Breakthrough technologies for the Base of the Pyramid (BoP), vol.2 (August 2014) - Mobile trends

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Even the in the most remote areas of the world, people use mobile phone. …

Even the in the most remote areas of the world, people use mobile phone.

The number of mobile phone subscriptions has jumped from 12.4 million to more than 5 billion in the last 20 years. There are more phones than people on the planet, and some countries like Hong Kong boast 200% penetration. Panama has 202.5%, Saudi Arabia 169.5%, Russia 155%, Brazil 136%… Comparatively, the US have “only” 103% mobile penetration and Japan 95%.

It is even more significant in developing countries: the quickest expansion has been in the developing countries, with 3.8 billion new users.

ICT can provide expertise and information to BoP people who, without it, face physical or financial challenges to access to these resources. Continuously increasing connectivity can help people at the BoP and entrepreneurs to make significant changes in their life.

Changes are already happening.

Today, in 9 African countries - Cameroon, the Democratic Republic of Congo, Gabon, Kenya, Madagascar, Tanzania, Uganda, Zambia and Zimbabwe - have more mobile money accounts than bank accounts – championing financial inclusion by providing financial services to more people than traditional banks have been able to reach
Traditional BoP industries such as Agriculture - a more traditional BoP industry - are also disrupted. Innovative social businesses use ICT tools to gain productivity and also access to relevant data about products.
Learn which company are having a tremendous impacts on farmers by providing them with accurate market price information or useful weather forecasts.
Learn how an app has changed the life of 1 million people getting water at odd time only every 3 to 5 days, for about 4h/day.
Learn how mobile technologies has helped people getting better protected through micro-insurance system.

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  • fee sell weather forecasts to large companies in seed production, fertilizer, farming equipment and trading Ghana such as cocoa. These companies have already organised farmer associations composed of a large number of farmers. The forecasts are sold for a yearly fee to these companies
  • She, Anu Sridharan, the 20-something founder of NextDrop,
    Water is released by valvemen at odd times throughout the day, which means consumers often have to wait by their taps for hours.
  • Mobile health is already firmly established enough for the WHO to have set up a special unit five years ago, the Global Observatory for eHealth, staffed by four people in Geneva

    Its manager, Misha Kay, estimated that up to 40 African countries are using mobile health services. He said large countries with several phone operators – such as Ethiopia, Nigeria, South Africa and Kenya – are leading the way. "The momentum is huge. What is happening is important. Millions of people in Africa still do not have access to any healthcare. With mobile technology they can at least have some,"

    83% out of 122 countries surveyed use mobile phone technology for services that include free emergency calls, text messaging with pill reminders and health information and transmission of tests and lab results.
  • South Africa
  • Decrease the number of clinic appointments missed
    Decrease the number of patients who discontinue treatment, and as a result, become resistant to their medications
    Help identify the patient at risk
    Streamline clinic / hospital administration and the flow of patients through large treatment sites
  • TB is curable in most cases and more so in the case of India, where the government completely funds it. However, the stigma, improper care, side-effects and poor follow up are what keep TB a disease that affects and claims lives of millions in India and around the world. With 2 to 3 million just afflicted, India has the highest Tuberculosis disease burden in the world. Dr. Thomas Frieden, head of the New York City’s Bureau of TB Control, hit the nail on the head when he said, “TB control is basically a management problem.”

    6 month of TB treatment is 90 dollars (treatment and active case detection), 567 dollars comparing to challenger

    eCompliance (formerly named eDOTS), a biometric identification system.
    Each center has a portable eCompliance system installed, and every time a patient visits a center, he or she scans a finger using the reader. This provides proof that the patient visited the treatment center and took the scheduled dose in the presence of the community partner or provider. At the end of each day, the eCompliance terminal automatically sends the attendance logs through SMS to a central database where reports are generated for analysis.

    Each time a patient fails to appear for a scheduled treatment, the eCompliance terminal sends a separate text message to the responsible provider and overseeing program manager to notify them of the patient’s absence. The provider then has 48 hours to follow up with the patient, administer the required medications, and provide individual counseling on the dangers of missing a dose. Every provider also carries an eCompliance system in his or her bag. The provider is required to bring the system to the patient’s home and scan the patient’s fingerprint to record the follow-up visit.
  • ANY IDEAS
  • M-Pesa (M for mobile, pesa is Swahili for money)

    M-Pesa has clearly been one of the key drivers for growth [in Tanzania] over the last three to four years. We currently have over three million active users on M-Pesa and over eight million customers registered ready to transact with M-Pesa. We are adding around 20,000 or 25,000 M-Pesa customers to our network every day. And the volumes and transactions have been growing exponentially helped by our 15,000 M-Pesa agents across the country

    Wizzit, linked to a bank
  • Mobile allows both to simplify the insurance and make it more efficient through data.

