Medic Mobile, a mobile health non-profit based in Washington D.C., announced the development of the first mobile SIM application for healthcare on June 6th. SIM apps can operate on 80% of the world’s phones ranging from $15 handsets to Android smart phones, so their potential use means reaching unimagined levels in data collection.

The SIM applications are menu based applications on mobile phones that reduce costs and increase accessibility for patients. Says CEO Josh Nesbit on his blog, “I can imagine all eight million global community health workers utilizing SIM applications to support their work and improve the lives of their patients.” Through these applications, patients don’t need to see a doctor, they can simply register their health data through the app and the data gets sent to health professionals who send feedback.

Medic Mobile is a pioneer in developing SMS based communication solutions. The organization started out with a project in Malawi where their SMS services saved clinical staffers 1,200 hours of patient follow-up time, thousands of dollars in costs and doubled the number of patients who were treated for Tuberculosis. Perhaps their most well known project came after the earthquakes that devastated Haiti. Mobile Medic created an SMS database where people could text the number “4636” to be tagged, mapped and subsequently assisted. Thousands of victims were rescued with this service.

SMS and SIM application based healthcare services can serve as a blueprint in the developing world to alleviate health burdens. Over half of all Africans use mobile technology, and according to an ITU report, over 70% of low and middle-income countries utilize mobile technology. Mobile technologies dominate any other technology in the developing world. They are cheap and conveniently accessible.

Photo Credit: Medic Mobile

Nesbit sees great potential and envisions applications that help patients schedule appointments, access remote consultations and connect with health care professionals during a medical emergency. Nesbit’s products are proof that mobile phones can be a game changer in providing healthcare. They can essentially serve as health professionals at any place and any time. Not even the developed world can claim that.

Medic Mobile, a mobile health company started in college by Josh Nesbit, is a trailblazer in the field.

The GSMA, a global body that represents the interests of over 1000 mobile operators and suppliers, launched the mFarmer Initiative Fund today, in Cape Town South Africa. The Fund, which will run until 2013, is backed by financial support from the Bill & Melinda Gates Foundation.

If successfully implemented, the mFarmer Fund will enable the provision of more efficient farm extension services to 2 million of the world’s poorest farmers. The Fund will target “mobile communications service providers, in partnership with other public and private sector agricultural organizations, to provide information and advisory services to smallholder farmers in developing countries living under US$2 per day”.

The initiative will target 12 countries: India, Ghana, Kenya, Malawi, Mali, Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia. However, the technologies developed and lessons learned will be shared globally. The mobile sector advocate said the initiative will function through competitive and deadline-driven grants. For more on the criteria for grants from the mFarmer Fund, please click here.

The Fund is part of GSMA’s thrust to fully deploy and integrate mobile technology into agricultural management, to boost productivity and ensure food security, under its flagship Mobile Agriculture (mAgri) Programme.

The GSMA project will further promote demand-driven, use inspired mobile tools for farmers. The rapid rise in mobile phone subscriptions, in even the outskirts of the developing world, presents opportunities to improve the lives of those at the bottom of the economic pyramid.

 


Mobile maternal health clinic on the road. Photo Credit: UNFPA

Nearly a year after the devastating floods in Pakistan, calls are being made by UNICEF health officials to expand capacities of mobile health clinics in the country. The clinics were first developed in response to the 2005 earthquakes in the northern region of Pakistan. Although the mobile clinics have touched hundreds of thousands of lives, more will be needed with expanded capabilities to ensure their long term impact.

In October 2005, the UNFPA joined hands with the Pakistani government and created mobile health clinics, whose main focus was on maternal health needs. By 2008, these clinics had treated over 850,000 patients, mostly for maternal and child health related issues. The clinics, still running, are staffed by women and are stocked with equipment and supplies for quality maternal health care. Since 2005, UNICEF has also become a key funder for mobile health clinics in Pakistan.

