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I would like you all to take a moment and think about what your lives would be like.
If the only tool available to you before things was cash.
You can start with your wallets, which you probably have one right now.
Take out your debit cards, your credit cards, any gift or reward cards.
Take out your driver's license any I d.
You only have cash.
You can go through a day in your life and probably imagine buying your morning coffee, paying for lunch and finally buying groceries on your way home with cash.
I think bigger.
How would you buy your house?
How would you bay for a car?
How many kids do you have?
How do you pay for their college?
Remember, you only have cash.
So if we think beyond our wallets, then you probably don't have access to credit or loans.
So that probably means you don't even have access to A T.
M's, so you might as well leave that cash shoving the mattress at home.
This may be hard for most of us to imagine, but this is to the reality, for millions of people are on the world now.
Someone may see access to financial services as a first all privilege that will eventually spread to the rest of the world as it develops.
They would argue that financial services access is a product of development.
Well, I can tell you, from both personal and professional experience that the opposite is true.
I argue that development is a product of access to financial services.
There are millions of people around the world, especially in the developing economies, who are living below their potential because they're constrained by the present financial situation.
If they had access to credit, then there would be able to propel themselves by being more economically productive beyond the constraints of your personal cash flow.
When people can save in music and prepare themselves for future expenses like education and health care, and when an entire population has access to these service is it means nations can tap the full potential off.
Millions of the population will feel free and secure to pursue their goals without the worry of unexpected financial shocks or being unable to meet future financial needs.
So let's go back to the beginning.
I'm an African who spent many years living in other parts of the world.
So I know the architect with stereotypes about the poor state of governance, economies that are dysfunctional and the accompanying tales of disease and disorder.
This may have been true in the past, and they're still pockets.
Wait till the case, but I'm here to tell you that the African narrative is changing for the better and technologies at the heart of this transformation over the next decade.
Africa's GDP is excellent arise by an average of 6% per year in pearl.
Oh, with this economic growth, an explosion in mobile technology is propelling Africa to become the mobile continent.
Today, approximately two does of households have at least one mobile phone, and in many African countries it's over 80%.
By 2020.
It's estimated that there will be at least one billion mobile phone subscriptions on the continent, roughly equal to the continent's population.
This is important Africans can now access.
Financial service is on this tiny, low cost computers in their pockets.
So one billion mobile phones on the continent potentially means one billion financially connected individuals.
That's huge.
I'm Kenyan, and that's lucky because the quintessential African success story in the mobile and financial services sector happen in my country.
Eight years ago, the leading mobile operator kick started a mobile money revolution by starting a money transfer service that you can use to send each other small amounts of money and pay.
Marchionne's using good old mobile phones.
All kinds of people use this service to buy groceries to pay at restaurants.
Go to the movies, you name it.
It's been a revolution in personal freedom and at the same time drives economic productivity and growth.
Other savages have since followed innovations like mobile banking, mobile enabled health insurance and mobile powered pay.
As you go solar energy systems, I think we can all agree that these innovations are pretty impressive, especially when you think about the fact that he aimed the states.
Similar innovations like Google Wallet have not yet gone mainstream, but he is a catch.
Despite all these mobile money transfer innovations, access to regulated credit access is still not there For most people.
It's easy relatively to send 50 bucks to grandma in a flash, but it's a lot harder to borrow a large sum of money to pay for college or buy.
Buy a house.
Sure, it's easy to enable one person to another person's money.
But for a bank to make an informed decision about who to lend money to, especially if that person doesn't have a banking history or a credit worthiness profile, it's a lot harder.
I'd like you to meet someone.
This is Mama Ali.
Mama Ali runs a roadside stand selling groceries and hot meals.
Construction workers in Kampala, the capital of Uganda, one of Kenya's neighboring countries.
How customers?
The construction workers, I say.
So they get lunch and they pick up groceries for their families every day.
But they pay her at the end of the week when they received their own weekly wages.
Um, Ali trust him because she knows them.
She knows they have a job.
She knows where they work.
In fact, she's placed her stand liberty near the construction site.
However, Mama Ali Bhai's house talk from a variety of wholesalers who only except immediate cash payments and don't take credit.
So every day she has to have enough cash to restock us.
But you, for example.
She's a really good day.
Let's say our stock is running fast At 11 a.m. She realizes, Oops, I'm gonna run out.
She doesn't have cash because she spent it.
All this talking talk.
He's not been paid yet, But she cannot take a low neighbor because she doesn't even have a bank account.
And even if she had one, it would take forever to process a bank loan.
The team I work with in my research organization in Nairobi, Kenya, is walking when using technology to Dr Financial inclusion so that people like Mama Ali and others can Asa's financialservices, for example, instant loans, Maybe thinking, How can you possibly tell?
We got ever meeting Mama Ali that she can pay back alone.
Well, from a mobile data, we can tell that she talks a lot on the phone.
That means she can afford a lot of cell minutes.
We can see that she's receiving a lot of mobile payments from a lot of different people.
This means that she has probably running a business and has a diverse customer base.
We can see that she has a consistent mobile money flow every day.
Every week she's accepting payments and she's net positive now.
Isn't this the ideal customer profile that our bank should be thinking about lending money to.
We're walking with one of East Africa's largest commercial banks by only a system that uses such mobile data to create creditworthiness profiles for people like Mama Ali, so that without ever asking her to set foot in the back brunch without requiring any paperwork, asking for passport in history, the classic Catch 22 of Worth and Banking with the cooperation of a mobile operator and with Hopper Mission, a bank can pull such mobile data and determine that she's the perfect candidate for a loan.
So where we had no credit profiles, we managed to use Mobil's and mobile data to create credit worthiness profiles.
Mom Ali is not alone.
They had thousands of users stories ranging from handyman who could do twice as much work by buying expensive, buttery power tools to single working moms who spend all their savings on a child's midnight hospital emergency instead of using that money to pay for college.
So these stories they inspires at all research lab in Nairobi, We know that credit scoring technologies, you know developed for mature markets cannot keep pace with the innovation and growth happening in the developing countries, mobile money proves that less than a decade we have a robust platform, low cost, ultra high speed that reaches even the most remote villages.
My Tim leverage is that innovation and builds on it so that we can keep pace with the ever improving an environment around us and move your lackey.
Outpace it, Warren.
Financialservices do not have to remain a fastball privilege.
We have the tools and we have the creativity to give every person the access to credit that they deserve.
Thank you.


Can credit scores for the creditless be determined by cellphone data? | Eric Mibuari | TED Institute

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林宜悉 2020 年 3 月 20 日 に公開
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