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Agriculture, Food Security & Rural Development, Areas of Expertise, Information and Communication Technology for Development, Mobile Money, Originally posted on the GBI Portal

Can this be an Opportunity for Mobile Banking in Ethiopia?

Photo Credit: The Economist

I participated in a very informative event this week in Washington DC where a researcher was sharing his experience on “Weather-Index based Crop Insurance for Smallholder Farmers in Ethiopia”. As I listened to the discussion as an agricultural information specialist, my concern was what is the role of mobile technologies in this?

According to the researcher, Dr. Shukri Ahmed a Senior Economist, Food and Agriculture Organization (FAO), the concept of crop insurance has a long history from Asia with the leadership of India. However, due to the challenges associated with insurance in general and access to credit to smallholder farmers, the idea somehow waned. But according to Index Insurance Innovation Initiative (I4), there is overwhelming evidence that uninsured risk can drive people into poverty and destitution, especially those in low-wealth agricultural and pastoralist households. There is therefore a re-emergence of insurance for smallholder farmers across the globe.

The speaker gave a detailed background to the study in Ethiopia and the importance of partnership in the design and implementation of the study. The difference, however, with this new approach to crop insurance for smallholder farmers is the use of index (indices) to support the insurance service, and intervention against emergency situation. But at the same time the study is targeting farmers that are relatively better off and who are already engaged in the market but are not investing in insurance due to the anticipated risks. The outcome of the pilot study is expected to help protect the livelihoods of smallholder farmers, who are vulnerable to severe and catastrophic weather risks particularly drought, enhance their access to agricultural inputs, and enable the development of ex-ante market based risk management mechanism which can be scalable in Ethiopia.

Dr. Shukri Ahmed, Senior Economist at the United Nations Food and Agriculture Organization (FAO)

Unbanked or Branchless Services

Adding another concept to an already very complex issue that tries to combine weather, insurance, credit/finance, and smallholder farming, should be carefully considered. But the key question is whether mobile technologies can play a catalytic role in this entire complex system?

Among the reasons for choosing a given area for the pilot study, include availability of Nyala Bank branches, the vulnerability of yields to drought, the availability of nearby weather stations, and the willingness of cooperatives in the area to purchase the new product. As the pilot study progresses, the possibility of scaling the project across the country is high. But what will be the implications for the absence of banks in the rural farming communities in a country that has an approximately one bank loan per 1000 adults? Can Mobile Banking help understand why smallholder farmers under-investment in agriculture?

A success story of mobile banking by the Dutch-Bangla Bank Limited (DBBL) in Bangladesh was recently highlighted by the GSMA Mobile Money for the Unbanked. Interestingly, the story pointed out how DBBL learnt from Kenya’s famous mobile money program M-PESA. Kilimo Salama (KS) is an innovative index-based insurance product that insures farmers’ inputs (seeds, fertilizer, pesticides), and outputs (crop harvests), in the event of drought or excessive rainfall. It uses weather stations to collect data and implements SMS-based mobile technologies to administer and distribute the payouts. Mobile technologies will not only help with the financial transactions such as seen in Kilimo Salama’s case but also in support of the weather stations for timely and accurate decision making for pay-outs.

My conversation with Dr Shukri about the possibility of integrating mobile money into the project to address the challenge of absence of banks in rural Ethiopia, revealed the huge untapped market for Mobile Banking in that country. However, the success of such services depends on a convincing business case for both the banks and Mobile Network Operators (MNOs). Most importantly, however, is the state of telecommunication infrastructure and regulation in the country. These need to be in place for services and applications to thrive. With this huge investment

Outside Ethiopia, I believe it is time for African countries to take advantage of the increasing mobile phone penetrations in the continent beyond social networking to general development applications such as for agriculture, health, education, and rural development.

To listen to the audio recording of the event, visit Center for Strategic and International Studies (CSIS).

