Elice 2016 Keynote Tom Sinclair, Gateway Academy World Bank
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The 4th Annual eLearning Innovators Conference & Expo (ELICE), an international conference for mobile educators, researchers, innovators & leaders, was held between 12th-16th September at KICD in Nairobi. This year's event attracted over 300 delegates during the five day event.
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Elice 2016 Keynote Tom Sinclair, Gateway Academy World Bank
- 2. 2 Gateway Academy is an innovative learning project within CGAP funded by the MasterCard Foundation. A curated online learning platform that will offer online and blended learning and cultivate communities of practice. What is Gateway Academy?
- 3. 3 . Financial inclusion means that all households and businesses, regardless of income level, have access to and can effectively use the appropriate financial services they need to improve their lives. Benefits are significant for individuals and economies. Linked to a country’s economic and social development, and plays a role in reducing extreme poverty. What is Financial Inclusion and Why is it Important?
- 4. 4
- 5. 5 We are: Global partnership of 34 leading development organizations, housed at the World Bank We believe: Financial inclusion is an important enabler of poverty alleviation We care about: Innovation driving services for the poor at scale and low cost We do: Applied research, knowledge sharing and evidence-based advocacy with financial service providers, policy makers and funders OUR VISION A world where everyone has access to and can use the financial services they need to improve their lives. OUR MISSION To improve the lives of poor people by spurring innovations and advancing knowledge and solutions that promote responsible, sustainable, inclusive financial markets. What is CGAP?
- 6. INFLUENCE THROUGH EVIDENCE • RESEARCH • FIELD TESTING • KNOWLEDGE PRODUCTS • IMPLEMENTATION TOOLS AND TRAINING
- 7. • Convene Partner Events & Peer Learning • CGAP.org (blog, multi-media, etc.) • Microfinance Gateway • Research & Publications • Social Media • Gateway Academy BUILD COMMUNITIES OF LEARNING AND PRACTICE
- 9. Why the Gateway Academy? • Human capacity is a critical component of delivering financial services • Limited human capacity is a significant challenge to advancing financial inclusion • A major constraint to improving the capacity of financial institutions is limited access to affordable, high-quality training services The Problem:
- 10. The Solution: • Create a transformative impact on financial inclusion by increasing the reach of high- quality training content. • Capture a significant audience by offering a solution that meets the audience’s needs in terms of user experience. • Create lasting impact for those working to advance financial inclusion.
- 11. 3 Main Components Online learning hub Training provider capacity building Research and community
- 13. Copyright © 2013 Accenture All rights reserved. 13 High-Level E-Learning Model Gateway Academy Training Partner 1 Training Partner 2 Training Partner 3 Training Partner 4 Training Partner 5 User 1 User 2 User 3 User 4 User 5 User 6 User 7 User 8 FSP 1 FSP 2 Free, Self-paced, Online Courses Fee-based, Instructor-led, Online Courses Fee-based, Blended Learning Courses
- 14. And then this happened…
- 15. Gateway Academy Vision Short Term: • Procure a user friendly learning platform • Seed content through development of alpha and pilot courses • Build capacity of training service providers to develop quality elearning Long Term: Create a sustainable revenue model and the right enabling conditions to create a Gateway Academy that is independent of the World Bank.
- 16. Collaboration and Co-Creation Workshop • Build credibility through partnerships • Support organizational culture shifts around e- learning • Build awareness of e-learning as an effective format for staff development • Identify content partners and content priority areas Key Considerations for Building the Gateway Academy
- 17. Collaboration and Co-Creation Workshop • Identify mechanisms and business models for leveraging existing programs • Resolve access challenges and give staff time to use the programs • Align with FSP performance management systems, learning management systems and career progression processes Key Considerations for Building the Gateway Academy
- 18. Collaboration and Co-Creation Workshop • The market doesn’t exist. • The platform is too costly for one training provider or financial service provider. • Need to create buy-in. How Do We Actually Do This?
- 19. Key Success Factors: • Co-creation and collaboration with stakeholders • Engaging senior managers, HR managers and learners- must create buy-in • Creating buy-in and ownership through engagement and communication • Stimulating both supply and demand
- 20. Collaboration and Co-Creation Workshop Microfinance Institutions Banks Bankers’ Associations Microfinance Associations Training Providers Universities Other Content Experts On-line Instructional Design Experts HR Managers Senior Executives Who are our Stakeholders?
