mukuru.com – mcommerce in Africa(Zimbabwe) again ..

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See my broad vision for Mobile and Africa in The Mobile phone will do more for Africa than Live 8!

Simple, practical stories of mobile commerce from Africa continue to be inspiring

Source: the BBC

Mobiles beat Zimbabwe fuel queues

By Lucy Fleming

BBC News website

Shamwari Lucy, Uri bho here? Thanks a bunch for using Mukuru.com

Mukuru message

Text messages from abroad have never been received so eagerly by cash-strapped Zimbabweans.

The “beep beep” signals an end to hours spent queuing at petrol stations.

“Hey… you have been sent a Mukuru Voucher for 40 litres of Petrol from…” reads the message.

A voucher number follows which allows the recipient to swap the pin number for coupons redeemable at certain garages.

This is all the handiwork of Mukuru.com – a website set up by Zimbabweans in the UK to help their fellow countrymen in the diaspora pay for petrol, satellite TV or transfer money to their friends and relatives at home.

It properly got off the ground last year, and its customers are steadily growing as news of it spreads.

Little fuss

Within seconds of opening an account and sending an order to a grateful guinea pig in Zimbabwe, I received an email from Mukuru.

Zimbabwe suffers from constant fuel shortages

“Shamwari Lucy, Uri bho here? (friend, how are you?)” it began in conversational Shona.

“Thanks a bunch for using Mukuru.com – we have sent an email to (your friend) notifying them of the order below.”

The next morning, another email arrived to tell me the funds had cleared and a voucher had been issued.

At the same time, my friend in the capital, Harare, got a text message and went off to collect the petrol coupons – valid for three months. Forty litres costs $40 – the going black market rate.

Several days later they went to fill their car, with little fuss from one of Zimbabwe’s garages allowed to import fuel using foreign currency.

“I arrived there at 3pm and looked in the book and they must’ve sold more than 500 litres that day,” my friend said.

Groceries

I was left in no doubt about my generosity, receiving texts to let me know about every moment of the transaction right up until the petrol was gushing into the tank.

I think Zimbabwe would be dead right now if wasn’t for imports – it would be on its knees

Zimbuyer spokesman

For one of the founding members of Zimbuyer.com – another new website allowing Zimbabweans to buy groceries for people at home – this control is what makes these services popular.

“They’re a lot of people who left Zimbabwe and, for example, have left their children over there,” he told the BBC News website.

“But sometimes the money they have sent home for the care of their children is diverted into other things.

“With our service, people buy the stuff – we deliver them to the recipients so they know that they’re buying.”

Shopping on Zimbuyer – run by a team of four in the US and UK – is like doing a supermarket shop online in the UK, with a little less software finesse.

The prices are marked in British pounds, but the products are Zimbabwean staples such as sadza maize, Cashel Valley Baked Beans and Ingrams Camphor Cream – delivered to addresses in Harare, Chitungwiza and Bulawayo.

Lifeline

Zimland.com offers a similar service for customers from 52 OK supermarket branches nationwide. Its website says it gives Zimbabweans abroad “a quick and efficient way of ensuring their families did not starve in Zimbabwe”.

We’re running it as a service to help people

Dr Brighton Chireka

With Zimbabwe’s economy spiralling out of control, high unemployment and one of the highest HIV rates in the world, people in the diaspora can literally provide a lifeline.

UK-based Dr Brighton Chireka and his wife Prisca, a nurse, have set up Beepee Medical Services, allowing Zimbabweans abroad to pay for doctor’s appointments, prescription drugs and surgery for relatives at home.

“Mostly we’re running it as a service to help people,” Dr Chireka told the BBC News website, adding that since its launch last September BPMS now gets about two consultation bookings ($30 an appointment) a day.

“It should be able to pay itself… We’ve employed people who are working full-time in Zimbabwe. This side it’s on a part-time basis to answer the calls.”

Dr Chireka says they have to review their prices every two or three weeks because of the rampant inflation which stands at 3,731.9% – a climate ripe for a flourishing black market.

This is something Zimbabwe’s no-nonsense central bank governor is keen to stamp out.

Legal

Last year Gideon Gono banned several money transfer agencies, accusing them of abusing their licences by doing deals on the black market.

Satellite systems and subscription services are also popular

Zimbuyer says their service – which at the moment attracts about 10 customers a day – is a way around this for Zimbabweans abroad who are loath to send money back at the official rates.

Last week, the black market rate was Z$29,000 to US$1 – compared to the long-standing official rate of Z$250 to US$1. This week, the black market rate for the US dollar has risen by Z$4,000.

“The government it is cracking down on the black market or foreign currency dealers – they buy money in Zimbabwe or take the wealth outside Zimbabwe which is something we’re not doing,” the Zimbuyer spokesman – which imports most of the products – told the BBC.

