Title: Kenyans use social media to mobilize support for drought victims
Author: Kingsley Ighobor
Source: Bulawayo24
Date (published): 13/11/2011
Date (accessed): 14/11/2011
Type of information:
Language: English
On-line access: yes (HTML)
Abstract:
"...In July, as thousands of starving people walked across the border from Somalia into the Dadaab refugee camp in northeastern Kenya, there were also thousands of Kenyans dying of drought in that region, as well as in Turkana, Pokot and Baringo. Ms. Gichuru and other journalists covered that reality. "I went to the camp and saw children just screaming. It was deafening. Some had just died. Some were about to die, and I saw parents standing helplessly, just preparing to dig another infant grave," she told Africa Renewal.

The interventions of Ms. Gichuru and others have been acclaimed for both the sheer effort — more than $67 million donated so far by ordinary Kenyans and some companies — and the tools with which the mobilization has been carried out: Facebook, Twitter, mobile phones, television, radio and newspapers.

Reactions to the various media reports were swift and spontaneous. The Media Owners Association, Safaricom (one of the country's leading mobile phone companies) and the Kenya Red Cross continue to rally donations and other relief materials under the aegis of Kenyans for Kenya, an association officially launched in late July.

"The response by Kenyans was overwhelming and humbling, hitting KSh19 million through M-Pesa [mobile banking] contributions on the second day," reports The Standard, a leading Kenyan newspaper. Ms. Gichuru says that they collected the equivalent of about $10 million within two weeks.
…
How does it work? Safaricom assigned a dedicated account number that people with mobile phones can easily remember (111 111). Subscribers pay into their M-Pesa accounts, much as they do when adding to their phone calling credits. To make a donation they simply enter the amount and send it to the dedicated account number. Both the sender and the recipient promptly get SMS messages confirming the transaction. The ease of transactions has contributed to the project's success.

The credibility of the main implementing partner, the Kenya Red Cross, further encourages people to donate. "Once people knew who was going to spend the money, they felt more comfortable to contribute," says Ms. Gichuru."

Title: Branchless Banking in Pakistan: A Laboratory for Innovation
Author: Chris Bold
Publisher: CGAP: Consultative Group to Assist the Poor
Date (published): 24/10/2011
Date (accessed): 20/11/2011
Type of information: brief
Language: English
On-line access: yes (pdf)
Abstract:
"Pakistan is one of the fastest developing markets for branchless banking in the world. Clear regulations and a regulator that is willing to both listen to the private sector and provide incentives for innovation have promoted a dynamic branchless banking sector. Two players
have already launched services, and others are waiting in the wings. This Brief highlights
both existing and anticipated businesses and outlines the key challenges and opportunities
that are likely to shape the market over the next 12 months.

Branchless banking regulation was first introduced in Pakistan in April 2008. From the beginning, the State Bank of Pakistan (SBP) has taken a constructive regulatory approach by providing clear guidance and being willing to listen to businesses and adjust regulation where necessary. A variety of business models is emerging that involves a wide range of players, including mobile network operators (MNOs), technology companies, and even a courier business.(Notably, a bank remains ultimately liable to SBP in all the models.) The government is further encouraging innovation by piloting the use of branchless banking to distribute government payments. Taken together, these factors make Pakistan a unique laboratory for innovation.

SBP has issued four branchless banking licenses and is considering several others."

Title: Beyond Payments or Just Different Payments?
Author: Sarah Rotman
Source: CGAP: Consultative Group to Assist the Poor
Date (published): 15/11/2011
Date (accessed): 20/11/2011
Type of information: blog post
Language: English
On-line access: yes (HTML)
Abstract:
"Everyone is always talking about trying to move the branchless banking industry beyond just payments. Those of us concerned with accelerating “real financial inclusion” long to see credit, savings and insurance products pushed over new delivery channels. But is it possible that there’s still work to be done within the payments space itself, just diversifying a bit beyond simple P2P transfers?

