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Mobile payment systems launched in Africa, Asia, and Latin America now offer anyone with a mobile phone the ability to store money electronically and send it to other phone users, without visiting a bank and sometimes without even having a bank account. Over a billion people with a mobile phone are now closer to financial services. 

But will these systems become vehicles of financial inclusion, or will they remain simply a convenience for the urban elite? 
 
Nathan Wyeth, the director of FrontlineSMS:Credit in Nairobi, Kenya, will speak on examples and the potential of mobile money empowering people at the base of the pyramid in East Africa and around the world.  FrontlineSMS:Credit builds lightweight software that enables enterprises serving the poor - like microfinance institutions, co-ops, health organizations, community organizations, and businesses - to transact using mobile payments.  

Nathan will touch on the architecture of these systems, the sector-wide decisions made by mobile networks that will determine if these systems open up or remain closed and proprietary, the hurdles to realizing the promise of mobile money, and how new people can become involved in this sector and answering these questions. 

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Nathan Wyeth Director of FrontlineSMS:Credit in Nairobi, Kenya Speaker
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To begin his talk, Archon Fung poses the following question: why is there no "killer" ICT platform in politics? After all, there are highly disruptive platforms in social media, commerce and other realms. These so-called "killer" platforms tend to be characterized by three features: notably that many users adopt the ICT platform and abandon the old way of doing something; the new platform improves users' experience by changing how they do some activity; and the organizations using new killer platforms displace those that do not use them.

Fung proceeds to present explanations for this puzzle, following a brief clarification of the scope of his question. When Fung refers to politics, he is not referring to aspects like partisan mobilization, e-government or the public sphere; instead, he examines the potential for ICT platforms in the realms of decision-making, problem solving and accountability. While the typical level of resolution for discussion is on the macro effects of ICT as a social force, Fung's analysis stems from his narrowing in on ICT platforms (such as Facebook, Wikipedia, Ushahidi, and others) themselves.

The first argument Fung presents in answer to his initial question is that both the suppliers and the demanders are different in politics than in other areas (e.g. commerce). Politics is aggregative, characterized by collective action and results, not focused on "individual benefits and gratification" like commerce and social interaction might be.

Second, while it is possible to have parallel, collaborative production in some types of platforms (e.g. Wikipedia), production in politics is characterized by strategic action. Various examples can help illustrate that there are key differences between commerce and politics on the supply side. In commerce, Amazon's customers want books and Amazon wants to sell books. While citizens want influence in the public sphere, however, politicians and officials typically do not want to give citizens power to influence the public sphere. Although there are counterexamples, as in some cities (such as Belo Horizonte) in Brazil, where 10% of the electorate directly influences public spending online through the Participatory Budgeting process, these cases are few and far between.

Another important factor is that there are much more ambiguous benefits in politics than in other spheres. While it is well understood that amassing more Facebook, Amazon or Google users will result in more money or fame, it is less well know what the benefits of more public deliberation or accountability might be. Since the factors that explain platform success in other areas don't translate to politics, Fung concludes, there is less innovation in the supply side.

In order to understand cases in which ICT platforms have nevertheless become important on the local level, Fung and his colleagues carried out a large case study analysis of specific examples from Brazil, Chile, Kenya, India, and Slovakia. Through analyzing these cases, which include such examples as São Paolo's Cidade Democrática, Santiago's Reclamos, Nairobi's Budget Tracking Tool and others, the researchers arrive at three key conclusions.

  1. ICT platforms that have had success within the realm of politics that Fung is interested in have been characterized by the predominance of professionals and organizations among their users. The main users of Cidade Democratica, for example, are organizations and professionals.
  2. Second, ICTs do not necessarily act independently. Instead, journalism and media play an important role, and even make up the main base of users for platforms like Bratislava's Fair Play Alliance and Mumbai Votes. After all, ICT can help journalists reduce research costs and represents a neutral and credible source.
  3. ICT's do not go around or undermine traditional NGOs and government. Instead, at least in the cases examined, they are typically effective because they operate through these existing organizations. Kiirti in Bangalore is one example.

The bottom line from Fung's case study analysis is that getting context right can be more important for an ICT platform's success than getting the technology right. Typically, the uptake of a platform only occurs once all other pieces are in place.

In the final part of his talk, Fung addressed audience questions, many of which related to Fung's chosen standards for a killer platform. One audience member asked why Facebook could not be considered a killer platform, given its many uses for political purposes. After all, Facebook enables a kind of action to occur that would have occurred before, since it can often be accessed even in countries where public gatherings may be restricted. Another questioned why Wikileaks was not considered a killer platform. Fung replied that while Wikileaks does bring together people and information better, a killer platform would need to transform the nature of politics from group to individuals, which no existing platform has yet achieved.