August 25, 2012/by actualize

Agriculture, Food Security & Rural Development, Areas of Expertise, Economic Growth, Environment & NRM, Information and Communication Technology for Development

Ambassador Verveer discusses “Women’s Economic Success and Global Growth”

Ambassador-at-Large for Global Women’s Issues, Melanne Verveer. (Photo: US Dept of State)

On Monday, July 23, 2012 the Center for American Progress hosted Ambassador-at-Large for Global Women’s Issues, Melanne Verveer for a discussion on “Women’s Economic Success and Global Growth.” Amb. Verveer’s talk focused on the crucial role women play in sustainable development and economic growth worldwide. US women generate $3.5 trillion yearly, and women’s employment in developing countries contributes more to the global economy than China. By 2050, women will control 2/3 of all spending worldwide. Noting that women traditionally spend their earnings in sectors that create a multiplier effect (i.e., health, education, food), Amb. Verveer emphasized the tremendous consumer power women will wield in global markets. She also highlighted growing research that shows how countries where women’s rights are more closely equal to those of men are more peaceful and prosperous than countries that ignore, marginalize or limit the role of women.

Amb. Verveer spoke of three main areas the State Department focuses on increasing the role and influence of women: Economic Empowerment, Women in Development, and Peace and Security. Within the Women in Development sector, three initiatives discussed fit squarely within Integra’s areas of expertise: Feed the Future (Agriculture), Global Climate Change Initiative (Environment) and mWomen (Information and Communications Technology).

Agriculture: Women are vital to agricultural development, often making up the majority of farmers in developing countries and the backbone of agriculture-based economies. FAO reports claim that if men and women farmers had equal access to credit, training, property rights and technical inputs, yields could improve 20 to 30 percent and the number of malnourished people worldwide could be reduced by 150 million people.

Environment: Women bear the burdens of climate change disproportionately more than men. Yet women are uniquely empowered to address climate change because of their central role in agriculture, forest management, and running the home (i.e., making crucial energy decisions as pertains to energy sources used in the home).

ICT4D: Increased technological access creates opportunities for financial security and independence. With mobile access, women are able to gain information about the current market, including data on pricing and weather systems, in addition to business insights and trainings, access to support networks, and the ability to transfer and save funds. “The significance of mobile technology cannot be underrated,” said Ambassador Verveer, who emphasized both the economic and social value of mobile technology. While 350 million women still do not have access to cell phones, the State Department is working to bridge this gap in connectivity through various initiatives, including the GSMA mWomen initiative. mWomen is committed to reducing this gender gap in connectivity by 50%.

In each development sector highlighted, Ambassador Verveer reiterated that gender equality is not only smart economics, but in line with US values and “a moral imperative of the 21^st Century.” While the State Department and USAID continue to add gender guidance components to trainings and major international initiatives, true change will only be achieved once gender equality becomes institutionalized and integrated across all bureaus. Women’s rights need to be viewed as human rights essential to fostering economic growth, social stability and a more peaceful prosperity worldwide.

To view full event video, click here. To read Ambassador Verveer’s article on “Why Women Are a Foreign Policy Issue,” click here.

July 27, 2012/by actualize

Agriculture, Health, Originally posted on the GBI Portal

Opening the Discussion of Data Privacy in mHealth

Photo Credit: Technorati.com

During New America’s Mobile Disconnect talk on February 9th, Katrin Verclas, Co-Founder and Editor of MobileActive.org, brought up an interesting question about data privacy in mhealth – what is being done to protect patient data in mhealth projects in developing countries?

“If you are gathering sensitive health data over completely clear text and insecure SMS, somebody’s HIV status, sensitive information protected by HIPAA standards in this country, completely unregulated by development organizations, they don’t self-regulate. Countries certainly don’t have any privacy or data protection stipulations…If we are talking about mobile telephony and mobile phones in development, we need to talk about how we protect the data that we are gathering, the information that we are distributing…”

Data privacy is an important, yet undiscussed topic. As Katrin mentioned, an individual’s health information is extremely personal, especially because it can be used against the person to make them a social outcast. But there is little talked about how patient information is being protected, especially the structure and framework of data protection on a large scale. As mentioned in the white paper “Barrier and Gaps Affecting mHealth in Low and Middle Income Countries” by the Earth Institute at Columbia University, many mhealth studies expressed the need for data protection and some measures were taken. But further security steps need to be taken as projects scale into national programs.

First, security is a tough question to answer in any setting. In the U.S., there are strict laws that require health information to be protected (HIPAA). Corporations holding patient health information must internally regulate how this information is being stored and transmitted in order to avoid penalties (both monetary and brand loss) if data is lost or there is a security breach. Along with setting user policies to further protect this sensitive data, corporations also leverage security software to protect against internal and external data lost. This includes protection against network attacks or unprotected lost/stolen devices. In these cases, the companies not only spend money on security measures but also employ a team solely focused on security. Chief Information Security Officer is vastly becoming an important and necessary role with large enterprises.

