Mobile Money Afghanistan
~97% of Afghanis without
access to banking infrastructure
                    Source:Karim Khoja, CEO Roshan, 2009
Mobile density in Afghanistan at
~50% and growing organically
                Source: Afghanistan Telecom Regulatory Autho...
Adult literacy in Afghanistan:
 Male ~43% / Female ~13%
                    Source: CIA World Fact Book, 2000
In 2008 Roshan & Vodafone launch
  M-Paisa money transfer service
                       Source: Vodafone, 2008.
Q.
   What happens to existing money practices when a mobile
      operator introduces mobile banking services into this
 ...
Goals

To explore, document and communicate emergent mobile money
                    practices in Afghanistan.


    Cont...
Methodology

 Contextual user research, in-depth & intercept interviews with
   users, constituents, agents and other stak...
Interesting Challenges

 Most people are coy about financial matters and it takes time to
 build su cient levels of trust; ...
Source: Bing Maps
About the IMTFI

This project is generously funded by The      The institute annually funds researchers who
Institute for ...
About frog design

frog design is a global innovation firm. We    We work across a broad spectrum of
work with the world’s ...
About the Researchers
Jan Chipchase                                 Panthea Lee

With over a decade’s experience working  ...
Mobile Money Afghanistan
Mobile Money Afghanistan
Mobile Money Afghanistan
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Mobile Money Afghanistan

  1. 1. Mobile Money Afghanistan
  2. 2. ~97% of Afghanis without access to banking infrastructure Source:Karim Khoja, CEO Roshan, 2009
  3. 3. Mobile density in Afghanistan at ~50% and growing organically Source: Afghanistan Telecom Regulatory Authority, 2010
  4. 4. Adult literacy in Afghanistan: Male ~43% / Female ~13% Source: CIA World Fact Book, 2000
  5. 5. In 2008 Roshan & Vodafone launch M-Paisa money transfer service Source: Vodafone, 2008.
  6. 6. Q. What happens to existing money practices when a mobile operator introduces mobile banking services into this environment? How is it used? What innovations does it enable? And ultimately how does it a ect the day to day quality of life for those at the base of the pyramid? How do mobile money services work alongside existing formal and informal money practices? What lessons that can be drawn for the design of mobile money services around the world?
  7. 7. Goals To explore, document and communicate emergent mobile money practices in Afghanistan. Contribute to the knowledge base of the mobile money community.  
  8. 8. Methodology Contextual user research, in-depth & intercept interviews with users, constituents, agents and other stakeholders, using nimble, multi-lingual, mixed gender team. Two primary research locations in Afghanistan. Summer 2010.
  9. 9. Interesting Challenges Most people are coy about financial matters and it takes time to build su cient levels of trust; the dynamics of researching during Ramazan; gender roles & access; language barriers; contextual access especially in home environments; illiteracy & informed consent; the implications of participant identification; issues around authority; operational risks; logistics – especially rural access. Plenty of ways to fail. Plenty more reasons not to.  
  10. 10. Source: Bing Maps
  11. 11. About the IMTFI This project is generously funded by The The institute annually funds researchers who Institute for Money, Technology & investigate how the world’s poorest people Financial Inclusion, established in 2008 spend, save and store money, and how their within the School of Social Sciences at the habits are or could be a ected by emerging University of California, Irvine through a technologies that provide access to financial $1.7 million grant from the Bill & Melinda services, such as: mobile phone enabled Gates Foundation. banking; funds transfer and payment via new technologies; branchless banking using point of sale terminals. www.imtfi.uci.edu
  12. 12. About frog design frog design is a global innovation firm. We We work across a broad spectrum of work with the world’s leading companies, industries, including consumer electronics, helping them create and bring to market telecommunications, healthcare, energy, meaningful products, services, and automotive, media, entertainment, experiences. education, finance, retail, and fashion. Our clients include Disney, GE, HP, Intel, Our multidisciplinary process reveals Microsoft, MTV, Qualcomm, Siemens, and valuable consumer and market insights many other Fortune 500 brands. and inspires lasting, humanizing solutions. With a team of more than 500 designers, Founded in 1969, frog is headquartered in technologists, strategists, and analysts, San Francisco, with studios in Amsterdam, we deliver fully convergent experiences Austin, Milan, Munich, New York, Seattle, and that span multiple technologies, Shanghai. platforms, and media.
  13. 13. About the Researchers Jan Chipchase Panthea Lee With over a decade’s experience working Works on technology for development in the mobile space Jan brings a wealth of initiatives in various sectors, currently with on the ground experience and creative UNICEF Innovation. She graduated from thinking to his role as Executive Creative McGill University, and has research Director of Global Insights at frog design. experience across Asia, the Middle East and South America www.janchiphase.com @panthealee
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