 

 

 

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Claire Hunsaker, VP of Product Management and Strategy: Claire manages Samasource's microwork platform, worker training and management tools, and corporate websites. She is responsible for keeping Samasource at the leading edge of virtual work technologies and integrating Samasource products with clients and service partners. Prior to Samasource, Claire was Director of Virtual Agent Acquisition at LiveOps and she has also worked in rural Vietnam with ADAPT to combat anti-human trafficking on the Vietnam/Cambodia border. As a management consultant with Katzenbach Partners, she supported national technology companies and non-profits with strategic planning. Claire holds a BA in English with departmental honors from Columbia College, and an MA in English Literature from the University of London, and an MBA from Stanford.

Co-sponsored by Stanford Association for International Development (SAID).

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Claire Hunsaker VP of Product Management and Strategy Speaker Samasource
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Paul Wise is a clinical professor of pediatrics and a CHP/PCOR core faculty member. His work focuses on children's health policy; health disparities by race, ethnicity and socioeconomic status; and the interaction of genetics and the environment as these factors influence child and maternal health.

Before coming to Stanford in July 2004, he was a professor of pediatrics at Boston University and vice-chief of Social Medicine and Health Inequalities at Brigham and Women's Hospital. He previously served as director of emergency and primary care services at the Children's Hospital of Boston, and as director of the Harvard Institute for Reproductive and Child Health at Harvard Medical School. He has also served as a special expert at the National Institutes of Health and as special assistant to the U.S. Surgeon General.

Wise has worked to improve healthcare practices and policies in developing countries. He is involved in child health projects in India, South Africa and Latin America, targeting diseases such as tuberculosis and AIDS. He currently chairs the steering committee of the NIH's Global Network for Maternal and Child Health Research, and he has served on many other boards and committees including the Physicians' Task Force on Hunger and the American Academy of Pediatrics' Consortium on Health Disparities. He has received honors from organizations including the American Public Health Association, the March of Dimes, and the New York Academy of Medicine.

He received a BA in Latin American studies from Cornell University, an MD from Cornell University and an MPH from the Harvard School of Public Health. He completed a residency in pediatrics at Children's Hospital Medical Center in Boston.

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Richard E. Behrman Professor of Child Health and Society
Senior Fellow, Freeman Spogli Institute for International Studies
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Dr. Paul Wise is dedicated to bridging the fields of child health equity, public policy, and international security studies. He is the Richard E. Behrman Professor of Child Health and Society and Professor of Pediatrics, Division of Neonatology and Developmental Medicine, and Health Policy at Stanford University. He is also co-Director, Stanford Center for Prematurity Research and a Senior Fellow in the Center on Democracy, Development, and the Rule of Law, and the Center for International Security and Cooperation, Freeman Spogli Institute for International Studies, Stanford University. Wise is a fellow of the American Academy of Arts and Sciences and has been working as the Juvenile Care Monitor for the U.S. Federal Court overseeing the treatment of migrant children in U.S. border detention facilities.

Wise received his A.B. degree summa cum laude in Latin American Studies and his M.D. degree from Cornell University, a Master of Public Health degree from the Harvard School of Public Health and did his pediatric training at the Children’s Hospital in Boston. His former positions include Director of Emergency and Primary Care Services at Boston Children’s Hospital, Director of the Harvard Institute for Reproductive and Child Health, Vice-Chief of the Division of Social Medicine and Health Inequalities at the Brigham and Women’s Hospital and Harvard Medical School and was the founding Director or the Center for Policy, Outcomes and Prevention, Stanford University School of Medicine. He has served in a variety of professional and consultative roles, including Special Assistant to the U.S. Surgeon General, Chair of the Steering Committee of the NIH Global Network for Women’s and Children’s Health Research, Chair of the Strategic Planning Task Force of the Secretary’s Committee on Genetics, Health and Society, a member of the Advisory Council of the National Institute of Child Health and Human Development, NIH, and the Health and Human Secretary’s Advisory Committee on Infant and Maternal Mortality.

Wise’s most recent U.S.-focused work has addressed disparities in birth outcomes, regionalized specialty care for children, and Medicaid. His international work has focused on women’s and child health in violent and politically complex environments, including Ukraine, Gaza, Central America, Venezuela, and children in detention on the U.S.-Mexico border.  

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Paul H. Wise Richard E. Behrman Professor of Child Health and Society and CHP/PCOR Core Faculty Member Speaker CDDRL, CISAC Affiliated Faculty
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