0804 Idlo Chennai

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Presentation given April 4, 2008 to IDLO participants at a workshop in Chennai, India.

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0804 Idlo Chennai

  1. 1. Social Media: Uses in Microfinance (Real and Potential) IDLO Microfinance Project Chennai, April 4, 2008 Jerry Michalski
  2. 2. Who’s speaking <ul><li>1987-1998 as a technology industry analyst </li></ul><ul><ul><li>Avocation  vocation </li></ul></ul><ul><ul><li>Identifying trends </li></ul></ul><ul><ul><li>Bridging business, society and tech </li></ul></ul><ul><ul><li>Famous boss (Esther Dyson) </li></ul></ul><ul><li>1998-now: independent consultant </li></ul><ul><ul><li>“ Guide to the relationship economy” </li></ul></ul><ul><li>Raised in Peru and Argentina </li></ul><ul><li>Champion for ordinary people </li></ul>
  3. 3. Important context <ul><li>The dominant worldwide platform: </li></ul><ul><li>Today: </li></ul><ul><ul><li>Calls, SMS, Web </li></ul></ul><ul><ul><li>Remittances ( G-Cash ) </li></ul></ul><ul><li>Soon: </li></ul><ul><ul><li>Pictures </li></ul></ul><ul><ul><li>Video </li></ul></ul><ul><ul><li>Your bank </li></ul></ul><ul><ul><li>Much more </li></ul></ul>Sullivan: You Can Hear Me Now: How Microloans and Cell Phones are Connecting the World's Poor to the Global Economy Ask Aslam!
  4. 4. Our workshop’s “tag” is… IDLO2008Chennai
  5. 5. I’m using it already <ul><li>Memorable (yet private) </li></ul><ul><li>Short </li></ul><ul><li>Unique </li></ul><ul><li>No permission needed </li></ul>Photos on Flickr Links on del.icio.us Videos on YouTube
  6. 6. What we’ll cover <ul><li>What is social media? </li></ul><ul><ul><li>Web 1.0, 2.0 (3.0?) </li></ul></ul><ul><ul><li>More than a technological shift </li></ul></ul><ul><li>What opportunities does it offer? </li></ul><ul><ul><li>Fit with microfinance </li></ul></ul><ul><ul><li>What organizations are doing </li></ul></ul><ul><ul><li>What is now possible </li></ul></ul>
  7. 7. Web “1.0” <ul><li>Web pages/sites </li></ul><ul><li>Weblogs </li></ul><ul><li>Wikis </li></ul><ul><li>Email, mailing lists </li></ul><ul><li>Instant messaging </li></ul>
  8. 8. Weblogs <ul><li>Component parts </li></ul><ul><ul><li>Posts </li></ul></ul><ul><ul><li>Permalinks </li></ul></ul><ul><ul><li>Comments </li></ul></ul><ul><ul><li>Blogroll </li></ul></ul><ul><li>Useful microfinance blogs </li></ul><ul><ul><li>MicroCapital.org </li></ul></ul><ul><ul><li>Acumen Fund blog </li></ul></ul>Newest Post Blogroll Title
  9. 9. Wikis <ul><li>“ Wiki-wiki” means “quick” in Hawaiian </li></ul><ul><li>Group editable websites </li></ul><ul><ul><li>Make page links [like this] </li></ul></ul><ul><li>Four examples </li></ul><ul><ul><li>Wikipedia (e.g., its page on microfinance ) </li></ul></ul><ul><ul><li>TaxAlmanac.org (Intuit) </li></ul></ul><ul><ul><li>BarCamp.org (“unconferences”) </li></ul></ul><ul><ul><li>A site I set up for you (on a free service) </li></ul></ul>
  10. 10. Web 1.0 communication tools <ul><li>Email, mailing lists </li></ul><ul><li>Instant messaging (IM) </li></ul><ul><li>Voice over IP (VoIP) </li></ul>
  11. 11. Web “2.0” <ul><li>More interactive </li></ul><ul><li>More connected </li></ul><ul><li>More social </li></ul><ul><li>More open </li></ul><ul><li>More complicated and unpredictable </li></ul>
  12. 12. Media sharing <ul><li>Photo sharing: Flickr (now part of Yahoo) </li></ul><ul><li>Video sharing: YouTube (now part of Google) </li></ul><ul><li>Link sharing: del.icio.us (now part of Yahoo) </li></ul><ul><li>Document sharing: Google Docs </li></ul><ul><li>Library sharing: Shelfari </li></ul><ul><li>Event calendars: Upcoming (Yahoo also) </li></ul><ul><li>… almost anything you can think of </li></ul><ul><li>Two key features: tagging and social networking </li></ul>