But the reason for all these security measures is the value individuals and families put on the privacy of their health information. Similarly to people protecting information about their finances, people want to keep their personal and family health information private. With the stigma of specific diseases or the unknown of the future as testing, diagnosis, and treatment is occurring, individuals and families want to have the power to inform others when they are ready. Do individuals and families in other countries place the same value on their health information? My guess is very much so.

But, as Katrin mentioned, many of the countries using mobile phones for data transmission do not have strict data privacy laws to regulate how patient data is protected. This leads to a lack for incentive for development organizations to create their own data protection policies which includes user policies and technology solutions to protect the storage and transmission of patient information. The GSMA recently began a movement to support data privacy on mobile devices. This includes providing principles, guidelines and resources in order to tackle the new challenges of data protection on global mobile networks. The International Telecommunication Union (ITU) and infoDev have created the ICT Regulation Toolkit to provide insight and best practices for policy-makers, government regulators and the telecommunication sector to implement telecom policies. There is a section directly focused on Data Protection and Privacy Laws. While these are steps forward, they are more generally focused on the over telecom industry. There needs to be a greater focus on the mhealth sector as it continues to grow.

Some organizations have included data privacy in mhealth projects. eMOCHA, developed by Johns Hopkins Center for Clinical Global Health Education, is a program for Android smartphones that stores and transmits data. Included in the program is security on both the endpoint device (the smartphone) and the servers. The servers that store the data are encrypted to protect against internal leaks. The smartphones also utilized encryption to send messages. They also are password protected in order to prevent data access if the phone is lost or stolen. Dimagi has also used technology to protect both internal and external leaks. This includes individual logon passwords and full data encryption on handsets and full server database encryption and auditing of who has logged into the database. It would be great to hear from other mhealth developers to see what they are doing to protect data. As is the case with the open dialogue of discussing best practices implementing and scaling programs in the mhealth community, it would be beneficial to the sector to share advice on data privacy.

MobileActive has been focusing on data security lately with the release of their SaferMobile website. It has helped to open the discussion and provides knowledge and advice to activists, human rights defenders and journalists to better protect their mobile privacy in their jobs. Those in the mhealth community should piggyback on their work. The discussion of data protection has been brought up before, but it is time to have it on the forefront of developers and implementers minds working on mhealth projects in developing countries. The goal is to understand all issues of data privacy (from the regulatory, technological and social aspects) and how we can make sure to always be aware of the patient’s right to privacy. It will be interesting area to continue to follow, and I hope this at least opens the door to a more in depth discussion on the topic.

March 28, 2012/by actualize

Agriculture, Mobile, Originally posted on the GBI Portal

Who wins: Rural Agriculture or Mobile Sector?

mAgri Panel @ GSMA Mobile World Congress

Is rural agriculture a big business opportunity for the mobile industry or the mobile industry is a big business opportunity for rural agriculture?

This is the question that I continue to grapple with as I browse through presentations at the mAgri event during the just ended GSMA Mobile World Congress 2012 in Barcelona, Spain, and also analyze the “charge” by the Chairman of Microsoft at the IFAD Governing Council Meeting in Rome, earlier this year. Below is the recap of the presentations at the event that seem to highlight the importance of these services to the rural smallholder farmer followed by the perspective from Bill Gates.

GSMA Mobile World Congress

Introducing the mAgri event at the Congress, the Managing Director of GSMA Development Fund, Chris Locke reiterated the importance of mobile technologies in improving food security by reaching rural farming communities that are otherwise, not served by the traditional agricultural extension services. He stated that with the continuous support from the Bill and Melinda Gates Foundation and USAID, the goal is to expand the mAgri program to six more countries. “What we are really looking for is a delta in a data – a delta that shows that there is a significant mobile penetration among the audience we are trying to reach but the lack of access to existing services that are trying to give them valuable information to help improve economically and socially, said Locke.”

Subrahmanyam Srinivasan, the CEO of IFFCO Kisan Sanchar Ltd (IKSL) then shared their experience in India through push and pull model of information delivery to their clients. Through an enviable partnership between IFFCO, Bharti Airtel, and Star Global Associate, m-powering utilizes mobile technology to provide agricultural information to over 3million revenue earning farmers in India and another 1million listening farmers.

