Fighting Poverty, Profitably: Transforming the Economics of Payments to Build Sustainable, Inclusive Financial Systems

The Gates Foundation's Financial Services for the Poor program (FSP) believes that effective financial services are paramount in the fight against poverty. Nonetheless, today more than 2 billion people live outside the formal financial sector. Increasing their access to high quality, affordable financial services will accelerate the well-being of households, communities, and economies in the developing world. One of the most promising ways to deliver these financial services to the poor -- profitably and at scale -- is by using digital payment platforms.These are the conclusions we have reached as the result of extensive research in pursuit of one of the Foundation's primary missions: to give the world's poorest people the chance to lift themselves out of hunger and extreme poverty.FSP conducted this research because we believe that there is a gap in the fact base and understanding of how payment systems can extend digital services to low income consumers in developing markets. This is a complex topic, with fragmented information and a high degree of country-by-country variability. A complete view across the entire payment system has been missing, limiting how system providers, policy makers, and regulators (groups we refer to collectively as financial inclusion stakeholders) evaluate decisions and take actions. With a holistic view of the payment system, we believe that interventions can have higher impact, and stakeholders can better understand and address the ripple effects that changes to one part of the system can have. In this report, we focus on the economics of payment systems to understand how they can be transformed to serve poor people in a way that is profitable and sustainable in aggregate

Location based mobile computing - a tuplespace perspective

This is the post-print version of the Article. The official published version can be accessed from the link below - Copyright @ 2006 IOS PressLocation based or "context aware" computing is becoming increasingly recognized as a vital part of a mobile computing environment. As a consequence, the need for location-management middleware is widely recognized and actively researched. Location-management is frequently offered to the application through a "location API" (e.g. JSR 179) where the mobile unit can find out its own location as coordinates or as "building, floor, room" values. It is then up to the application to map the coordinates into a set of localized variables, e.g. direction to the nearest bookshop or the local timezone. It is the opinion of the authors that a localization API should be more transparent and more integrated: The localized values should be handed to the application directly, and the API for doing so should be the same as the general storage mechanisms. Our proposed middleware for location and context management is built on top of Mobispace. Mobispace is a distributed tuplespace made for mobile units (J2me) where replication between local replicas takes place with a central server (over GPRS) or with other mobile units (using Bluetooth). Since a Bluetooth connection indicates physical proximity to another node, a set of stationary nodes may distribute locality information over Bluetooth connections, and this information may be retrieved through the ordinary tuplespace API. Besides the integration with the general framework for communication and coordination the middleware offers straightforward answers to questions like: Where is node X located? Which nodes are near me? What is the trace of node Y

Savings: A Gateway to Financial Inclusion

This document presents recent savings work and includes a three-year project with four of our network members. At the outset of the project titled Safe Places to Save, Women's World Banking conducted targeted research and diagnostics in four markets (Colombia, Pakistan, Kenya, and the Dominican Republic) but our analysis of the impact of savings on women's lives dates back to 1999 when Women's World Banking began building a significant body of market research on savings. Four of our early studies focused explicitly on the demand and feasibility for savings services. Data were also drawn from research into the drivers of customer satisfaction and loyalty carried out in multiple markets. In addition, Women's World Banking has conducted in-depth research studies to better understand the ways in which women's roles within poor households affect the allocation of time and money and financial behaviors. Unique in the field of microfinance, these five studies yielded striking insights into the ways men and women see themselves, and each other, as economic actors, and what those perceptions mean for financial institutions seeking to provide savings

Proximal business intelligence on the semantic web

This is the post-print version of this article. The official version can be accessed from the link below - Copyright @ 2010 Springer.Ubiquitous information systems (UBIS) extend current Information System thinking to explicitly differentiate technology between devices and software components with relation to people and process. Adapting business data and management information to support specific user actions in context is an ongoing topic of research. Approaches typically focus on providing mechanisms to improve specific information access and transcoding but not on how the information can be accessed in a mobile, dynamic and ad-hoc manner. Although web ontology has been used to facilitate the loading of data warehouses, less research has been carried out on ontology based mobile reporting. This paper explores how business data can be modeled and accessed using the web ontology language and then re-used to provide the invisibility of pervasive access; uncovering more effective architectural models for adaptive information system strategies of this type. This exploratory work is guided in part by a vision of business intelligence that is highly distributed, mobile and fluid, adapting to sensory understanding of the underlying environment in which it operates. A proof-of concept mobile and ambient data access architecture is developed in order to further test the viability of such an approach. The paper concludes with an ontology engineering framework for systems of this type – named UBIS-ONTO

'Milking the Cow': Young Women's Constructions of Identity, Gender, Power and Risk in Transactional and Cross-Generational Sexual Relationships