The UNICEF funded mobile health clinics tackle a variety of health issues, with an emphasis on maternal and child health. These clinics are staffed by three health workers, and treat up to 300 patients on a daily basis. After the emergence of the floods that affected 20 million people in Pakistan in July 2010, these health clinics became pivotal in reaching isolated populations.

Healthcare for women and children is better now than it was before the floods and the earthquake. However, despite the welcomed success of these mobile health clinics, there has been a call to expand the capacities for the mobile health clinics in order to make them more sustainable. This is where the world of ICT can step in and lend a helping hand.

The potential for impact is highest is rural and isolated areas where resources are poor and hardest to reach. According to a UNDP report, “ICT is yet to be widely mainstreamed to assist developing countries in addressing traditional development problems with innovative solutions and approaches that are both effective and more easily scalable and replicable.”

ICT services can complement existing initiatives such as the mobile health clinics in Pakistan to attenuate health burdens such as maternal mortality, which is what the UNFPA funded clinics focused on. This would be crucial in rural areas where ICT services would be invaluable. ICT services can potentially offer live video or audio feeds to health professionals when examining patients as well as educational classes to women from urban based instructors using the mobile clinics already in use.

Once ICT services are in place, NGO’s and government agencies can directly improve citizen access to information and at the same time, immediately strengthen their own capacities to help the citizens. Pakistan and other developing nations will only continue to reap the benefits for years to come.

A culture of collaboration between telecommunications giants and leading local universities make Kenya a leading player in the world of mobile innovations.

Today, three universities- Moi, Jomo Kenyatta University of Agriculture and Technology (JKUAT), and Nairobi University- s igned a deal with telecommunications supplier Huawei, and service provider Safaricom to “boost ICT skills among students in the east African nation”. Under the agreement, the curriculum will be refashioned to reflect industry trends. Students will be given real world exposure through a competition for Android applications development.

Huawei’s East African training center in Nairobi will be the focal point for much of the training. This puts Kenya on the cusp of honing the skills of the next generation of mobile innovators, which will accelerate the rapid pace at which it produces cutting-edge mobile apps.

Collaboration between industry and Kenyan universities is widespread. A consortium of stakeholders, including Nairobi University, joined forces to create m:lab, which is a leading force behind Kenya’s mobile application successes.

 

Kenya is arguable the epicenter of the worldwide mobile application frenzy. The east-African nation churns out a new top-rated, demand driven application nearly every six months. The latest innovation is iCow,

The face of a black cow on a can

iPhone screen shot of the iCow app

a voice based mobile information application for diary farmers. Green Dreams Ltd,  the developer, says iCow will help farmers optimally manage livestock breeding.

The earthy app is rapidly winning over agriculturalists and tech enthusiasts. It won first place in the recently held Apps4Africa competition, a U.S funded project. The iCow has also been lauded by the Social Development Network (SODNET) and Biovision Africa Trust.

The iCow will help farmers efficaciously track a cow’s estrus cycle, manage nutrition and breeding, which will enable them to yield more milk and calves—the two indicators of a cow’s economic value. This demand-drive and culturally appropriate technology complements the ubiquitous cellphone to address key agricultural challenges. Chief among these challenges are: Poor record keeping; outmoded and hard to acquire and comprehend calendars, including the cardboard wheel system; and the gaping information vacuum.

The iCow app address these problems. It will deliver prompt farmers about their cow’s nutrition, illness and diseases, vaccinations, milk hygiene, milking technologies and techniques. This will be done via a series of voice prompts and SMS messages that will be sent to the farmer throughout the cow cycle. Critically, the voice-based nature of this application combats the problem of literacy, a major impediment to ICT4D.

The iCow is Green Dreams’ most recent plugin for the flagship app, Mkulima Farmer Information Service and Helpline (Mkulima FISH), which is being developed.

Haiti’s post-quake food security show signs of improvement, which may get even better with the right mix of policy priorities. Although the Caribbean nation remains more food insecure than it was prior to the January 2009 earthquake, it is 13 percent more food secure than it was in the immediate aftermath of the earthquake.

