Introduction to the user landscape for mobile money services - touching on illiteracy, competency, shared use and privacy.

1. JAN CHIPCHASE tech@state

2. ~6.8 billion humans

3. ~5 billion subscribers Source: ITU, estimate for end of 2010

4. ~1.2 billion phones sold Source: Nokia, 2009

5. “cell phone”

7. aspiration

8. convenience & privacy

9. convenience & privacy some, but not all transactions

10. “illiteracy”

11. “illiteracy”

12. “competency”

13. “competency” to be connected?

14. “competency” to complete a financial transaction?

15. “competency” what does the user need to know to complete the task in any given context?

16. “competency” what does it mean to be financially literate in any given context?

18. rote learning

19. proximate literacy

20. proximate literacy

21. ownership is not “use”

22. ownership is not “use” the path of least financial resistance

23. corner-shop app stores

24. corner-shop app stores

25. corner-shop app stores content mediators, technical competency

26. user literacy our literacy of users

27. user literacy our literacy of users