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economical and practical to use ridesharing than owning a car. From an industry perspective, the lines between organizations are blurring. One of the most successful mobile money services in East Africa is run by a telecommunications company. Healthcare providers have also entered the banking fray and are providing financial services. Banks have
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by Ronald J. Deibert · 13 May 2013 · 317pp · 98,745 words
suspicion this time being that he was an arms trafficker. In its decision the Security Council noted that “Jim’ale established ZAAD, a mobile-to-mobile money-transfer business and struck a deal with Al-Shabaab to make money transfers more anonymous by eliminating the need to show identification”; that his company
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by Calestous Juma · 20 Mar 2017
could become the source of new medical applications that would otherwise be obstructed by incumbent interests in industrialized countries. This could follow the patterns of mobile money transfer and banking that first emerged in Africa before they spread to industrialized countries through the process of reverse innovation.49 The emergence of new
The New Harvest: Agricultural Innovation in Africa
by Calestous Juma · 27 May 2017
Figures, Geneva: International Telecommunication Union, 2014, http://www.itu.int/en/ITU-D/Statistics/ Documents/facts/ICTFactsFigures2014-e.pdf. 26. W. Jack and T. Suri, Mobile Money: The Economics of M-PESA (Cambridge, MA: Sloan School, Massachusetts Institute of Technology, 2009). 27. I. Mas, “The Economics of Branchless Banking,” Journal of Monetary
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, blog, last modified June 9, 2011, http://www.southafrica.info/business/trends/innovations/drmath-090611.htm#. UHA-00IQTzI. 23Katrina Manson, “Kenya to India: exporting the mobile money model,” Financial Times, blog, last modified November 11, 2011, http://blogs.ft.com/beyond-brics/2011/11/11/kenya-to-india-exporting-the
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-mobile-money-model/. 24“Ericsson and Orange bring sustainable and affordable connectivity to rural Africa,” Telefonaktiebolaget LM Ericsson, Stockholm, last modified February 18, 2009, http://www.ericsson.
The Wide Lens: What Successful Innovators See That Others Miss
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as a Savings Account Tool,” Mobile Payment Magazine, March 3, 2011. 195 81 percent of Kenyans did not have access to a bank account: “Enabling Mobile Money Transfer: The Central Bank of Kenya’s Treatment of M-Pesa,” Alliance for Financial Inclusion, case study, 2010, p. 2. 195 27 percent of its
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/2008/11/05/m-pesa-a-very-simple-and-secure-customer-proposition/. 197 “bottleneck in transferring the money”: Nick Hughes and Susie Lonie, “M-PESA: Mobile Money for the ‘Unbanked’—Turning Cellphones into 24-Hour Tellers in Kenya,” Innovations, Winter/Spring 2007, p. 77. 198 “we would need to find a way
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by Eric Schmidt and Jared Cohen · 22 Apr 2013 · 525pp · 116,295 words
as digital solutions are discovered. Perhaps a human-rights organization with staff living in a country under heavy diplomatic sanctions will pay its employees in mobile money credits, or in an entirely digital currency. As fewer jobs require a physical presence, talented individuals will have more options available to them. Skilled young
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populations, such as wealthier subclans or influential religious leaders, with more precision and virtually no accountability. If the online data (say, transfer records for a mobile money platform) showed that a particular extended family received a comparatively large sum of money from relatives in the diaspora, local thugs could stop by and
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demand tribute—paid, probably, over a mobile money system as well. Today’s warlords grow rich by acting as the requisite pass-through for all sorts of valuable resources, and in the future
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2011 famine in East Africa, the United States Agency for International Development (USAID) administrator Rajiv Shah reported that his organization was using a mix of mobile money platforms and the traditional “hawala” money-transfer system in Somalia to get past the violent Islamist group al-Shabaab’s ban on aid for affected
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loyalty of its base. Hamas could develop a family of apps for the cheap smart phones everyone uses, offering everything from health-care information to mobile money exchanges to games for children. This infinitely valuable platform would be built and serviced by Hamas members and sympathizers. Even if the Apple store blocked
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there were mobile phones, in order to move money Somalis had to rely on informal hawala networks, in which no transaction records are kept. Today, mobile money-transfer services allow hundreds of thousands of Somalis to move money around inside the country and receive remittances from abroad. SMS-based platforms allow subscribers