In order for Haiti to meet the needs of its 2.5 to 3.3 million people thought to be food insecure, there ought to be a raft of bold nationally-led agricultural policies and projects. Haiti is in a prime position to chart this course due to its central position in the U.S initiated Feed the Future investment plan. This country-led initiative aims to foster food security and agricultural development in a truly endogenous manner. In other words, Haitians, like other Feed the Future countries, will have ownership over the process.

Although Haiti’s agricultural productivity hinges on a myriad of bold policy initiative, in my view, two things top the agenda: 1) The establishment of a national ICT policy with key focus on agriculture; and 2) The decentralization of agricultural management and educational facilities.

Despite demonstrable economic gains worldwide from ICTs in agriculture, Haiti still lacks a national ICT policy. A clear ICT policy will provide a guide for action for multilateral agencies, national action and NGO involvement in the ICT for agriculture sector. Haitian farmers are subjected to ad hoc marketing systems, a wide range of anthropogenic shocks, natural disasters, and limited information to make sound cost-benefit analysis. A solid national ICT policy will provide a basis for Haiti and its transnational donors to tackle these challenges in a coordinated manner—eliminating the well-entrenched culture of duplication.

It is imperative that the state take a lead on this to build its credibility and bring order to a development landscape dominated by NGOs—there is one NGO for every 3, 000 Haitian. Since the 1970s , NGOs have steadily gained a toehold in the country. This is largely because of the perception of endemic corruption within the Haitian government.

While I believe that ICTs ought to be used at all three major stages in the agriculture sector –pre-cultivation, crop cultivation and harvesting, and post harvest— it is most critically needed at the first juncture, pre-cultivation, crop selection, land selection, accessing credit and itemizing when to plant. If given the information for the proper selection of the best crops to plant according to their land type, access to input and generous credit, Haitian farmers will be well positioned to make proper cost-benefit analysis and thrive.

To achieve this, the ICT policy must emphasize the use of GIS and remote sensing. GIS and remote sensing technologies may be used to gather information on soil quality and available water resources. This will aid irrigation strategies in Haiti where water management is poor. Further more, the ubiquitous nature of cellphones in Haiti means that this information may be easily disseminated. Farmers may also be alerted about where to get seeds/other inputs and access credit.

To this end, Haiti ought to decentralize its agricultural framework. Haiti has evaded decentralization proposals for decades, but as the post-quake scenario shows, new life ought to be bred into this initiative with urgency. One third of newborn babies are born underweight. Acute under nutrition among children under five years old is five percent and a third of them suffer from chronic under-nutrition.

The collaborative work being done by the Les Cayes campus of the University of Notre Dame d’Haiti (UNDH), an innovative agronomy school, attests to the importance of decentralization. “The University uses its 40 acre farm as a catalyst for outreach, to assist poor farmers in building sustainable livelihoods, to map and protect biodiversity, and to expand civic participation among the rural poor.” Through these interventions, UNDH seeks to contribute to sustainable development and governance, important factors in rebuilding Haiti after the earthquake.

 

The emergence of IBM’s Spoken Web, a mobile innovation that eliminates literacy as a precursor to access the internet, is a game-changer in the ICT for Agriculture sector.

Unlike other efforts to bridge the global information divide, even people with limited to no functional literacy skills will find Spoken Web user-friendly. With nearly 800 million functional illiterates around the world, the inability to read remains a major impediment to the use of ICT4D. This is most acute in the most remote parts of the developing world where livelihoods and agriculture are inextricably linked.

The mobile innovation is essentially a world wide network of VoiceSites joined to make the Spoken Web. Its most essential hardware is a telephone, which people use to browse VoiceSites by saying keywords, also known as VoiLinks.

This rapidly progressing network of voice recordings is predicated on a system called VoiGem, which simplifies the process of creating voice-based applications. VoiGem is unique compared to existing interactive voice response technology because it allows users to create their own VoiceSites that consists of voice pages (VoiceXML files) that may be linked. Each page is identified by the user’s phone number. This identification mode allows the user to easily edit VoiceSites and pages from their phone.

