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	<title>LIRNEasia &#187; Philippines</title>
	<atom:link href="http://lirneasia.net/tag/philippines/feed/" rel="self" type="application/rss+xml" />
	<link>http://lirneasia.net</link>
	<description>a regional ICT policy and regulation think tank active across the Asia Pacific</description>
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		<item>
		<title>Why Filipino BPO workers earn more than their Indian counterparts</title>
		<link>http://lirneasia.net/2011/11/why-filipino-bpo-workers-earn-more-than-their-indian-counterparts/</link>
		<comments>http://lirneasia.net/2011/11/why-filipino-bpo-workers-earn-more-than-their-indian-counterparts/#comments</comments>
		<pubDate>Sat, 26 Nov 2011 10:13:33 +0000</pubDate>
		<dc:creator>Rohan Samarajiva</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[BPO]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[urban infrastructure]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=12500</guid>
		<description><![CDATA[Entry level BPO workers in the Philippines earn USD 300 a month, 20 percent more than the USD 250 their counterparts earn in India. Why? In addition to language skills, the Philippines has better utility infrastructure than India — so companies spend little on generators and diesel fuel. Also, cities here are safer and have [...]]]></description>
			<content:encoded><![CDATA[<p>Entry level BPO workers in the Philippines earn USD 300 a month, 20 percent more than the USD 250 their counterparts earn in India.  Why?</p>
<blockquote><p>In addition to language skills, the Philippines has better utility infrastructure than India — so companies spend little on generators and diesel fuel. Also, cities here are safer and have better public transportation, so employers do not have to bus employees to and from work as they do in India.</p></blockquote>
<p><a href="http://www.nytimes.com/2011/11/26/business/philippines-overtakes-india-as-hub-of-call-centers.html?pagewanted=2&#038;nl=todaysheadlines&#038;emc=tha25#h[]">Full report</a>.</p>
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		</item>
		<item>
		<title>Vietnam stars in 2010 IDI rankings, South Asia so so</title>
		<link>http://lirneasia.net/2011/09/vietnam-stars-in-2010-idi-rankings-south-asia-so-so/</link>
		<comments>http://lirneasia.net/2011/09/vietnam-stars-in-2010-idi-rankings-south-asia-so-so/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 06:09:11 +0000</pubDate>
		<dc:creator>Rohan Samarajiva</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Bangladesh]]></category>
		<category><![CDATA[Bhutan]]></category>
		<category><![CDATA[IDI]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[ITU]]></category>
		<category><![CDATA[Maldives]]></category>
		<category><![CDATA[Nepal]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[Vietnam]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=11951</guid>
		<description><![CDATA[The ICT Development Index (IDI) rankings by the ITU are out. Vietnam, a high performer on all composite ICT rankings, has leaped forward from 91st place to 81st place, in a rare 10-place advance. In South Asia, Bhutan advanced four places to 119th; Nepal by three places to 134th; and India and Sri Lanka advance [...]]]></description>
			<content:encoded><![CDATA[<p>The <a href="http://www.itu.int/ITU-D/ict/publications/idi/2011/index.html">ICT Development Index (IDI) rankings</a> by the ITU are out.</p>
<p>Vietnam, a high performer on all composite ICT rankings, has leaped forward from 91st place to 81st place, in a rare 10-place advance.</p>
<p>In South Asia, Bhutan advanced four places to 119th; Nepal by three places to 134th; and India and Sri Lanka advance by one place to 116th and 105th respectively.  Pakistan and Bangladesh drop two places each to 123rd and 137th, respectively.  Maldives, the leader among the South Asian countries, drops one place to settle at 67th place.  </p>
<p>Thailand drops nine places to 89th, something that should cause concern.  Philippines advances by 3 places to 92nd rank and Indonesia by one place to 101st.  </p>
<p>The overall winner remains Korea (no change from 2008).  Hong Kong SAR is at 6th place (same as in 2008).  The gap with Singapore has widened, with Singapore falling back to 19th place from 15th in 2008.  </p>
<p>The general lesson is that one must run fast even to maintain one&#8217;s rank.  Singapore&#8217;s score improved from 6.71 to 7.08, but it still fell back four places.    </p>
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		</item>
		<item>
		<title>Network Readiness Index 2010-11: Indonesia, Sri Lanka &amp; Bangladesh advance</title>
		<link>http://lirneasia.net/2011/07/network-readiness-index-2010-11-indonesia-sri-lanka-bangladesh-advance/</link>
		<comments>http://lirneasia.net/2011/07/network-readiness-index-2010-11-indonesia-sri-lanka-bangladesh-advance/#comments</comments>
		<pubDate>Mon, 04 Jul 2011 04:00:27 +0000</pubDate>
		<dc:creator>Rohan Samarajiva</dc:creator>
				<category><![CDATA[Bangladesh]]></category>
		<category><![CDATA[Noteworthy]]></category>
		<category><![CDATA[GITR]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[Nepal]]></category>
		<category><![CDATA[NRI]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[WEF]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=11383</guid>
		<description><![CDATA[The World Economic Forum has issued its Global Information Technology Report which includes the NRI rankings. I find the sub indices always more instructive but for now, only the top line aggregate rankings are discussed. The big winner, among the countries LIRNEasia works in and the WEF covers, is Indonesia, advancing from 67th place in [...]]]></description>
			<content:encoded><![CDATA[<p>The World Economic Forum has issued its Global Information Technology Report which includes the NRI rankings.  I find the sub indices always more instructive but for now, only the top line aggregate rankings are discussed.</p>
<p>The big winner, among the countries LIRNEasia works in and the WEF covers, is Indonesia, advancing from 67th place in 2009-10 to 53rd place in 2010-11, a massive jump of 14 places.  Sri Lanka has advanced six places from 72nd to 66th.  Bangladesh advances three places to 115th, from 118th. </p>
