Issue16 the Other Tech Revolution

8/3/2019 Issue16 the Other Tech Revolution

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EYOND PROFIT E-MAGAZINE ISSUE 16|Apri 21 May 4, 2011

Harnessing mobile money for developmentHow to make rural India self-sustainable

Taking technology to the masses

revolution

other

techthe
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3ISSUE 16 | Apri 21 - May 4, 2011 | www.beyondprofit.om

T E c h N O l O G Y F O R D E v E l O P M E N T cONTENTs

cOvER sTORYMobie pone ae been abe to rea area of deeoping

ontrie tat oter tenoogie ae not beae of te pre-

paid mode. see ow ti an be ed for deeopment.

FAcE-TO-FAcEBeyond Protpoke to harva Fonder and cairman Ajay

catredi abot arneing ae for ef-tainabiity in

rra India.

TOP 5Mobie money i een by many a a way to eapfrog traditiona

banking and provide billions access to nance. See ve

ontrie tat are eading te way.

DATAhow are tenoogy ae and aaiabiity anging sot

Aia? A ook at Internet age in India and mobie pone

ae in Bangade.

cAsE sTuDYMiion of infant die of ypotermia a year, bt a traditiona

inbator an ot p to us$20,000. Embrae pan to an

a warmer tat ot jt 1% of ti.

sPOTlIGhTIndia uID initiatie aim to oet demograpi data of it

reident and proide tem wit proof of identity, bt it an

ao proide a great tarting point for mobie money.

EYE ONsameer sega, fonder and cEO of Artoo, expain wy ig-

end tenoogy, a te iPone, doent ae to jt be

for te ri. In fat, tenoogy an aid deeopment.

06

08

09

10

12

13

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4 ISSUE 16 | Apri 21 - May 4, 2011 | www.beyondprofit.om

T E c h N O l O G Y F O R D E v E l O P M E N T cOMMENT

Managing Editor

Tanmaya Nanda

Editorial Team

Abby caardNia Kmar Kkarni

Marketing ManagerRitika Ranjan

Typesetting

hNh!digita

Publisher

Inteeta capita Adiory seriePt ltd (Inteeap)512, Pam spring, Near D-Mart,link Road, Maad (W)Mmbai 400 064, India

For contributions, email:

[email protected]

To subscribe:Log on to:www.beyondprot.com Call: +91 22 4035 9222

For marketing and advertising:

Email:[email protected]: +91 22 40359205

For more information, iit:www.beyondprot.com

Disclaimer

The views and opinions expressed by the authorsare not necessarily those of Intellecap, and they

assume no responsibility for the same.

All rights reserved throughout the world.

Reproduction in any manner is prohibited.

coer Poto:Top Rigt Image: IFAD/Pabo corra vegaMain Image: IFAD/Mwanzo Miinga

IFAD Firt Mie Projet work wit ma-aefarmer, trader, and food proee in proidingImproed information tenoogy for te aringof market inteigene and ae.

Dear Reader,

For mot of modern itory, tenoogy a been te key differentiator between na-

tion tat propered and te one tat didn't. Nation tat innoated and beame eary

adapters of scientic advances saw their economies grow, ensuring better services

and iing tandard for teir itizenry.

Inreaingy, oweer, oia entreprener are ing tenoogy to proide er-

ie to te nderered. Ti ie ofBeyond Protook at ow tenoogy i being

ed for deeopment, partiary of mobie pone to deier erie in ome of te

word pooret part.

In te oer tory Top up Te Word, Abby caard report on te penomenon of

ing te pre-paid mobie pone mode to proide erie a ean energy and

water in India and Kenya. Indeed, a reent report qoted in te tory note tat more

peope in te word today ae ae to a mobie pone tan to an eetria grid,

and tat mot peope wit a mobie pone ant get eatare erie.

In or Data etion, Nia Kmar Kkarni anayze nmber from Bangade

tat ow tat a women in a reent rey reponded faoraby to being abe to a-

e media adie oer a pone. Wat more, te opportnity to eerage teno-

ogy for deeopment remain at. In India, for exampe, Nia point ot te nmber

of rra Internet er in India i projeted to amot dobe by te end of 2011.

Ao, sameer sega, te fonder of Artoo, te abot ow i ompany ep

micronance companies keep interest rates low by using cloud technology to cut costs

instead of prot.

We wod oe to ear from yo abot inpiring te-drien deeopment yo ae

een at work. Write to , oriit onine or foow on Faebook and Twitter.

