Photo Credit: EasySMS

EasySMS mobile app intends to enable illiterate people to “read” SMS on Windows Phone 7; understand the meaning of each word of the SMS; and write SMS using icons with sound support and SMS recomposition from previous SMSs.

It is a Windows phone application which empowers illiterate people to read, compose, send text messages to their contacts, and helps managing contacts in an innovative and funny way through text-to-speech solutions.

The design and development of the app is based on the premise that about 800 million illiterate people are excluded from the benefits of text messaging and most of them reside in rural areas in which mobile phone coverage and ownership is growing rapidly and SMS are cheap or even free. Using a touch screen with simple icons, illiterate users may be able to use their mobile device to navigate through text messages, highlight words from incoming messages, listen to them, and then add them to new messages.

Considering the huge current market size of the users of the application, the developers are very ambitious, optimistic, and believe that their work will lead to the creation of more tools to help illiterate people gain access to information and technology.

Below is the preview of the app:

 

Illiteracy and Smallholder Farming

A major challenge, I believe, facing the ICTs for Agricultural Development Sector in most developing nations is the high illiteracy levels among the smallholder farmers. As a result, the success of this app will be a success to the ICT4Ag community. It is a laudable initiative which is still at the teething stage and needs a lot of support for improvement.

Several discussions, forums, and debates have been taking place over the years to find alternative models to delivering agricultural information to farmers in the developing nations who cannot read or write. At the same time, with the unprecedented growth of mobile phone among these same group of people, it is a great move to take advantage of the technology. The dominant mode at the moment seems to be SMS or text messaging with its two main limitations – the illiteracy barrier and the amount of information that can be transmitted at a time. EasySMS may be able to reduce the former while the latter still stands.

Designing for Today or Tomorrow?

But my question (as derived from the title of this blog) is – what is our priority? To sustainably address the illiteracy problem by educating our rural folks now, so that they can easily access agricultural information tomorrow or to continue investing in applications that help address the challenge of today’s illiterate farmer in accessing the right information? In other words, how can we modify our ICT4Education programs for long term solutions to the illiteracy problem in the rural farming communities in order to impact ICT4Agriculture programs?

I believe it is time for the ICT4Ed and ICT4Ag communities to begin sharing notes. In order for ICT4Ag applications and projects to have tangible impact on the rural farmers, they must get the basic education necessary to use these apps. While the EasySMS app takes an interesting approach that could eventually create a new breed of “literate” rural folks through the use of these visuals (computer icons) and voice support, we should not forget to catch the future literate farmers while they are young. In doing so, we will be on the path of tackling the information barrier through both short term and long term approaches.

Photo Credit: M-Farm

M-Farm is an award winning mobile solution for agribusinesses and farmers currently being piloted in Kenya. It is an SMS and web-based application focused on improving weaknesses in the value chain. It is a transparency tool for Kenyan farmers to get information pertaining to the retail price of their products, buy their farm inputs directly from manufacturers at favorable prices, and find buyers for their produce.

Why M-Farm?

The M-Farm solution was developed based on the marketing challenges of rural farmers in Kenya. Smallholder farmers unaware of the market of the various commodities, produce in excess and are faced with the problem of getting the worth of their produce. Poor information on farm inputs and lack of access to these inputs such as fertilizer, seed, agrochemicals and other equipments are huge obstacles to increasing farmers’ productivity. The inability of the farmers to transport their produce to regional markets after harvesting also leads to the exploitation by middlemen who offer meager prices for the produce, and even delay payments for the commodities.

M-Farmers’ Approach

The M-Farm solution aims at giving farmers a voice by connecting them with each other in a virtual space for access to affordable farm inputs and also be able to sell their produce collectively. Specifically, the solution works through:

  • Price Information: M-Farm enables farmers to inquire current market prices of different crops from different regions and/or specific markets
  • Group Buying: M-Farm is able to aggregates farmers needs/orders and connect them with farm input suppliers
  • Group Selling: M-Farm enables farmers to sell collectively and connect them with a ready market thereby increasing their productivity.

M-Farms’ Solution

The M-Farmer solution has taken advantage of the on-going phenomenal growth of mobile technology across Africa. With access to the Internet yet to have impact on rural farming in these areas, M-Farm has adopted an SMS-based solution for achieving its goal.