The Global Product Leader of Nokia Life Tools (NLT), Bhanu Potta also emphasized the importance that Nokia place on educating rural farmers about production of new crop and animal varieties. According to him, these farmers are now switching from the traditional food crops to commercial and cash crop commodities and therefore need actionable, timely, locally relevant information in their local languages, and from trusted sources. The Nokia Life Tools provide farmers with market price information, weather updates, and news and tips on crops within their geographic location. A new feature that was released during the congress will enable interactions among the users and with experts through voice. NLT currently serves over 50million users in the area of health, education, agriculture etc. in India, China, Indonesia and Nigeria.

Mark Davies, CEO of Esoko then explained how access to agricultural information through mobile phone has improved revenue generation of smallholder farmers in Ghana. According to him, through the mobile services of esoko, farmers are able to better negotiate price with traders, avoid traders and go directly to the regional markets, delay selling their products until they can obtain the best price, and socially help address trust issues in marriages when women return from the market with their sales. With the challenge of scaling their services, esoko now serves between 10-20 thousand farmers in Ghana and also franchising their tools to other countries to deliver their own contents.

Finally, Marc Ricau, Vice-President Country and Partnerships of Orange AMEA outlined how the company is shifting focus from urban customers to rural customers in 25 countries (18 in Africa), since about 60-70% of the population in these countries live in rural areas and are farmers. According to him, they are developing and expanding network coverage in these countries and partnering with content developers to serve these rural farmers with mobile services and solutions for their agricultural needs. “Mobile services can bring development in these areas by increasing productivity of the farmers, said Ricau.”

IFAD Governing Council Meeting

Bill Gates at IFAD GC Meeting

From a different perspective, the Microsoft chairman recently charged three UN Organizations – the International Fund for Agricultural Development (IFAD), the World Food Program (WFP) and the Food and Agriculture Organization (FAO) to do better to serve farmers. “Right now, a digital revolution is changing the way farming is done, but poor small farmers aren’t benefiting from it” said Bill Gates. The billionaire philanthropist also criticized countries, food agencies, and donors that aren’t working together in a focused and coordinated way to provide the help small farmers need, when they need it.

So my question remains as to whether the digital revolution is an opportunity for the mobile industry or an opportunity for the smallholder farmer? In other words, who is benefiting from the this huge opportunity – the smallholder farmer or the mobile industry? Is the smallholder farmer really benefiting from all these interesting stories by IKSL, NLT, esoko, Orange and hundreds of ICT and mobile solutions being designed for agriculture? If yes, how and if no, why?

March 21, 2012/by actualize

Mobile Money, Originally posted on the GBI Portal

Mobile Money Interoperability: A Solution or Just Expensive?

Photo Credit: Szymon Slupik

In a report released in February, GSMA examined the value generated to both consumers and mobile operators by developing interoperable mobile money systems. Entitled “The case for interoperability: Assessing the value that the interconnection of mobile money services would create for customers and operators” and co-authored by Neil Davidson and Paul Leishman, it was released through the Mobile Money for the Unbanked unit of GSMA.

The report focused on the idea that increasing the interoperability between mobile network operators (MNO) would be better for customers as it would allow greater ability to send money from a phone on one network to a phone on another network. With the understanding that a network’s value to a consumer depends on how many other people they can connect to, there is an obvious benefit to operators creating interoperability between each other. But the article finds that developing interoperability will not create the necessary value to customers in order for MNOs to profit off the investment. The authors came to this conclusion by examining it from both the consumer side and the producer side.

Value to Consumers

By researching the competitiveness of mobile money services, the authors found that there were only three markets in the world that could be labeled as competitive. Although 25 countries have multiple operators providing mobile money services, only three had adoption rates from multiple MNOs that would dictate a need for interoperability. They next turned their attention to discovering the specific problem that interoperability would solve. In viewing the habits of consumers in markets with mobile money, the research showed that they had figured out a workaround to transferring money between mobile networks. Since there is a low cost to purchase a SIM card from another MNO, consumers can “multi-SIM.” This means that depending on which operator the receiver is using, the sender can switch their SIM card in order to send the transfer. With the advent of dual-SIM phones (two ports for SIM cards), multi-SIMing is made easy with no need to switch out the cards manually. In Uganda, a survey from June 2010 showed that 43% of mobile money users multi-SIM. Along with the hardware workaround already available, the mobile operators have allowed unregistered accounts to send and receive money. Registered customers have the ability to send money to unregistered customers. Since all that is needed in order to collect the transfer is a secret code, an unregistered user can give the code to an agent and withdraw the cash. This is called an off-net transfer. The opposite transaction can occur as well as with an unregistered user sending a transfer to a registered customer. This is called an over-the-counter (OTC) transfer. While this does not completely kill the consumer value to interoperability, customers have already discovered and are using workarounds at no further cost to them or the mobile operators.

