Trouver

Trouver delivers Innovative identity and financial services for the underserved, through consultancy based on more than 30 years’ active experience in the intertwined areas of financial inclusion and identity.

Digital Financial and Digital Banking services

• Including mobile money, DFS, digital transformation, cybersecurity, risk management, new ways of doing business, omnichannel approaches, remittance services
• AML, CFT, FATF Recommendations etc

Agriculture

• A natural companion for financial inclusion and identity
• Evaluation and digitisation of value chains in countries as diverse as Nigeria, Uganda and Cote D’Ivoire, for crops including maize, salads, cassava, coffee, sugarcane and millet
• Development and operation of the groundbreaking TAP service for agri-subsidies, working off-grid for the delivery and redemption of e-vouchers using an innovative, cost-effective technological solution

Identity Services

• New forms of digital identity: top-down and bottom-up; self sovereign; centralised, distributed and blockchain
• ID&V, KYC/CDD, e-KYC
• Biometrics, other forms of authentication/identification

Regulation

• Training of regulatory/supervisory authorities in the migration to DFS services
• Working with DFS operators and banks to meet the expectations of the authorities

Trouver is managed by Paul Makin, who has more than 30 years experience in digital financial and digital banking services. Coming from a background in cryptography, Paul’s work took him into the development and operation of new payment services, first for the international payment schemes, then working with a range of alternatives such as the early cryptocurrencies.

Working with the first mobile payments services took Paul into Kenya, working with a Vodafone team in the early concept development and piloting of what came to be called M-Pesa. This led to the development of offline M-Pesa extensions – never launched – and the concept development, launch and piloting of the TAP-GES agriculture input subsidy programme in Nigeria, when his team registered more than 500,000 farmers in just three months, giving them a form of digital identity card, and delivered more than US$19m in subsidies to farmers far beyond the reach of mobile phone networks.

Since then, Paul’s work has focussed on questions of identity and access to appropriate financial services, whilst addressing the issues that arise from moving people in a single step from a cash-based economy to one based on de-materialised cash held on a mobile phone.

Please get in touch with us if you’d like to engage Paul’s services, or even if it’s just to find out more about the wide range of projects Paul has contributed to.

Paul’s CV is available on application to info@trouver.ltd