<p>Thailand, sadly, drops 12 places to 47th (still ahead of India, Indonesia and Sri Lanka).  Nepal drops seven places down to 131th in rank.  India drops five places to 48th rank (but is still ranked high among the lower middle income countries).  Both Philippines and Pakistan drop one place each to 86th and 88th ranks respectively.</p>
<p>There is much work to be done in emerging Asia, it seems.</p>
<p>The full report can be downloaded <a href="http://www.greyreview.com/2011/04/13/2011-networked-readiness-index-by-world-economic-forum-how-networked-is-asia/">here</a>.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Sri Lanka and Pakistan slide in BPO rankings; Bangladesh still not on the radar</title>
		<link>http://lirneasia.net/2011/04/sri-lanka-and-pakistan-slide-in-bpo-rankings-bangladesh-still-not-on-the-radar/</link>
		<comments>http://lirneasia.net/2011/04/sri-lanka-and-pakistan-slide-in-bpo-rankings-bangladesh-still-not-on-the-radar/#comments</comments>
		<pubDate>Sat, 23 Apr 2011 18:33:25 +0000</pubDate>
		<dc:creator>Rohan Samarajiva</dc:creator>
				<category><![CDATA[Bangladesh]]></category>
		<category><![CDATA[AT Kearney]]></category>
		<category><![CDATA[BPO]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[Digital Bangladesh]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[rankings]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Thailand]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=10839</guid>
		<description><![CDATA[The AT Kearney Global Services Location Index for 2011 is out. I seem to have missed the 2010 report, so comparing with 2009, which I did do a post on. India is still number 1 and China is number 2. No change. Thailand has slipped to 7 from 4, overtaken by Indonesia. Sri Lanka is [...]]]></description>
			<content:encoded><![CDATA[<p>The <a href="http://www.atkearney.com/index.php/Publications/global-services-location-index-gsli.html#">AT Kearney Global Services Location Index for 2011</a> is out.  I seem to have missed the 2010 report, so comparing with 2009, which I did do a <a href="http://lirneasia.net/2009/06/sri-lanka-and-pakistan-rise-in-bpo-rankings-headed-by-india-but-by-enough-where-is-bangladesh/">post</a> on.</p>
<p>India is still number 1 and China is number 2.  No change.</p>
<p>Thailand has slipped to 7 from 4, overtaken by Indonesia.</p>
<p>Sri Lanka is at 21, slipping from 16 in 2009.  Pakistan has slipped to 28 from 20th place in 2009.</p>
<p>And Bangladesh?  Not in the list, again.  That&#8217;s what comes from restrictive BPO policies and refusing to admit captive BPOs.  I hope the Digital Bangladesh folk are paying attention.</p>
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		</item>
		<item>
		<title>Americans become more like Filipinos?</title>
		<link>http://lirneasia.net/2010/05/americans-become-more-like-filipinos/</link>
		<comments>http://lirneasia.net/2010/05/americans-become-more-like-filipinos/#comments</comments>
		<pubDate>Fri, 14 May 2010 17:34:52 +0000</pubDate>
		<dc:creator>Rohan Samarajiva</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[BOP]]></category>
		<category><![CDATA[mobile 2.0]]></category>
		<category><![CDATA[Online social networking]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[SMS]]></category>
		<category><![CDATA[social media]]></category>
		<category><![CDATA[Teleuse@BOP]]></category>
		<category><![CDATA[texting]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=7864</guid>
		<description><![CDATA[One of the things I always have to pause and explain when talking about our Teleuse@BOP work is why 100% of Filipinos at the BOP use SMS and some never use the mobiles to make a call. Now we find the Americans are beginning to emulate the Pinoys. Liza Colburn uses her cellphone constantly. She [...]]]></description>
			<content:encoded><![CDATA[<p>One of the things I always have to pause and explain when talking about our <a href="http://lirneasia.net/projects/2008-2010/bop-teleuse-3/">Teleuse@BOP</a> work is why 100% of Filipinos at the BOP use SMS and some never use the mobiles to make a call.  <a href="http://www.nytimes.com/2010/05/14/technology/personaltech/14talk.html?src=me&#038;ref=general">Now we find</a> the Americans are beginning to emulate the Pinoys.</p>
<blockquote><p>Liza Colburn uses her cellphone constantly.</p>
<p>She taps out her grocery lists, records voice memos, listens to music at the gym, tracks her caloric intake and posts frequent updates to her Twitter and Facebook accounts.</p>
<p>The one thing she doesn’t use her cellphone for? Making calls. </p></blockquote>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Colloquium: Mobile 2.0: m-money for the unbanked</title>
		<link>http://lirneasia.net/2009/06/colloquium-mobile-20-m-money-for-the-unbanked/</link>
		<comments>http://lirneasia.net/2009/06/colloquium-mobile-20-m-money-for-the-unbanked/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 10:43:36 +0000</pubDate>
		<dc:creator>Nilusha Kapugama</dc:creator>
				<category><![CDATA[Colloquia - Live feeds]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[bank financial institution]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[Central Bank]]></category>
		<category><![CDATA[Central Banking Corp.]]></category>
		<category><![CDATA[e-loading]]></category>
		<category><![CDATA[e-loads]]></category>
		<category><![CDATA[e-money]]></category>
		<category><![CDATA[Erwin Alampay]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[Kenya]]></category>
		<category><![CDATA[m-banking]]></category>
		<category><![CDATA[m-money]]></category>
		<category><![CDATA[mobile phones]]></category>
		<category><![CDATA[NCPAG]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Php]]></category>
		<category><![CDATA[regular banking transactions]]></category>
		<category><![CDATA[SMS]]></category>
		<category><![CDATA[the Philippines]]></category>
		<category><![CDATA[USD]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=4689</guid>
		<description><![CDATA[Colloquium conducted by Dr. Erwin Alampay of NCPAG, Philippines. Presentation began by looking at the potential for M-money. Why should we use m-money? Improving efficiency: Improve services, financial services. BOP a target. BOP (migrants) relies on various forms of remittances Looking at Filipinos, 9% of BOP had a relative living abroad, and 13% in another [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Colloquium conducted by Dr. Erwin Alampay of NCPAG, Philippines.</strong></p>