Tanmaya Nanda

Managing Editor

editorsletter
http://www.beyondprofit.com/http://www.hnhdigital.com/mailto:[email protected]://www.beyondprofit.com/mailto:[email protected]://www.beyondprofit.com/mailto:[email protected]://www.beyondprofit.com/http://www.facebook.com/BeyondProfithttp://twitter.com/beyondprofit/http://twitter.com/beyondprofit/http://www.facebook.com/BeyondProfithttp://www.beyondprofit.com/mailto:[email protected]://www.beyondprofit.com/mailto:[email protected]://www.beyondprofit.com/mailto:[email protected]://www.hnhdigital.com/http://www.beyondprofit.com/


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T E c h N O l O G Y F O R D E v E l O P M E N T cOvER sTORY

For those at the bottom ofthe pyramid, income is not a

certain entity. No xed amount is

deposited into their bank accounts should those even exist at theend of the month. Their income ischangingfrom month to month,week to week, even day to day.

Which begs the question: if aborrowers cash ow is so uncertain,why do so many companies attempt-ing to serve that demographic insiston xed repayment amounts?

At least one technology, inventedin the 1990s, attempted to workaround that problem: pre-paid

mobile services that allowed peoplewith variable incomes and/or poorcredit to use cell phones. Such con-sumers made an upfront payment ofonly as much as they could afford inreturn for wireless services.

Because of the low affordabilityfactor, mobile phones have perme-ated poor communities in waysthat other technologies say, email have been unable to. A Febru-ary 2011 report from theWorld

Economic Forum and the mHealthAlliance titled Amplifying theImpact: Examining the Intersec-

tion of Mobile Health and MobileFinance noted that more peoplecurrently have access to a mobilephone than to either clean water or

the electrical grid. It also pointedout that by 2012, 1.7 billion peoplewho have access to a mobile phone

will have no bank account, and ofthat number, a billion will also nothave access to healthcare.

The success of pre-paid mobilephones is now making its way intothe development world as companiespiggyback on the reach of such wire-less access to provide other services.

What technology is enabling

mobile phones includedis forpeople increasingly to be at the

center of aid and development work.

Rather than looking at these popu-lations as passive beneciaries, mo-bile technology is creating a vehicle

for them to share what their needsare, to prove ideas, and to becomeactive stakeholders, says Adele

Waugaman, Director of TechnologyPartnerships at the United NationsFoundation, which in 2005 enteredinto a 15 million (US$24.3 million)

partnership to harness the powerof technology, mobile technology inparticular, to support and strength-en humanitarian work.

According to Menekse Gencer,founder ofmPay Connect, a consult-ing practice that advises companiesand governments looking to set upmobile money systems, mobile moneytakes the friction out of the econo-my and out of these peoples lives.

(It) creates all of the things

that we in the developed worldhave and gives people the opportu-

nity to focus on productive things

Prepaid mobie poneerie are reaingmarket tat oter te-

noogie ae not yetbeen abe to penetrate.how an ti mode beeeraged in oter areaof deeopment?

By Abby caard

topuptheworld

Yong boy e teir mart ard to ae ean water.

Grndfolifeink
http://www.beyondprofit.com/http://mhealthalliance.org/mhealthmfinancereporthttp://www.weforum.org/http://www.weforum.org/http://www.google.com/url?sa=t&source=web&cd=1&ved=0CBsQFjAA&url=http%3A%2F%2Fwww.mhealthalliance.org%2F&rct=j&q=mHealth%20Alliance&ei=MnmlTYXzJcrSrQeh5oneBA&usg=AFQjCNHrCQ-RJxsKFmfBMvHbwz9XS-CLyA&cad=rjahttp://www.google.com/url?sa=t&source=web&cd=1&ved=0CBsQFjAA&url=http%3A%2F%2Fwww.mhealthalliance.org%2F&rct=j&q=mHealth%20Alliance&ei=MnmlTYXzJcrSrQeh5oneBA&usg=AFQjCNHrCQ-RJxsKFmfBMvHbwz9XS-CLyA&cad=rjahttp://www.mpayconnect.com/http://www.mpayconnect.com/http://www.mpayconnect.com/http://www.google.com/url?sa=t&source=web&cd=1&ved=0CBsQFjAA&url=http%3A%2F%2Fwww.mhealthalliance.org%2F&rct=j&q=mHealth%20Alliance&ei=MnmlTYXzJcrSrQeh5oneBA&usg=AFQjCNHrCQ-RJxsKFmfBMvHbwz9XS-CLyA&cad=rjahttp://www.google.com/url?sa=t&source=web&cd=1&ved=0CBsQFjAA&url=http%3A%2F%2Fwww.mhealthalliance.org%2F&rct=j&q=mHealth%20Alliance&ei=MnmlTYXzJcrSrQeh5oneBA&usg=AFQjCNHrCQ-RJxsKFmfBMvHbwz9XS-CLyA&cad=rjahttp://www.weforum.org/http://www.weforum.org/http://mhealthalliance.org/mhealthmfinancereporthttp://www.beyondprofit.com/


