Always Moving Always Sharing Somaliland

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IN SUMMARY: A fantastically easy user interface (and infrastructure that works well) has not just enabled a successful platform, but also created new behaviours. LOW BARRIER TO ENTRY Numbers-based, so not a challenge for the semi-literate, and easy to manage via proximate use. THE BEST SHORT-CODE While the old USSD menu-based system is convoluted, the new short-code being used balances ultimate simplicity with verification and validation to instil the user’s trust in the system (and that their money is handled appropriately). BEST PRACTICES FROM ACROSS THE WORLD Have taken the best of M-Pesa and other platforms but changed them to make them work for <strong>Somaliland</strong>. Zaad and Dahabshiil have both created platforms, not products. CHANGING WORKFLOWS Businesses can have an unprecedented record of transactions; individuals can easily look each other up. SAPPHIRE: CONFIDENTIAL & PROPRIETARY - FOR INTERNAL USE ONLY STUDIO D RADIODURANS DECEMBER 2014 64
5 What’s Missing, & What’s to Come In the foreseeable future what will shape the trajectory of <strong>Somaliland</strong>’s growth, and the adoption of mobile money? B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 65
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Always Moving, Always Sharing Mobi
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Executive Summary A lack of interna
Page 5 and 6:
SUGGESTED READING These three artic
Page 7 and 8:
SOMALILAND FINANCIAL TERMS GLOSSARY
Page 9 and 10:
An Experiment in Democracy In Somal
Page 11 and 12:
TRADE FLOWS YEMEN, KSA CHINA / UAE
Page 13 and 14: SOMALILAND POWER STRUCTURE: TRIBAL
Page 15 and 16: STRONG COMMERCIAL FORCES Telesom do
Page 17 and 18: TWO DOMINANT PLAYERS, AND THE REST
Page 19 and 20: As a comparison… Somaliland Myanm
Page 21 and 22: IN SUMMARY: Somaliland provides a u
Page 23 and 24: FOR CONTEXT: A TYPICAL “WESTERN
Page 25 and 26: FRICTIONLESS FINANCIAL INTERDEPENDE
Page 27 and 28: The widespread use of khat can crea
Page 29 and 30: MARRIAGE - EXAMPLE OF MONEY FLOWS 1
Page 31 and 32: IN SUMMARY: Circumstance, tradition
Page 33 and 34: DUAL-CURRENCY COMPLEXITY The Somali
Page 35 and 36: EVERYDAY PRICES As an example Aroun
Page 37 and 38: SAVINGS MECHANISMS Depending on inc
Page 39 and 40: “I have a secret SIM my kids don
Page 41 and 42: WHO MAKES THE MONEY MOVE Livestock,
Page 43 and 44: ZAAD USE ACROSS VENDORS Due to the
Page 45 and 46: REPORTED VS. ACTUAL TRANSACTIONS Be
Page 47 and 48: ZAAD AND THE RURAL POPULATION Zaad
Page 49 and 50: TRANSACTIONS & CUSTOMERS OF A SMALL
Page 51 and 52: IN SUMMARY: Blurred lines between c
Page 53 and 54: HOW TO SEND MONEY There are two way
Page 55 and 56: HOW TO SEND MONEY II The recently-i
Page 57 and 58: THE LENGTH OF TRANSACTION In a high
Page 59 and 60: “Without Zaad, our lives would go
Page 61 and 62: NUMBERS & LIMITED LITERACY Literacy
Page 63: CASE STUDY: SCHOOL TEACHER Jamal, 2
Page 67 and 68: SHILLING REMITTANCE TO CURB INFLATI
Page 70 and 71: TOWARDS FINANCIAL INCLUSION By supp
Page 72 and 73: RECOGNITION, INFRASTRUCTURE & ECONO
Page 74 and 75: ZAAD, REDUCING BARRIERS TO FINANCIA
Page 76 and 77: 6 Methodology & Approach B&MG - SOM
Page 78: PARTICIPANTS \ We conducted: • 35
Page 81 and 82: F-SCALE RATING Studio D assigns a F
Page 83 and 84: About Studio D Studio D Radiodurans
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Always Moving Always Sharing Somaliland

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