MobileActive.org

In this paper we argue that mobile banking offers the opportunity to diminish the financial exclusion suffered by the poor by offering access to credit and to savings which are key tools capable of transforming the livelihoods of the poor as well as the efficiency of the market. However, mobile phones need a complete ecosystem that supports its application to a functioning mobile banking service.

The aim of this paper is to contribute to existing knowledge of mobile money across the value chain by providing insight into the mechanisms of m-money, the value propositions within the business of m-banking and what is preventing its swifter adoption and usage in the developed world. We develop a taxonomy of the key drivers of the business model which provides insights for assessing the replicability of these models in other countries. We focus on models developed in Kenya and the Philippines and explore what is lacking for a widespread adoption in Latin American countries, such as Mexico, in order to observe what is preventing the creation and usage of m-money models for the BoP.

This report for mHealthEd 2011 at the Mobile Health Summit focuses on the effectiveness of mHealth Education applications, analyzing at length the first wave of projects and the steps to be taken into consideration for further initiatives.

The first wave of mHealthEd applications for health workers – most introduced within the last 4 years and some of which are 7 presented in this report – include ones which enable workers to learn new treatment procedures, test their knowledge after training courses, take certification exams remotely, look up information in medical reference publications, and trade ideas on crucial diagnostic and treatment decisions. It is too early to test for impacts on health outcomes, but projects suggest that mHealthEd applications are improving the provision of care and levels of knowledge. Improved training can also increase job satisfaction and reduce attrition rates for healthcare workers.

This paper uses data from nationally representative household survey conducted in 17 African countries to analyse mobile adoption and usage. This paper shows that countries differ in their levels of ICT adoption and usage and also in  factors that influence adoption and  usage. Income and education vastly enhances mobile adoption but gender, age and membership in social networks have little impact. Income is the main explanatory variable for usage. In terms of mobile expenditure the study also finds linkages to fixed-line, work and public phone usages. These linkages need however be explored in more detail in future. Mobile expenditure is inelastic with respect to income, ie the share of mobile expenditure of individual income increases less than 1% for each 1% increase in income. This indicates that people with higher income spend  a smaller proportion of their income on mobile expenditure compared to those with less income. 

The study provides tools to identify policy intervention to improve ICT take up and usage and define universal service obligations based on income and monthly usage costs. It help to put a number to what can be expected from lower access and usage costs in terms of market volume and number of new subscribers. Linking this to other economic data such as national household income and expenditure surveys and GDP calculation would allow to forecast the economic and social impact of policy interventions. Concrete recommendations are being made for policy interventions and regulatory measures to decrease access and usage costs.

This paper aims to explore the use and impact of mobile telephony on the performance of companies in developing countries through a nationwide survey comprised of thousands of enterprises representing a true sample of the business sector in Palestine. This paper complements studies that make the linkage between mobile communications and economic activities at micro or enterprise level. It analyses the adoption patterns and rational behind these patterns as revealed by the business owners and managers of Palestinian enterprises.Porter’s value chain is used as a framework to assess the impact of mobile telephony in work processes.

The survey covered thousands of enterprises of all sizes and economic activities,selected to embody a representative sample of the Palestinian business sector. It further explores the views of the owners and managers of these enterprises regarding the use of ICTs.The study reveals that mobile phones have meaningfully enhanced internal processes and the overall value chain. Most notably, mobile phones were effective in bridging the information and connectivity gap businesses in developing countries ordinarily suffer.

The study has also found that small and micro enterprises gain from the use of mobiles the same as what large enterprises do, especially in mainstream operations like marketing and sales, information flow, and provision of customer services. This is happening at the time when there is a huge difference in resources between the two categories of enterprises. The study came to conclude that mobile benefits are not favoring one business sector from the other, in the sense that all business sectors are capable of tailoring mobile phone services to suit their needs

Pulitzer Prize-winning journalist Nicholas Kristof argues that “in this century the paramount moral challenge will be the struggle for gender equality around the world.” In this paper, we present a design model for empowering low income women in the developing world, in ways that cut across individual application areas. Specifically, this model characterizes a possible trajectory for NGOs and women to engage with each other and among themselves – potentially augmented by technology – to help women escape from poverty.

The fieldwork components in this study took place over 15 weeks in three phases, with a total of 47 NGO staff members and 35 socio-economically challenged women in rural and urban India. Interviews and co-design sessions with seven proof-of-concept prototypes showed that women appeared to belong to five distinct stages of “growth” in striving towards independence. We report the technology design lessons from our co-design sessions to illustrate how user readiness, relationship building at the community and family levels, and integration with state, national and international level programs, should be taken into account in the broader context of intervention design.