<p>Presentation began by looking at the potential for M-money.</p>
<p>Why should we use m-money?</p>
<p>Improving efficiency: Improve services, financial services. BOP a target.</p>
<p>BOP (migrants) relies on various forms of remittances</p>
<p>Looking at Filipinos, 9% of BOP had a relative living abroad, and 13% in another part of the country, so there is a vested interest in m-money.</p>
<p>At present about 5% is going through informal channels according to the Filipino central bank. According to respondents about 80% sent through banks.</p>
<p>Workers need access to bank accounts in both the remitting and remitted country for remittances through banks. This is a limitation. M-money may not necessarily need an account in the remitting country.</p>
<p>Filipino workers generally prefere formal channels. Todays presentation will focus on m-money channels such as smart money of g-cash.</p>
<p>ADB: Transaction costs about 2.5%-3.5% of remittances.</p>
<p>For local remittances: Pawn shops used. Roughly remits around Php 500-1000. These are potential targets for m-money.</p>
<p>RS: How does the Pawn shops work? Pawn shops have a wide network, usually works through a call or SMS. A transaction number will be given to the person sending the money. The number will be given to the person who is due to receive the money. Identification is required for acquiring the cash. This is with regards to local remittances.</p>
<p>HG: Do the pawn shops work together, or is there a network that belong to one company. There is one network which has about 12,000 pawn shops.</p>
<p>Vasana: Are they licenced? EA: They are regulated by the central bank to a certain extend.</p>
<p>Central bank regulation is due to Anti Terrorism laws. Pawn shops charge a higher rate of interest. Technology is a catalyst for changing remittance landscape.</p>
<p>M-banking is one component of electronic money according to Circular 649 of Filipino Central Bank. M-Money is E-money stored in a mobile.</p>
<p>Electronic money defined as stored value or pre-paid payment mechanisms.</p>
<p>RS: can money loaded to the a pre-paid mobile account be refunded? EA: It is one of the issues which is going through regulatory process now.</p>
<p>3 modes of e-money issuers in Philippines: Bank (Smart money), Non bank financial institution recognised by BSP (Central Bank), Non bank registered with BSP as a money transfer agent (Example, GLOBE)</p>
<p>Registration is easier with Globe. Can do through SMS.</p>
<p>Looking at potential of M-money at the BOP the following method was used:<br />
Method of access, Material access, skills access, Usage access</p>
<p>Method of access<br />
Using LIRNEasia survey data, re-method of access, 566% of those who didnt use it said didnt know how to use it. According to focus group discussions, even though they were aware, they needed proof of efficiency, price.</p>
<p>With e-loading, familiarity with the Roman script is an advantage. If a person is familiar with transferring e-loads then using m-money will be easier.</p>
<p>Trust issues, Central bank looking at some of the issues. Security mechanisms such as PIN codes. At present Php 100,000 is the limit for any type of e-money. Same for M-money. Even if you have four m-money accounts, the total should be 100,000.</p>
<p>Material Access:<br />
Only 13% of BOP have access to Bank accounts</p>
<p>On avearge there were 1.36 mobiles per household. More access to a mobile phones so there fore more potential for m-money.</p>
<p>Identification documents and physical access to cash in are seen as barriers to M-banking.</p>
<p>Individuals can get there m-money (Gcash) out from ATMs and cash in cash out venues. Therefore accessibility is an issue. There are already some Pawn shops being used as cash in cash out venues.</p>
<p>Can register from a distance but need to go to the bank to cash in. No identification cards in Philippines. Propoer identification is a problem in the Philippines.</p>
<p>Skills Access<br />
40% of those surveyed in the LINREasia survey are familiar with e-loading.</p>
<p>99% of surveyed mobile users use SMS.</p>
<p>Filipinos top up small values at shorter time frames. Use to exchanging mobile top ups. This is consistent with remittance patterns.  Comparatively, Filipinos send money often in smaller amounts</p>
<p>GCASH and Smart are accepted as forms of payment in Philippines, but this maybe more common among the more affluent users.</p>
<p>GLOBE (2006): Transacting USD 117 Million on average.</p>
<p>SMART (2006) Transacting USD 257,200 average daily transactions.</p>
<p>HG: How much is charged for Transactions? EA: Basic of SMS cost, plus 1% of transaction cost or minimum of Php 10.</p>
<p>HG: Transmission takes one or multiple SMS? EA: Have to confirm but it maybe a minimum of 2 SMSs.</p>
<p>Challenges and Policy issues:</p>
<p>1) Developing mental access: Increasing awareness, better financial advantages.</p>
<p>2) Developing Material access: Making services that work with the kinds of phones used by BOP, making cash in/cash out more accessible.<br />
Regulating GCASH and SMART:</p>
<p>100% reserve requirement</p>
<p>HG: 100% reserve requirement for just e-money or any transfer? EA: Thats for e-money.</p>
<p>HG: Is there a time limit on the money put in the e-money account? a 100% RR is very high. EA: They do not work as banks. Money is earned through transactions.</p>
<p>Policy Issues:<br />
Security of the systems</p>
<p>prevention of fraud</p>
<p>Interoperability</p>
<p>Tracking users</p>
<p>Increasing access</p>
<p>RS: Comparisson with M-Pesa in Kenya will be useful.</p>
<p>HG: Comaprison with the regular banking transactions will also be useful.</p>
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		<item>
		<title>Broadband Quality: Think before you complain</title>
		<link>http://lirneasia.net/2009/05/broadband-think-before-you-complain/</link>
		<comments>http://lirneasia.net/2009/05/broadband-think-before-you-complain/#comments</comments>
		<pubDate>Tue, 05 May 2009 06:12:33 +0000</pubDate>
		<dc:creator>Chanuka Wattegama</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Africa]]></category>
