets) or AGPL (servers). 174 \end{center} 175 \end{frame} 176 177 178 \begin{frame}{What can you do today?} 179 \begin{itemize} 180 \item Add any Taler provider to your wallet 181 \item Withdraw digital cash via SEPA transfer 182 \item Deposit digital cash back into your bank account 183 \item Make P2P payments 184 \item Setup your own merchant / e-commerce site to receive payments 185 \item Setup your regional / event currency 186 \end{itemize} 187 \end{frame} 188 189 190 \begin{frame}{What software is the community working on?} 191 \begin{itemize} 192 \item Sync: backup service 193 \item GNU Anastasis: distributed zero-knowledge key backup 194 \item Mailbox: send payment messages to remote Taler wallets (instead of NFC/QR code) 195 \item TalDir: map e-mail address or phone number to Taler wallet Mailbox address 196 \item Adorsys-OBG: automate withdrawal via PSD2 197 % \item EKYC: Electronic KYC process for ID document uploading 198 % \item cashless2ecash: pay with card to withdraw Taler e-cash 199 % \item cash2ecash: pay with cash to withdraw Taler e-cash 200 \end{itemize} 201 \end{frame} 202 203 204 \begin{frame}{Finance and Academia} 205 GNU Taler is unique: 206 \begin{itemize} 207 \item Free/Libre Open Source retail payment system 208 \item originating from research 209 \item escaped the lab into production\pause 210 \item {\em remaining} open for research! 211 \end{itemize} 212 $\Rightarrow$ opportunities for collaboration! 213 \end{frame} 214 215 216 \begin{frame}{Example: Oral Information Management (OIM)} 217 OIM is a human-centered design practice governed by the following principles: 218 \begin{enumerate} 219 \item Designs must first enhance client-side financial product usability. 220 \item Designs should provide positive incentives to clients to acquire useful financial numeracy and financial literacy skills. 221 \item The design process is client-guided. 222 \item Oral designs should not embarrass or inconvenience or literate clients. 223 \end{enumerate} 224 \end{frame} 225 226 227 \begin{frame}{Literacy} 228 \begin{center} 229 \includegraphics[width=0.7\textwidth]{illiteracy.png} 230 \end{center} 231 \end{frame} 232 233 234 \begin{frame}{Numeracy} 235 \begin{center} 236 \includegraphics[width=0.7\textwidth]{numeracy.png} 237 \end{center} 238 \end{frame} 239 240 241 \begin{frame}{Design} 242 \begin{center} 243 \includegraphics[width=0.5\textwidth]{taler-oim.png} 244 \end{center} 245 \begin{center} 246 \includegraphics[width=0.5\textwidth]{transaction-types.png} 247 \end{center} 248 \end{frame} 249 250 251 \begin{frame}{Results from Freetown (2025)} 252 \begin{itemize} 253 \item Twenty-one (21) women speaking 6 local languages were briefed on how to send money in the OIM Taler prototype.\pause 254 \item Of these only 4 had completed primary school, and only 6 could read a 5-digit cash (ordinal) number.\pause 255 \item After 24 hours they were presented a Taler wallet with a random sum in new leone tokens. 256 They were asked to count the money, and complete 8 tasks to send some to another person by generating a scannable QR code.\pause 257 \item Sixteen (16) completed all 8 tasks with no errors. \pause 258 \item Four (4) completed all 8 tasks with two tries but no help. Only one was unable to complete the process successfully. 259 \end{itemize} 260 \end{frame} 261 262 263 \begin{frame}{Voices from Freetown (2025)} 264 \begin{itemize} 265 \item ``This app is much better than Afrimoney. Everyone would use it.'' \pause 266 \item ``It’s simple, and you can correct your mistakes.'' \pause 267 \item After the test, participants were asked if they would use OIM 268 Taler, if it were available in Sierra Leone? All (!) stated that they: 269 \begin{itemize} 270 \item would like to use it, 271 \item prefer it to existing apps, and 272 \item would share it with their friends 273 and relations, especially those 274 who had trouble with writing 275 and numbers. 276 \end{itemize} 277 \end{itemize} 278 \end{frame} 279 280 281 \begin{frame}{Finance and Academia (cont.)} 282 More is happening: 283 \begin{itemize} 284 \item Post-quantum safe protocol design (TU/e) 285 \item Subscriptions and discount tokens (BFH) 286 \item Privacy-preserving tax-deductable donation receipts (NLNET+BFH) 287 \item M2M/IoT payments with embedded wallets (TUD) 288 \item Programmable payments (TUB) 289 \item $\ldots$ 290 \end{itemize} 291 \end{frame} 292 293 294 \begin{frame}{Finance and Academia (cont.)} 295 More should be happening: 296 \begin{itemize} 297 \item Improved accounting integration 298 \item Personal finance management (on-device!) 299 \item Share tokenization 300 \item $\ldots$ 301 \end{itemize} 302 $\Rightarrow$ Join us with {\bf your} ideas! 303 \end{frame} 304 305 306 \begin{frame}{How to support?} 307 \begin{description} 308 \item[Join:] {\small \url{https://lists.gnu.org/mailman/listinfo/taler}} 309 \item[Learn:] \url{https://tutorials.taler.net/} 310 \item[Discuss:] \url{https://ich.taler.net/} 311 \item[Report:] \url{https://bugs.taler.net/}, 312 \item[Develop:] \url{https://git.taler.net/} 313 \item[Apply:] \url{https://nlnet.nl/taler} 314 \item[Translate:] \url{https://weblate.taler.net/}, \url{translation-volunteer@taler.net} 315 \item[Integrate:] \url{https://docs.taler.net/} 316 \end{description} 317 \end{frame} 318 319 320 \begin{frame}{Workshop overview} 321 \begin{itemize} 322 \item Installing the GNU Taler wallet 323 \item Demo time: 324 \begin{itemize} 325 \item Withdrawing 326 \item Paying 327 \item Sending 328 \item Invoicing 329 \item Depositing 330 \end{itemize} 331 \item Merchant backend SPA tour 332 \item Creating an order via the REST API 333 \end{itemize} 334 \end{frame} 335 336 337 % This should be last... 338 \begin{frame}{Acknowledgements} 339 340 \begin{minipage}{0.45\textwidth} \ \\ 341 {\tiny Funded by the European Union (Project 101135475).} 342 343 \begin{center} 344 \includegraphics[width=0.5\textwidth]{../bandera.jpg} 345 \end{center} 346 \end{minipage} 347 \hfill 348 \begin{minipage}{0.45\textwidth} 349 {\tiny Funded by SERI (HEU-Projekt 101135475-TALER).} 350 351 \begin{center} 352 \includegraphics[width=0.65\textwidth]{../sbfi.jpg} 353 \end{center} 354 \end{minipage} 355 356 \vfill 357 358 {\tiny 359 360 Views and opinions expressed are however those of the author(s) only 361 and do not necessarily reflect those of the European Union. Neither the 362 European Union nor the granting authority can be held responsible for 363 them. 364 365 } 366 \end{frame} 367 368 \end{document}