For example, I’ve been hearing a lot of talk recently about really trying to crack the nut on merchant payments. Branchless banking providers see this as a huge opportunity not only for increased transactions (and therefore revenue), but also as a way to solve some of the tricky problems around liquidity management at agent locations when more people use electronic value for direct purchases instead of just cashing in and out. But how do small merchants respond to the possibility of being brought into the formal economy through using a traceable payments service? Will merchants and customers be willing to pay a fee to transact electronically instead of in cash? These are just a couple of the open questions that still need to be answered."

Title: Electronic Payment Systems Development in a Developing Country: The Role of Institutional Arrangements
Authors: Austin Briggs, Laurence Brooks
Pages: 16 pp.
ISSN: 1681-4835
Source: The Electronic Journal of Information Systems in Developing Countries, (2011) 49, 3, 1-16
Publisher: City University of Hong Kong
Date (published): 24/09/2011
Date (accessed): 20/11/2011
Type of information: peer reviewed article
Language: English
On-line access: yes (pdf)
Abstract:
"This paper examines the institutional arrangements in the development of Nigeria’s electronic payment system (EPS) using a new institutional economics (NIE) perspective. A case study of Nigeria’s EPS was carried out using semi structured interviews to collect data from 18 participating stakeholders; a thematic method was used for the data analysis. The study suggests that a well-functioning set of arrangements, which is lacking in the institutional setup in Nigeria may be required to build necessary institutional capacity suitable for development of safe and efficient electronic payment systems. Although the technological payment infrastructure in Nigeria is modern and of comparable standard, the failure to put in place reliable and relevant market and collaborative agreements has not enabled full exploitation of the available infrastructure. Current governance structures show elements of power struggle and distrust between stakeholders (players and regulators), hampering the creation of an environment that would sustain free market economic activities and effective development of payment systems."

Title: Rural Women Banking By Mobile Phone
Author: Ignatius Banda
Source: ipsnews.net
Publisher: IPS-Inter Press Service
Date (published): 14/11/2011
Date (accessed): 18/11/2011
Type of information: article
Language: English
On-line access: yes (HTML)
Abstract:
"Collecting the monthly subscriptions for her co-operative has always been a headache for Thelma Nare, 41. This is because Nare lives in Tshitshi, Plumtree in rural Zimbabwe, about 60 kilometres away from the humdrum of the nearest town centre where banks are located.

"We meet after a long time as here in the rural areas our homesteads can be very far from each other. So members of our club do not meet or contribute regularly," Nare said.

In fact, the women in the co-operative do not have a bank account. Until recently, Nare and the other co-operative members had to physically be present to make their monthly contributions.

But now, these "unsophisticated" rural women find themselves at the centre of efforts by mobile phone service providers to introduce mobile phone money transfers in Zimbabwe.

Those without bank accounts, like Nare and her co-operative, can now send and receive cash via their mobile phones.

The system is fairly simple. A user registers for mobile phone banking with their service provider and is given a mobile "e-wallet" - an application on their sim card that is linked to their phone number.

When the user wants to pay for services or transfer money to someone they simply have to go to an agent and pay the desired amount, which is loaded onto the "e-wallet". The payment is made and the recipient can withdraw the money from an agent. There are various agents affiliated with the mobile service providers across the country, making the service easily accessible to those in rural areas."

Title: Connected Agriculture : The role of mobile in driving efficiency and sustainability in the food and agriculture value chain
Pages: 42 pp.
Publisher: Vodafone
Date (published): 11/10/2011
Date (accessed): 17/11/2011
Type of information: report
Language: English
On-line access: yes (pdf)
Abstract:
"Mobile communications can help to meet the challenge of feeding an estimated 9.2 billion people by 2050. The 12 specific opportunities explored in this study could increase agricultural income by around US$138 billion across 26 of Vodafone’s markets in 2020.

They could also cut carbon dioxide emissions by approximately 5 mega tonnes (Mt) in these markets and reduce freshwater withdrawals for agricultural irrigation by 6%, with significant savings in water-stressed regions. These benefits assume there will be around 549 million mobile connections to relevant services in 2020.

This report aims to stimulate the necessary engagement between mobile operators, governments, NGOs and businesses to realise these opportunities and explore others.
Benefits Mobile services can enable companies to

The opportunities studied here would improve the efficiency of the agriculture and food sectors as well as helping to raise the incomes of millions of poor farmers in developing countries. Increased efficiency is also expected to lead to fewer food losses – an important aspect of meeting the world’s growing demand for adequate and affordable supplies of nutritious food.

