#TrustMetrics « Expédition confiance » BarCampBankSF3 Saturday, May 08, 2010 | Sunday, May 09, 2010 Jean-Christophe Capelli, CEO, FriendsClear Draft en.

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1 #TrustMetrics « Expédition confiance » BarCampBankSF3 Saturday, May 08, 2010 | Sunday, May 09, 2010 Jean-Christophe Capelli, CEO, FriendsClear Draft en cours de rédaction Adapté pour lExpédition Confiance FING

2 60 millions membres 41 âge moyen 125 contacts en moyenne 400 millions utilisateurs 130 amis en moyenne 54% > 26 ans Inspiré par Visible Banking (Christophe Langlois) 25 millions utilisateurs 103 followers en moyenne 35+ ans 26 millions tweets par jour 2 WhatIsTrust ?WhatIsTrust ? within social media

3 Who is this community member ? What are his car repair skills ? Can I lend (some) money to him ? Source > Meatball Wiki WhatIsTrust ?WhatIsTrust ? within social media

4 *This is what we (i.e the Meatball online community) thought 5 years ago : Nice to have: a system to rank individuals in an online community based on how much the community as a whole "trusts" each individual Ex : Slashdot or AdvoGato communities WhatIsTrust ?WhatIsTrust ? within social media Source > Meatball Wiki * and italics = 2010 edit or remarks by JCC

5 This is what we (i.e the Meatball online community) thought 5 years ago : Each user: *or the social media editor *or a trusted third-party *or ? can certify any other user at one of three trust levels, thus creating a weighted, directed graph of certifications Trust flows through this graph from user to user, starting at a "seed" of well-known individuals likely to be trusted by most of the community *Huh? This did not happen! Source > Meatball Wiki * and italics = 2010 edit or remarks by JCC WhatIsTrust ?WhatIsTrust ? within social media

6 We (i.e R&D guys) did not find yet the clue of WhatIsTrust within online communities… But businesses and social media did not wait for us! E-commerce boomed Social lending (peer-to-peer lending) gained traction WhatIsTrust ?WhatIsTrust ? within social media

7 7 Prosper.com

8

9 FriendsClear.fr

10 WhatIsTrust ? How to build /measure Trust within social lending (Peer to Peer Lending) communities ? How to enhance legacy FICO scores ? En France : la problématique de labsence de fichier de crédit positif. Présence dun fichier de crédit négatif (les interdits bancaires).

11 WhatIsTrust ? R&D FriendsClear Méthodes automatiques de qualification (ou de détermination) de la qualité des prêteurs, des emprunteurs, et de leurs relations. i.e : Méthodes alternatives de scoring et microcrédit

12 Thanks for your attention, contribution and… trust!

13 Contact Jean-Christophe Capelli Président jeanchristophe@friendsclear.com FriendsClear website : http://www.friendsclear.com Twitter : @friendsclear