The mobile-centric nature of this development reflects a global trend and complements a development need, particularly for agriculture. Although small scale farmers, scattered across some of the most far-flung places around the globe, make up a large portion of the 5 billion people without access to the internet and computers, a growing number of these people own cellphones. In fact, farmers constitute a strong contingent among the 3 in 4 people worldwide who own mobiles. Although only a fifth of those with mobile subscriptions worldwide have access to mobile broadband services, the International Telecommunication Union (ITU) “predicts that within the next five years, more people will hop onto the Web from laptops and mobile gadgets than from desktop computers”.

As more farmers join the growing legion of wired folks, they will have faster and more reliable opportunities to access and share information. This development will reduce information asymmetries, structure and strengthen agricultural markets by bringing the internet to parts of the world where small scale farmers, consumers, middlemen and traders have limited knowledge about where to access and trade food.

The technology is also culturally appropriate given the oral nature of many cultures in the developing world. Farmers will also have the opportunity to efficaciously share valuable indigenous farming retentions.

As with most things, the Spoken Web also comes with challenges. Chief among the challenges is that though voice-recognition technology can match search terms against a previously processed index of recorded voice sites, it presents cumbersome results. However, the technology is being refined to be more precise. Precision is especially important because farmers and other end-users will not be able to retain all the information found on lengthy voice pages/sites, and they may not have the literacy skills to jot down points. Interestingly though, the Spoken Web comes with a fast-forward feature that enables the user to listen as if they were skim-reading.

Despite these challenges, the technology has been successfully piloted in eight Indian villages. It is now a central part of farming and health-care delivery in four Indian states, parts of Thailand and Brazil.


Woman with a phone with the Esoko app.

Esoko application billboard in Accra, Ghana

The global movement to improve agriculture and natural resources management through ICT takes center stage this week at the fourth InfoDev Global Forum in Helsinki.

Though in its nascent stage, the forum attracts a wide cross-section of attendees (business incubator managers, policy-makers, SMEs, financiers and development agencies)  from around the globe “for a unique South-South and North-South networking and knowledge-sharing experience”.

The four day forum, which ends on June 3, zeros in on mobile applications for agri-businesses and clean technologies. Yesterday, a  high level panel discussion featuring experts from the World Bank, FAO, AgriCord, Uganda and Kenya examined the varied use of mobile technology in agriculture and the management of natural resources, namely forestry. The discussion was a prelude to the launch of a new virtual resource that the experts believe will function as a “living updatable document”.

The e-Sourcebook “Information and Communication Technologies for Agriculture” will be released in October. The resource will feature a plethora of ICT innovations and examine their potential to improve agricultural development.

This year marks the fourth staging of the bi-annual event, which is functioning within the framework of a joint program with the Government of Finland and Nokia to create sustainable businesses for a knowledge economy. The $17 million program seeks to enhance the competitiveness of the information and communication technologies (ICT) and agribusiness sectors in small and medium sized emerging markets.

A key feature of the two year initiative is the use of mobile technologies to provide content, services and applications for developing countries. This development comes less than a year after global mobile subscriptions topped five billion, according to the International Telecommunication Union (ITU).

Despite improvement in mobile subscriptions, access to fixed phone lines and internet usage, the ITU says one billion people worldwide still lack connection to any kind of ICT. This is particularly problematic for the drive to improve agriculture as  most  people without access to any form of ICT depend on agriculture to some extent  for their livelihoods.

The Global Forum was last held by Brazil in 2009.

Last week the World Bank published a new book titled “Protecting Mobile Money Against Financial Crimes: Global Policy Challenges and Solutions” which serves as a practical guideline for relevant industries and governments to regulate mobile money transfers.

Banking services on mobile phones for both domestic and international transfers in developing regions has become a huge industry. Companies and project such as Global GCASH and SmartMoney in the Philippines América Móvil in Mexico; Wizzit in South Africa; Celpay in Zambia/Tanzania/DRC; and Safaricom’s infamous M-Pesa in Kenya, have emerged with viable banking solutions for the world’s poor. According to GSMA, over 1 billion customers have access to a mobile phone but no access to formal financial services and over 80% of mobile banking services are taking place in developing markets.