- 21. If you want to go quickly, go alone. If you want to go far, go together.
- 22. Advancing financial inclusion to improve the lives of the poor www.cgap.org
- 23. Alpha - Prototype testing of various technologies, modes of learning and content. Successful prototypes will be developed into pilots. Pilot – Fully developed courses that are run with a selected group of users before public deployment. Pilots will be refined prior to Beta. Beta –Publically available courses, delivered for a fee, that will be refined through feedback and tested prior to full deployment. Protoype, test, refine, pilot, refine, roll-out, refine: Continuous Learning
- 24. Playing the Matchmaker: Alpha Testing FSP: Demand for content Content Expert / Training Partner: Supply of content Matchmaking
- 25. FY 2017 • Deliver 5 prototypes, testing various modes of learning and content. • Successful prototypes developed into pilots. • Contract award for e-Learning platform and provision of instructional design • Development of 8 additional pilot courses. • Deployment of 4 publically available fee-based courses. • Develop/Implement Capacity Building Activities with Training/Content Providers • Quality Control Issues worked out with platform provider and partners • Annual E-Learning COP Workshop in SSA
- 26. Alpha Learning Circle Project Manage r FSP Training Provide r/ Content Expert Online Learnin g Firm Platfor m Provide r CGAP Team Member Online Instruction al Design Consultant Monitoring , Evaluation and Learning Partner The Project Manager will oversee alpha testing. Staff member(s) of identified institutions will test content. Has a contract with CGAP to digitize course content. The firm working with the training provider to digitize content. The firm working with CGAP to host alpha course on their platform. Member of Gateway Academy team. A consultant who will be working with CGAP to offer expertise and review of work done by the Online Learning Firm. Facilitate development of learning agenda and implement MEL plan. Alpha Learning Circle Learning Circle Concept
- 27. E- Learning Market System Demand Supply Strategic Consultation Technology Infrastructure Mobile/Internet Availability Regulations Industry Standards Digital Literacy Sector Coordination Licensing & Certification E-Learning Market Researc h Design Services Quality Signalling User Technical Support Delivery Support Consumer Protection Privacy & Security Humanitarian Emergencies & Conflict Copyright Laws
Editor's Notes
- Good morning, I’m Thom Sinclair from the Consultative Group to Assist the Poor, or CGAP, a think tank housed at the World Bank. I’m delighted to be here at this conference with all of you. We participated last year, an walked away with so many connections and insights. We’re very glad to be here this year sharing our process on the Gateway Academy. To begin, let me give you some insight into Gateway Academy, Financial Inclusion and what CGAP does in this sector.
- We’ll get into more specifics in a moment, but at a high level Gateway Academy is an innovative project within CGAP funded by the MasterCard Foundation. The MasterCard Foundation and CGAP determined there was a need to expand training to financial service providers in sub-Saharan Africa, and together decided to launch this project to do this through online learning. Financial service providers are banks, microfinance organizations, mobile-network operators, insurance companies and other companies that provide financial services. But, we’re working specifically with financial service providers, or FSPs, that work in financial inclusion. And we’re targeting mid and entry level staff at microfinance organizations and banks first. We are building a curated online learning platform that will offer both online and blended learning courses and cultivate communities of practice focused on financial inclusion in Sub-Saharan Africa. What exactly do we mean by financial inclusion?
- An estimated 2 billion working-age adults– more than half of the world’s total adult population – do not have an account at a formal financial institution. Financial inclusion efforts seek to ensure that all households and businesses, regardless of income level, have access to and can effectively use the appropriate financial services they need to improve their lives. Currently, the world’s poor live and work in what is known as the informal economy. Even though they have little money, they still save, borrow and manage day-to-day expenses. However, without access to a bank, savings account, debit card, insurance, or line of credit, for example, they must rely on informal means of managing money. This includes family and friends, cash-on-hand, pawn-brokers, moneylenders, or keeping it under the mattress. Sometimes these choices are insufficient, risky, expensive, and unpredictable. Being included in the formal financial system helps people: Make day-to-day transactions, including sending and receiving money; Safeguard savings, which can help households manage cash flow spikes, smooth consumption and build working capital; Finance small businesses or microenterprises, helping owners invest in assets and grow their businesses; Plan and pay for recurring expenses, such as school fees; Mitigate shocks and manage expenses related to unexpected events such as medical emergencies, a death in the family, theft, or natural disasters; and Improve their overall welfare. The benefits of financial inclusion are not only significant for individuals but for economies as well. Financial inclusion is linked to a country’s economic and social development, and plays a role in reducing extreme poverty. Recent research indicates that financial inclusion is not only positively correlated with growth and employment, but it is generally believed to causally impact growth. https://www.youtube.com/watch?v=g5IVrGlW7q8
- What is CGAP’s role in financial inclusion?