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T E c h N O l O G Y F O R D E v E l O P M E N T cOvER sTORY

rather than administrative bur-dens, says Gencer, who authoredthe WEF-mHealth Alliance report

released earlier this year.One of the more common ways

this technology is used is through

the ubiquitous top up cards that

customers use to recharge or addmoney to their existing accounts,Gencer says. These incrementscan then be used as a surrogate forother forms of payments.

In apilot project in Tanzaniathat aims to reduce supply short-ages of anti-malaria medication,

pharmacists were offered free air-time minutes for reporting inven-tory information through SMS. Atthe end of the six-month test phase,the stock-out rate was reduced from96% to 6%, thus allowing 300,000more people to access medication.

Simpa Networks

Gencer also serves on the advisoryboard of another organization thatuses pre-paid technology to allow

the urban poor in Bangalore, In-dia, to access affordable solar homesystems. Simpa Networks useswhat they call a progressive pur-

chase technology to stretch out

the price of a solar home system.The repayment mimics the top-

up model: consumers make a downpayment for the system and thenpay for usage using top-up cardsthat are similar to mobile phonerecharge cards until the unit is

fully paid for.

Were building off the back ofcell phone pricing models, co-found-er Michael MacHarg toldBeyond

Proft. The general model, peoplekind of get it. You pay for the service;

youll see what you owe. Youll ownthe system once you pay it down.

But the key is in the technology.Simpa has developed a regulatorthat can shut off the solar homesystem when the energy creditsrun out, just like a mobile phone

when the top-up is exhausted.When customers purchase morecredits, they send a code along with

their systemidenticationnumber to the

company, whichsends them acode that can be

used to turn the

system back on.MacHarg

says Simpapurposely madethe regulator

fairly simpleeffectively justa switchas

to not add tothe cost of thesystem. All ofthe intelligence, he says, is in therevenue management system thatshosted in the cloud.

We have to make it as easyas buying kerosene and as easy

as buying a top up for your cellphone, he says.

Simpa is currently running apilot with SELCO Solar Pvt Ltd in

the Basaveshwara Nagar area ofBangalore, targeting migrants fromGujarat who use the power to manu-facture cricket bats in their homes.

Lifelink

Another project that uses similartechnology is Lifelink, an initiativeof leading Danish pump manufac-turer Grundfos. The company islooking for a sustainable solution tothe clean water issue and is using

micropayment technology to allow

customers to buy clean water.Customers send money through

their mobile banking accounts toSafaricom, Grundfos partner inKenya, and the money is convertedinto water credits. The customerssmart card is then loaded with thosecredits that they can exchange at theLifelink station for clean water.

What differentiates this modelis the station itself is fully ownedby the local community, which also

decides the tariff, typically 2-3 shil-lings (US$0.024-0.036) for 20 liters.

The prot is deposited into a

community bank account and paysfor the service agreement withGrundfos who takes care of generalmaintenance and emergencies.The leftover prot is distributed tomembers of the community.

That prot we can send back tothe communities using the smartcard technology, Peter Todbjerg

Hansen, Managing Director ofGrundfos Lifelink, toldBeyondProft. We are sending the moneyback to each individual familyand bypassing the traditional way.There is no money disappearing.

Other Applications

Simpas MacHarg sees the applica-tion of the micropayment technol-ogy in many areas.

You start to see any of the basicneeds could use this technology, he

says.One ideamerely that at this

pointis using the regulator and

prepaid technology for liqueedpetroleum gas (LPG). Many peoplecannot afford a gas cylinder, buta model that would allow themto pay a down payment and thenpurchase the system over timeusing the Simpa model could work,MacHarg says.