This report presents the findings of a qualitative study carried out in Maputo, Mozambique, among women engaged in cross-generational transactional sex. Cross-generational sex is contributing significantly to the spread of HIV/AIDS in Mozambique and as such is a key area for behaviour change interventinos, although few organisations are currently addressing the issue. The study reveals thta young women engaged in cross-generational and transactional sex have a complex sexual network involving multiple partners, including both transactional and non-transactional relationships.The study was carried out between October and November 2004, using the PEER (participatory ethnographic evaluation and research) method. PEER is an innovative approach to programme research, evaluation and design, based upon training members of the target group (peer researchers) to carry out in-depth qualitative interviews among their peers. Twenty young women in the age group 16-25 years, living in and around central Maputo were recruited as peer researchers. Each peer researcher interviewed three peers and conducted three separate interviews with each peer, with a total of 180 interviews carried out

Blackboard Rules for Coordinating Context-aware Applications in Mobile Ad Hoc Networks

Thanks to improvements in wireless communication technologies and increasing computing power in hand-held devices, mobile ad hoc networks are becoming an ever-more present reality. Coordination languages are expected to become important means in supporting this type of interaction. To this extent we argue the interest of the Bach coordination language as a middleware that can handle and react to context changes as well as cope with unpredictable physical interruptions that occur in opportunistic network connections. More concretely, our proposal is based on blackboard rules that model declaratively the actions to be taken once the blackboard content reaches a predefined state, but also that manage the engagement and disengagement of hosts and transient sharing of blackboards. The idea of reactiveness has already been introduced in previous work, but as will be appreciated by the reader, this article presents a new perspective, more focused on a declarative setting.Comment: In Proceedings FOCLASA 2012, arXiv:1208.432

Distributed tuplespace and location management - an integrated perspective using Bluetooth

Location based or "context aware" computing is becoming increasingly recognized as a vital part of a mobile computing environment. As a consequence, the need for location-management middleware is widely recognized and actively researched. Location management is frequently offered to the application through an API where the location is given in the form of coordinates. It is the opinion of the authors that a localization API should offer localized data (e.g. direction to the nearest pharmacy) directly through a transparent and integrated API. Our proposed middleware for location and context management is built on top of Mobispace. Mobispace is a distributed tuplespace made for J2me units where replication between local replicas takes place with a central server (over GPRS) or with other mobile units (using Bluetooth). Since a Bluetooth connection indicates physical proximity to another node, a set of stationary nodes may distribute locality information over Bluetooth connections, and this information may be retrieved through the ordinary tuplespace AP

Entertainment Law: Redefining the Role of Transactional Attorneys

This thesis will examine how the role of transactional lawyers and their relationships with artists in the music industry first developed and then have adapted to changes in the industry to stay relevant. This evolution is due to a number of reasons: the diminishing power of the record industry; the failure of anti-file sharing laws; and the progress of technology to make music more accessible than it has ever been around the world. Therefore, the role of what a transactional entertainment lawyer needs to do to be successful has shifted. This research is significant because while there has been extensive research on how record labels have consolidated and artists have gained more independence, there is little research offering analysis of the transformation of the legal, transactional side of the industry

Psychological contract and knowledge management mediated by cultural dynamics

Contact centres are the vital link in the value chain between the organisation and its customers because they offer essential front line sales and services of products. Evaluation of their success can be assessed in terms of customer retention, up selling and the promotion of the brand. This is brought into sharp focus if the centre is outsourced because of the impact of the strategic behaviour of the principal and its relation with its agents. The association of employees with the brand in outsourced operation is not as effective as in captive operations partly because communications from principal to agent are attenuated. Emotional connectivity, diagnostic skill set, requirement gathering, and knowledge are some of the most sensitive qualities required in agents working in the contact centres. These characteristics are found to differ according to whether this is in-house or outsourced operation and affect the psychological contract between the service provider and its employees. In addition, the employees are unlikely to achieve any rewards and are unable to offer any commitments to the customer in an outsourced operation; hence the “psychological contract” is breached. One of the consequences of this breach is on knowledge management. The knowledge of an employee regarding the products and services is lost with that employee’s attrition. Also employees’ then have little interest towards customer service and organizational welfare, which impacts on the customer centric goals of the principal. We argue that the psychological contract between employer and an employee and has positive influence on Knowledge Diffusion, mediated by cultural dynamics, which further contributes to the overall organizational effectiveness. This paper aims to investigate, as a pilot study, the elements of organisational culture and secondly its role in the diffusion of knowledge in contact centres, in-house and outsourced. We demonstrate how by deploying a blend of qualitative methods, it is possible to perceive the effect of each element of the cultural web on diffusion. Finally we propose a hypothesis of the role that Power Distance (Hofstede, 1980) can play, as a proxy for the Psychological Contract to leverage knowledge diffusion