case study: nigeria
DESCRIPTION
STEVE PANNIFER, Head of Delivery, Consult Hyperion, at the European IRM Summit 2014.TRANSCRIPT
1 Apr 13, 2023
Cloud-Based Mobile Identity Services without a Network
Delivering Real Benefits in Emerging Markets
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Abstract
What is the most demanding environment into which you have delivered a digital identity service? This year Consult Hyperion's TAP (Token Administration Platform) pilot has delivered a voucher service into rural Nigeria where the end-customers have no digital footprint and where there is often no network coverage of any kind. Through the use of the latest mobile and contactless technologies, together with "people-powered mesh networking", we have delivered a cloud-based identity service that enables farmers to gain access to the subsidies to which they are entitled. Steve will provide an overview of this high profile project and draw lessons for the wider identity industry.
Introduction to Consult Hyperion
Consult Hyperion has helped some of the world’s leading organisations to make the right commercial and technical choices within and around
mobile, contactless and NFC-enabled services.
Why Voucher Schemes?
Vouchers are increasingly being used in emerging markets
Government payments to needy citizens
Subsidies for agricultural inputs
Healthcare entitlements
Accurate management of voucher schemes is a challenge
Lack of physical infrastructure for paper records
Lack of telecoms infrastructure for mobile communication
Voucher schemes in emerging markets can be subject to inefficiency, inaccuracy and fraud
This is an identity management problem
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Nigeria has network coverage gaps
http://www.fspmaps.com/
Token Administration Platform
TAP is an innovative solution to voucher administration designed for use in emerging markets
Using NFC technology, contactless cards and tablets
Strong emphasis on customer identification, registration and subsequent authentication
Operates in remote, offline environments
Piloted in Nigeria
Funded by DFID
Working with the International Fertiliser Development Center
And the Nigerian Government Growth Enhancement Scheme
To provide fertiliser subsidies to subsistence farmers
TAP is a World First
Enabling Nigerian farmers to access GES inputs
…using state of the art mobile technology
Connecting on line and off line farmers
…to their local agro-dealers
Even where there is not yet network coverage
…with full weekly reconciliation reports
…and built in fraud prevention and detection
500,000 farmers
2 regions
4 months to build and launch the service from scratch
6 month pilot
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TAP pilot
The TAP service consists of several tasks:
Identity Management
Key components of technology
ELECTRONIC VOUCHERS:
All GES entitlements are distributed
electronically to the Agro-dealers
New vouchers can be created within a few days AGRO-DEALER
ELECTRONIC FORMS:
All farmer registration data are collected
electronically and sent to the core system within a
day or two ENUMERATOR
Key components of technology
IDENTIFICATION BY NFC TECHNOLOGY:
All users are issued with a TAP card
Details of users and vouchers are held on tablets
The card must be tapped to the tablet for every task
Tablet owners must also enter a PIN
They are identified by their photograph and vital statistics
TAP always knows who performed every task and when they did it
Name: Barack Obama
YOB: 1976
ID type: NIMC
ID: 12345678901
Ward: Abaji
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TAP pilot
ONLINE: data is transmitted after each task or at the end of the day
OFFLINE: data is copied to field officers devices and taken into coverage
Identity is managed in cloud but attribute data is made available on the relying party device
Redemption
PHOTOGRAPH FARMER ID
PHOTOGRAPH FARMER
COLLECT FARMERDETAILS
ISSUE CARD TO FARMER
Identity Proofing, Credential & Binding
Enumeration
Identity Assertion
IDENTIFY FARMERDETERMINE ENTITLEMENT
FARMER TAKESSUBSIDIZED FERTILIZER
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Identity Management Lessons
Proprietary8th August 2014
The importance of a simple user experience:
Identity does not need to be complex to the user
The lowest common denominator for identity:
An anonymous (but appropriately linkable) identifier
...supported by a credential under the user’s control
The value of building from robust enrolment process:
14% had no identity documentation
Highlighted many previously-hidden problems with state-issued
identification documents
Cloud-managed identity can work in an offline environment
GES brings many benefits
Farmer registration details captured electronically
• Reducing time, cost and errors
Agro-dealers transact electronically both in coverage and off line
• Accurate data returned to GES database within a week
• Allowing faster settlement and loan repayments
• Giving lenders greater confidence in the scheme
Automatic reports generated
Fraud prevention and detection measures
But that’s just the pilot…
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Extension to other services
TAP can deliver vouchers for many types of service
Government Payments
Healthcare
Voucher schemes
Disaster relief
TAP provides low cost but reliable method for enrolment
Potential use in KYC / AML
TECHNOLOGY LEAP-FROGGING
DURING THE 2014 WET SEASON MORE NIGERIAN
FARMERS USED NFC TECHNOLOGY THAN UK BANK
CUSTOMERS
Tomorrow’s Transactions:thought leadership from Consult Hyperion
Read www.chyp.com/media/blogListen www.chyp.com/media/podcastsVisit www.chyp.comContact [email protected] @chyppings
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Thank You
+44 1483 301 793