Outline: Tanzanian MFS Landscape: Current Status; Maximizing Opportunities in Tanzania; Mitigating Challenges and Risks in MFS in Tanzania; Pushing MFS to the next level in Tanzania; and Lesson for Africa: Key Take Homes.
Web and Mobile Payments are gaining traction in Nigeria today. This slide presents the facts and figures behind these channels and seeks to recommend how uptake can be stimulated by consumers
Outline: Tanzanian MFS Landscape: Current Status; Maximizing Opportunities in Tanzania; Mitigating Challenges and Risks in MFS in Tanzania; Pushing MFS to the next level in Tanzania; and Lesson for Africa: Key Take Homes.
Web and Mobile Payments are gaining traction in Nigeria today. This slide presents the facts and figures behind these channels and seeks to recommend how uptake can be stimulated by consumers
Influence of Mobile Money on Transactions in Africa; Focus East AfricaKelvin Kizito Kiyingi
The rapid growth of mobile money in East Africa is a phenomenon which has few precedents in the region’s financial and banking history and has far reaching implications on transactions. Four main areas of focus: The history and growth of Mobile Money; The financial sector; Business; and Influence on transactions
Key challenges on Digital Financial Services for MFIsSimon Priollaud
101 on Digital Financial services
Key challenges on Digital Financial Services, Mobile Banking, Branchless Banking, Agent Banking
Roadmap to enter the market
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
International Regulatory Practices for Digital Financial ServicesJohn Owens
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
FINCA’s experience implementing Agency & Mobile Banking in Africa.
Presented by Nathan Were, MCF Project Manager, Africa. To the School of African Microfinance Class of 2015
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Influence of Mobile Money on Transactions in Africa; Focus East AfricaKelvin Kizito Kiyingi
The rapid growth of mobile money in East Africa is a phenomenon which has few precedents in the region’s financial and banking history and has far reaching implications on transactions. Four main areas of focus: The history and growth of Mobile Money; The financial sector; Business; and Influence on transactions
Key challenges on Digital Financial Services for MFIsSimon Priollaud
101 on Digital Financial services
Key challenges on Digital Financial Services, Mobile Banking, Branchless Banking, Agent Banking
Roadmap to enter the market
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
International Regulatory Practices for Digital Financial ServicesJohn Owens
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
FINCA’s experience implementing Agency & Mobile Banking in Africa.
Presented by Nathan Were, MCF Project Manager, Africa. To the School of African Microfinance Class of 2015
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Conférence Social Media Social Club Septembre 2009 présentation Lagardère Int...Alban Martin
Présentation des principales applications iphone du groupe lagardère, ainsi que du volume d'usage: retour d'expérience complet sur le développement des titres et des marques sur le mobile, par Jérome Pérani, Lagardère Interactive
Club E-Tourisme // Les réseaux sociaux, des outils au service de la promotion...Pays Médoc
Club E-Tourisme réalisé avec et pour les prestataires touristiques de Pauillac le 26 avril 2011 sur le thème des réseaux sociaux, pour sensibiliser aux outils des réseaux sociaux que l'on peut mobiliser pour la promotion de ses prestations touristiques.
Veille à suivre sur twitter @mon_etourisme
This report explores the power of mobile technology in providing low income consumers with access to a wide range of financial products that go beyond simple mobile payments. This work, sponsored by the Bill and Melinda Gates Foundation, aimed to look at distribution strategies and second generation mobile microfinance products via pilots in West Africa and South-East Asia. The number of unbanked or underbanked mobile subscribers around the world is projected to reach ~2 billion by 2012. Today, only around 50 million subscribers use mobile money services. Most of these deployments have been focusing on 1st generation mobile money products such as remittances, airtime top-up, bill payments and loan repayment. The transformational impact of mobile money is expected to come from 2nd generation financial services such as micro-savings, micro-credit and micro-insurance, especially in countries with less than 10% retail banking penetration. Both telcos and financial institutions should benefit from the take-up of these products, as they reap expertise from complementary skills and deliver more value to customers. However, the formula for success is not straightforward. Drawing on their on-site experiences in pilots conducted in West Africa and in South-East Asia in the course of 2010, PlaNet Finance and Oliver Wyman explain the challenges in deploying mobile microfinance and offer strategic and operational solutions.