“I think Zimbabwe would be dead right now if wasn’t for imports – it would be on its knees.”

Mukuru.com also allows customers to transfer money – at the black-market rate – to accounts in Zimbabwe; it has also started this service to South Africa.

Their customer service line says a “dispersment agent” deposits the money in Zimbabwe.

All the services are clearly being careful not to antagonise Mr Gono, and offer tight security and the online payment system PayPal for their clients.

And as Mukuru’s petrol fame spreads, what are Zimbuyer’s most popular products?

“Cooking oil and sugar – right now we’ve run out of the sugar we have it bought in from Botswana.

“And power generators are proving popular because the electricity always goes off nearly every day.”

Global Wireless Data Market Update 2006

by chetan_post.JPG By Chetan Sharma

In 2006, mobile data industry grew across every geography. From the true and trusted SMS messaging to new services such as Mobile TV, LBS, and others, different services helped in adding billions to the revenues generated for the year. Japan and Korea remain the envy of the global markets and the countries to study and learn from. The US market has been steadily making strong comeback and is soon going to become the biggest mobile data revenue generating market in the world. Chetan Sharma Consulting conducted its bi-annual study of the global mobile data industry. We took a look at wireless data trends in over 40 major countries – from developed and mature markets such as Japan, Korea, UK, and France to high-growth markets such as China, India, Brazil, and Russia. The study also took a detailed look at over 30 prominent operators. This note summarizes the findings from the research.

2006 was a great year for mobile data. Revenues from mobile data were up in all major regions and for all major carriers with data contributing double digit percentage to overall revenues in most cases. The overall subscriptions rose to approximately 2.7B and we should be crossing 3B by the end of 2007. The wireless industry is on its way to gain the quickest billion subscribers within the next 3 quarters.

Japan led the way with almost $20B in annual mobile data revenues. US and China were next with $15.8B and $9.2B respectively.

NTT DoCoMo became the first carrier to cross the $10B barrier for a given calendar year amassing $10.5B for 2006 in data revenues. The Japanese market was followed by China Mobile at $6.9B, KDDI at $6.6B, Verizon Wireless at $4.5B, and Cingular Wireless at $4.3B. They were followed by Sprint Nextel, SK Telecom, Softbank, O2 UK, and China Unicom to make up the top 10.

A majority of countries we tracked got double digit growth in mobile data ARPU except for a handful of countries which registered a decline from EOY 2005. Some of the prominent ones being US (33%), Czech (40%), Brazil (32%), Netherlands (31%), UK (20%), and Japan (14%). Japan registered the largest dollar amount increase with $2.08 increase from 2005 levels. US and UK data ARPU levels grew by $1.72.

In 2006, SMS’s vice like grip on data revenues loosened a bit with many carriers seeing an increase in non-SMS data revenues. On an average, Japan and Korea have over 70-75% of their revenue coming from non-SMS data applications, US around 50-60%, and Western Europe around 30-40%.

The top 10 carriers increased their revenue by 13% during the second half of 2006 to reach an aggregate amount of $46.8B for the year in data revenues.

In terms of data ARPU, Japan continues to lead the pack with almost 30% of its revenues coming from data services amounting to almost $17 data ARPU. Ireland, Norway, Switzerland, UK and South Korea also registered significant data ARPU. US crossed the ($5, 10%) block, where $5 is the data ARPU and 10% represents the % share of overall ARPU. As of Dec 2006, US stood at ($7, 13%). For detailed US Wireless Market update, please see “US Wireless Data Market Update 2006” (For more details, please refer to the 9-box diagram in the ppt”; for 2005 comparative numbers, please refer to our paper from last year titled “Perspectives: Wireless Data ARPU”)

NTT DoCoMo’s position at the top of the wireless data world has been challenged recently by several carriers esp. by its archrival KDDI which surged past DoCoMo and remained ahead pretty much for the entire year. Their data coordinates stand at ($17, 31%) and ($17, 30%) respectively. However, it is 3 UK that is inching towards ($20, 30%) mark with $26 in data ARPU contributing over 29% to its overall ARPU. 3 Italy with ($16, 35%) is also amongst the leaders.

The biggest % contribution by data ARPU has been consistently registered (since mid 2002) by two Philippines carriers – Smart Communications and Globe Telecom with almost 50% (or $3) contribution coming from data services.

Even though China reported approximately $9.2B in data revenues, and the % contribution is over 20%, data ARPU is around $2, confirming what we already know – it’s a volume game.

For India data ARPU is just under $1. Approximately same for Brazil and Russia. Actually, in 2006 the overall wireless service revenue for US was two times the overall revenues of the four BRIC (Brazil, Russia, India, and China) countries combined. So, lessons are pretty clear as to which markets to approach for what products and services.

