Here's what winning teams from DataHack 4 Financial Inclusion Season 1 gained by participating in the competition.

1. An initiative of
Where are they now?
A follow-up of DataHack4FI Innovation
Award 2017 teams
April 2018

2. DataHack4FI 2017
In 2016, the insight2Impact facility
set out to implement the first
DataHack4FI innovation
competition. The key objective was
to create a platform for finance,
tech and data enthusiasts to
collaborate in using data and
analytics to solve business
challenges and extend financial
services to underserved
communities.
DataHack4FI Theory of Change for positively affecting
financial inclusion through innovation in data analytics
Meet-ups
Solution
development
Skills
development of
young
entrepreneurs
Mentorship
Tech/Fintech
Start-ups
Development and scaling of
solution
Outcomes in
Fintechs/FSPs
Investors
Exposure and
networking with
market actors
Pitching solutions and
partnering with market actors
FSPs
Impact
Uptake and usage of financial
products and services by the
un/underserved

3. The competition was held in four different countries: Rwanda, Uganda, Zambia and Kenya;
via a virtual hackathon open to participants from Ghana, Mozambique, Senegal and Tanzania.
DataHack4FI 2017
• 209 participants entered the competition
• 58 teams competed
• 166 external stakeholders attended
• Partnerships with stakeholders in the financial sector
• Piloting and testing solutions
• Launching solutions via web and mobile applications
• Integration of new technology to maximise functionality of their solution
• Extending financial inclusion to marginalised populations
The following slides summarise key developments reported by the teams.
Three months after the finale in May 2017, i2i followed up with some of the teams that were
continuing to develop their solutions to see how they had progressed. The teams reported
positive feedback on developments related to:

4. Before the data hack we
were looking at ourselves
as a ticketing company…
We are now looking at
ourselves as the bridge
between the transport data
and the partners that can
find use for this data, like
data scientists or FSPs.
Nickson Nyakambi
CEO
“
”
Mobiticket (Kenya)
1st place overall
Daniel MutongaNickson Nyakambi Kraft Opiyo Owaka
Solution:
Public transport ticketing application that allows passengers
to reserve and purchase tickets via USSD, while
simultaneously creating a formal record of sales for drivers
Phase in development:
Mobiticket is currently conducting pilots with six transport
companies in Kenya and testing additional use cases for the
data generated

5. Partnered with an
insurance provider
to incorporate
accident coverage
Private-sector
partnerships
Mobiticket (continued)
Future plans:
Use its existing data to predict
transport patterns and inform business
strategy of service providers
Partnership with
JamboPay to provide
payment platform
In talks with credit providers to
explore data relevance to credit
scoring systems
Since the completion of the DataHack4FI in May 2017, Mobiticket has onboarded new customers
through the launch of its pilots, has explored potential partnerships to extend financial services to
users, and has continued to explore use cases for its transport data in informing other market players.
Target audience:
Public transport users
100k users
Partnerships with
MTN and Airtel to
facilitate mobile
payments
Without the data hack, I don’t think we would be
having these kinds of conversations with our
partners and other stakeholders. It has opened up
a lot of opportunities for us.
Nickson Nyakambi
CEO
“
”

6. Killer Analytics (Uganda)
Solution:
Mobile application (MyAccounts) that allows SMEs to record
business transactions and build full financial reports and business
profiles, which can be used to access finance and other relevant
financial services. Real-time BI allows SMEs to better manage their
business.
Phase of development:
Currently rolling out at scale through direct onboarding and
partnerships with FSPs (banks and insurance), manufacturers and
farmer groups. Building business support structures with a focus on
financial literacy and operational efficiency.
2nd place overall
Peter MuzooraFrancis Otim Ivan Oboth Kim Kamarebe
Access to credit is a factor
of visibility and trust which
MYAccounts provides, to
the benefit of both the
FSP and the SME. The
value is beyond credit, as
SMEs are better able to
manage their businesses,
survive and thrive.
Francis Otim
CEO
“
”

7. Future plans:
• Roll out multi-level marketing project with
~300 agents.
• Build a professional services firm to
provide additional SME business support
beyond systems.
• Develop a lending facility for SMEs
focusing on tailored loan products built
using MYAccounts data.
Private-sector
partnerships
Killer Analytics (continued)
Four major manufacturers
are piloting MYAccounts
with their distributors
Two major FSPs
onboarded for financial
literacy training and
deployment of
MyAccounts for their
SMEs
Partnership with leading
insurance provider to
manage changes in tax
treatment of agents through
financial literacy training
and deployment of
MYAccounts
Since the completion of the DataHack4FI in May 2017, Killer Analytics has secured partnerships with
various key principals who are piloting the app within their value chains. It has grown its user base by
about 50% without aggressive marketing and sales activity. User retention has grown to 77% due to
improved system design and business support services.
It was a great learning experience. I can’t think of
any other arrangement that gets mentors and peers
in the same space for something productive.
Peter Muzoora
Project Manager
“
”
Target audience:
Micro and Small Enterprises
~450 active users

8. Hello Jobs (Rwanda)
Solution:
Online marketplace that links skilled tradespeople to
employers. Tradespeople create profiles and employers can
rate and recommend them. The platform facilitates payment
for services rendered, providing a formal record of
employment and payment history.
Phase of development:
Web-based application has been launched. Mobile application
currently in the design and testing phase, and second version
of web application to be tested and launched.
3rd place overall
Martial
Batangana
Samantha
Manywa
Dominique
Savio
Gael
Shema
Before, I was thinking I would
connect the service provider
with an employer and that is
all. I didn’t get the concept
behind building the data. But
then I realised that everything
done on the platform is an
added value that can influence
how people come to the
platform.
“
”Martial Batangana
Co-founder

