At Stream11 shared few facts and learnings from Sub Saharan Africa; how this part of the world is leading digital practices in banking, mobile and innovation. Banks have evolved from brick (branch) to bit (online) banking, but future belongs to virtual banking, where we can carry digitized form of money and pay anyone, at anytime instantaneously. Most of Sub Saharan markets are doing Mobile Commerce (M-PESA) for last couple of years. Mobile as primary device, world will take another 3 years, where as Sub Saharan markets its always been primary and the only mode. Digital innovation in Sub Saharan Africa is not driven by lifestyle, its about life and about livelihood. for questions @gauravtwits

1. Digital doesn’t
exist in Africa

2. Shanghai
New Delhi
Mumbai
kuala lumpur
Singapore
Jakarta
Nairobi
Sydney

3. It’s not about technology it’s about technology’s immersion into everyday life.
And that’s enabling Africa to grow in a totally different direction

4. UNBANKED
UNWIRED
UNRESTRAINED

5. Kenya
43
Banks
1500 1000
Branches
ATMs

6. 18 million
users
person-to-person
US$ 25000
366.783 M-Pesa M-Pesa agents.
million per month.
st
World's1
commercial mobile
money transfer system.
More transactions domestically than western union does globally

7. M-Pesa M-Kesho
World's1 st
commercial mobile
A bank account in
partnership with
money transfer system. Equity bank
International Money
M-Ticketing
Transfer Service
A ticketing service allowing
one to buy tickets on their Western Union and M-pesa
mobile phone International money transfer service

8. UNBANKED
UNWIRED
UNRESTRAINED

9. 50% 55%
mobile use mobile
penetration to access internet
over 35 under 13
13 - 17
over 35
gender age
18 - 24

10. percentage of highly engaged users online
51% 42% 51%
Tanzania South Africa
56% 51%
Kenya Egypt Morocco
5/10
42% 51%
UAE China
56% 51% are african countries
Saudia Arabia Turkey

11. percentage of highly engaged users online
51% 42% 51%
Tanzania South Africa
56% 51%
Kenya Egypt Morocco
5/10
42% 51%
UAE China
56% 51% are african countries
Saudia Arabia Turkey
More subscribers than
WESTERN
EUROPE
547.5 million 20% yoy

12. UNBANKED
UNWIRED
UNRESTRAINED

13. MOBILE PHONE SERVICE FOR RURAL USERS
WITHOUT A HANDSET
MOVIRTU

14. EMAIL AND SMS FOR
THE UNCONNECTED IN AFRICA
ETXT

15. STORIES OF INNOVATION
FROM THE DEVELOPING WORLD
UFAHARI

16. CONNECTING FARMERS TO
REAL-TIME PRICE INFORMATION
M-FARM

17. CROWD SOURCED MAPPING
MADE IN AFRICA
USHAHIDI

18. USING SMS FOR
HIV CONTROL
SMS FOR HEALTH CARE

19. Gaurav Singh
@gauravtwits
THANK YOU