Farmers in Kenya simply SMS the number 3535 to get information pertaining to the retail price of their produce, buy their farm inputs directly from manufacturers at favorable prices, and find buyers for their produce. Also, M-Farm has a contract with a local exporter, who buys the produce directly from the farmers using their mobile devices thereby minimizing the transportation challenge. This gives farmers access to a reliable and guaranteed market that enjoys stable year-round prices while eliminating middlemen and lowering transaction costs.

Below is a 2-minute clip on the winning of M-Farm’s IPO48 competition featuring Jamila Abass, a co-founder and CEO of MFarm Ltd (K) and other team members.

 

Access to M-Farm is by subscription with a free 30-day trial for users. For more information on M-Farm, visit here.

Photo Credit: 8Villages.com

One of the new ICT solutions that I have discovered and love to share with agricultural commodity value chain implementers is 8Villages, a mobile platform that links farmers to their communities of peers, input suppliers, and their external business partners.

Below is a short discussion that I had with the Founder and CEO of 8villages Mathieu Le Bras, when I spoke to him on skype from Singapore this week:

Question: A social network app for farmers – what type of farmers are you talking about?

In his response, Mathieu who is an agronomist by profession with over 10 years of experience working with smallholder farmers in the developing nations was very confident of what his ICT solution is all about. His answer was yes, a social network platform for smallholder farmers.

Of course, the follow-up question was what is the literacy level of these smallholder farmers that you are talking about?

With the current focus of 8Villages solution on Asia, beginning from Indonesia, the CEO painted a bright picture about the literacy level of the targeted farmers which is in contrast to the situation in Sub-Saharan Africa. The Global Educational statistics shows that about 48% of Indonesians live in rural villages with around 42% of its labor force in agriculture. The interesting part of this statistics is that, most children in Indonesia have high literacy rate, with around 90% of adults able to read and write. The CEO confirms this that, a very high percentage of the users of the platform are able to read and write and are perfectly using the online platform.

That said, the literacy barrier may be overcome for the users of 8villages mobile platform.

My next concern was about content for the users. Mr Le Bras as an agronomist perfectly understands the importance of quality agricultural content for successful farming by the smallholder farmers. 8Villages according to the CEO, depends on user-generated content by the users of the platform. 8Villages then uses its platform to extracts and share the content with the potential users.

So how is this done?  Mathieu described the system as an online network that combines voice, SMS and the Internet to connect farmers and their partners. The platform allows users – farmers and agribusinesses to generate microblog posts about their products, share brand comparison, give feedback on products and farming techniques, and attend trainings provided by experts.

On the nature of the existing social network among farmers, Mathieu argued that for most of these ICT solutions to work, developers and program implementers need to understand how farmers behave. He explained that smallholder farmers have strong and rich social network within their communities and these networks should be utilized when thinking of communication tools for the farmers.

For more information on why the platform, and the potential benefits to the users, visit 8Villages.

Western Union and the MTN Group today announced the launch of a mobile money transfer service in Uganda enabling MTN customers to send and receive money via their mobile phones.

cell phone sitting on paper money

MTN and Western Union teaming to promote mobile money in Uganda. (image: file)

This service was announced at a press conference today in Kampala. The Western Union/MTN mobile money transfer service in Uganda will allow users cut down on visits to Western Union branches to pick up cash. Instead, they can “pull” transactions into their MTN Mobile Money accounts.

To access the service customers need an active MTN Mobile Money account.

“Our network of nearly half a million locations, our experience in moving money across borders, and our relationships with the world’s most successful mobile operators such as MTN, ideally position us to introduce many people to cross-border financial services,” Western Union President Diane Scott said.

“We currently have more than 2 million Mobile Money customers, and we continue to grow exponentially. By joining forces with Western Union, our customers can now receive funds directly in their MTN Mobile Money accounts quickly and easily,” MTN Group Chief Commercial Officer Christian de Faria said.

Staff writer

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?

Kenya’s leading telecom provider Safaricom announced on Tuesday that it was upgrading its mobile money platform M-PESA to a newer version, hoping to make doing financial transactions wirelessly a bit easier.