And even though applications of

the top-up model are fuzzy at thispoint, what is clear is that mobiletechnology is here to stay. bp

simpa teted teir tenoogy wit a riket-bat-making ommnity in Bangaore.

simpaNetwork
http://www.beyondprofit.com/http://www.rollbackmalaria.org/psm/smsWhatIsIt.htmlhttp://simpanetworks.com/http://simpanetworks.com/http://www.selco-india.com/http://www.selco-india.com/http://www.grundfoslifelink.com/index.htmlhttp://www.grundfoslifelink.com/index.htmlhttp://www.grundfos.com/http://www.grundfos.com/http://www.grundfos.com/http://www.grundfoslifelink.com/index.htmlhttp://www.selco-india.com/http://simpanetworks.com/http://www.rollbackmalaria.org/psm/smsWhatIsIt.htmlhttp://www.beyondprofit.com/


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T E c h N O l O G Y F O R D E v E l O P M E N T FAcE-TO-FAcE

What does HarVa do?

HarVais a unique and rstof its kind rural enterprise

focused on all women rural XPOs(including BPOs, LPOs, KPOs andMPOs), student helpdesks, medicalhelpdesks, community farming andrenewable sources of energy. Ourmission is to create value in ruralIndia where little or none exists.The eventual goal is to be able to

create value and then harness itrather than basing growth com-pletely on selling.

What is the HarVa business

model and what makes it unique?

The business model is unique sinceit focuses on value creation in ruralIndia. We employ the people whoneed it the most and are unableto get similar opportunities. (Our)major focus over the past decadehas been on tapping the potential of

rural India by tapping into the buy-ing potential of the people. Wherethere was no potential was enabled

by a micronance loan. However,little has been done to create the

much-needed value based on annu-ity income for rural folk.

How does HarVa see itself as mak-

ing an impact and how does the

idea of social impact gure into

the companys value proposition?

The model is a for-prot self-sustainability-based model that

works on the principle of creatingself-sufcient centers that employwomen in villages. The reasonwomen are employed is because typi-cally these women who are other-wise quite adept and smart willnot be able to step out of their villageto work. As a result, they will notattrite and stay with XPO jobs muchlonger. Over a period of time thecost advantages begin to show. Thisessentially solves the main problemof attrition in urban BPO centers.

Once the centers are working asrural XPOs, we are able to get con-nectivity and electricity and pay forservices from the income generatedby the centers. Since women come tothe centers, it is easier to get theirkids to undergo student counseling

and use other services.These women also help us accu-

mulate agri- and gobar-wastage forelectricity generation. The renew-able sources of energy project are

still in its pilot phase.

Can you describe a successfulproject that has, or is, making

impact in rural India?

We are present in four states:Rajasthan, Haryana, Uttrakhandand Uttar Pradesh. The Haryanaand Rajasthan projects have been

extremely successful. The HaryanaHarVa centers have been in op-eration for less than a year andalready employ 50 women, and acouple of disabled men as well. Onegirl who studied in a Hindi-medi-

um school worked at HarVa for sixmonths and was able to secure ad-mission in BA (Hons) Economics ina college. We have lots of examplessimilar to these.

What are HarVas goals over the

next ve years?

Our goal is to set up 100 centers

across 20 states. Hurdles areaplenty, however, we believe focuson value creation will be the key to

accomplishing this goal. bp

Ajay catredi, fonder and airman of te Grgaon-baed harva, poke toBeyond Protabot arneing ae in rra India to promote ef-tainabiity.

By Nia Kmar Kkarni

harva

An exampe of a harva a-femae XPO enter.

Little has been

done to create the

much-needed value

based on annuity

income for rural folk.

villagevalueharnessing
http://www.beyondprofit.com/http://www.harva.co.in/http://www.harva.co.in/http://www.harva.co.in/http://www.beyondprofit.com/


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T E c h N O l O G Y F O R D E v E l O P M E N T

5sot Afria paed te 100%penetration for mobie pone in2009, tog ti doent meaneeryone own a e pone many peope ae more tan one

sIM ard. lat year, vodaom,

and Nedbank, te fort argetbank in te ontry, teamed pto an M-PEsA. Anoter er-

ie, FNB eWaet, inreaed ittomer from 30,000 in Janary2010 to 300,000 by te end of teyear, a ten-fod inreae. Watet sot Afria apart fromoter ontrie i te wiingneof bank to ink p wit mobiemoney erie. Wie mobiebanking adoption in te ontry

i good, a cGAP tdy fond tatony 10% of tomer are nderte poerty ine.

1

42 3

TOP 5

Not ony doe vodafone safariom

ere more tan 12 miion trog it

M-PEsA ytem, Kenya i ao ome to

tree oter mobie money proider. Or-

ganization are tiizing ti tenoogy to

ep women pan for pregnany expeneand ep farmer ere rop inrane.

