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Introduction to the user landscape for mobile money services - touching on illiteracy, competency, shared use and privacy.

Introduction to the user landscape for mobile money services - touching on illiteracy, competency, shared use and privacy.

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  • Nokia source: revised global estimates: http://www.nokia.com/press/press-releases/showpressrelease?newsid=1393524
  • Nokia source: revised global estimates: http://www.nokia.com/press/press-releases/showpressrelease?newsid=1393524
  • A related article by Tomi T Ahonenthat explores the SMS component of baseline functionality: for example whilst every one of the 5 billion mobile phones offer text messaging (SMS) services the illiterate, illiterate children (too young to learn to write), and the ergonomically infirm (e.g. people with arthritis) are not be using text messaging. In addition multiple SIM card users may channel text messages and other data services through one SIM card and their voice calls through another. See: http://communities-dominate.blogs.com/brands/2010/02/portio-mobile-messaging-user-number-is-too-big-cant-be-4b-today-more-like-36b.html

Transcript

  • 1. JAN CHIPCHASE
    tech@state
  • 2. ~6.8 billion humans
  • 3. ~5 billion subscribers
    Source: ITU, estimate for end of 2010
  • 4. ~1.2 billion phones sold
    Source: Nokia, 2009
  • 5. “cell phone”
  • 6.
  • 7. aspiration
  • 8. convenience & privacy
  • 9. convenience & privacy
    some, but not all transactions
  • 10. “illiteracy”
  • 11. “illiteracy”
  • 12. “competency”
  • 13. “competency”
    to be connected?
  • 14. “competency”
    to complete a financial transaction?
  • 15. “competency”
    what does the user need to know to complete the task in any given context?
  • 16. “competency”
    what does it mean to be
    financially literate in any given context?
  • 17.
  • 18. rote learning
  • 19. proximate literacy
  • 20. proximate literacy
  • 21. ownership is not “use”
  • 22. ownership is not “use”
    the path of least financial resistance
  • 23. corner-shop app stores
  • 24. corner-shop app stores
  • 25. corner-shop app stores
    content mediators, technical competency
  • 26. user literacy
    our literacy of users
  • 27. user literacy
    our literacy of users