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.

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
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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
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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
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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
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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
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 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
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 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
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 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
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 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
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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
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 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
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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
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 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
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 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
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 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
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 Next step: distribution?

16. MOBILE, BOP & ENERGY
21 August 2014
Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager
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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
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 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
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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
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 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
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 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
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 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
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 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
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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
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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
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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
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• 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
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MOBILE!!!

28. STAYED TUNED: MOBILE EDUCATION
21 August 2014
Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager
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Mobile microscope from Nikko Torcita, Manila

29. 21 August 2014
Breakthrough technologies for the BOP - Anne-Laure Herrezuelo, Senior Project Manager
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Anne-Laure Herrezuelo
Senior Project Manager
#bop #socialenterprise #innovation #southeastasia
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