		<category><![CDATA[Bangladesh]]></category>
		<category><![CDATA[Broadband]]></category>
		<category><![CDATA[Central Intelligence Agency]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[Internet access]]></category>
		<category><![CDATA[Johannesburg]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[South Africa]]></category>
		<category><![CDATA[Sri Lanka]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=4195</guid>
		<description><![CDATA[<a href="http://lirneasia.net/2009/05/broadband-think-before-you-complain/"><img align="left" hspace="5" width="150" height="150" src="http://lirneasia.net/wp-content/uploads/2009/05/joburg-150x150.jpg" class="alignleft wp-post-image tfe" alt="joburg" title="joburg" /></a>Unsatisfied broadband users added flavor to both our Public Seminar and Mobile Broadband QoSE workshop. That included university students prevented access during the residential peak to Wi-Max subscribers experiencing 20% of the promised speed – even with perfect LoS (Line of Sight). Such complaints are common and not limited to Sri Lanka. From Indonesia to [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://lirneasia.net/wp-content/uploads/2009/05/joburg.jpg"><img class="size-full wp-image-4196 alignnone" title="joburg" src="http://lirneasia.net/wp-content/uploads/2009/05/joburg.jpg" alt="joburg" width="500" height="375" /></a></p>
<p>Unsatisfied broadband users added flavor to both our Public Seminar and Mobile Broadband QoSE workshop. That included university students prevented access during the residential peak to Wi-Max subscribers experiencing 20% of the promised speed – even with perfect LoS (Line of Sight).</p>
<p>Such complaints are common and not limited to Sri Lanka. From Indonesia to India and from Bangladesh to Philippines we find broadband users rant not receiving the promised. We empathise with them, but this hardly an Asian or a developing world issue. The conditions elsewhere can be worse.</p>
<p>The weird arrangement above is an attempt by a Guest House in Johannesburg, South Africa to provide me Internet access. They still failed. It was in a way good, because I was told the quality was poor and even a simple task like accessing e-mails a nightmare sometimes.</p>
<p>According to CIA’s World Fact Book, South Africa is a middle-income, emerging market with an abundant supply of natural resources; well-developed financial, legal, communications, energy, and transport sectors; a stock exchange that is 17th largest in the world; and modern infrastructure supporting an efficient distribution of goods to major urban centers throughout the region. Either broadband quality does not stand to its other achievements or this is an isolated issue.</p>
<p>LIRNEasia, with the assistance of its research partners there, intends to extend its broadband benchmarking to Africa. More stories are in pipeline, when we have test results in few months.</p>
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		<title>World Bank wanted cyber-cafes for rich; we implemented ‘Nenasalas’ for poor – Sri Lanka Minister</title>
		<link>http://lirneasia.net/2009/03/3946/</link>
		<comments>http://lirneasia.net/2009/03/3946/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 06:27:55 +0000</pubDate>
		<dc:creator>Chanuka Wattegama</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Colombo]]></category>
		<category><![CDATA[Cyber]]></category>
		<category><![CDATA[Development Agency]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[Information and Communication Agency of Sri Lanka]]></category>
		<category><![CDATA[International Bank for Reconstruction and Development]]></category>
		<category><![CDATA[Internet access]]></category>
		<category><![CDATA[internet cafes]]></category>
		<category><![CDATA[Kiri Vehera]]></category>
		<category><![CDATA[Mahinda Rajapaksa]]></category>
		<category><![CDATA[Niranjan Meegammana]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[The Catalyst]]></category>
		<category><![CDATA[Tissa Vitharana]]></category>
		<category><![CDATA[Trotskyite]]></category>
		<category><![CDATA[USD]]></category>
		<category><![CDATA[Uva]]></category>
		<category><![CDATA[Uva Province]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=3946</guid>
		<description><![CDATA[<a href="http://lirneasia.net/2009/03/3946/"><img align="left" hspace="5" width="150" height="150" src="http://lirneasia.net/wp-content/uploads/2009/03/tissa-150x150.jpg" class="alignleft wp-post-image tfe" alt="tissa" title="tissa" /></a>Old habits die hard. When you have been a member of a tiny Trotskyite left political party for the longer period of your life and seen the World Bank as your arch enemy, you may forget that you are on the same side now. This seems to be what happens to Sri Lanka’s Minister of [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://lirneasia.net/wp-content/uploads/2009/03/tissa.jpg"><img class="alignleft size-full wp-image-3947" title="tissa" src="http://lirneasia.net/wp-content/uploads/2009/03/tissa.jpg" alt="tissa" width="200" height="236" /></a>Old habits die hard. When you have been a member of a tiny Trotskyite left political party for the longer period of your life and seen the World Bank as your arch enemy, you may forget that you are on the same side now. This seems to be what happens to Sri Lanka’s Minister of Science and Technology, Prof. Tissa Vitharana, once in a while.</p>
<p>His latest holler, as reported by ‘The Catalyst’ – the newsletter of the Information and Communication Agency of Sri Lanka (ICTA), the apex body of ICTs that spearhead the e-Sri Lanka program, funded by the World Bank, goes as follows:</p>
<p><strong><em>“At a time when the ‘world funding bodies’ proposed the setting of Internet cafes in cities of Sri Lanka in a manner that would only cater only to the rich elite, President Mahinda Rajapaksa decided that Nenasalas or wisdom outlets should be setup instead island-wide to cater to the poor rural folk.”</em></strong></p>
<p>We are certain the World Bank’s ability to speak for itself, but feel the need to set the record straight especially for the benefit of those who are unaware of the history of e-Sri Lanka program.</p>