In terms of overall ARPU, it has been a mixed picture compared to 2005. Of the 40 countries we looked at, it was an even split, with half of the countries registering increase in overall ARPU while the other half were at the same level or experienced decline in ARPU. US, China, and India all registered declines while Japan, Russia, Italy, UK, and Canada had an uptick in their ARPU numbers.

All the carriers in the top 10 wireless carriers by wireless data revenues list exceeded $1B in data revenues for the second six months of 2006 and $2B for the year.

Western Europe officially crossed the 100% wireless subscriber penetration mark (primarily due to multiple SIMs and double reporting) with several nations reporting up to 140% subscriber penetration. US crossed the 75% penetration mark.

China crossed the 400M subscriber market in 2006 and is on its way to cross the 500M mark this year. However, its growth rate was overtaken by India which is experiencing tremendous growth. Its net-adds approached 7M subs/month compared to 6M/month for China (though in March 07, monthly net-adds dipped below 4M probably due to the pressure from the government to prove the reported numbers). India crossed Japan and Russia to stand number 3 behind China and US and is going to get past US in terms of total number of subscribers by 2008.

As expected, China Mobile is way ahead of the second ranked Vodafone w.r.t total number of subscribers. China Unicom, América Móvil, Telefonica, SingTel, Deutsche Telekom (T-Mobile), and Orange (France Telecom) are the next six largest telecom groups in the world. In terms of individual carriers, Cingular and Verizon now occupy the #3 and #4 spot respectively ahead of NTT DoCoMo, which is at #5. The two Chinese carriers round up the top two positions and are likely to stay perched at their lookout vistas for some years to come.

Telecom groups in mature markets are under enormous pressure to either come up with a global expansion strategy or accelerate their existing plans. Carriers in Japan and Korea are the most under duress.

Japan became the first nation to have more than 50% of its subscribers using 3G. DoCoMo and KDDI have 60% of their subscriber base using 3G devices. Korea is close second approaching 50% 3G penetration. 3G is starting to pick-up steam in both western Europe and

North America per our discussion in the cover story article “3G: Hitting the Mass Market” published in Wireless World Magazine. US and Western Europe crossed the 10% mark for 3G penetration (Italy stayed ahead with over 25% of its subscriber using 3G phones). The difference between 2G/2.5G/2.7G and 3G is palpable, for example, for DoCoMo the difference FOMA (3G) and mova (2G) was approaching 200%.

China and India represent the biggest opportunities for Infrastructure providers. China has postponed its 3G decision for the umpteenth time and is having technical and political problems to get something in place before the 2008 Olympics. India is going through its 3G spectrum policy but unlike China is likely to resolve the issues in short order. Some of the biggest infrastructure contracts will come from these two countries that are looking to expand coverage.

Carriers with nationwide 3G networks and good distribution of handsets are seeing uptick in data ARPU. The Japanese and Korean carriers along with operator 3, Verizon, Sprint Nextel are all seeing benefits of rolling out their 3G service. Deployment of 3.5G technologies such as

HSDPA and EV-DO Rev A (and B) are also gaining momentum. Networks are getting deployed and market is being seeded with some of the early handsets.

In terms of applications, messaging accounts for lion-share of data revenues. However, other services such as Mobile Music, Mobile TV and video streaming, Mobile Games, IMS, LBS, Mobile advertising, and others have captured industry’s imagination. Though not much talked about, enterprise applications are also being adopted widely esp. in North America as more workers become mobile and corporations seek efficiencies in their operations and supply-chain.

China Mobile overtook Vodafone as the most valued telecom operator in the world which in turn was surpassed by AT&T though China Mobile is likely to get its title back within a few quarters.

Your comments are always welcome.

Chetan Sharma

Downloads:

PPT

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OpenGardens blog – soon to accept advertisements

We are revamping both the OpenGardens blog and Horizon channel and will soon be accepting advertising on both. If that’s of interest, please email me at ajit.jaokar at futuretext.com

Horizon channel: Relaunch using a rich FAQ format: seek feedback ..

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Hello all

As many of you know, I launched Horizon channel earlier this year. I have been running it in Beta for some time now – trying to understand how to provide the best value to the community

So, based on that feedback (many thanks for that!), here is how I see Horizon channel evolving

Of course, I seek your feedback on this!

Horizon channel is a next generation media channel. The overall objective of the Horizon channel is to showcase the best research, innovation and cutting edge thinking.

The Web, as we know it, is a rich but unvalidated repository of information.

As the web matures, there is an increasing need for validated content. Wikipedia has been successful in covering a range of content but lacks the authority in specific sectors due to its existing format. Thus, we now see sites such as Encyclopaedia of Life which work in specialist niche areas.