Safaricom logo

Safaricom set to upgrade their M-PESA platform. (image: biztechafrica.com)

According to the company, the new system “will enable users to make instant payments for corporate services such as insurance.

“The migration, to be done in the next few years, will enable M-Pesa users to instantly pay electricity bills,” the company said.

Other mobile service providers in the country have called on Safaricom to allow them access to the platform, and have repeatedly said they would be willing to pay royalties to the company. Safaricom has thus far refused.

“It will also save customers inconveniences such as disconnections that occur as the current platform reconciles the transactions,” the company continued, adding that the new service will reduce the time it takes to make payments on bills.

“It takes 48 hours for payments made to Kenya Power, for instance, to reflect on the electricity distributor’s systems, while those to the National Hospital Insurance Fund (NHIF) take 76 hours,” the company added.

The new service will also provide users the ability to use the mobile money platform to pay for items online instantly, with a balance being reduced with every purchase, instead of having to be forced to wait until payment clears.

Safaricom also added that in order to reduce costs, part of the M-Pesa servers in Germany will be relocated to Kenya in order to improve “the reliability of the mobile money platform and cut down on overheads”.

Joseph Mayton

One of Nigeria’s leading telecoms, UAE’s Etisalat, revealed their subscriber base increased from 6.8 million January 2011 to 10.8 million by December 2011. Just under 59% growth.

UAE’s Etisalat has revealed that its business increased from a subscriber base of 6.8 million to 10.8 million (image: Etisalat)

UAE’s Etisalat has revealed that its business increased from a subscriber base of 6.8 million to 10.8 million (image: Etisalat)

Steven Evans, Etisalat Nigeria’s CEO, mentioned these figures in Lagos during the Etisalat Heroes Awards where the best performing distribution partners who contributed to the growth and business success of the company in Nigeria were rewarded.

The CEO thanked the distribution partners for their support in last year’s business activities and stated, “2011 was a very eventful and fruitful year for the brand and this was made possible by the fact that we are surrounded by the best business partners any young but fast growing business can hope for.”

The distribution networks of the partners which has helped to ensure the pan Nigeria distribution and penetration of Etisalat products and services were also commended for their valued efforts.

Chief Uzoma Obiyo, Multi-net Group Ltd Chairman/Group CEO, thanked Etisalat Nigeria for the gesture and described Etisalat Nigeria as a worthy and caring business partner, speaking in behalf of the winners.

He commended the company for their innovative products and services which has helped it achieve a lot in its very short time of operation in the country.

During the award, partners were rewarded in nine categories namely; Best Trade Key Account; Distribution Partner with Highest Airtime Sales; Best Data Distributor; Distribution Partner with Highest SIM Activations; Best E-Top Up Distributor;  Distribution Partner with Best Dedicated Outlet; Distribution Partner with Highest SIM Registrations; Distribution Partner with Highest Dealership Growth and Distribution Partner with Best Overall Performance.

The winning partners were presented with glittering plaques, certificates and prizes like cars, inverters, heavy duty generators, refrigerators, laptops, solar notebooks, inverters, among others. The Top 3 Best Distribution Partners were the biggest winners of the night and they had a choice of choosing between a Mitsubishi Pajero and Toyota Prado for being the best overall performers nationally.

Segun Adekoye

Ericsson, leading mobile phone company, and MTN, Africa’s largest telecom operator, announced a strategic new partnership to boost the m-wallet services in Africa and the Middle East.

Christian de Faria, MTN Group Chief Commercial Officer

Christian de Faria, MTN Group Chief Commercial Officer, delighted to partner with Ericsson on expanding m-wallet. (image: file)

Christian de Faria, MTN Group Chief Commercial Officer, delighted to partner with Ericsson on expanding m-wallet. (image: file)

Announced at the Mobile World Conference in Barcelona, Spain on Monday, MTN will become the first operator to officially deploy the Ericsson’s Converged Wallet platform. Both companies said the service is “a new complementary service to the integrated pre-paid charging system and mobile financial services solution for MTN consumers in those regions”.

The new m-wallet reportedly delivers a fast track route for MTN to introduce relevant, new and differentiated m-wallet market offerings to its Mobile Money customers.