<p>Firstly, Mr. Minister, Cyber cafes are not for rich elite, who now have their own laptops with HSPA connections. Cyber cafes are for the poor, who cannot afford their own PCs, and right now serve millions in countries like Philippines, Indonesia and Thailand. In most of the Asian societies cyber cafes – surely not the donor supported telecenters &#8211; are the key means of Internet access by the poor.</p>
<p>Secondly Mr. Minister, World Bank or any other Development Agency for that matter, has never promoted the idea of net access for the rich. No matter what the flaws in the approach, their priority has always been rural areas typically not served by the market. If you care to check the original e-Sri Lanka document, you will find there have never been any suggestions to setup telecenters for rich Colombo elite. On the contrary, the Nenasalas within center Colombo, was introduced only after 2004.</p>
<p>Thirdly, Mr. Minister, the idea of having Vishva Gnana Kendras (VGKs) – as the forerunner was known &#8211; was to have more financially viable tele-centers, which could stand on their own feet, instead creating a donor funded unsustainable model. The fallacy of Nenasala model is yet to be discovered at the point of the end of donor funding. For example, according to Niranjan Meegammana, a consultant to ICTA, sixteen Nenasalas in Uva province (Girandurukotte, Balagolla, Talakumbura, Kabillegama, Parahettiya, Hali Ela, Maspanna, Divurumpola, Wekumbura, Badalkumbura, Therulla, Siyambalanduwa, Ethimale, Suriya-ara and Kiri Vehera) earns less than USD 50 per month – too little to cover even their operating costs. How these Nenasalas will continue without donor funding is a question awaiting an answer.</p>
<p>Fourthly, Mr. Minister, not all Nenasalas cater to the poor. Having visited them personally we can name few Nenasala’s which never opens their door to the poor but used only by the rich incumbent priests of the temples – against the wishes of the donors.</p>
<p>The truth can be very different from what the voters wants to hear.</p>
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		<title>LIRNEasia research published in Telektronikk</title>
		<link>http://lirneasia.net/2008/10/lirneasia-research-published-in-telektronikk/</link>
		<comments>http://lirneasia.net/2008/10/lirneasia-research-published-in-telektronikk/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 11:15:06 +0000</pubDate>
		<dc:creator>Nirmali Sivapragasam</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Ayesha Zainudeen]]></category>
		<category><![CDATA[BOP]]></category>
		<category><![CDATA[Bottom Of The Pyramid]]></category>
		<category><![CDATA[Harsha de Silva]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Norway]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Telektronikk]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[universal access]]></category>

		<guid isPermaLink="false">http://lirneasia.net/?p=2598</guid>
		<description><![CDATA[An article entitled, &#8216;Teleuse at the Bottom of the Pyramid: Beyond Universal Access&#8217;, co-authored by Harsha de Silva and Ayesha Zainudeen, has been published in Telektronikk, a leading telecommunications journal, published by Telenor, Norway. Appearing in the journal&#8217;s second issue for 2008, aptly titled, &#8216;Emerging Markets in Telecommunications&#8217;, the article explores the extent to which &#8220;universal [...]]]></description>
			<content:encoded><![CDATA[<p>An article entitled, <a href="http://www.telenor.com/telektronikk/volumes/pdf/2.2008/Tel_2-08_Page_025-038.pdf">&#8216;Teleuse at the Bottom of the Pyramid: Beyond Universal Access&#8217;</a>, co-authored by <a href="http://lirneasia.net/profiles/harsha-desilva/">Harsha de Silva</a> and <a href="http://lirneasia.net/profiles/ayesha-zainudeen/">Ayesha Zainudeen</a>, has been published in <a href="http://www.telenor.com/telektronikk/">Telektronikk</a>, a leading telecommunications journal, published by <a href="http://www.telenor.com/about/">Telenor, Norway</a>.</p>
<p>Appearing in the journal&#8217;s second issue for 2008, aptly titled, <a href="http://www.telenor.com/telektronikk/volumes/index.php?page=overview&amp;id1=75&amp;select=05-09">&#8216;Emerging Markets in Telecommunications&#8217;</a>, the article explores the extent to which &#8220;universal access&#8221; to telecommunications has been achieved  in Asia, based on findings from LIRNEasia&#8217;s <a href="http://lirneasia.net/projects/2006-07/bop-teleuse/">five-country study</a> of the use of telecommunication services at the ‘Bottom of the Pyramid’, namely in India, Pakistan, Philippines, Sri Lanka and Thailand.</p>
<p>Very high levels of access, but low levels of ownership are found. The paper then looks at the potential benefits that these non-owner users are missing out on, and then goes on to look at the key barriers to ownership that are faced by them. The paper estimates that there could be close to 150 million new subscribers at the BOP in these five countries by mid-2008. However, a distinct affordability gap is found. Possible ways to deal with this affordability gap are proposed in the final section with emphasis on multiple stakeholder efforts.</p>
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		<title>Will you be virtual too?</title>
		<link>http://lirneasia.net/2008/05/will-you-be-virtual-too/</link>
		<comments>http://lirneasia.net/2008/05/will-you-be-virtual-too/#comments</comments>
		<pubDate>Wed, 14 May 2008 06:16:53 +0000</pubDate>
		<dc:creator>Chanuka Wattegama</dc:creator>
				<category><![CDATA[Documents]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Afghanistan]]></category>
		<category><![CDATA[Bangladesh]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[Maldives]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[Virtual Office]]></category>
		<category><![CDATA[Virtual Organisation]]></category>
		<category><![CDATA[Virtual Team]]></category>

		<guid isPermaLink="false">http://www.lirneasia.net/?p=2532</guid>
		<description><![CDATA[<a href="http://lirneasia.net/2008/05/will-you-be-virtual-too/"><img align="left" hspace="5" width="150" src="http://www.lirneasia.net/wp-content/uploads/2008/05/virtual-300x174.jpg" class="alignleft wp-post-image tfe" alt="" title="virtual" /></a>LIRNEasia might not be as high tech as some of the big IT players but in our own way we have made a successful effort to make ourselves a virtual team. Not a choice – that was the only way we could operate in multiple countries (For example, in this cycle, TRE surveys will be in nine [...]]]></description>
