Answer to Question #196919 in English for bongiwe zulu

Question #196919

identify what may be the physical constraints that the mobile technology is likely to face, and what you would recommend as a solution.

Expert's answer

1. Phone charging “My biggest concern about smartphones is charging them up – a feature phone can go for a week or more without being charged, but smartphone batteries drain quickly. We need to look at electricity provision, especially in rural and remote areas.”

– Bill Maurer

2. Lack of personal ID “ID is a critical first need. Without identity, people can’t access many things and a financial identity can be a first step towards greater inclusion (financial, health, education, etc.). The government must be involved in the solution – only they can create the identity schemes needed.”

– Max Chion

3. Literacy and language “In several East African countries (Kenya springs to mind), a lot of services have been rolled out to be voice-activated as well as text. Agriculture services in particular. This gets around the literacy problem to a large extent, but the language one I can imagine is a lot trickier.”

– Nick Tyrone, associate director, external affairs, CentreForum

4. Lack of partnerships “The biggest barrier that exists today is that the vast majority of mobile money programs operate in silos. They don’t co-operate, they compete to own the entire end-to-end solution. To create solutions for the 2.5 billion people who are excluded from financial services is a huge challenge that requires all hands on deck.”

– Max Chion

5. Focus on technology, not people “One of my goals is to shift focus from mobile and technology to asking the question of what pain points or problems in people’s lives we can solve. Only then should we ask how mobile and technology might contribute.”


there is a need for further investment in mobile technology to overcome some of these physical constraints. furthermore, research and development (R&D) is required to study how these challenges may be overcome

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