Value to MNOs

The author’s argument for why MNOs would invest into developing interoperable systems is a simple one – because it will create greater revenue. Mobile money is provided as a value-added service to create greater loyalty in the customer base as well as having them increase the amount of money they spend. But creating a system that works with other mobile operators is not free – nor cheap. The investments would include human resources and infrastructure. But the main question is how would this investment make more money, if at all? Value-added services are used for two reasons – keeping existing customers and enticing new customers. And one or both will have to pay for this service. But since it has already been shown that current customers are already willing to use a workaround to transfer between separate mobile providers, it is not clear that interconnecting systems will create greater loyalty or attract new customers.

Along with the unclear pain from customers about the need for interoperability, the authors made the argument that the investment in it could take away from other investments that could increase loyalty or simply pass the cost of directly onto customers. Unless a clear business reason is discovered, it seems like interoperability will not occur in the near future. But that does not mean it will never occur; just that it is too early for it now.

March 13, 2012/by actualize

Agriculture, Food Security, Originally posted on the GBI Portal

Mapping ICT Solutions along the Ag. Value Chain

The agriculture and food security value chain system is known for its complexity with varied actors at various levels interacting among themselves and with their external environment to provide sustainable food security situation across the world. In this complex system, the key for success depends on how well the value chain actors collaborate and coordinate their activities throughout the entire process from research and development through production to consumption.

The agricultural value chain identifies a set of actors and their respective activities that are aimed at bringing basic agricultural product from research and development, through production in the field, marketing and value adding processing to the final consumer. Within the agricultural value chain, irrespective of the model of the chain, three key components can be identified. These are activities associated with – i) productivity (Research and Development (R&D), input manufacture and supply, production on the field); ii) marketing (transport and storage, processing, retail and wholesale); and iii) Monitoring and Evaluation (M&E) (policy and traceability). Marking out these components allows for identification of the actors that work within these three main categories along the value chain.

Communication tools for coordination of roles

In a complex system like the agricultural value chain, coordination of roles is key as the actors collaborate to exchange resources. Successful coordination of role calls for appropriate communication approaches and media for smooth flow of resources from one stage to another and from one actor to the other. The importance of communication within the value chain is becoming clear especially with the surge to develop new and innovative information and communication technologies (ICTs) for agriculture and food security.

The U.S. Agency for International Development’s new Global Broadband and Innovations (GBI) program with the mandate to focus the Agency’s attention and resources on leveraging the adoption of ICTs across its development portfolio has been exploring the role of the new technologies along the agricultural value chain for improved resource flow. Throughout our desk research, we have found that there are several discussions, and activities going on with the use of ICTs in agriculture and food security, and others specifically on value chain development. However, little is done to bring the two issues together.

The ICTs for Agriculture team at GBI has over the past few months been working to bring these two issues together to help identify what ICT solutions currently in the market are best fit for each stage of the agricultural value chain. The team has identified and selected over 125 ICT solutions (apps and projects) that apply to the various actors within the agricultural value chain, specifically for this initial stage of the project and has mapped out these tools along the chain.

This is an introduction to a 3-piece series that explains the role of ICTs within the three major stages of the agricultural value chain – Productivity, Marketing, & Monitoring and Evaluation. We’ll soon be launching a dynamic and interactive version of “Apps4Ag Database” project on March 9^th during GBI’s TechTalk:Mapping ICTs Along the Ag Value Chain.

March 5, 2012/by actualize

Agriculture, Mobile, Originally posted on the GBI Portal

Mobile Agriculture to feature at the Mobile World Congress 2012

A panel on “Mobile Agriculture: The Market Opportunity” will be one of the highlights at the upcoming Mobile World Congress 2012 scheduled for Barcelona, Spain at the end of this month.