			<content:encoded><![CDATA[<p><span lang="EN-US"><a href="http://www.lirneasia.net/wp-content/uploads/2008/05/virtual.jpg"><img class="alignnone size-medium wp-image-2534" style="vertical-align: top;" title="virtual" src="http://www.lirneasia.net/wp-content/uploads/2008/05/virtual-300x174.jpg" alt="" width="500" height="290" /></a></span></p>
<p><a href="http://www.youtube.com/watch?v=ZmfXksLir1g&amp;feature=related "></a></p>
<p>LIRNEasia might not be as high tech as some of the big IT players but in our own way we have made a successful effort to make ourselves a virtual team. Not a choice – that was the only way we could operate in multiple countries (For example, in this cycle, TRE surveys will be in nine countries -  Afghanistan, Bangladesh, India, Indonesia, Maldives, Pakistan, Philippines, Sri Lanka and Thailand; not to mention CPRSouth 3 in Beijing)without budgets comparable to what INGOs use to run regional networks.</p>
<p>We also thought our own experiences will be useful for others. Hence the Virtual Organisation (VO)  project. It had two aspects; developing the VO and using it to conduct LIRNEasia’s other research projects.</p>
<p>The case study is now out. It describes our efforts, outcome and lessons learnt. It is intended for any research/civil society (or even private sector or government) organisation, with limited staff that plans to work from geographically distant locations. It is also for project based organisations with limited overhead budgets.</p>
<p>Downlaod the full report at the link below.</p>
<p><a href="http://www.lirneasia.net/wp-content/uploads/2008/05/virtual-organisation-report-final1.pdf">Report: LIRNEasia as a model Virtual Organisation</a></p>
<p> </p>
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		<title>Who is the least generous of them all?</title>
		<link>http://lirneasia.net/2007/12/who-is-the-least-generous-of-them-all/</link>
		<comments>http://lirneasia.net/2007/12/who-is-the-least-generous-of-them-all/#comments</comments>
		<pubDate>Thu, 13 Dec 2007 01:46:57 +0000</pubDate>
		<dc:creator>Chanuka Wattegama</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[cellular telephone]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[Thailand]]></category>

		<guid isPermaLink="false">http://www.lirneasia.net/2007/12/who-is-the-least-generous-of-them-all/</guid>
		<description><![CDATA[<a href="http://lirneasia.net/2007/12/who-is-the-least-generous-of-them-all/"><img align="left" hspace="5" width="150" src="http://www.lirneasia.net/wp-content/uploads/2007/12/quiz-jpg.jpg" class="alignleft wp-post-image tfe" alt="quiz" title="quiz" /></a>Among the five countries LIRNEasia has conducted its survey on teleuse at the Bottom of the Pyramid (BoP), which country do you think we found people who are least willing to share their mobile phone with a another? (a) India (b) Pakistan (c) Philippines (d) Sri Lanka (e) Thailand This was one of the interesting [...]]]></description>
			<content:encoded><![CDATA[<p><a rel="attachment wp-att-2012" href="http://www.lirneasia.net/2007/12/who-is-the-least-generous-of-them-all/quiz/" title="quiz"><img align="top" width="500" src="http://www.lirneasia.net/wp-content/uploads/2007/12/quiz-jpg.jpg" alt="quiz" height="365" style="width: 500px; height: 365px" title="quiz" /></a><br />
Among the five countries LIRNEasia has conducted its survey on teleuse at the Bottom of the Pyramid (BoP), which country do you think we found people who are least willing to share their mobile phone with a another?</p>
<p>(a) India<br />
(b) Pakistan<br />
(c) Philippines<br />
(d) Sri Lanka<br />
(e) Thailand</p>
<p>This was one of the interesting questions asked during the interactive quiz show at the LIRNEasia organized session at GK3, &#8216;Teleuse at the Bottom of the Pyramid&#8217;. The session addressed issues like the misconceptions about the teleuse (including Internet) at the BoP; exact nature of the demand at the BoP (in terms of using common facilities, getting connected, staying connected); strategic behaviours do users at the BoP engage in and policy and regulatory barriers stand in the way of the BoP being served.</p>
<p>Team Blue emerged as clear winners scoring 105 marks against 35 scored by Team Red.</p>
<p>Part 2 of the quiz show will be there today (Dec 13) from 14:00 &#8211; 15:30 hrs @ Room 302, Level 3, KLCC.</p>
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		<title>Documentary film highlights telephone revolution in Asia&#8217;s emerging markets</title>
		<link>http://lirneasia.net/2007/12/documentary-film-highlights-telephone-revolution-in-asias-emerging-markets/</link>
		<comments>http://lirneasia.net/2007/12/documentary-film-highlights-telephone-revolution-in-asias-emerging-markets/#comments</comments>
		<pubDate>Thu, 06 Dec 2007 10:30:33 +0000</pubDate>
		<dc:creator>Nirmali Sivapragasam</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[Noteworthy]]></category>
		<category><![CDATA[ACNielsen]]></category>
		<category><![CDATA[Asia]]></category>
		<category><![CDATA[Ayesha Zainudeen]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[Canada\'s
International Development Research Centre]]></category>
		<category><![CDATA[cellular telephone]]></category>
		<category><![CDATA[Dialog Telekom]]></category>
		<category><![CDATA[emergency communications]]></category>
		<category><![CDATA[Emerging Technologies]]></category>
		<category><![CDATA[Global Knowledge Partnership]]></category>
		<category><![CDATA[Harsha de Silva]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[International Development Research Centre]]></category>
		<category><![CDATA[Kuala Lumpur]]></category>
		<category><![CDATA[LIRNEasia Lead]]></category>
		<category><![CDATA[Malaysia]]></category>
		<category><![CDATA[Nalaka Gunawardene]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[social networking benefits]]></category>
		<category><![CDATA[Sri Lanka]]></category>
		<category><![CDATA[telephone use]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[TVE Asia Pacific]]></category>
		<category><![CDATA[youth enterprise]]></category>