- What is CGAP’s role in financial inclusion?
- We cultivate communities of practice and learning. Share knowledge: Partner events Microfinance Gateway CGAP.org Suite of publications WorkSpace: Collaborative online space where we work with our partners Spread the message via social media New Online learning portal. The Gateway Academy Let’s take a look at some of my coleagues talking about what CGAP does? http://www.cgap.org/photos-videos/introduction-cgap
- So, as I noted, the Gateway Academy is an innovative project within CGAP funded by the MasterCard Foundation. It is a curated online learning platform that will offer both online and blended learning courses and cultivate communities of practice focused on financial inclusion in Sub-Saharan Africa. Staff capacity at financial service providers (FSPs) has long been a challenge for financial inclusion efforts. Without strong staff, FSPs are limited in their ability to innovate and extend their outreach to the nearly 2.5 billion people who are excluded from the formal financial system. New applications of technology are bringing about massive change in the field of professional development and training. These approaches have the potential to dramatically expand the accessibility of high-quality content at a lower cost than traditional training models and thus boost much-needed capacity in the sector. CGAP Gateway Academy is an innovative learning project that will offer both on-line and blended courses and cultivate communities of practice focused on financial inclusion in sub-Saharan Africa. Gateway Academy will work with training providers, financial service providers and on-line learning experts to generate high-quality course content, build communities of practice and conduct on-going research to understand user needs. Gateway Academy is building on the reputation of the Microfinance Gateway (the Gateway) to support innovative approaches to build capacity of financial inclusion professionals. With fifteen years’ experience promoting knowledge exchange and professional development for the microfinance and inclusive finance sector, the Gateway is a trusted resource and the Gateway Academy is a natural extension of this strong foundation. To build on this foundation, Gateway Academy is intended to: Create a transformative impact on financial inclusion by increasing the reach of high-quality training content; Capture a significant audience by offering a solution that meets the audience’s needs in terms of user experience- e.g. the technical aspect of the platform are adapted to the target audience’s environment; Create lasting impact for those working to advance financial inclusion. We expect to see a significant number of users engaging in on-line learning and communities, gaining skills that are relevant to their jobs and helping them advance in their careers. Consistent with CGAP’s approach of creating demonstration projects and facilitating market development, CGAP will rapidly prototype and alpha-test options for delivering on-line learning testing format, content, delivery channels, incentives, constraints and other factors. Gateway Academy will engage in this alpha prototype and pilot testing as we develop our longer term solutions. The learning from this work will continuously feed into the long-term solution. We expect to have a site to do pilot testing by fall 2016 and then move into pilot and beta testing. Over the course of five years Gateway Academy will be developed and refined to build a long-term sustainable model. The Gateway Academy will have an initial focus on the following countries: Kenya, Ghana, Tanzania, Rwanda, Malawi, Zambia, and Uganda.
- limited human capacity is a significant challenge to advancing financial inclusion. Human capacity is a critical component of delivering financial services, yet many financial institutions consistently struggle to develop and manage their human capital. A 2012 CGAP survey of 413 capacity-building providers and 221 financial service providers found that the greatest challenge faced by financial service providers was improving the capacity of their business. However, a major constraint to improving the capacity of financial institutions is limited access to affordable, high-quality training services. In the 2012 CGAP survey, only 16 percent of the financial service providers indicated that there are enough high-quality training opportunities available in the market where they operate. So, consistent with CGAP’s approach of incubating demonstration projects and facilitating market development, CGAP and the MasterCard Foundation developed the concept of an e-learning platform based on CGAP’s previous experience with the Microfinance Gateway. The agreement between CGAP and the MasterCard Foundation calls for CGAP to develop and launch Gateway Academy to improve the capacity of the sector’s workforce. In turn, financial institutions will be better placed to meet the significant unmet demand for a range of financial services in Sub-Saharan Africa. For the platform to be successful, we need to see a significant number of users engaging on the platform who are gaining skills that are relevant to their jobs and thus helping them to advance in their careers.