This intensive panel session will cover issues on the immediate opportunities for the mobile industry to launch commercially driven services for farmers, and the emerging best practices and insights from existing service providers on overcoming challenges and launching Agricultural Value Added Services (Agri VAS). It will showcase the market opportunity for Agri VAS in emerging markets, and expected to be patronized by mobile network operators (MNOs), VAS providers, content providers, agricultural organizations, NGOs, development practitioners and academics interested in the opportunity to develop innovative new services.

The panel will include experts and thought leaders from the mobile agriculture industry. Below is the event information.

Event: Mobile Agriculture: The Market Opportunity

Date: Tuesday 28th February 2012

Time: 17.30- 18.30 CET

Venue: GSMA Seminar Theatre, Hall 2.1, Fira Montjuïc, Barcelona, Spain

Mobile technologies are enhancing access to information across the world and impacting lives in remote rural communities. There are nearly six billion mobile subscriptions in the world today. Four out of five new connections are happening in the developing world. Yet these markets suffer from numerous challenges in the agricultural sector, from low yield amongst smallholder farmers to supply chain inefficiencies.

The rural sector represents the largest customer base in emerging markets and is a significant growth area for the mobile industry. In response to this opportunity, the GSMA launched the mFarmer Initiative in 2011 to support mobile operators and agricultural organizations in launching commercially viable mobile information services for farmers. The GSMA mAgri Program identifies opportunities where mobile can have the most impact to mitigate these problems.

Mobile World Congress 2012 will celebrate the current state of mobile and offer a glimpse into where mobile has the potential to go next. For more information and to register for Mobile World Congress 2012, please click here. To reserve your place at the Mobile Agriculture panel event please contact the GSMA mAgri program at mAgri@gsm.org.

For more information on the GSMA mAgri Program, please visit: http://www.gsma.com/magri/

February 6, 2012/by actualize

Agriculture, Extension Service, Farmer to Farmer, Food Security, Mobile, Originally posted on the GBI Portal

Reflections on mAg. Services: Partnerships Between MNOs and APs

Photo Credit: GSMA

NB: This is my personal analysis of contributions to question one from the forum. This post is the first in series of six, analyzing each of the six forum questions that were discussed.

Partnership, being one of the key criteria for selecting mFarmer Fund beneficiaries, the introductory question (below) for the forum was about partnership.

Question 1: In a partnership between a mobile network operator and agricultural partners, what unique value proposition does each partner bring, how can they leverage of each others’ strengths and what roles should each play in delivering a service to farmers?

Quick Summary of Contributions to the Question

With regard to the unique value propositions that each partner brings to the partnership, most of the contributions centered around the fact that Mobile Network Operators (MNOs):

Are providers of the mobile technology platform for the delivery of agricultural services
Have crucial role in ensuring access to the telecom network (adequate)
Have the responsibility for developing products that are affordable for farmers
Are responsible for addressing coverage issues
Need to ensure that they provide credible and dependable service
Have the responsibility of charging users and share the generated income with external Value Added Service providers
Are to be in charge of marketing and communicating the services to users (branding).

On the other hand, the Agricultural Partners (APs):

May be considered as content providers
Be able to clearly identify who the target farmers are and what their real information needs are
Must have rich experience of quality content for the farmers
Must have clear distinct experience and expertise in the areas of understanding farmers need
Shall have the ability to solve farmers’ problems and ultimately help them with inputs and services to implement the solutions
Must have the skills of connecting with farming communities
Be able to understand which format is best suited for the collection and delivery of information
Be able to collect, analyze, refine and disseminate (or make available) relevant agricultural information to the target audience
Be able to market available information services in the field, including through networks of extension workers
Shall ensure that the MNO fully understands that there is a real business behind Value Added Service (VAS) targeting farmers, even if the information service may take a longer time to take off
Be responsible for formatting of the content, reformatting, sometimes translating to be delivered and understood by the end user
Be responsible for quality assurance of the content – including sources, processes and final advice delivered
Are most likely in the best position to make sure that the mobile “channel” is used well to augment other info delivery channels.

Part B & C: How can the partners leverage of each others’ strengths and what roles should each play in delivering a service to farmers?