9. Future plans:
Incorporate an online payment
facility to their application
Target audience:
Skilled tradesmen
300 service providers registered
42 active employers
Private-sector
partnerships
Hello Jobs (continued)
In talks with ICT Chamber to discuss
possibilities for collaboration
Since the completion of the DataHack4FI in May 2017 Hello Jobs has been selected to participate in the
Capacity Education programme. This is an exchange between the governments of Rwanda and Israel.
It has also developed and launched a second version of its website application as well as its first mobile
application. It has doubled the number of service providers registered on its website.
In all the things I’m doing now, I have to consider collecting data
and building it alongside the application. Like the views, likes,
recommendations, transactions, payroll records… in using the
app I consider that and I know it has value. that’s something I
learned in this competition.
Martial Batangana
Co-founder
“
”

10. Flippify (Ghana)
Solution:
Savings product that allows users to work towards savings goals using features such as
automated transfers, direct deposit, earned interest and target setting
Phase in development:
Web application has been launched with options to link all four major mobile money wallets in
Ghana, as well as traditional bank accounts. Mobile application to be launched in early 2018
1st place in virtual hackathon
In Ghana it’s difficult to find a
savings account where you could
do small transfers. That is where
Flippify comes in, with the little
automated savings facility.
Emmanuel Mbalam Gideon Yorke Johnathan Lawerh Emmanuel Mbalam
CEO
“
”

11. Target audience:
Youth: 20 to 35 yrs
In talks with regional bank to
facilitate transfer and holding of
customer funds
Flippify (continued)
700 active users
Future plans:
• Apply machine learning to predict
customer behaviour and suggest
savings plans
• Approach financial service
providers (FSPs) to offer
additional financial services to
users such as credit
Since the completion of the DataHack4FI in May 2017, Flippify has hired more technical staff, onboarded
it’ first clients and developed a key partnership with a regional bank, which is integral to operationalising
the product. They have plans to extend further financial products and services to their clients.
Private-sector
partnerships
Partnered with Jislah, an
insurance provider, to facilitate
customer transfers and
collaborate on product design
[Flippify] was an idea I had already, but I
wasn’t working on it until we got selected for
the data hacks and then I really got serious
about it… The data hacks has had a big
impact on our progress.
Emmanuel Mbalam
CEO
“
”

12. Mvend (Rwanda)
Solution:
Mobile application that facilitates the digitisation of savings groups.
Mobile money wallets are integrated with the application to facilitate
transfers to and from the group.
Phase of development:
Pilots have been launched with six SACCOs through two NGOs.
Brian GumisirizaVanessa Rukundo Jimmy Rutabingwa
3rd place in-country competition
We learned the benefit of data,
especially when it comes to
learning about your target
market, so you’re able to
understand your customers.
Vanessa Rukundo
Operations Manager
“
”

13. Future plans:
Explore partnership with the
National Bank of Rwanda to inform
its strategy with SACCOs
Target audience:
Savings and credit
cooperatives (SACCOs)
Private-sector
partnerships
Mvend (continued)
When we started the competition we didn’t really have
the bigger picture of the idea. The DataHack4FI was an
opportunity for us to brainstorm and realise the
potential that our idea had, who our partners could be,
our potential competitors… the competition has pushed
our business to where it is today.
Partnerships with three major MNOs
(MTN, Tigo, Airtel) to integrate mobile
payments
625 active users
Partnerships with AFR and
African Evangelistic Enterprise
(development org) to pilot the
product with their SACCOs
Since the completion of the DataHack4FI in May 2017, MVend has secured additional partnerships with
key mobile network operators, and has signed MOUs with two major NGOs that manage SACCOs for
purposes of piloting its product.
Vanessa Rukundo
Operations Manager
“
”

14. AgriGo (Rwanda)
Solution:
USSD application that feeds relevant information on weather and climate variables to
farmers to maximise crop yield. Also helps to facilitate communication and record
financial transactions between smallholder farmers and their cooperatives.
Phase of development:
Completed the first pilot phase, working on a second iteration and actively recruiting
new users
Shikama Dioscore Patrick Byishimo Kiflemariam Andom Sium
Participant in Rwanda in-country competition
Our solution is about
capturing financial data of the
farmer and the transacting
organisation… We are
creating a niche market for
banks, insurance providers,
lenders…
Shikama Dioscore
CEO
“
”

15. Future plans:
• Incorporate IoT technology to
develop toolkits that facilitate
collection of data on variables like
weather, climate and soil
• Explore opportunities for data to
inform credit scoring
Target audience:
Smallholder farmers
3,000 users
Private-sector
partnerships
AgriGo (continued)
Partnership with MTN to
integrate mobile money
**Partnership with Ministry of
Agriculture to assist piloting and
driving adoption of product
Since the completion of the DataHack4FI in May 2017, AgriGo’s developers has attended a Carnegie
Melon data master class, and the team has conducted a pilot with 700 smallholder farmers and solidified
partnerships that will contribute to the dissemination and further development of their product.
Partnership with AGRIFOP, a local
NGO to expand its reach to a larger
network of farmers
Discussions with Central Bank to
participate in sandboxing project
The data hack master class was helpful in triggering more
interest in data analysis and understanding… it inspired us to
look for other opportunities to understand data and analytics.
Shikama Dioscore
CEO
“
”

16. datahack4fi.org
@i2ifacility /insight2impact /insight2impactFollow the competition at #DataHack4FI
An initiative of Established by Sponsored by
Dumisani Dube
T: +27 11 315 9197
E: dumisani@i2ifacility.org
Emily Westerlund
T: +27 21 915 9510
E: emily@i2ifacility.org
Thank you