		<guid isPermaLink="false">http://www.lirneasia.net/2007/12/documentary-film-highlights-telephone-revolution-in-asias-emerging-markets/</guid>
		<description><![CDATA[A new documentary film, titled Teleuse@BOP,  recently produced by TVE Asia Pacific (TVEAP) and based on LIRNEasia’s  study on Teleuse at the Bottom of the Pyramid, highlights a communication revolution happening in Asia&#8217;s emerging telecommunication markets. When it comes to using phones, the film says, people at the bottom of the income pyramid are no different [...]]]></description>
			<content:encoded><![CDATA[<p>A new documentary film, titled Teleuse@BOP,  recently produced by <a href="http://www.tveap.org/">TVE Asia Pacific </a>(TVEAP) and based on LIRNEasia’s  study on <a href="http://www.lirneasia.net/projects/current-projects/bop-teleuse/">Teleuse at the Bottom of the Pyramid</a>, highlights a communication revolution happening in Asia&#8217;s emerging telecommunication markets.</p>
<p>When it comes to using phones, the film says, people at the bottom of the income pyramid are no different from anyone else; they value the enhanced personal security, including emergency communications, and social networking benefits. Increasingly, poor people are not content with just using public phones or shared access phones (belonging friends or family). They see a utility and social value of having their own phones.<span id="more-907"></span></p>
<p>These insights emerged from LIRNEasia&#8217;s large representative sample survey of telephone use at BOP in India, Pakistan, Philippines, Sri Lanka and Thailand. The survey conducted by ACNielsen, a multinational market research company, confirmed some known trends, whilst challenging conventional wisdom on several fronts. According to LIRNEasia Lead Economist <a href="http://www.lirneasia.net/profiles/harsha-desilva/">Dr. Harsha de Silva</a>, the findings completely debunked the myth that 50 per cent of people had never used a telephone.</p>
<p><strong>Part 1</strong><br />
<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/MScc9UNeX7k&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/MScc9UNeX7k&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object><br />
<em>Scroll down for Part 2</em></p>
<p>The survey also found that men and women use phones pretty much the same way at the bottom of the pyramid. Says <a href="http://www.lirneasia.net/profiles/ayesha-zainudeen/">Ayesha Zainudeen</a>, Senior Researcher, LIRNEasia: &#8220;There are almost no differences between men and women &#8212; except in the case of Pakistan, where you have the cultural factors playing in.&#8221;</p>
<p>The survey, supported by Canada&#8217;s <a href="http://www.idrc.ca/en/ev-1-201-1-DO_TOPIC.html">International Development Research Centre</a>, IDRC, has been well received by telecom operators and industry regulators across Asia.<br />
 <br />
The film features an interview with the head of Sri Lanka&#8217;s leading mobile phone company, Dialog Telekom, who acknowledges using survey findings to further customise products to suit aspirations at the bottom of the pyramid.                                                                              </p>
<p>The film will be premiered at the <a href="http://www.gkpeventsonthefuture.org/gk3">Third Global Knowledge Conference</a> (GK3) in Kuala Lumpur, Malaysia, from 11 to 13 December 2007. It will be part of an interactive quiz that LIRNEasia and TVE Asia Pacific will jointly present during the global event, expected to attract 2,000 participants.                                                                                                  </p>
<p>Focusing on the theme &#8220;Emerging People, Emerging Markets, Emerging Technologies&#8221;, GK3 will connect those in governments, business, civil society and academia engaged in using ICT tools for meeting the real world’s needs — to reduce poverty, increase incomes, create safer communities, create sustainable societies and support youth enterprise, etc.<br />
                                                                                                                                                           The interactive quiz will be conducted by TVEAP Director Nalaka Gunawardene, who counts many years of experience in broadcast quiz shows. He will be joined by LIRNEasia&#8217;s research staff to provide the live audience with interesting insights into the wide-ranging survey.</p>
<p>The telecom industry believes that the next billion phone subscribers will come mostly from the emerging markets. Therefore, understanding tele-use at the bottom of the pyramid becomes very important.</p>
<p>As with all TVEAP films, Teleuse@BOP will be available to broadcast, civil society and educational users without a license fee.</p>
<p>Both LIRNEasia and TVE Asia Pacific are members of the Global Knowledge Partnership (GKP), conveners of the GK3 platform.</p>
<p><strong>Part 2</strong><br />
<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/4pfAy_A7Klk&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/4pfAy_A7Klk&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
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		<title>Cell Phones Double as e-wallets in RP</title>
		<link>http://lirneasia.net/2007/10/cell-phones-double-as-e-wallets-in-rp/</link>
		<comments>http://lirneasia.net/2007/10/cell-phones-double-as-e-wallets-in-rp/#comments</comments>
		<pubDate>Thu, 04 Oct 2007 04:45:19 +0000</pubDate>
		<dc:creator>Lorraine Salazar</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Ahli United Bank]]></category>
		<category><![CDATA[Anna Tiangco]]></category>
		<category><![CDATA[Associated Press]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[Bahrain]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[bank account]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[bank line]]></category>
		<category><![CDATA[bank products]]></category>
		<category><![CDATA[bank wire transfer]]></category>
		<category><![CDATA[cell phones]]></category>
		<category><![CDATA[cellular telephone]]></category>
		<category><![CDATA[computer chip]]></category>
		<category><![CDATA[Dennis Tiangco]]></category>
		<category><![CDATA[e - commerce]]></category>
		<category><![CDATA[e-wallets]]></category>
		<category><![CDATA[Etisalat]]></category>