At te end of 2010, us$400 miion29%

of te ontry GDPwa traeing

trog te M-PEsA ytem ea mont.

Aording to te Mobie Money Exange

webite, wie ony 10% of te ontry

could access nance, nearly 60% had

ae to a e pone.

Te Piippine a one of te mot

deeoped mobie money ytem in te

word. In 2001, sMART commniation

aned sMART Money in partnerip

wit Bano de Oro. Te erie now

ere more tan 7 miion in te ontry.Te depoyment of sMs-baed GcAsh

by Gobe Teeom aw frter penetration

of te erie. Te Mobie Money Ex-

ange attribte te ig adoption rate

to ay mobie er in te ontryit

onidered te texting (a text meage i

ao known a an sMs in ome ontrie)

apita of te word. Aording to reear

by cGAP, tee are ao two of te

eapet erie gobay.

MTN aned mobie money two year

ago, and te adoption rate are aready

iger tan M-PEsA were in Kenya oer

a omparabe period. Te ompany i

using hundreds of eld registration agents

to go from door to door to edate peopeabot mobie money and to get tem to

regiter. so far, 750,000 tomer ae

been igned on. Earier ti mont, data

owed tat te erie reaed 1.6 mi-

ion ugandan, wit us$90 miion in mo-

bie tranation ea mont. In uganda,

62% of te 34.6 miion popation i

nbanked, and ony 600 ATM ere te

ret of te peope nationwide.

M-PEsA wa aned by

vodaom in 2008, and teerie a aready rpaedte 5 miion mark. Te ompanyfond tat agent were not abeto effetiey ere te tom-er beae te bank oftentook day to baane aont.To onter ti deay, vodaompioted a program to extendredit to te mater agent o teeld agents could continue their

erie. lat year, vodaom

wa named te bet Mobie

Money Tranfer(MMT) operatorat te MMT Goba confereneand Expo ed in Dbai. Ao at

year, te ompany reeied aus$4.8 miion grant from te Biand Meinda Gate Fondation.Tanzania

Kenya Philippines Uganda

South Africa

Mobie money a beeneraded a a way to eap-frog traditiona bankingfor toe at te bottom ofte pyramid. We ook atve countries that haveembraed te tenoogy.

By Abby caard

where

moneymattersmobile
http://www.beyondprofit.com/http://www.vodacom.co.za/vodacom/http://www.nedbank.co.za/website/content/home/index.asphttps://www.fnb.co.za/cellphone-services/ewallet.htmlhttp://technology.cgap.org/category/geography/africa/south-africa/http://www.safaricom.co.ke/index.php?id=745http://www.mobilemoneyexchange.org/http://smart.com.ph/http://www.google.co.in/url?sa=t&source=web&cd=1&ved=0CB4QFjAA&url=http%3A%2F%2Fwww.globe.com.ph%2Fgcash%2F&ei=Rn2tTYupBI7IvQOizZ3nCg&usg=AFQjCNEidpreIq4a1JToezjsYDBKQ4nhhAhttp://technology.cgap.org/2010/05/24/for-the-unbanked-is-mobile-money-cheap-enough-cgap-releases-pricing-study-across-16-providers-in-10-countries/http://www.mtn.co.ug/http://www.vodacom.co.tz/homehttp://www.vodacom.co.tz/about-us/news/2010/10/vodacom-tanzania-money-transfer-operatorhttp://www.vodacom.co.tz/about-us/news/2010/10/vodacom-tanzania-money-transfer-operatorhttp://af.reuters.com/article/investingNews/idAFJOE6AF0BB20101116http://af.reuters.com/article/investingNews/idAFJOE6AF0BB20101116http://www.vodacom.co.tz/about-us/news/2010/10/vodacom-tanzania-money-transfer-operatorhttp://www.vodacom.co.tz/about-us/news/2010/10/vodacom-tanzania-money-transfer-operatorhttp://www.vodacom.co.tz/homehttp://www.mtn.co.ug/http://technology.cgap.org/2010/05/24/for-the-unbanked-is-mobile-money-cheap-enough-cgap-releases-pricing-study-across-16-providers-in-10-countries/http://www.google.co.in/url?sa=t&source=web&cd=1&ved=0CB4QFjAA&url=http%3A%2F%2Fwww.globe.com.ph%2Fgcash%2F&ei=Rn2tTYupBI7IvQOizZ3nCg&usg=AFQjCNEidpreIq4a1JToezjsYDBKQ4nhhAhttp://smart.com.ph/http://www.mobilemoneyexchange.org/http://www.safaricom.co.ke/index.php?id=745http://technology.cgap.org/category/geography/africa/south-africa/https://www.fnb.co.za/cellphone-services/ewallet.htmlhttp://www.nedbank.co.za/website/content/home/index.asphttp://www.vodacom.co.za/vodacom/http://www.beyondprofit.com/


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T E c h N O l O G Y F O R D E v E l O P M E N T DATA

bythenumbersIn a oon-to-be pbied tdy by te Internet and Mobie Aoiation of Indiaand IMRB, 15,000 peope in een Indian tate were interiewed abot teirInternet age. Wat doe India rra Internet andape ook ike?