  • In Ghana, Tigo, Bima and MicroEnsure partnered to offer something new. In addition to the freemium plan, they offered users to double the insurance coverage for a monthly fee of $0.52.
    For example, in Ghana, more than 80% of our customers were willing to upgrade and increase cover or get additional types (accident and health) of insurance.

    you’ll recharge if you need to make an important phone call, or leave it otherwise. It’s not safe (for the insured) to have an insurance product based on this – you don’t recharge your phone, your insurance lapses, and you’re not covered any more. So we introduced ‘sachet pricing‘ for insurance- we deduct a tiny bit every day- this way the customer is always protected.

    Our second innovation – we also introduced dynamic pricing- if we were only able to collect half the premium, we also halve the insurance cover instead of cutting it off totally. This way the customer is always covered and inability to pay the entire insurance premium doesn’t translate into a total lack of cover.
  • There are up to 200 million internal migrants in China, and both India and Mexico have significant portions of the population working outside the country.

    Remittances sent to friends and family can have a considerable effect on a national economy.

    Migrants send over $20 billion in remittances annually into Mexico and India - equivalent to 2.2 and 2.4% of the countries respective GDPs.

    As rural-to-urban migrants and overseas workers gain better employment and higher incomes, they become a viable target market with unique needs and preferences. A
  • Alibaba’s portals handled gross sales of $170 billion in 2012–that is more than eBay and Amazon’s gross sales combined. (Amazon’s gross trading volume last year was an estimated $95 billion and eBay gross trading volume was an estimated $75 billion.)

    most active m-commerce users
    Biggets markets, not in the mage cities, in the mots remote areas

    3 biggest markets

    rural area of western Qinghai province rural of Guangxi Zhuang Autonomous Region (mobgolia, tibet)


    In June 2014, Chinese ecommerce giant Alibaba has unveiled Mashang Tao, a new platform that lets brands and merchants create QR codes

  • The total addressable market for mobile-enabled energy access is more than 643 million people in 2013 or 53% of the global population without access to electricity (approximately 1.2 billion people).
    The largest addressable market is Sub Saharan Africa (359 million people), where the reach of electricity networks remains limited (approx. 32% of the population[2]) but where GSM networks cover more than 74% of the population. Leveraging this increased mobile coverage and mobile penetration, innovative mobile-enabled energy services such as Pay-As-You-Go enables low income customers to afford solar home systems,
  • The total addressable market for mobile-enabled energy access is more than 643 million people in 2013 or 53% of the global population without access to electricity (approximately 1.2 billion people).
    The largest addressable market is Sub Saharan Africa (359 million people), where the reach of electricity networks remains limited (approx. 32% of the population[2]) but where GSM networks cover more than 74% of the population. Leveraging this increased mobile coverage and mobile penetration, innovative mobile-enabled energy services such as Pay-As-You-Go enables low income customers to afford solar home systems,
  • The total addressable market for mobile-enabled energy access is more than 643 million people in 2013 or 53% of the global population without access to electricity (approximately 1.2 billion people).
    The largest addressable market is Sub Saharan Africa (359 million people), where the reach of electricity networks remains limited (approx. 32% of the population[2]) but where GSM networks cover more than 74% of the population. Leveraging this increased mobile coverage and mobile penetration, innovative mobile-enabled energy services such as Pay-As-You-Go enables low income customers to afford solar home systems,
  • Nikko Torcita La Paillasse Manila