- Thom: As mentioned the Academy was a concept developed jointly between CGAP and MCF. It was intended to do these things. Not a small task.
- Thom: There are 3 main components to the GA- the platform, the community and continued research and building training partner capacity. Next slides cover research that has been done on the technology side. Parvati will go over these slides.
- Microfinance Gateway- CGAP has managed since its launch in 2000
- Someplace talk about how this co Would not have been done by one organization. A public good, collaboration. WB and MCF investing in platform and capacity building to seed the sector and crowd in actors. Demand study, but continuous learning
- So, we know the components, we know the simplified model, but it turns out to be much more complicated than that.
- Spin-off from CGAP. Due to CGAP’s legal structure as an entity of the World Bank, CGAP is not permitted to accept revenue. For the platform to accept revenue and be sustainable, CGAP will need to transfer the platform to another organization or potentially create an independent organization to manage the platform. CGAP has followed this model with other initiatives in the past (e.g., MIX Market) and will research the possibility of spinning off the e-learning platform. The market research and business development components of the project will include regular analysis of the platform’s potential sustainability and partnership options for the potential spin-off. Analysis will also be undertaken to determine whether a spin-off should include only the e-learning platform, or the e-learning platform and the Microfinance Gateway as a unit. Revenue model. Sustainability will be based largely on fees paid by the training providers to use the platform. The model in Annex VI incorporates a fee of 10 percent of training provider revenue from courses taught on the platform. Additional opportunities for revenue will be explored and could contribute to the platform’s sustainability should they be adapted. Some examples include geographic expansion, digital advertising, job referrals, and fees for badges. Regular analysis of such opportunities will be carried out during the project to inform the long-term revenue model. Cost structure. The program is designed to minimize the ongoing costs of running the technical platform, but decisions will need to be made about how and if to minimize the governance and management of the platform. One approach would be to slowly move the platform in the direction of a largely user-led and managed platform, similar to a wiki. This would minimize costs by reducing or eliminating oversight and management expenses, but would potentially dilute the credibility of the platform if the content quality were drastically reduced.
- Obtained Buy-in Drove home the complexities of the work. Put culture/organizational change in the forefront
- Obtained Buy-in Drove home the complexities of the work. Put culture/organizational change in the forefront
- FEED YOUR MIND VIDEO So, we know the problem and the solution in terms of long term and short term goals, but how do we actually make this happen? We’ve engaged in research of all kinds. We commissioned the demand study that my colleague Dr. Josephine Kibe is discussing in a breakout. We conducted multiple interviews and a number of small focus groups. But, the main things we are doing is collaborating with our stakeholders to co-create Gateway Academy.
- Why is collaboration important? Why is it a necessary component of success? Must be stakeholder led and owned Pics #’s 65, 64, 5,
- Add in pics from the workshop Obtained Buy-in Drove home the complexities of the work. Put culture/organizational change in the forefront But, the only way we can do this is through collaboration and co-creation with our partners. This must be built with our learners and users.
- Collaboration is Co-Creation video So, based on the idea that we wanted our stakeholder to collaborate and co-create the Gateway Academy with us, from June 14-16 we brought together 80+ partners from 7 countries for a workshop in Nairobi for our Collaboration and Co-Creation workshop. And, why do we want to collaborate? Because our partners know their business, and they will know what works in the market. They are the ones who are working in the market. How can you – together with your stakeholders– bring brilliant new products and services onto the market? By deploying co-creation, crowdsourcing, communities and platforms. So, we had out first workshop which is currently feeding into our program. We are now implementing smaller country level workshops to continue this, and we will build this collaboration into our programming and our platform. Thank you!
- Thom: This slide covers how we are approaching the project. Make clear what platform each stage takes place on.
- Contracts and MOUs have been a huge challenge.
- We are working with our friends at the Financial Services Deeping project here in Nairobi on e-learning strategy. They developed this market oriented approach to working in elearning in financial inclusion. There is a lot of detail here that we won’t go into. But there are two main take-aways from this slide. First, there it is complicated. There are many, many pieces of the puzzle we have to take into account including legal issues, technology issues, cultural issues. The other is that we have to work on both the supply of e-learning and the demand for e-learning. We have TSPs and FSPs….