By Nia Kmar Kkarni

Rural Indias Internet Usage

Projected percent-age increase in

active Internetusers in rural Indiathis year, reaching24 million users, byDecember 2011.

Percentage of ruralpopulation that is

aware of the Inter-net, compared toonly 16% from last

years report.

Percentage of totalInternet access in

rural India thattakes place at acommon servicecenter or publiclyaccessible computer.

Number of villages of a national total

of approximately600,000 servicedby a single commonservice center.

Percentage of re-spondents who say

that lack of accessto a personal com-puter, inability tooperate a computer,or unavailability ofInternet are prima-ry reasons for notusing the Internet.

98 65 6 1369

higigt yor enterprie

Emai: adertie@

beyondprot.com

% % %%

Read the next issue ofBeyond Proft on howto raise funds, how tomarket products andhow to land that great

fellowship.

Guide toStarting Up
http://www.beyondprofit.com/http://www.alootechie.com/?q=content/india-have-24-million-rural-internet-users-december-2011-studyhttp://www.iamai.in/default.aspxhttp://www.imrbint.com/mailto:[email protected]:[email protected]:[email protected]:[email protected]://www.imrbint.com/http://www.iamai.in/default.aspxhttp://www.alootechie.com/?q=content/india-have-24-million-rural-internet-users-december-2011-studyhttp://www.beyondprofit.com/


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T E c h N O l O G Y F O R D E v E l O P M E N T DATA

datagraphicsMobiles for MDGs in BangladeshTe Deeopment Reear Network (D.Net) program Mobie for MDGpromote digita eqaity to aiee te Miennim Deeopment Goa. In 2010,D.Net preented it reommendation baed on a need anayi done to deter-

mine te roe of mobie tenoogy in materna and id eat in Bangade.

For D.Net need anayi, 168 women were

interiewed. Te aerage famiy ize of te

ampe popation wa 6.7, were 83.33%

of women were nempoyed and 55.36%

ie beow te poerty ine a tatiti wore

tan te nationa aerage of 40.5%. Of te

repondent, 91.07% ffer from materna and/

or women-reated eat probem. More tan

36.9% of te interiewee ad neer onted

a dotor.

In 2010, te tota nmber of mobie pone b-

riber in Bangade wa 59.96 miion, ofa tota popation of 145 miion. Of te poo of

repondent, 81.55% ad ae to a mobie

pone. Interetingy, tog, ony 39.88% of

women in Bangade ae ae to a mobie

pone.

Source: Development Research Network

sine oer a tird of repondent neer on-

ted a dotor, it wa important to ndertand

wat te reaon were beind noteekingmedia ep wen needed. D.Net anayi

ow te reaon wy women do not eek

ontation are: proibition to eek onta-

tion (24.19%), od not go aone (11.29%), ak

of money (11.29%) and ae to dotor wa

too far (4.84%). Prohibition was mostly dened

a poa proibition or a pereption of know-

ing what to do in difcult medical situations.

Depite te fat tat 55.36% of repondent

wod prefer to meet a dotor fae-to-fae, a

repondent ad poitie feeing abot being

abe to ae eatare adie and erie

oer a pone.

Source: Development Research Network

What factors inuence womento contact a doctor via phone?

What are the reasons for women

to consult a doctor via phone?

Knowedge abot te poibiity of ingpone to ae eat-reated erie

Aaiabiity of andet

Ae to femae media are

Knowedge abot pone erie

Ae to dotor pone nmber

cot-effetie

Pereption of good erie

compiated itationaing for immediate adie

Adeqate for prpoe

Ditane to dotor from ome

0 10% 20% 30%

0 10% 20% 30%
http://www.beyondprofit.com/http://www.dnet-bangladesh.org/mdg/index.htmlhttp://www.dnet-bangladesh.org/mdg/final_presentation.pdfhttp://www.dnet-bangladesh.org/mdg/final_presentation.pdfhttp://www.dnet-bangladesh.org/mdg/index.htmlhttp://www.beyondprofit.com/


12/16


T E c h N O l O G Y F O R D E v E l O P M E N T

heat

cAsE sTuDY

Embrae wi an it ow-ot infant warmerater ti mont in India.

