1. How ICT can overcome barriers to engage poor consumers
Kathryn M Clifton, PhD- Catholic Relief Services
Melissa Persaud - HNI Voto (Viamo)

2. Choose locations that minimize barriers and increase adoption

3. Success vs. Failure for Sustainable Enterprise

4. Market barriers to engage poor consumers
Lack of financing
Weak distribution channels
Insufficient Labor
Data from clients for Decision Making (added)
Knowing the locations of success (added)
TRUST
Inhibitory laws
Regulations

5. Lack of Financing- Mobile Money/Wallet
Reduce administrative, record keeping, and other costs
Client-convenience, safety, security, and financial identity
Algorithms for airtime credit can be used for mobile credit
Large buys are helpful initiators

6. The Cost of Cash Transaction Cost (travel to the bank)
30-40% of remittances from developing countries go to rural areas (mHits, WorldRemit, BitPesa).
More mobile wallets than bank accounts
Cameroon, DRC, Gabon, Kenya, Madagascar, Tanzania, Uganda, Zambia, Zimbabwe

8. Digital Money Globally
Urban bias
Rural marketing research needed.
Large purchaser initiation (SMART money- Tanzania & Uganda).
More equity for financial enterprises
HNI in Malawi -

9. INSERT MAP OF MOBILE Money

10. FINclusion Lab

11. Weak Distribution Channels -Hypermarket Distribution
India-Amazon (Motorbikes and Cell Phones)

12. Minimizing Point of Sales

13. What about the small guys?
Motor Bike and Cell Phone Enabled Growth
Sidai
Location scouting on motor bikes after new client trends emerge.
Growing fast is not a reality for many

14. Distribution Monitoring (Drivers on Hire-pilot)

15. Distribution Channels

16. Insufficient Labor Business that rent out or provide mechanization
We Robotics, CTA UAV labs

17. TRUST Integrity Intent Capabilities Results Talk Straight
Demonstrate Respect
Create Transparency
Right Wrongs
Show Loyalty
Deliver Results
Get Better
Confront Reality
Clarify Expectations
Practice Accountability
Listen First
Keep Commitments
Extent Trust
From the Book the Speed of Trust

18. Data from clients from decision making
Feature Phone data
Are clients satisfied after the point of sale?
Are there other product and services that clients need?
Document number of calls regarding product problems.

19. Location Analysis Inhibitory laws
Regulations (Ease of Doing Business-World Bank)

20. Conclusions Business Support Services are needed to improve success
Easy to use location analysis
Digital data platforms that can get data from clients on feature phones.