- See more at: http://ec2-54-247-108-110.eu-west-1.compute.amazonaws.com/blogs/branchless-banking/articles/planet-finance-mobile-banking-report#sthash.G58HPykI.dpuf
In order to reduce cash handling cost of banks amongst other objectives, the Central Bank of Nigeria introduced the ‘cashless policy’. The success of this policy hinges on the adoption of alternative payment systems one of which is mobile banking. Thus it is imperative for policy makers and other relevant stakeholders to anticipate and deal with inhibitions surrounding the adoption of mobile banking by bank customers in the country. This study investigates the determinants of mobile banking adoption in Nigeria using a modified version of Technology Acceptance Model (TAM). This incorporates Perceived Risk, Facilitating Conditions and Demographic Characteristics (Age, Gender, Educational Qualification and Income) to Perceived Usefulness and Perceived Ease-of-Use as determinants of Mobile Banking Adoption. We also propose that this relationship is mediated by attitude towards mobile banking adoption. A total of 250 bank customers from the Lagos area were selected and a structured questionnaire was designed and copies distributed to them. Data was analysed using multiple regression and computed using SPSS 20.0 computer application. Results show that Perceived Usefulness, Perceived Ease-of-Use, perceived Risk, Facilitating Conditions, Age, Educational Qualifications and Income significantly determine Mobile Banking Adoption. However, the relationship between gender and Mobile Banking Adoption is not significant. The outcome of this study has some implications to m-banking policy formulation and implementation. It also throws more light into what should be done to improve mbanking adoption rate in Nigeria
The Global Landscape of Digital Finance InnovationsCGAP
More than half of the world’s adult population, nearly 2.5 billion people, remain unbanked. Technology – particularly the mobile phone – has been used in recent years to extend financial services past the limits of bank branches and reach new consumers in traditionally underserved segments. Initial efforts focused on payments but have now grown to include savings, insurance and credit products delivered by digital channels, known as “products beyond payments.” Despite a dramatic expansion in the number of digital financial service deployments, the offering of these financial services are not new services. Rather, they are existing services migrated to a lower-cost digital channel, therefore offering greater scale potential. And even then, use of these channels currently remain low.
This research seeks to accomplish four objectives:
Catalog the ways in which technology, especially mobile, can enhance access or use of financial services
Provide a comprehensive landscape of the latest innovations in digital finance
Consider the current and potential impact of these innovations on financial inclusion
Identify enabling conditions and investments needed to unlock the potential of the sector
Digital Financial Services and Microfinance: State of PlaySonia Arenaza
Therefore, this desk research is intended to fill a knowledge gap in the intersection between DFS and MFI by providing an overview of the uses of DFS, especially with regards to mobile banking, and by answering the following questions:
ﰀ What is the role of MFIs in DFS?
ﰀ Why is there a need for partnerships?
ﰀ What are the benefits for MFIs of implementing mobile banking?
ﰀ What are the most common DFS implemented by MFIs and how are MFIs implementing them?
ﰀ What are the key success factors and challenges?
ﰀ What are the risks to customers in implementing these services?
Builder.ai Founder Sachin Dev Duggal's Strategic Approach to Create an Innova...Ramesh Iyer
In today's fast-changing business world, Companies that adapt and embrace new ideas often need help to keep up with the competition. However, fostering a culture of innovation takes much work. It takes vision, leadership and willingness to take risks in the right proportion. Sachin Dev Duggal, co-founder of Builder.ai, has perfected the art of this balance, creating a company culture where creativity and growth are nurtured at each stage.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Securing your Kubernetes cluster_ a step-by-step guide to success !KatiaHIMEUR1
Today, after several years of existence, an extremely active community and an ultra-dynamic ecosystem, Kubernetes has established itself as the de facto standard in container orchestration. Thanks to a wide range of managed services, it has never been so easy to set up a ready-to-use Kubernetes cluster.
However, this ease of use means that the subject of security in Kubernetes is often left for later, or even neglected. This exposes companies to significant risks.
In this talk, I'll show you step-by-step how to secure your Kubernetes cluster for greater peace of mind and reliability.
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
Transcript: Selling digital books in 2024: Insights from industry leaders - T...BookNet Canada
The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
Essentials of Automations: Optimizing FME Workflows with ParametersSafe Software
Are you looking to streamline your workflows and boost your projects’ efficiency? Do you find yourself searching for ways to add flexibility and control over your FME workflows? If so, you’re in the right place.
Join us for an insightful dive into the world of FME parameters, a critical element in optimizing workflow efficiency. This webinar marks the beginning of our three-part “Essentials of Automation” series. This first webinar is designed to equip you with the knowledge and skills to utilize parameters effectively: enhancing the flexibility, maintainability, and user control of your FME projects.
Here’s what you’ll gain:
- Essentials of FME Parameters: Understand the pivotal role of parameters, including Reader/Writer, Transformer, User, and FME Flow categories. Discover how they are the key to unlocking automation and optimization within your workflows.
- Practical Applications in FME Form: Delve into key user parameter types including choice, connections, and file URLs. Allow users to control how a workflow runs, making your workflows more reusable. Learn to import values and deliver the best user experience for your workflows while enhancing accuracy.
- Optimization Strategies in FME Flow: Explore the creation and strategic deployment of parameters in FME Flow, including the use of deployment and geometry parameters, to maximize workflow efficiency.