By Abby caard

More than 4 million infantsdie each year, and the World

Health Organization estimatesthat 99% of these deaths occur insituations where hypothermia isa risk. According to UNICEF, theprevention and management ofhypothermia can reduce neonatalmortality by 18%42%.

When Jane Chen visited Indiaand discovered that 80% of babiesborn there needed an incubator

to keep warm, she decided to dosomething about it. But a tradi-tional incubator can cost up to US$20,000 (`890,000). In 2008, Chenand three of her Stanford MBAclassmates designed a low-costinfant warmer.

Chen took it one step farther

and co-founded the non-protEmbrace to develop and distributethe warmer. The Embrace infant

warmer costs less than 1%of a traditional incubator.The warmer will makeits India debut later this

month with the support ofGE Health.

The warmer consistsof three parts: a heater, apouch and a warmer. Theplastic cased heater runs

on electricity and can warmthe pouch within 20 min-

utes to the 37 Celsius thatis vital for infants.The pouch, which can

maintain a temperature of3735 Celsius for fourhours, contains paraf-n wax often used inthe cosmetics industryfor skin treatments. Thepouch, which has an indi-cator that shows when it has to be

reheated can be reused hundreds

of times.

The warmer is a hypoallergenicwrap-style sleeping bag that holds

the infant and includes a compart-ment to house the heated pouch.The inside of the wrap is seamlessto prevent bacteria collection.

Embrace has also developed aversion of the product suitable forrural areas where electricity supply

is unstable at best and nonexistentin certain areas. Boiling water canbe poured over the wax pouch to

warm it to the correct temperature.Because Chen thinks the product

will be better received if it comes

with the recommendation of a doc-tor, she has decided to sell the wrapsto doctors in India rst, and thenopen up to selling to caretakers.

Embrace aims to sell 16,800warmers in its rst year of opera-tion; that number could poten-tially save 100,000 infants andprevent illness in another 800,000by 2013.

We can truly bring technology

to the masses, and we can savemillions of lives through the simplewarmth of an embrace, Chen saidin her TED talk last year.

Embrace is an enterprise nomi-

nee at the Sankalp 2011 Awards,which is organized byBeyond

Profts publisher Intellecap. bp

Te Embrae infant warmer.

Embrace

savedby the

We can truly

bring technology to the

masses, and we can

save millions of lives

through the simple

warmth of an embrace.

Jane Chen

o-fonder, Embrae
http://www.beyondprofit.com/http://www.beyondprofit.com/


13/16


uid

l E s s O N s F R O M T h E l A s T M I l E sPOTlIGhT

Aigning a itizena unique identicationnmber an reate aframework for mobiemoney in India.

By Abby caard

The rst of Indias uniqueidentication numbers was

assigned on September 10, 2010,in Maharashtra, and half of thecountry is expected to receive anumber by 2014. While the project,driven by the Unique IdenticationDevelopment Authority of India

(UIDAI), has the goal of providingidentity cards, it also has implica-tions for mobile money.

Registrants with Aadhaar the

project's name have the optionto link their bank accounts to the

12-digit number, which effectivelyallows them to use that numberand biometric card data insteadof credit cards in certain places.People can also open an Aadhaar-

linked account when register-

ing for the number. According toUIDAI, 80% of the 4.2 millionresidents with a UID number have

expressed interest in opening anew bank account.

This could help open the doorfor unbanked persons to a mobilenancial ecosystem. The key to be-ing able to use mobile money is inthe inter-connectability of systems.Currently, each bank account hasa different number. Once the UID

scheme is completed, all of thisdata canif people choose to linktheir accountsbecome accessibleusing one number.

The question, then, is: oncebank accounts are linked to one

number, what other opportunitiesare there in the nancial servicesindustry?

In Kenya, for example, theprevalence of Vodafones M-PESAtechnology has allowed numerousorganizations to harness mobile

money and use it for other devel-opment initiatives from maternalhealth to access to clean water.

According to research by Mas-sachusetts Institute of Technologyprofessor Tavneet Suri, 13.3 millionpeople, or 57% of Kenyas adult pop-ulation, used M-PESA at the end of2010. At the same time, only 22% ofthe country had a bank account.