These mobile services enable companies to access and interact directly with different participants in the value chain, helping to build visibility of issues, capacity and quality. They will support company sustainability objectives, and in particular, progress towards the UN Millennium Development Goals by helping to reduce poverty, improve health and increase funding for education.

The greatest potential benefits can be generated by enabling mobile financial payments and mobile information provision, each delivering almost 40% of the total estimated increase in agricultural income.

Opportunities
Mobile telecommunications can connect farmers to markets, finance and education, making it possible to monitor resources and track products. This unlocks productivity potential while helping to manage the impacts of increased production, such as increased water use and greenhouse gas emissions.

This study focuses on 12 opportunities that deliver broad socio-economic and environmental benefits. They are grouped in four categories that were identified through stakeholder consultations as the most important.
…
Conclusion
The systems required to deliver these opportunities are both complex and fragmented and, as such, need the collective support of key stakeholders across the agricultural supply chain. Mobile network operators are well-positioned to act as a catalyst for action. They have the technology, the distribution channels and the customer relationships to drive these initiatives forward. However, NGOs, private enterprises and governments must agree to contribute their knowledge and expertise in order to ensure the delivery of the benefits to their full potential.

Critical success factors include the development of local relationships and understanding, testing solutions and a sympathetic regulatory environment. Consolidating these elements will help to ensure that the content and methods of delivery are tailored to both markets and crop types, optimising the value for farmers. Governments will also benefit through improved data collection and efficient, secure methods of subsidy distribution and other transactions. Pilot projects will provide an opportunity to test the technology, explore delivery partnerships, and create new business models for the rural poor and other underserved groups, such as women farmers. A regulatory environment that supports these innovations, in terms of both the technology and the required business models, will be essential.

The potential multiplier effects of the social and economic benefits that these opportunities could deliver will reach well beyond the immediate value chain. For example, improved agricultural income can reduce pressure on social support systems. It is clearly in the interest of all stakeholders to work together to ensure success."

Title: The digital revolution in sub-Saharan Africa
Author: Laila Ali
Source: Al Jazeera English
Date (published): 12/10/2011
Date (accessed): 17/10/2011
Type of information: article
Language: English
On-line access: yes (HTML)
Abstract:
"Much has been written about the role technology played in bringing social and political change across much of the Middle East and North Africa, but less is known about the technological revolution that is taking place and transforming people's lives in sub-Saharan Africa.

It is estimated that by 2015 sub-Saharan Africa will have more people with mobile phone network access than electricity access at home. People with internet and no home electricity will reach 138 million, according to the Cisco Global Mobile Data Traffic Forecast for 2010-2015.

This deep and rapid mobile penetration is catapulting developing countries into the 21st century and bringing new and previously unimagined opportunities. While schools in the developed world enforce strict policies to keep mobile phones out of the classroom, African schools and universities are now exploring the use of mobile technology to assist teaching.
...
Mobile education
Under the BridgeIt initiative, known locally as Elimu kwa Teknologia or Education through Technology, teachers download video content using Nokia N95 mobile phones, which are connected to TVs in their classrooms, allowing rural schools and communities access to a digital catalogue of locally-developed or adapted educational content.
…
E-learning
In South Africa the concept of using mobile technology to support distant learners is also gaining ground. Pretoria University considers it an extension of e-learning - where distance learners use the internet to access materials to support their studies.
…
An app for that
The use of mobile technology in Africa is not limited to the field of education. In Kenya, high mobile penetration spurred the development of ground-breaking applications that are positioning the country as a regional leader in technology."