As part of the co-operation, Ericsson said it would offer a prime integrator engagement model encompassing “software, systems integration and managed operation services”.

Christian de Faria, MTN Group Chief Commercial Officer, said, “Optimizing the Mobile Money consumer experience directly impacts consumer stickiness, and with Ericsson Converged Wallet we can now address our strategic priorities by enabling rapid response to our consumer’s preferences and expectations”.

MTN said it currently has more than 5 million mobile money subscribers in 12 African countries.

“2012 will be the year of partnerships across the emerging m-commerce eco-system. MTN has long been an early adopter in mobile money, and this new partnership builds on our ongoing relationship of collaboration,” said Hans Vestberg, Ericsson President and CEO.

“Driving accelerated time to market for operators and linking wallet accounts to purchases across multiple payment systems is a clear next step in next generation mobile financial services.”

Joseph Mayton

Photo Credit: AMIS-Cameroon

AMIS-Cameroon is bridging information gap in the African country of Cameroon by connecting farmers with vital information through SMS thereby boosting sustainable agricultural activities that promote the UN’s Millennium Development Goals 1 (Eradicate Extreme Poverty and Hunger), 3 (Promote Gender Equality and Empower Women), 7 (Ensure environmental Sustainability), and 8 (Develop a Global Partnership for Development).

AMIS-Cameroon uses information and communication technologies (ICTs) to create connections between farmers and agricultural technicians to encourage them to support each other through mutual advice and knowledge sharing. Through information hubs that are located in the rural farming communities, AMIS-Cameroon gathers product information and send via SMS to consumer groups who buy at farmers’ prices.

The project is using a fully coded, fully automated 24/7 information feedback loop which farmers and consumers can consult for their different needs. The concept has undergone a thorough field investigation sponsored by SPIDER.ORG and currently seeking financial support to carry out a massive outreach that would enable scaling to serve the over 12 million Cameroonian farmers. The model is simple and is replicable.

GBI followed up with AMIS-Cameroon to understand how such a simple SMS innovation can help address the United Nations Millennium Development Goals 1, 3, 7 and 8. Below is the response from Tambe Harry Agbor, the Executive Director of Amis-Cameroon.

Photo Credit: UN MDGs

AMIS-Cameroon and MDG 1: Eradicate Extreme Poverty and Hunger
The problem of Cameroonian farmers is  a small reflection of what African farmers in general suffer from – acute lack of information. This lack of information means that from planting, to harvesting through location of markets to sell their products, farmers are not expose to information that predisposes them to carry out informed investment decisions to create wealth for them and their families. Given that the shelf-life of most of these agricultural products is very short, any unsold products end up as waste within the immediate vicinity of the farming population, since they do not have information about far flung markets where their products are in demand for a better price. Thus both farmers and consumers remain confined to a vicious cycle of poverty (for the farmers-since they cannot sell their products to create wealth) and hunger (for the consumers-who do not get these products which the farmers dump or give to animals)

At AMIS-Cameroon, we use SMS technology to target these alienated groups with information that brings them together in a mutually beneficial relationship  where farmers can sell their products profitably and use the money to take care of life’s basic necessities such as the health and education of their children on the one  hand, and on the other hand the consumers get information about where to locate nutritive products which can keep starvation and hunger at bay.

AMIS-Cameroon and MDG 3: Promote Gender Equality and Empower Women

AMIS-Cameroon democratizes the process of information dissemination. Most of our cultural values in Africa relegate women to the role of passive observer even if it is “she” who has the ideas that would take her family out of the stigma of poverty. Thus when we send the same information to both men and women, informing them how to plant crops formerly reserved for males, we are in effect giving both groups the impartial possibility to make use of the information at their disposal to best advantage. Some women farmers have till date not been able to carry out the production of certain food crops which are considered crops for men.

Furthermore, the possibility to earn stable incomes from agriculture has caused some parents to rethink their position on girl child education. When the family is poor, everything is done to make sure that the girl child stays at home and work so that her brother can get an education. But when we send out information which has the ability to connect farmers to markets, and increase the revenue streams of the family, parents then tend to feel more comfortable to invest also in the education of their girl child. Hence educated women can also vie  for public office based on the possibility of their families to crawl out of the $2 per day curse to earning higher income returns that prioritizes girls’ education on the same level with boys’ education.

