Mobile Money Afghanistan         JAN CHIPCHASE
rising mobile penetration50% DENSITY, MANY MULTIPLE SIM OWNERS, AFGHANISTAN TELECOM REGULATORY AUTHORITY, 2010
~4% banking penetration    CGAP: 83 ACCOUNTS PER 1,000 PEOPLE, MANY   WITH MULTIPLE ACCOUNTS
team
team
~56 participants                   25 IN-DEPTH INTERVIEWS; 8 HOME VISITS PAST, PRESENT AND POTENTIAL FUTURE M-PAISA USERS;...
research challenges
money i taboo      is
ramadan
elections     i
gender divide        i i
security     i
what did we learn?
stores of value
stores of value
stores of value
stores of value
the risks of cash     i
informal crediti            i
everyday graft
financial, mobile, textual         literacy
trust i institutions      in i  i   i
tangible vs. digital    i         i i
finding an agent i i
social   i     burden
chicken & egg  i
mobile = disruptive
‘the mobile phone is the the biggest enabler of love   ggmarriages in Afghanistan          today’   FEMALE, 20
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase
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How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase

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How to Drive Customer Usage of Mobile Financial Services- 01 jan chipchase

  1. 1. Mobile Money Afghanistan JAN CHIPCHASE
  2. 2. rising mobile penetration50% DENSITY, MANY MULTIPLE SIM OWNERS, AFGHANISTAN TELECOM REGULATORY AUTHORITY, 2010
  3. 3. ~4% banking penetration CGAP: 83 ACCOUNTS PER 1,000 PEOPLE, MANY WITH MULTIPLE ACCOUNTS
  4. 4. team
  5. 5. team
  6. 6. ~56 participants 25 IN-DEPTH INTERVIEWS; 8 HOME VISITS PAST, PRESENT AND POTENTIAL FUTURE M-PAISA USERS; PEOPLE WITHIN THE AGENTECOSYSTEM; MANUAL LABOURERS; POLICE OFFICERS; ENTREPRENEURS; RADIO PRODUCER; CHEMIST; TEACHER; FACTORY WORKERS; STUDENTS; SECURITY GUARDS; ELECTRICIAN; STORE CLERKS; LOCAL NGO WORKERS; CORNER APP STORE OPERATORS; FARMERS 44 MALES / 12 FEMALES RANGE OF RELIGIOUS; ETHNIC; SOCIO-ECONOMIC BACKGROUNDS
  7. 7. research challenges
  8. 8. money i taboo is
  9. 9. ramadan
  10. 10. elections i
  11. 11. gender divide i i
  12. 12. security i
  13. 13. what did we learn?
  14. 14. stores of value
  15. 15. stores of value
  16. 16. stores of value
  17. 17. stores of value
  18. 18. the risks of cash i
  19. 19. informal crediti i
  20. 20. everyday graft
  21. 21. financial, mobile, textual literacy
  22. 22. trust i institutions in i i i
  23. 23. tangible vs. digital i i i
  24. 24. finding an agent i i
  25. 25. social i burden
  26. 26. chicken & egg i
  27. 27. mobile = disruptive
  28. 28. ‘the mobile phone is the the biggest enabler of love ggmarriages in Afghanistan today’ FEMALE, 20

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