Title: Africa represents real mobile innovation
Author: Bontle Moeng
Source: IT News Africa
Date (published): 20/09/2011
Date (accessed): 21/09/2011
Type of information: article
Language: English
On-line access: yes (HTML)
Abstract:
"The TM Forum Management World Africa, a global communications industry initiative that assists members to understand the complexity of running a service provider business commenced today at the Hilton Hotel, in Johannesburg, South Africa

Speaking at the two day conference, Nik Willetts, TM Forum Senior VP for Communications highlighted the challenges of service provider transformation in Africa.
Willetts says business and IT transformation are a crucial prerequisite for agility, growth and profitability.
During a Q&A session with ITNewsAfrica, Willetts provided vital information regarding Africa’s current mobile state and possible future opportunities.

Why is the African mobile market regarded as ‘the most exciting market in the world’?
Africa has the opportunity to capture markets that the more developed markets have already established. The opportunity to take a good share of the banking space, for example where many of the consumers that are being added now don’t have a bank account or experience in banking services – can have access to those services.
In Africa where some of those services are scares for many consumers means you can take them on a journey from a pre-financial world and a pre-banking world to one where they can embrace it."

Title: Zap It to Me: The Short-Term Impacts of a Mobile Cash Transfer Program
Author Editor: Jenny Aker, Rachid Boumnijel, Amanda McClelland, and Niall Tierney
Pages: 40 pp.
Source: Center for Global Development
Date (published): 20/09/2011
Date (accessed): 21/09/2011
Type of information: research report
Language: English
On-line access: yes (pdf)
Abstract:
"Conditional and unconditional cash transfers have been effective in improving development outcomes in a variety of contexts, yet the costs of these programs to program recipients and implementing agencies are rarely discussed. The introduction of mobile money transfer systems in many developing countries offers new opportunities for a more cost-effective means of implementing cash transfer programs. This paper reports on the first randomized evaluation of a cash transfer program delivered via the mobile phone. In response to a devastating drought in Niger, households in targeted villages received monthly cash transfers as part of a social protection program. One-third of targeted villages received a monthly cash transfer via a mobile money transfer system (called zap), whereas one-third received manual cash transfers and the remaining one-third received manual cash transfers plus a mobile phone. We show that the zap delivery mechanism strongly reduced the variable distribution costs for the implementing agency, as well as program recipients’ costs of obtaining the cash transfer. The zap approach also resulted in additional benefits: households in zap villages used their cash transfer to purchase a more diverse set of goods, had higher diet diversity, depleted fewer assets and grew more types of crops, especially marginal cash crops grown by women. We posit that the potential mechanisms underlying these results are the lower costs and greater privacy of the receiving the cash transfer via the zap mechanism, as well as changes in intra-household decision-making. This suggests that m-transfers could be a cost-effective means of providing cash transfers for remote rural populations, especially those with limited road and financial infrastructure. However, research on the broader welfare effects in the short- and long-term is still needed."

Title: Saving On The Mobile: Developing Innovative Financial Services to Suit Poor Users
Source: AppLab blog (Grameen Foundation)
Date (published): 11/08/2011
Date (accessed): 12/08/2011
Type of information: blog post
Language: English
On-line access: yes (HTML)
Abstract:
"Grameen Foundation’s Sean Krepp and Dr. Olga Morawczynski recently published this paper on Saving on the Mobile in the World Economic Forum’s Mobile Financial Services Development Report 2011.

Savings on mobile money
A recent survey of over 2,000 Kenyan households found that 89% of respondents used M-PESA, a Kenyan mobile money (MM) application, “to save” (Suri and Jack, 2010). Dr. Morawczynski confirmed this finding after spending over 18 months studying the financial habits of resource poor M-PESA users in two locations: an urban slum called Kibera and village in Western Kenya called Bukura (Morawczynski, 2010). The study found that M-PESA was integrated into the financial portfolios and acted as a complement, rather than a substitute, to other mechanisms. This paper expands on these findings by disaggregating the term “savings” and focusing on behavior.

Four scenarios have been developed to explain how and why resource poor individuals use MM as a savings mechanism. These scenarios describe the frequency of transactions and the costs associated with each form of savings. A case study accompanies each scenario to explain the circumstances leading to the savings behavior.

Two MM applications are central to this analysis— M-PESA in Kenya and MobileMoney in Uganda. Product ideas are derived from analysis of practices. To “go beyond payments” and be relevant to poor users, mobile applications must be designed to fit into existing practices rather than trying to change or displace them."