Contributions from the forum emphasized the importance of utilizing the existing infrastructure and assets including the mobile channels such as call center, SMS and Interactive Voice Response (IVR) infrastructure, short-code, and billing and revenue collection facilities. The partners can also utilize their respective brand strength and marketing expertise. For example MNOs have some of the strongest brands and trust with the users which can be powerful agents for marketing and driving awareness and the APs can also through their Agriculture VAS, help the brand and increase the market share of the mobile operator. Also pointed out was the possibility of MNOs to provide Agri VAS access via basic Unstructured Supplementary Service Data (USSD) menu service which could drastically decrease the barriers for the rural users to access the service and increase the usability. Potentially MNOs have the capacity to blend Agri VAS with mobile money solution and compliment advisory with agricultural financial services, such as loans and crop insurance.

Reflections on the Discussion

My take on this first question is that the understanding of the “AP” and “MNO” has not been made clear at the start of the discussion leading to all kinds of interpretations, assumptions and labeling. A first look at the question makes it simple and obvious but a critical analysis reveals how complex it is especially with the key terms – MNOs and APs.

In my first post at the forum, I did call for the definitions of these terms that seem obvious to the e-agriculture community. Fro example with the APs, are we talking of any group or organization involve in agricultural development services such as NGOs with agricultural service provision; community-based organizations involved in agriculture; farmer-based organizations; national agricultural units such as extension services, or research institutes?

A key argument that ran through the discussion and confirmed my argument was the call for a third party organization for the partnership. The issue of third party partners such as software developers, technology developers, new start-ups, research institutes, international organizations, etc. partnering with MNOs and APs to ensure the success of good mobile services for users came up. The case of IKSL was mentioned where other agencies and institutions which generate actual content – like Agricultural Universities and Research Institutes, International agencies like CABI, Indian Meteorological Department (IMD), Agmarknet for market information were involved in the partnership as third parties.

So a successful partnership for the mFarmer Fund may need more than MNO/AP partnership by reaching out to other institutions and organizations that have expertise in the Initiative’s Core Service. Alternatively, the APs and MNOs may be able to subcontract some of these services, but the positions of these different expertise need to be recognized.

The four points below could summarize the components of the partnership, whether two, three or more partners are involved:

Demand Articulations – partners that have skills and expertise of understanding the users (needs and potentials), understanding the content dynamics for users, etc. (e.g. NGO, CBO)
Network Formations – partners who are able to help connect other partners together and also connect users to product developers, ensure boundary spanning and information filtering (e.g. social media firms)
Process Management – partners that have the capacity to ensure infrastructure development, management and maintenance, generation of revenue for sustainability, quality assurance, formatting, etc. (e.g. MNOs, Software companies, IT firms, Universities, etc.)
Supply Activation – partners that have the skills to train and educate users on the products and services, who understand the language of the developers, able to communicate VAS, (e.g. extension services, NGOs, research institutes, etc.)

These are quotes from some of the experts at the forum:

“The Agricultural partner might not have an immediate capacity to do this in-house, as Agricultural Partner is usually an NGO or Ag. institution and not a VAS provider it its traditional sense.”

“For this, independent agronomists/ SMEs might be recruited if for example the agricultural partner has extensive experience on the ground but not so much access to the latest deep research around each individual crop/ animal.”

In otherwise, it has been acknowledged that partnership is necessary between AP (s) and MNO (s) but other views are that, the role of the MNOs, should be seen as roles being played by Internet Service Provider (ISP). That is providing the platform or network that could enable start-ups and VAS providers to utilize their services and innovations. VAS provision should remain independent of the MNOs.

Other Important Points and Questions Raised on this First Question!

The mobile channel is great for delivering certain types of information, but not all.
The profitability and success of the partnership is key
How would a model work that included two or more MNOs as the service delivery partners?
Sources of funding for the partnership – governments or on business models for profitability?
Would an MNO go into massive infrastructure investment just because of a partnership with AP for delivering agricultural services?
Where are the farmers in the partnership?

NB: The next in series is “Reflections on Mobile Ag. Services: Barriers to Scale“ and available on 12/26/2011.

December 22, 2011/by actualize

Agriculture, Agriculture Markets, Extension Service, Farmer to Farmer, Food Security, Originally posted on the GBI Portal, Sustainable Agriculture

Reflections on Mobile Agriculture Services: Blog Series

Photo Credit: e-Agriculture

The mFarmer Initiative, a partnership between GSMA, USAID and Bill & Melinda Gates Foundation (BMGF) in collaboration with e-Agriculture, initiated an online discussion late November to early December 2011.