AMIS-Cameroon and MDG 7: Ensure environmental Sustainability

For the past decades, farmers have essentially been farming in the dark. Through ignorance, they have continued to deplete irreplaceable ecosystems and damaging the essential web of life so central to our very existence. It is not uncommon in most Cameroonian villages today for families to walk for very long distances before getting wood to cook their food, or even fauna to spice their delicacies. The fast encroaching desertification in most of our Sub-Saharan countries is a testimony of the extensive damage done to the environment through irresponsible farming practices where whole forests are destroyed, soil-enriching microorganisms killed, and loosed sub soils washed away by erosion.

In collaboration with sustainability experts and agronomists, we deliver timely advice via SMS to new entrants into the farming profession so that they can carry out responsible practices that preserve the fragile ecosystems which have been stretched to their limits by centuries of uncontrolled practices that harm none other than the farmers themselves.

AMIS-Cameroon and MDG 8: Develop a Global Partnership for Development

When we started the AMIS-Cameroon Project, one of the most recurrent complaints we encountered in the field was that experienced farmers have always refused to share their know-how with younger inexperienced farmers. We instituted an information exchange forum for farmers whereby farmers in region A tell us what must be done for a particular crop in order to enhance its productivity. When we visit Region B we shared this information with them, and those in Region B in turn become more willing to share their own experiences which we take back to farmers in region A. Through this practice we got farmers to understand that they are winners when they share agricultural technologies with one another, and that they stand to lose everything if they hide their knowledge. By encouraging them to ‘Think Development locally’ we let them see just how possible it is for them to ‘Develop Globally’.

Through our portal at www.amis-cameroon.org, we receive product requests for farmers in Cameroon from consumers from abroad. We then blast such SMS locally and farmers are rallied at short notice to supply their nearest product depot where our chain of organized transporters pick them up and deliver for onward delivery to clients.

Impacts of AMIS-Cameroon

In conclusion, AMIS-Cameroon has developed 10 business models which if sponsored shall generate direct employment and create sure revenue streams for all actors involved along the value chain. Some of the significant achievements of the project so far include increased in subscriber base from an initial 200 farmers in 2009 to well over 1500 by 2010 by providing 4 SMS per week to these users. In 2011, bee farmers in Kumbo village in Cameroon were connected to new markets enabling them to increase their sales by over 50% in markets that knew nothing about their natural honey. The project has also created a very important partnership with KIP Solutions, a firm based in the USA that is helping to define better strategies to further the vision of the project.

For more information and to support this vision of bridging information gap for African farmers, visit AMIS-Cameroon.

A view of the mobile account screen shot on the FNB app (image source: file photo)

A view of the mobile account screen shot on the FNB app (image source: file photo)

FNB today announced that its customers can now buy FNB Vouchers using Cellphone Banking and send to friends on Facebook. FNB Vouchers on Facebook is another first by a bank in South Africa.

A view of the mobile account screen shot on the FNB app (image source: file photo)

FNB Vouchers are targeted at Facebook users in South Africa. This innovative product enables FNB customers registered for Cellphone Banking to send gifts to their Facebook friends — the recipient of the FNB Voucher can redeem it as Prepaid Airtime or convert it to cash by using the bank’s eWallet service.

CEO of FNB Cellphone Banking Solutions, Ravesh Ramlakan says, “Constant Innovation is what drives us at FNB. It is through innovation that we are able to design and deliver solutions that add convenience to the lives of our customers. FNB Vouchers is such a solution.”

Safety is an important element of this new feature. During the buying process, the customer creates a unique PIN for each voucher.  This unique PIN is then used by the customer to post the voucher onto a friend’s Facebook wall. Only Facebook friends with a South African Cellphone number can redeem these vouchers. FNB Cellphone Banking customers can buy these vouchers from R25 – R300, with limit of R1500 per day.

“The face of banking as we know it is continuously changing and as a bank we have seen the benefits of keeping abreast with the move towards the virtual world. With increasing numbers of people joining and using social networks daily, this move was natural for us in terms of extending our reach and customer base,” concludes Ramlakan.

Staff writer

Copyright © 2020 Integra Government Services International LLC