  13. 13. Social networking sites <ul><li>All the sites on the previous page </li></ul><ul><li>Facebook </li></ul><ul><ul><li>One person’s profile </li></ul></ul><ul><ul><li>And thousands of Facebook “apps” </li></ul></ul><ul><li>MySpace </li></ul><ul><li>Bebo </li></ul><ul><li>Hundreds of others </li></ul>
  14. 14. “ Mashups” <ul><li>HousingMaps.com </li></ul><ul><li>ChicagoCrime.org ( arson ) </li></ul><ul><li>digglicious (Digg + del.icio.us) </li></ul><ul><li>ProgrammableWeb </li></ul>
  15. 15. New communication tools <ul><li>“ Nanoblogging” </li></ul><ul><ul><li>Twitter </li></ul></ul><ul><li>Lifestreaming </li></ul><ul><ul><li>FriendFeed ( mine ) </li></ul></ul><ul><li>Web conferencing </li></ul><ul><li>Facebook’s mini-feed </li></ul>
  16. 16. And more <ul><li>How-to </li></ul><ul><ul><li>5min Life Videopedia </li></ul></ul><ul><ul><li>Howcast </li></ul></ul><ul><li>Where to? </li></ul><ul><ul><li>PickupPal </li></ul></ul><ul><ul><li>IsAnyoneGoingTo </li></ul></ul><ul><li>Market makers </li></ul><ul><ul><li>CellBazaar </li></ul></ul><ul><ul><li>Tradenet </li></ul></ul>
  17. 17. All add up to… <ul><li>An “ architecture of participation ” </li></ul>
  18. 18. Not just a technology shift <ul><li>Assume good behavior </li></ul><ul><ul><li>Let community fix bad behavior </li></ul></ul><ul><li>Costs have plummeted </li></ul><ul><li>Power has shifted </li></ul><ul><li>Emphasis on </li></ul><ul><ul><li>Social </li></ul></ul><ul><ul><li>Open </li></ul></ul>
  19. 19. Openness: a framework <ul><li>Open Source </li></ul><ul><li>Open Content </li></ul><ul><li>Open Process </li></ul><ul><li>Mix and match </li></ul>
  20. 20. Mobs or collective intelligence? <ul><li>Mackay (1841): … the Madness of Crowds </li></ul><ul><li>Hardin (1968): The Tragedy of the Commons </li></ul><ul><li>Shirky: Here Comes Everybody </li></ul><ul><li>Tapscott: Wikinomics </li></ul><ul><li>Surowiecki: The Wisdom of Crowds </li></ul><ul><li>Rheingold: Smart Mobs </li></ul><ul><li>Benkler: Sharing Nicely </li></ul>
  21. 21. Persistence
  22. 22. All the stakeholders <ul><li>Other int’l resources </li></ul><ul><li>UN, NGOs, etc. </li></ul><ul><li>Volunteer corps </li></ul><ul><li>Global idea banks </li></ul><ul><li>Supranational movements </li></ul><ul><li>Government ministries </li></ul><ul><li>Finance </li></ul><ul><li>Development </li></ul><ul><li>Central bank </li></ul><ul><li>Women’s rights </li></ul><ul><li>Global market makers </li></ul><ul><li>Kiva </li></ul><ul><li>MicroPlace </li></ul><ul><li>Etsy </li></ul>Asia Europe The Americas Africa IDLO MNCs (banks) Apex Orgs (funds, accel.)
  23. 23. And more MFIs <ul><li>Their Families </li></ul><ul><li>Health </li></ul><ul><li>Education </li></ul><ul><li>Knowledge </li></ul><ul><li>Bias/access </li></ul><ul><li>Housing </li></ul><ul><li>Remittances </li></ul><ul><li>Their Markets </li></ul><ul><li>Demand </li></ul><ul><li>Logistics </li></ul><ul><li>Coordination </li></ul><ul><li>Intermediaries </li></ul>Asia Europe The Americas Africa IDLO MNCs (banks) Apex Orgs (funds, accel.) Borrowers Lending Circles
  24. 24. Questions? Jerry Michalski [email_address] www.sociate.com +1 (415) 465-0256
  25. 25. Google Popdex Technorati Feedster The Blogosphere Wiki (1995) A Map Personal Home Pages Justin Hall (1994) Weblogs (1997) Search Engines RSS Feeds RSS Aggregators Ward Cunningham Other services Flickr del.icio.us Google Maps Mashups CamelCase CamelCase
  26. 26. A map of the trends

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