The 2-week forum which was organized around six main questions, touched on critical issues from partnerships, barriers to scale, business cases/models, content, and mistakes committed by service providers in delivering these services.

As one of the participants in this forum, I have decided to reflect on the discussion which falls within my professional interest of using information and communication technologies (ICTs) to improve the living conditions of rural people in the developing nations, most of which are farmers by enhancing their access to resources.

There are six reflections in the series that are available through this portal for readers. Below is the list of titles, links, and dates of the posts:

1: Reflections on mAg Services: Partnerships Between MNOs and APs (Available on 12/22/2011)

2: Reflections on mAg. Services: Barriers to Scale (Available on 12/26/2011)

3: Reflections on mAg Services: Is there a Business Case for Serving Farmers? (Available on 12/29/2011)

4: Reflections on mAg Services: Financial Sustainability (Available on 12/31/2011)

5: Reflections on mAg Services: Content Sourcing, Quality Assurance & Dissemination (Available on 01/03/2012)

6: Reflections on mAg Services: Mistakes and Pitfalls of MNOs/NGOs (Available on 01/05/2012)

NB: These posts are summaries of the discussion and my personal reflections on some of the key points, and do not reflect the views of any of the sponsors, experts or contributors to the forum.

I hope we can continue the discussion.

December 22, 2011/by actualize

Agriculture, Mobile, Originally posted on the GBI Portal

Leveraging mServices for Development: An Opportunity for MNOs

Photo Credit: City of Dallas

The importance of mobile network operators (MNOs) who are currently investing in mobile agriculture services (m-agri) to view and utilize their investments as part of the wider “mServices strategy” that includes m-health, m-financial services, m-education, m-governance, m-women, etc came up in the just ended mFarmer and e-Agriculture online discussion.

“As competition between operators continues to escalate, the large rural customer base (a great deal of whom are farmers in the markets we are talking about) represents a sizeable business opportunity for MNOs” said an expert.

This comes as new developments are taking place with mobile financial services across the continent of Africa that has a huge market for all kinds of mobile services. Orange, one of the most prolific mobile financial services provider, is expanding further via a new partnership with Western Union to better meet the mobile services needs of its customers in Africa and Middle East.

The service will allow users to carry out simple banking operations and transactions in total security including money transfers – where users can send money using their phone to any Orange mobile customer in the country; payments – giving users an easier way to pay their electricity, water, television or phones bills, as well as providing a simple way to buy mobile phone credit from any location; and financial services – including solutions facilitating savings and insurance.

While all these services seem “financial”, analysts see the general penetration of mobile technology into the developing world as a great opportunity to facilitate services in other sectors such as governance, healthcare, education, agriculture, rural development, water and sanitation, and the overall economic development. Good partnerships among MNOs and between MNOs and other service providers that focus on the wider services should be the target for all.

GSMA has already initiated a number of programs that call for collaboration to leverage resources to better deliver these mobile services to the millions of rural folks currently left unconnected. Examples include:

m-Health service such as supporting community health workers in gathering and managing health information; capturing and analyzing data for disease surveillance; providing remote diagnoses via telemedicine; improving access to health information and resources through health hotlines; facilitating health education, training and emergency support; coordinating drug and medical supply distribution; enhancing rapid disease testing via mobile phone microscopy applications.

m-Farmer service aimed at driving scalable, replicable and commercially successful mFarmer Services; building services that impact farmers’ income and productivity; reducing the barriers for operators to launch or improve mFarmer Services; testing and proving models for delivering mFarmer Services via mobile phones; and promoting a culture of knowledge sharing in the mFarmer ecosystem.

m-Women service with the objectives of increasing access to mobile phones for 150 million women who live at the base of the pyramid over the next three years and leveraging the mobile channel to improve the socio-economic status of women across the developing world.

m-Learning service that will provide access to or deliver educational content and experiences through mobile devices using a number of technologies including Bluetooth, GSM/GPRS/3G, WiFi or WiMAX, via various mediums with the ability to learn anytime, anywhere.

It is time for the Mobile Network Operators (MNOs) to take advantage of these opportunities to maximize revenue for their investments and increase their social development impact on the society, especially the remote communities.

December 7, 2011/by actualize

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