However, the demand for guidance and technical assistance in creating a legal framework to make these transfers secure is equally profound. Regulatory regimes consistent with the international anti-money laundering (AML) and combating the financing of terrorism (CFT) in new mobile money phone financial services have remained vague.

Written by Pierre-Laurent Chatain, Andrew Zerzan, Wameek Noor, Najah Dannaoui and Louis de Koker, the book’s provides sensible guidance for jurisdictions and internal systems to draft regulations and guidelines in order to comply with the AML/CFT standards with the mobile money transfers. The guidelines are flexible enough for their mobile money to continue to grow.

In particular the paper aims to :

  1. Assesses the new AML/CFT regulations and practices and their relation to mobile money;
  2. Cultivate guidelines for drafting AML/CFT regulations that cover mobile money, and:
  3. Provides examples of best practices within the industry to include AML/CFT in their own business models

This is a great resource for anyone in the mobile banking industry, or government agencies, who want to include the standardized measures of AML and CFT in their business models, or in their regulations, for customer’s transfers.

This report was released last week about the mobile money service M-Paisa in Afghanistan. It provides some intriguing insights on lending issues faced by Afghans and the mobile banking services rapidly emerging in their country.

The product branded M-Paisa in Afghanistan was initially piloted by local operator Rashon in collaboration with Vodafone, to provide microloan disbursement and repayments for MFIs as well as a person-to-person money transfers. According to the M-Paisa website they offer safe, reliable and fast access to a range of financial services including:

  • Person to person money transfer.
  • Disbursement and repayment of microfinance loans.
  • Airtime purchases.
  • Merchant payments.
  • Disbursement and receipt of salaries.

With low levels of fixed bank infrastructure and rising mobile penetration, it seemingly appears that the cheap and secure features prominent in mobile banking would lead to a rapid adoption of its services in Afghanistan.

However, Rashon soon found that they faced numerous consumer barriers central to the service’s overall adoption in Afghanistan. With a population of 30 million people, 36% of who live below the government defined poverty line and 74% of who are illiterate; Afghanistan is the poorest country in the world outside Africa.

Therefore, textual, mobile and financial illiteracy was one of the largest hurdles that the company had to overcome.  Since consumers could not use SMS to transfer funds, Roshan developed an Interactive Voice Response (IVR) system in three languages, English, Dari and Pashto.

Other issues that the authors concluded was a general distrust of financial institutions that go against the well established Hawala agent network, and a commonly established distrust of non-tangible assets.  There was also a common “chicken and the egg” problem of investing in a branchless banking agent network without an adequate amount of customers—and customers less willing to try out the service—without there being a strong agent network. The authors of the report stated:

But M-paisa is caught in the tricky position that faces all services requiring network dynamics—to succeed, they must educate and nurture both consumers and agents, neither of which has much incentive to jump in first without the other being around.

The authors of the report, Jan Chipcase and Panthea Lee, traveled to Afghanistan in August 2010 to four different cities to explore traditional money and emergent mobile money practices in Afghanistan.  While in the field they conducted in depth interviews of three potential mobile customers and one M-Paisa agent, their main goal being to contribute to the knowledge base of the mobile money community.

They sought to build on research such as Portfolios of the Poor, which highlighted the strategies the poorest members of societies use to manage their limited resources, as well as the sector-galvanizing discussions led by the World Bank’s consultative Group for the poor and the GSMA’s Mobile Money for the Unbanked initiative.

Throughout the author’s studies, they concluded that with the growth in mobile penetration, the trust in service providers is also beginning to surface. Brand recognition and trust in Roshan and other service providers has been gradually expanding. Concurrent with the evolution of cell phones being a staple in Western society, the authors believe that M-Paisa have a great opportunity to transform Afghan society.

Just as mobile telephony isn’t as much about the phone as it is about the conversation, mobile banking is not about the money—it’s about what the money can enable.

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