India can only hope the UIDproject enables millions of current-

ly unbanked residents to not onlyopen an account but access mobilemoney technology. bp

A woman i enroed in te ytem.

uIDAI

bankingon
http://www.beyondprofit.com/http://uidai.gov.in/http://uidai.gov.in/http://uidai.gov.in/http://enterprise.vodafone.com/products_solutions/finance_solutions/m-pesa.jsphttp://enterprise.vodafone.com/products_solutions/finance_solutions/m-pesa.jsphttp://mitsloanexperts.wordpress.com/2011/03/28/m-pesa-kenya%E2%80%99s-fast-growing-mobile-payment-system/http://mitsloanexperts.wordpress.com/2011/03/28/m-pesa-kenya%E2%80%99s-fast-growing-mobile-payment-system/http://enterprise.vodafone.com/products_solutions/finance_solutions/m-pesa.jsphttp://uidai.gov.in/http://uidai.gov.in/http://www.beyondprofit.com/


14/16


T E c h N O l O G Y F O R D E v E l O P M E N T EYE ON

technology massesArtoo fonder takabot ow to redemicronance interestrate by reding operat-ing costs not prots.

By sameer sega

We often wonder why theworlds most intuitive

technology isnt available to the

masses. Why arent iPhone likeinterfaces available to low-incomerst-time technology users? Whyisnt enterprise software as slickand easy-to-use as Facebook?

Just like how business modelsaimed at the bottom of the pyramid(BoP) have to be truly innovative

to achieve any success, technologysupporting such businesses needs

to be completely re-imagined,

too. The innovation need not liein any single element of technol-ogy, but the success will denitelydepend on how various elementsare strung together. I personallybelieve that consumer electronicsis going to play a big role in deter-

mining the success of any solution.Today, cloud and mobile (touch-

based especially) are opening awhole range of opportunities thateven two years ago may have been

thought of as too futuristic. Artoohopes to help business tap someof these opportunities, especially

in the areas of nancial inclusion,healthcare and education.

Artoo Slate takes the entireprocess of data collection and loandisbursement online. It capturesrich data from the eld, does awaywith the back and forth of paper,avoids innumerable delays and

drastically reduces expenses. Ourframework enables eld agents tooperate remotely and helps dis-tributed MFIs to centralize theiroperations. It is an intuitive inter-face that has been designed keep-ing in mind the eld staffs limitededucational training and exposureto technology.

We have just completed apilot,funded by Ujjivan Financial Ser-vices and the Lok Capital Founda-

tion, with Ujjivanone of Indiasfastest growing MFIs. The ArtooSlate enabled a 35% increase inproductivity, reduced the turn-around time for loans to two days,promises both an annual benet ofINR 74.4 crores (US$15.8 million)and a 2.44% reduction in the Oper-ating Expense Ratio (OER).

We have validated, throughour pilot, that eld agent adop-tion rates and performance areindependent of seniority and the

technological savvy of individualeld agents. Our solution will allowfor easy exchange of data betweeneld staff and backend staff in away that will reduce time spent oncustomer query clarication andidentication and resolution oferrors in customer prole and loanapplication forms thus enhancingthe due-diligence process. It willalso serve as platform throughwhich MFIs can train their eld

staff on-the-go and monitor themon a real time basis to improvetheir overall service quality.

Artoo

Sameer Segal is the founder and

CEO of Artoo. He has been recog-

nized as one of Asia-Pacics most

promising young social entrepre-

neurs by the Paragon100 Fellow-

ship. He holds a BTech from the

National Institute of Technology,

Karnataka and is a StartingBloc

Fellow (MIT Sloan).

for

the
http://www.beyondprofit.com/http://www.artoo.in/http://bit.ly/artoo-pilot-resultshttp://bit.ly/artoo-pilot-resultshttp://www.artoo.in/http://www.beyondprofit.com/


15/16

social enterprise.ideas.

people.

South Asias leading publication focused on socialenterprise and development innovation

Our readers include socially responsible entrepreneurs,

investors, incubators, philanthropists, researchers and

journalists.

Global Readership of 30,000+*

More than 12,000 subscribers*

Presence in 139 countries*

Beyond Profitis published by Intellecap,

a social business advisory firmwww.intellecap.com

Read our blogs & e-magazine on:

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Registered Office:

Intellecap, 512 Palm Spring, Link Road, Malad (W),

Mumbai 400 064 Tel: +91 22 4035 9222

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perGoogleanalyticsreportdatedApril1,

2011
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E i d ti @b d t
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Issue16 the Other Tech Revolution