Horizon channel aims to emulate this strategy of mastering specific niche topics using the concept of Rich FAQs

Horizon channel is based on the format of a Rich FAQ (Rich frequently asked questions) i.e. an FAQ that includes video and audio in addition to a traditional list of frequently asked questions. The FAQ format is well understood . It lends itself to user generated content and also a moderated FAQ can be used to capture insights about a specific topic from the community and can be fed back to the community in the same format.

Hence, by combining multimedia(embedded video clips), we create a content repository which we call ‘Rich FAQ’. Its characteristics include

- The Rich FAQ is based on a theme which Horizon channel initiate(for example Widgets , Mobile Ajax and Social networking to start off with)

- The Rich FAQ includes multimedia elements(embedded audio and video)

- The Rich FAQ can be enhanced by other users

Horizon channel will provide an NPOV (Neutral point of view). Its editorial skill (including topic identification and validation of changes) is it’s key function

Advertising will be the key revenue model – but other revenue models will also be explored

The first Rich FAQ will be the long overdue Mobile Ajax FAQ followed by one on Mobile Widgets(which includes video podcasts).

We will continue to enhance the FAQs by adding updates, links and more importantly video and audio podcasts. Of course, we welcome your input i.e. if you want to suggest improvements to an FAQ that will be included in subsequent updates provided it is approved.

I seek your thoughts on

a) This format

b) Topics you want us to work with(the three topics we are working on are Mobile Ajax, Widgets and Social networking. What else should we consider?

Many thanks for this!

Bling software: Over the air mobile ajax client ..

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I met Roy Satterthwaite, CEO Bling Software when I spoke at the O Reilly Web 2.0 expo,

Increasingly, the space of ‘Javascript running on top of Java APIs’ is becoming quite crowded with Sun itself getting into the ring with Java FX. However, Bling is unique because it’s client can be distributed over the air!

I have yet to see another company making that claim and it could be disruptive because it solves the client distribution problem and widens the scope of the target audience. I would be interested to hear any views about this approach(or anyone else who claims similar)

From their web site

>>>>

Bling Software is the first and only technology vendor to develop a fully extensible, cross platform, JavaScript interpreter for the mobile handset that is small enough to be distributed with content to consumers over-the-air.

KEY FEATURES

Bling Software is the first and only technology vendor to develop a fully extensible, cross platform, JavaScript interpreter for the mobile handset that is small enough to be distributed with content to consumers over-the-air.

Standards based JavaScript authoring environment for fast and easy development

Asynchronous communications for faster loading and less delays

Easy data integration to existing websites and content via XML (E4X)

Rich media support for audio and video

Infinitely scalable, no server requirements

Over-the-Air downloading and updating of content-small footprint for easy fast and easy loading

Simple elegant declarative XML applications with embedded standard JavaScript

Cross-platform VM. Run across all different kind of handsets and operating systems from different manufacturers

Cross-carrier. Run on all the different operators

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Carnival of the mobilists No 74: Martin Sauter’s blog

The 74th Carnival of the mobilists is up and running at Martin Sauter’s blog

social computing v.s. multi nationals

My friend Duane Nickull Senior Technology Evangelist, Adobe Systems posted this on his blog

Duane says:

It occurred to me a natural aspect of social computing is rising up against multi nationals. After getting ripped off by a company named Rheem, I felt compelled to post this on my blog:

His blog entry is HERE

Mashup event by Tony Fish in London on Location ..

Tony Fish is organizing Mashup* events in London. Mashup events are monthly sessions for digital professionals who want to debate interesting topics.

Registration is open for the next mashup* Event on 19th June. This mashup* event will focus on the value of ‘where you are’ and aim to address if location is 1.0 and heading South or 2.0 and going North. Within the context of this theme they will be exploring where and what the value of location is. They will cover the value of maps, direction, find, discovery, direction, detection, presence and mashup for both web and mobile but will not cover the technologies that give location.

They already have significant numbers of pre-registrations from those who gained value from previous events, so if you’d like to join please register at Mashup events. They had over 220 people at the last event. The venue is to be confirmed but will be central/ west London.

Mobile Messaging

I am going to extend and revamp this blog soon alongwith horizonchannel.

So, I am forming a number of strategic partnerships. For Mobile messaging, I will be blogging on the blog Mobile messaging. Quite a few people I know(like Chetan, Oliver and Russell are already there. So, should be good

BI(Before iPhone) v.s. AI(After iPhone) era ..

This is typical Tomi Ahonen post .. very good and insightful ..

Tomi talks of a BI(Before iPhone) and an AI(After iPhone) era looking at all the ways our lives will change from the Era Before the iPhone (BI) and in June entering the Era After the iPhone AI. Not only handset makers but media, advertising, the IT industry etc will all change.

The full post is HERE