1.
Washiro Team
Team: Slavey, Judah, Wendy, and Luka
Develop Persona
Name:​ Mama Washiro
Age:​ 41 yrs
Marital status:​ Single
Residence:​ Kibera, Olympic Nairobi
Educational Background:​ Basic level
Financial Status:​ Illiterate
Children:​ 5 children
Brainstorming Interview Questions
We had brainstormed persona interview questions then reframed to be open questions.
By interviewing the team members to refine the questions before go to the field.

2.
Interview
We manage to interview 5 People in the field, where ​three​ were mama mboga and ​two​ Baba
Mboga.

3.
Quotes from the Interviews:
❖ Smartphones are for youths.
❖ I have no time to keep inventories.
❖ In every Business you have to take a risk. Without taking risks you are not entitled to be in
any business.
❖ M­pesa is our life.
After Field Research Session
We analyse the findings in the Ideation stage from the Mama Mboga point of view on their
businesses, we collected all statements according to interview questions answered by the
Mama Mboga.

4.
Data visualization: Resource map
This is where we mapped out the cash in and cash out of the persona (​Washiro​).
Cash In Cash Out Recurring
Sales Chama
contribution (200/­
per day)
Stock (Daily)
Friends and family
contributions
Insurance, NHIF
(Kshs. 350 per
month)
Profit
Loan (Business
expansion/ 70k)
Loan for business
expansion (Kshs.
6,000 per month)
Loan
Chama
contribution
(Kshs.14,000 once
in around)
Loan for school
fees (Kshs.
70,000)
Credit to
customers
Taxes (Daily Kshs
20)
Food expenses in
Chama (Kshs. 450)
Rent (Kshs. 1,000
per month)

5.
Data Visualization: Thematic Clustering
This is where we create themes from the data collected in the interview.
In this stage we came up with 5 themes which are:
● Financial literacy
● Business management
● Technology
● Customer relation
● Taxation
And in the Financial literacy we had sub themes which are:
● Savings and loans
● Insurance
● Record keeping
Refining Problem, Opportunity and Hypothesis Statements

6.
In this stage we agreed to the:
● Problem statement that:​ People can’t access basic financial services because they are
invisible ​to service providers.
● Opportunity:​ How might we make Mama Mboga​ visible​ and trustworthy to financial
service providers?
● Hypothesis:​ Make a smartphone app that gathers data to make a digital profile of Mama
Mboga. In these stage we had a lots of brainstorms which include:
❖ Create a platform for current prices and updates in the market.
❖ Inventory tracking app.
❖ Training them to make and join Chamas that create trust between them and
the financial institutions.
❖ A record keeping app that records voice hence making it easy to keep
records.
❖ An app that analyses business ideas and their possibilities of blossoming,
also the amount of capital needed to start that. (Business plan app).
❖ Provide cheap smartphones.
❖ Hold workshops teaching them:

7.
➔ On how to use smartphones for technology updates and
internet access.
➔ On customer relationship skills for their business prosperity.
➔ About national record keeping through competition.
➔ On financial literacy and its importance.
➔ More about business related Apps.
➔ On how to keep track of records and encourage them on how.
Solutions
After refining the hypothesis brainstorming, we come up with two defined solutions.
1. App
Features:
❖ Book keeping/inventory tracking website, where Mama mboga can
enter their daily profit and losses. Commodities web pages which
shows the product price in the market.
❖ App that can track number of customers per day by filling on the
tracking form.
❖ App that records taxes paying to the county government.
2. Workshops
Features:
● Train Mama Mboga on how to use the App.
● Educate them more about records keeping.
● Train them on how run their chamas effectively.
● Train them about management services e.g. loan.
Brainstorm Solutions

8.
In this section this is where we brainstorm a solution to our problem, the challenge being ;
● To create a solution that ​addresses​ a real need.
● A solution that has clear motivation.
● A solution that builds from existing ​habits​ and mentally model.
● A solution that uses existing tools.
Team Members Quotes from the HCD Project
“​Through this HCD process I realize that in the field, many Mama Mboga out there have
encouraging business model that luck only financial literacy. So we need to create tools that help
them digitized their businesses cash in and cash out flow” ​Luka Sopia​.