Transcript

  • 1. BREAKTHROUGH TECHNOLOGIES FOR THE BOP VOL. 2 MOBILE TECHNOLOGIES INNOVATION FROM CHINA, ENGLAND, GHANA, INDIA, KENYA, SPAIN, USA, ETC. 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 1
  • 2. In 2014, 4,5 billion people live with less than $8 /day, 70% of the people living at the BoP are in Asia (East Asia Pacific and South Asia) 45% of their spending is in the F&B, low cost housing come second with 10%, clothing (6,5%), energy (6,3%) and transport (5,9%) 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 2 THE BOP IN FIGURES (2014)
  • 3. Mobile phone subscriptions: 12.4m in 1994, 5bn+ today Developing countries: +3.8bn users, the fastest expansion 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 3 MOBILE IN THE BOP Evolution of the mobile coverage and subscriber’s penetration versus access to energy, water and sanitation (2000-2015)
  • 4. MOBILE, BOP & AGRICULTURE 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 4 Source: Sven Torfinn/M-Farm
  • 5. Founded in 2010, M Farm addresses the “middle men” effect. • Kenyan farmers SMS to get up-to-date market information of their products, • M Farm employs 10 people in five cities – Mombasa, Nairobi, Eldoret, Kisumu and Kitale – who collect daily price information on 42 crops across Kenya. About 7,000 farmers use the service in 2013 • 18 agents links also small farmers and buyer and get a 10-15% agent fee. M-FARM: REAL-TIME PRICE OF CROPS 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 5  Next step for M Farm: partnership to find more buyers (supermarket, etc.)  Question: logistic for the scaling-up phase?
  • 6. Wefarm is the internet without the internet that pushes peer- to-peer knowledge, • A project founded in 2009 by a UK charity working with farmers • WeFarm uses the internet, and a unique peer translation system, to share this knowledge by SMS with other WeFarm members around the world. • 2012 Pilot in Kenya, Peru and Tanzania WEFARM: “INTERNET” VIA SMS FOR FARMERS 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 6  Next step for WeFarm: full launch in 2014.  Question: an automatized translation? Is knowledge capitalized?
  • 7. Nano Ganesh is a Tata Group Indian initiative about rural automation • Allows farmers to use mobile phones to remotely monitor and switch on irrigation pumps used for watering crops in remote locations (remotely check the electricity, automatically turn the pump on/off) • Approximately 5,000 farmers in Maharashtra state have been using Nano Ganesh since 2008 • The device can be attached to any existing electrical starter and motor pump NANO GANESH: REMOTE IRRIGATION 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 7  Next for Nano Ganesh: expansion after Maharashtra and Gujarat  Question: affordability of the device?
  • 8. Ignitia is a semi-automated SMS-based weather forecasts for farmers in Ghana, released on the 1st of June 2013 • It utilizes satellite data and lightning data to improve rainfall predictions • Business model: sell weather forecasts to farmer associations and agricultural companies for a yearly fee, and they distribute it to the farmers in their associations by SMS and the GPS-coordinates of the individual farmer. INGNITIA: SMS-BASED WEATHER FORECASTS 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 8  Next for Ignitia: feedback about pilot phase  Question: type of infrastructure needed to collect and analyze this type of data?
  • 9. MOBILE, BOP & WATER 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 9
  • 10. NextDrop began operations in 2010 in India to serve the 1 million people of Hubli getting water only every 3 to 5 days, for about 4h/day. • Mobile technology to map & displays water delivery status the city and SMS alerts citizens on the status of water supply. • SMS about: getting water, delay in the supply, damaged pipe that might affect you, when someone in the community provides water updates. • Real time up-date to the water facilities companies before they get it through a huge crisis NEXTDROP: WATER DELIVERY INFO BY SMS 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 10  Next Nextdrop: scaling-up in Bangalore, 4,3 million people  Question: inspiration for monitoring and demanding accountability to the government regarding other public infrastructure
  • 11. MOBILE, BOP & HEALTH 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 11
  • 12. The NGO has pioneered the use of technology to reach teenagers. A 24-hour staffed phone and email hotline, both run entirely by young people, means Nigerians can text, email or ring with their questions and receive immediate replies. "We get 12,000 to 15,000 texts on a monthly basis and an average of 300 phone calls. Obviously people prefer to use SMS because they feel it's more confidential," NGO EVA: SEXUAL EDUCATION BY SMS 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 12  Next step Y-ACCESS project to select and train in parallel group of young people to serve as educators for their peers within their respective communities.
  • 13. TxtAlert is an Open Source tool developed by Praekelt Foundation: an automated, personalized SMS reminders to patients on chronic medication. • Notifying patients of their upcoming appointments, • Allows patients to reschedule their appointments if they are unable to attend, or if they've missed an appointment. • "Please Call Me"- message system ensures that a patient can be in contact with the clinic / doctor to reschedule a missed appointment, even if they do not have any airtime available to call. TXTALERT: DRUG-TAKING REMINDER BY SMS 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 13  Next step TxtAlert: Praekelt Foundation is working with various partners to • introduce a TB as well as a PMTCT (Prevention of Mother to Child Transmission) - messaging protocol for TxtAlert. • "TxtAlert Corporate"
