App/Software

Enoma Odia of Sofdia System Nigeria in Nigeria will apply network marketing to promote the uptake of mobile money by offering financial rewards to merchants for recommending it to other merchants within their community. This marketing system leverages the communal style of living, where the residing merchants sell similar products and share the same language. When a recommendation to use mobile money comes from a merchant in the same community, and the rewards for referrals are shared between users, it is more likely to be accepted.

Ernest Makotsi of Wayo Company Ltd. in Kenya will develop a mechanism for customers to provide immediate feedback on their retail experiences in Nairobi using mobile phones. Real-time feedback is thought to be more attractive for users and more valuable for providers, and having a mobile phone interface means feedback can be provided and analyzed from any location. They have developed the program, and will set up the technology in regional retail shops that provide digital financial services and advertise the event to promote customer participation.

Ken Kinyua of Kopo Kopo Inc. in the U.S. has developed a software platform that gives particularly lower-income merchants in Uganda the possibility to receive every type of mobile money service on the market by registering with only one bank. This will promote the use of mobile money, which will also benefit the banks and mobile network operators, and both simplify and secure transactions for both the merchants and the consumers.

Chris Locke of Caribou Digital (UK) Ltd. in the United Kingdom will develop a small set of applications for smart phone users in developing countries to put them in control of providing anonymous data on their mobile phone use in near real-time to aid analysis and research by donors and governments. The applications will be able to record digital financial transactions and other phone-based activities such as content browsing to provide additional context and thereby enrich the data.

Paula Hidalgo-Sanchis and team at Pulse Lab Kampala - UN Global Pulse in Uganda will develop software that can transform raw data on mobile money use in developing countries into user-friendly formats to inform policymakers and researchers to help expand the field. They will collect mobile money and call detail records from two collaborating network providers, while ensuring privacy of users. In parallel, they will collect complementary datasets such as household survey data to enrich the value of the financial services data.

Jean-Claude Gouesse of Ecash Express in Canada will promote the use of mobile money in the Ivory Coast by establishing mobile money payment options for merchants to purchase supplies, and providing a free prepaid debit card for customers to pay for goods. When merchants can use mobile money to buy their own goods, they may also be more willing to receive mobile money payments from their own customers, particularly if they earn commission.

Akinola Dixon of Qrios Networks in Nigeria will simplify mobile money payments by building a platform incorporating a unique digital identity for all customer accounts and merchants, and leveraging a stable carrier signaling network using low-cost, automated communication technologies. When a merchant wishes to sell goods, the platform generates a unique payment code for the consumer to authorize on their mobile phone, and the money is transferred. They will research the requirements for their approach, design the required software, and test their platform.

Joshua Blumenstock of the University of Washington in the U.S. will combine data on mobile phone call details and mobile money use with photographs taken of local infrastructures such as electricity supply, to map access to and use of digital financial services in Ghana. They have access to vast anonymized datasets on phone and mobile money transactions in Ghana, and a technology platform developed by Premise that collects photographs and observations from local citizens to measure economic and social infrastructures.

Ronald Azairwe of Pegasus Technologies Ltd. in Uganda will develop an online portal coupled with attractive incentives to recruit merchants and train them to accept mobile money in Uganda. Current methods of recruitment are slow and require multiple in-person visits, which can be difficult in remote areas. The portal will enable merchants to register online and an incentive structure will be developed to reward merchants based on transaction volume.

Ross Anderson at the University of Cambridge in the United Kingdom will develop technology to enable secure offline phone-to-phone and card-to-phone payments between customers and merchants. The ability to use mobile phones to make and receive payments has expanded access to secure financial services in low-resource settings. However, the requirement of a network connection makes it particularly problematic in rural communities.