Mobile Linkage Opportunity Connecting the World’s Poor to Their Potential GRAMEENFOUNDATION.ORG Leveraging ICT for Savings Groups Grameen Foundation AppLab December 2013

Mobile Linkage Opportunity Grameen Foundation: Our Work Access to Information (Ag, Health, Finance) Access to Financial Services Access to Business Opportunities

Mobile Linkage Opportunity Grameen Foundation: Our Work Access to Information (Ag, Health, Finance) Access to Financial Services Access to Business Opportunities

Mobile Linkage Opportunity 9M members globally, 90% in Africa Uganda the largest – 1.2M members, 34M population ~50% in East Africa

Mobile Linkage Opportunity 500,000 members, 25,000 groups Group products – savings and credit

Mobile Linkage Opportunity

Design, Develop, and Scale Sustainable Solutions for the Poor

Mobile Linkage Opportunity 66% literacy 70% phone access 86% rural 20% banked

Mobile Linkage Opportunity Our approach our approach Exploratory ethonographic research HCD – rapid product testing Sustainable solutions Busia 3 groups 2 members 3 supporters Fort Portal 1 group 2 members 2 supporters Soroti 2 groups 4 members 2 supporters Iganga 3 groups 4 members 1 supporters

Mobile Linkage Opportunity distancedata

Mobile Linkage Opportunity distancedata

Mobile Linkage Opportunity

Grameen Foundation Solutions Innovation Process “This product will let us be somebodies, not nobodies.”

Grameen Foundation Solutions Innovation Process

Mobile Linkage Opportunity distancedata

Mobile Linkage Opportunity cost visibility security

Mobile Linkage Opportunity “I would trust a phone SMS message from the bank more than a paper receipt.” “Even when we deposit we send at least 2 people. Ideally we’d send 3 each time to have a witness.”

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Mobile Linkage Opportunity 20 What we know What we believe –TBU Discussion questions

Mobile Linkage Opportunity

what we know the poor can use complex technology – if it is designed with them what we think the model is sustainable and scalable ICT can enhance an already successful approach to financial inclusion what we believe

Mobile Linkage Opportunity Thank you! Lisa Kienzle Grameen Foundation Uganda Juan Forero Grameen Foundation Colombia