  • 14. OpASHA runs tuberculosis control programmes in India 1Cambodia • eCompliance: Fingerprint tracker + android system that provides real time info on where the counselors are going, whom they’re treating, what medication has been given, etc. • Counselors are trained paramedics and make the diagnosis. • Data go to a backend server at the OpASHA HQ and help generate health statistic. Fingerprint tracking + GPS means data can’t be fudged. • 6 million patients treated in 2053 disadvantaged communities. OPASHA: TRACKING TUBERCULOSIS IN REAL-TIME 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 14  Next step OpAsha: • next on sanitation, micro-insurance, menstrual hygiene • Advocacy team to help other NGOs, public health departments and government bodies replicate eCompliance.
  • 15. Low-cost iPhone adapters that provide images of the eye that usually require specialist ophthalmology equipment costing tens of thousands of dollars. • Images can be added to medical records for later review by a specialist, • Or can be transmitted from a primary care worker in a remote area to a specialist who can provide advice on the medical attention required for an eye injury. STANFORD $90 OPHTHALMOLOGY KIT 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 15  Next step: distribution?
  • 16. MOBILE, BOP & ENERGY 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 16
  • 17. The majority of the first generation of PAYG solutions: • home solar systems of limited capacity (~4-10W) • include a couple of lights charging solution • phone charging solution PAY AS YOU GO 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 17  Next step: transition to larger size system (> 30-40W)  Question: what else apart from payment and charge
  • 18. MOBILE, BOP & FINANCE 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 18
  • 19. M-Pesa is a mobile-phone based money transfer and microfinancing service, launched in 2007 by Vodafone for Safaricom and Vodacom, the largest mobile network operators in Kenya and Tanzania. Branchless banking service and you can • Check your account • Pay bill • Send remittances • Cash withdrawals with ATM • Get micro credit €12bn exchanged over the last 5 years and 15 million users MPESA: BRANCHLESS BANKING 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 19  Next step for Mpesa: partnering with other services such as other MFI (Musoni) and spreading over other countries  Question: scalability in other countries
  • 20. 76% of mobile insurance services offered life cover, vs. 24% for health insurance (GSMA “Mobile Financial services for the unbanked” 2013 report) • Farmers get automatically covered for crop loss when weather data indicates too much draught or floods, without needing an expert to audit each case on the field. • The claim can be made by SMS and the money can be transferred via MPesa KILIMO SALAMA 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 20  Next step: avoiding claims by automated, IP-based weather sensors record if, for example, rainfall is 15% below the average, a payout is calculated, and the amount owed to farmers is then sent to their mobile phones
  • 21. Insurance is a more complex product: • Bima has started to offer freemium insurance to pre-existing mobile users. • Once the education of potential customers has been done – through agents or freemium deals with telco operators – premium plans can fit in and turn users into customers. • Basic insurance costs 20 – 80 US cents per month • Operate in 12 countries in Africa, Asia, and Latin America and serve about 8 million customers BIMA AND MICRO INSURANCE 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 21  Next step for Bima: new deployment, which means whole new business
  • 22. It is a joint venture created by MasterCard, eServGlobal and BICS that enables B2B cross- border and cross-network value transfers through a single connection. A real-time money transfer messaging platform that processes the remittance • Mobile/e-wallet to mobile/e- wallet • Cash/bank to mobile/e-wallet • Mobile/e-wallet to cash/bank • Mobile/e-wallet to card • Card to mobile/e-wallet • Cash/bank to card • Card to cash/bank HOMESEND: REMITTANCES: 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 22  Next step: countries in light green  Question: fees?
  • 23. ADDRESSABLE BOP MARKET FOR MOBILE-ENABLED TECHNOLOGIES 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 23 Source: WeFarm
  • 24. 643 million people TOTAL ADDRESSABLE MARKET FOR MOBILE-ENABLED ENERGY ACCESS LIGHTNING, CHARGING DEVICES, ETC. 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 24 53% of the global population without access to electricity (2013)
  • 25. 262 million people TOTAL ADDRESSABLE MARKET FOR MOBILE-ENABLED WATER ACCESS DRINKING WATER, IRRIGATION, ETC. 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 25 34% of the global population without access to improved water sources (2013)
  • 26. CHALLENGES & OPPORTUNITIES ABOUT MOBILE TECHNOLOGIES FOR THE BOP 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 26 • Leverage these tool to share real-time citizen feedback and strengthen/improve government infrastructures for the poor communities • Privacy protection • Hacking • Regulation around these new services • Application and data portability • Language translation, vocal app, etc.
  • 27. 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 27 MOBILE!!!
  • 28. STAYED TUNED: MOBILE EDUCATION 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 28 Mobile microscope from Nikko Torcita, Manila
  • 29. 21 August 2014 Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager 29 Anne-Laure Herrezuelo Senior Project Manager #bop #socialenterprise #innovation #southeastasia Mail LinkedIn