Workshop: Location matters – GIS in financial inclusion, Johannesburg, South Africa. David Taylor, usabledata.

1. usabledat
usabledata
Tanzania’s use of Spatial Data to Increase
Financial Inclusion since 2012
Methodology and Use Cases

2. Methodology…

3. Data Collection Methodology:
FSDT Managed a Financial Access Point Census of:
 Commercial Banks
 Community Banks
 Bank Agents
 Mobile Money Agents
 ATMs
 Microfinance Institutions
 SACCOS
 Post Offices
 Point of Sale
 3rd Party Payment Providers

4. Commercial Bank Infrastructure
Sites: 617

5. Community Bank Branch InfrastructureCommunity Bank Infrastructure
Sites: 37

6. ATM InfrastructureATM Infrastructure
Sites: 965

7. Microfinance InfrastructureMicrofinance Infrastructure
Sites: 246

8. Mobile Money Agents 2013Mobile Money Agents
Sites: 45,420

9. SACCOS 2013SACCOs
Sites: 1,171

10. Point of Sale 2013Point of Sale and 3rd PPP

11. Population Distribution
0 – 49 People per km2
Over 200 People per km2
50 – 99 People per km2
100 – 199 People per km2
Population Distribution

12. Data Collection Methodology:
Data Collection Methodology:
 Data was collected on:
 Locations
 Services Offered
 Transaction Volumes
 Owner Operators
 Photos
 This was done in 2012 and 2013/14

13. Strategic Sector Analysis - Coverage…

14. Analysis Step 1: Layering Points on Top of
Population Density

15. Analysis Step 2: Extracting Population Served

16. 100% of the Population lives within 5km of a
Mobile Money Agent
Area within 5km
of a Bank Branch
Area within 5km
of a Mobile Money
Agent
% of pop within 5km of a bank branch

17. 95% of the Population lives within 5km of a bank branch
10
41
06
% of pop within 5km of a bank branch

18. % of Population within 5km of a Mobile Money
Agent
40
65
37
45
% of pop within 5km of a mobile money
agent

19. Sector Support Activities:
 Workshops and presentations to Financial Sector
Stakeholders and the Central Bank of Tanzania
highlighting how spatial data can be used to increase
financial access
 Training in spatial analysis and data presentation for
representatives of:
 Central Bank
 Commercial Banks
 MNOs

20. Sharing the Data:
 Working with people at their own level:
 Excel
 KML / Google Earth
 Shapefiles
 Development of an open, public website to encourage
use of the data

21. Access Point Mapwww.financialaccessmaptz.com

22. Access Area Mapwww.financialaccessmaptz.com

23. Explore the Datawww.financialaccessmaptz.com

24. CASE STUDY: Why Market Expansion doesn’t
always lead to improved Financial Access…

25. All Mobile Money Agents

26. All Mobile Money Agents

27. Agents taking over 25 deposits / day

28. Agents taking over 50 deposits / day

29. Successful Agents on the edge but
not within really low income areas

30. Successful Agents on the edge but
not within really low income areas

31. CASE STUDY: Using GIS to understand your market
and deliver them what they want, not what you
think they want…

32. All Mobile Money Agents

33. Agents taking over 25 deposits / day

34. Agents taking over 50 deposits / day

35. Up and coming middle class area

36. Agents following major roads

37. Interesting Groupings of Agents

38. 11 Agents within 100 radius, highest
transaction rates in the city
11 Agents within 100 radius, highest
transaction rates in the city

39. CASE STUDY: Using Spatial Data to set KPI’s for
Financial Inclusion

40. Regional Centre
Town
Town
How far do you have to go from a bank before a
bank agent starts serving an unserved population?

41. Regional Centre

42. Regional Centre – 10km

43. Regional Centre– 10km

44. District Town – 5km

45. District Town – 5km

46. District Town – 5km

47. The Power of Outliers, why you should love your
outliers instead of throwing them out…

48. Mobile Money Agents

49. Agents with no people and far from a
bank?

50. It still looks like there are no people

51. A new town and potential answers…

52. Layering: Looking beyond your own data…

53. Population Density
Population density
worldpop.org

54. National Parks and Game Reserves
Population density
Game Reserves

55. Rural Urban Divide
Global Rural Urban
Map Project

56. Per Capita GDP
National Bureau of
Statistics Tz (2011)
Over 1.5 Million Tsh
Around 1 Million Tsh
Between
600,000 and 1
Million Tsh
Under 600,000 Tsh

57. Electricity Use
NASA
Lights at night

58. Electricity Use

59. Sustainability: The problem of addresses…

60. SHARING:
To create an ecosystem someone has to go first…

61. Universal addressing solution which
makes it
easy for people to communicate
precise location

62. 3 x3 metre grid of the world
57 trillion squares
A unique 3 word address for each

67. Potential for exploiting geo-referenced unique
identifier:
 Service Provider Addressing
 Customer Addressing
 Allows follow up attribute data collection by phone
 Provides standard addressing for location of new points

68. Ahmed’s Proverb:
Give a man a fish and he’ll eat for a
day…

69. Ahmed’s Proverb:
Give a man a fish and he’ll eat for a
day…
Teach him to play with data and he’ll
always be hungry

70. Contacting us
If you’re interested in finding out more about our services
and how you can turn data into a usable, useful, powerful
tool for your business please drop us a line at:
enquires@usabledata.co