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identifying him as one of al-Shabaab’s chief financiers. (The report also said the man, Ali Ahmed Nur Jim’ale, set up Hormuud’s mobile money-transfer system in order to facilitate anonymous funding to al-Shabaab.) Certainly, the situation in Somalia is complex. But should the country emerge from its
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needed what and where. She would be able to independently decide whom to fund on the basis of individuals’ stories or perceived need levels. Using mobile money-transfer systems already available, that mother could transfer cash or mobile credit to the recipients directly, as quickly and casually as sending a text message
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apps and status-symbol phones. Ex-combatants will likely rely on pensions or benefits to provide for their families, so integrating those payments into a mobile money system is a smart way to keep the former fighters on the right path. In order for this arms-for-phones project to work, however
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Doctrine,” CNET, April 4, 2007, http://news.cnet.com/A-cyberspace-update-for-hoary-legal-doctrine/2010-1030_3-6172900.html. using a mix of mobile money platforms and the traditional “hawala” money-transfer system: Andrew Quinn, “Cell Phones May Be New Tool vs. Somalia Famine,” Reuters, September 21, 2011, Africa edition
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Colao in discussion with the authors, August 2011. Roshan, is also the country’s biggest investor and taxpayer: “Western Union and Roshan to Introduce International Mobile Money Transfer Service in Afghanistan,” Roshan, News, February 27, 2012, http://www.roshan.af/Roshan/Media_Relations/News/News_Details/12-02-27/Western_Union_and
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_Roshan_to_Introduce_International_Mobile_Money_Transfer_service_in_Afghanistan.aspx. Roshan employs thousands: Ibid. 8 percent stake in The New York Times: Russell Adams, “Carlos Slim Boosts Stake in New
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,” How We Made It in Africa (Cape Town), June 18, 2012, http://www.howwemadeitinafrica.com/why-we-decided-to-open-a-bank-in-somalia/17530/. mobile money-transfer services allow: Sahra Abdi, “Mobile Transfers Save Money and Lives in Somalia,” Reuters, March 3, 2010, http://www.reuters.com/article/2010/03/03
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.1 Minority Report (film), 1.1 misinformation, 3.1, 3.2, 6.1 MIT Media Lab Mitnick, Kevin, n Mobile Giving Foundation “mobile health” revolution mobile money credits mobile phones, 1.1, 4.1, 5.1, 5.2, 5.3, 7.1, 7.2, con.1 banned in Iraq in Congo education
Machine Learning Design Patterns: Solutions to Common Challenges in Data Preparation, Model Building, and MLOps
by Valliappa Lakshmanan, Sara Robinson and Michael Munn · 31 Oct 2020
options. 4 The dataset was generated based on the PaySim research proposed in this paper: EdgarLopez-Rojas , Ahmad Elmir, and Stefan Axelsson, “PaySim: A financial mobile money simulator for fraud detection,” 28th European Modeling and Simulation Symposium, EMSS, Larnaca, Cyprus (2016): 249–255. Chapter 4. Model Training Patterns Machine learning models are
The Smartphone Society
by Nicole Aschoff
software concepts also predate the smartphone. For example, mobile payment systems spread widely in poor countries through cell phones. Kenyans developed the popular M-pesa mobile money transfer system, which lets users lacking bank accounts send cash to friends and family; in early versions senders deposited cash at an agent’s shop
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thirty-two pairs of utterances and into displayed text in over a hundred languages. Hundreds of millions of people in sub-Saharan Africa rely on mobile money accounts, which allow people lacking bank accounts to easily and securely send money to relatives far away. Business-to-business apps help small businesses survive
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accounts, mobile, 10 monopolies, 43–46, 52–53, 150 Morgan, J. P., 37, 39, 41, 44, 54 Mori, 61–62 MoveOn.org, 91 M-pesa mobile money transfer system, 6 MSD (Marjorie Stoneman Douglas) High School, 90 mSpy, 25 Mubarak, Hosni, 92, 94, 97 Muflahi, Abdullah, 20 multitier subcontracting, 31 Munro, Alice
The Hype Machine: How Social Media Disrupts Our Elections, Our Economy, and Our Health--And How We Must Adapt
by Sinan Aral · 14 Sep 2020 · 475pp · 134,707 words
. But in July 2018, following protests against his rule, Yoweri Museveni imposed a five-cents-per-day tax on social media and increased taxes on mobile money by 5 percent to curb antigovernment sentiment and increase tax revenue. Unfortunately, this broadsword approach had devastating unintended consequences for Uganda. For many Ugandans, social
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(1998): 1169–213. Ugandan Internet usage fell 26 percent: Abdi Latif Dahir, “Uganda’s Social Media Tax Has Led to a Drop in Internet and Mobile Money Users,” Quartz, February 19, 2019, https://qz.com/africa/1553468/uganda-social-media-tax-decrease-internet-users-revenues/. tax increased Internet connection costs by 1
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