- Pro Tips for Success: Gain insights on parameterizing connections and leveraging new features like Conditional Visibility for clarity and simplicity.
We’ll wrap up with a glimpse into future webinars, followed by a Q&A session to address your specific questions surrounding this topic.
Don’t miss this opportunity to elevate your FME expertise and drive your projects to new heights of efficiency.
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Accelerate your Kubernetes clusters with Varnish Caching
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1. The Mobile Money for the Unbanked (MMU) Working Group – Programme Update Mobile Money Summit 2010, Rio de Janeiro
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3. Our Role: MMU is the main knowledge hub for how operators can successfully deploy mobile money Identify mobile money deployments (active or planned) by engaging with operators, vendors and other industry players Understand strengths and challenges , in order to identify how MMU can support and increase the success of the deployment Conduct research into how to overcome the challenges; Develop case studies on existing deployments to understand what has worked / not worked Build a body of knowledge and share research and case studies widely across the industry so that the wider industry can learn from them and increase the success of their own deployments Identify Deployments Review Research Learn Disseminate
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6. MMU Progress - MMU has built a strong portfolio of projects from which we can learn Cameroon Uganda Kenya Tanzania Bangladesh Cambodia Philippines Indonesia Fiji India Sri Lanka Pakistan Afghanistan West Africa Brazil Thailand East Africa MMU Working Group: MMU Fund Portfolio Overview
Welcome to the MMU Working Group. We have over xx of you with us today for the working group, and then the doors open tomorrow to the main event where we’re expecting close to 500 people to attend what will be the GSMA’s 3 rd Mobile Money Summit. So it’s the first time we’re doing it in Latin America .. And we’re very pleased to be here in Brazil. It seemed only fitting that the country which will be hosting the Olympics and the World Cup should also be hosting our Mobile Money Summit, to complete a hat trick of major international events. We’re glad that so many of you could join us in Rio de Janeiro, despite ash clouds, British Airways strikes, and visa office red tape that many of you had to get through to be here. So thanks for coming.
Most of you will be familiar with our goal by now – to provide mobile money services to 20m unbanked consumers by 2012. To stimulate deployments in countries where MM doesn’t already exist, to extend the reach of mobile money, particularly to low income consumers, and to increase the range of financial services offered via mobile, beyond payments.
And how were we going to do that? By working very closely with the industry. We are constantly learning about new deployments, and seeking to understand what works and what doesn’t work within each model in each market. We identify best practice and we do research into key areas where we see operators facing common challenges. We act as a knowledge hub to feed this best practice and research back to the industry, through various means of communication, whether it is our blog, our field visits, our annual report, and also via event such as this one.
So we’ve seen a lot of progress broadly across the industry since we launched our programme at the start of last year. Hopefully you’ve seen our deployment tracker, from which these screenshots are taken. Each red dot marks a country where there is at least one mobile money deployment – 65 live deployments today. Africa is clearly in the lead as the continent with the largest # of deployments. There are fewer live deployments in LatAm, but we know of a number of planned deployments in those markets. And from these deployments, there is a lot that we can learn. So today’s agenda is rich with sessions where you’ll hear what some of these learnings have been. MMU has visited a number of deployments, and we’ve seen several things that operators have done well and some things that we’ve seen be significantly less successful, and Paul is going to present some of these findings today. A selection of technology vendors who have implemented mobile money platforms around the world, will be sharing with us their insights. And the Bill and Belinda Gates Foundation, who are sponsors of our programme, will share with us their perspectives on what it takes to deploy mobile money successfully.
Making MM mainstream was one of MMU’s objectives … whats happening with the other two? In terms of scale, there are now a number of operators who have over 1m customers registered for mobile money. These are impressive numbers, and opeators have worked hard to get customers signed up. But registering customers doesn’t make operators any money –customers have to be actively using the service to create revenues. High rates of registration must be coupled with high rates of activation, and this is one of the challenges that we’re seeing the industry face right now. Our panel today on Customer Activation, we will hear from Oi, MTN Uganda and SMART on what their strategies are to drive customer activation. And we’re seeing an increase in range of services – M-Kesho. Many of the operators in our portfolio are doing this, Oi, Zap, Telenor, Safaricom, etc. Panel on beyond P2P. Important to get the Value proposition right – how customers use their phones, what their financial services needs are, in order to design a service that customers will use and will be successful. Customer insights presentations.
Of these 150+ deployments, MMU is working very closely with 20 of them as our grantees. Our grant from the Gates Foundation included a 5m USD fund, to provide sub-grants to operators, in order to run innovative mobile money projects from which the rest of the industry could learn. We are announcing this week who these operators are, and what we are looking to learn from them. Neil Davidson, who manages the grantee portfolio, will present later today on the latest set of grantees to join the portfolio.
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