		<category><![CDATA[EUR]]></category>
		<category><![CDATA[financial transactions over mobile networks]]></category>
		<category><![CDATA[G-Xchange]]></category>
		<category><![CDATA[Globe Telecom]]></category>
		<category><![CDATA[GM Bank]]></category>
		<category><![CDATA[HKD]]></category>
		<category><![CDATA[Hong Kong]]></category>
		<category><![CDATA[Hong Kong CSL Ltd.]]></category>
		<category><![CDATA[Joseph Estrada]]></category>
		<category><![CDATA[Kenya]]></category>
		<category><![CDATA[Middle East]]></category>
		<category><![CDATA[Mobile banking]]></category>
		<category><![CDATA[Mobile banking services]]></category>
		<category><![CDATA[mobile phones]]></category>
		<category><![CDATA[money transfer service]]></category>
		<category><![CDATA[MTC]]></category>
		<category><![CDATA[Peso]]></category>
		<category><![CDATA[Philippines]]></category>
		<category><![CDATA[Ramon Isberto]]></category>
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		<category><![CDATA[Smart]]></category>
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		<category><![CDATA[South Africa]]></category>
		<category><![CDATA[telecommunications operator]]></category>
		<category><![CDATA[the Philippines]]></category>
		<category><![CDATA[UAE]]></category>
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		<category><![CDATA[USD]]></category>
		<category><![CDATA[Vodafone]]></category>

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		<description><![CDATA[Cell phones double as electronic wallets in RP By Oliver Teves Associated Press Last updated 10:42am (Mla time) 09/30/2007 Philippine Daily Inquirer SAN MIGUEL, Philippines&#8211;It&#8217;s Thursday, so 18-year-old Dennis Tiangco is off to a bank to collect his weekly allowance, zapped by his mother&#8211;who&#8217;s working in Hong Kong&#8211;to his electronic wallet: his cell phone. Sauntering [...]]]></description>
			<content:encoded><![CDATA[<p>Cell phones double as electronic wallets in RP<br />
By Oliver Teves<br />
Associated Press<br />
Last updated 10:42am (Mla time) 09/30/2007<br />
Philippine Daily Inquirer</p>
<p>SAN MIGUEL, Philippines&#8211;It&#8217;s Thursday, so 18-year-old Dennis Tiangco is off to a bank to collect his weekly allowance, zapped by his mother&#8211;who&#8217;s working in Hong Kong&#8211;to his electronic wallet: his cell phone.</p>
<p>Sauntering into a branch of GM Bank in the town of San Miguel, Dennis fills out a form, sends a text message via his phone to a bank line dedicated to the service.</p>
<p>In a matter of seconds, the transaction is approved and the teller gives him P2,500 (US$54), minus a 1-percent fee. He doesn&#8217;t need a bank account to retrieve the money.</p>
<p>More than 5.5 million Filipinos now use their cell phones as virtual wallets, making the Philippines a leader among developing nations in providing financial transactions over mobile networks.</p>
<p>Mobile banking services, which are also catching on in Kenya and South Africa, enable people who don&#8217;t have bank accounts to transfer money easily, quickly and safely. It&#8217;s spreading in the developing world because mobile phones are much more common than bank accounts.<span id="more-757"></span></p>
<p>The system is particularly useful for the 8 million Filipinos&#8211;10 percent of the country&#8217;s citizens&#8211;who work overseas and send money home, like Dennis&#8217; mother, Anna Tiangco. Previously, she sent money via a bank wire transfer, which costs HK$20 (US$2.50, â‚1.83) and takes two days to clear. The cell phone method costs only HK$1 (13 U.S. cents, 9 euro cents) and is nearly instantaneous.</p>
<p>&#8220;The good thing here is, wherever my children are, they can text me and I can send money immediately,&#8221; she said by telephone from Hong Kong.</p>
<p>Consumers also can store limited amounts of money on their cell phones to buy things at stores that participate in the network&#8211;although this practice isn&#8217;t yet widespread in the Philippines.</p>
<p>Many more Filipinos use their phones to send airtime values called &#8220;loads&#8221; to prepaid subscribers. A parent, for example, can send a 60-peso load to replenish a child&#8217;s cell phone, charged to the parent&#8217;s account.</p>
<p>While Japanese and South Korean consumers have been using cell phones as virtual wallets for several years, those systems use a computer chip implanted in handset that allows people to buy things by waving the phone in front of a sensor. The Philippine system relies on simple text messages, which cost just 1 peso (2 US cents) to send.</p>
<p>The 41 million cell phone users in the Philippines are avid texters. The electronic connections have fostered a culture of quick greetings and forwarded jokes. Text messages also played a key role in mobilizing crowds that fueled the 2001 &#8220;people power&#8221; revolt that ousted President Joseph Estrada.</p>
<p>The Philippines&#8217; two biggest mobile service providers, Globe Telecom and Smart Communications, have harnessed this penchant for text messaging to enable consumers to enter the world of e-commerce.</p>
<p>Tapping into the cash flow from overseas Filipinos&#8211;who sent home US$12.7 billion last year&#8211;Globe and Smart forged partnerships with foreign mobile providers and banks, as well as with local banks and merchants, to create a network that allows users to send and receive cash internationally.</p>
<p>When Anna Tiangco wants to send cash home, for example, she goes to a branch of her local provider, Hong Kong CSL Ltd., where a clerk credits her cell phone with the amount she has brought with her. She then transfers the money to family members via text messages&#8211;in essence instructing her providers to deduct money from her balance to the recipients she indicates.</p>
<p>If a cell phone loaded with cash values is lost or stolen, the money can&#8217;t be tapped as long as the personal identification number isn&#8217;t revealed. Control over the funds can be restored with a replacement SIM card from either mobile provider.</p>
<p>The system was &#8220;built for remote payments and for the unbanked markets,&#8221; said Rizza Maniego Eala, president of G-Xchange, Globe&#8217;s subsidiary in charge of its G-Cash money transfer service.</p>
<p>Eala said her company&#8217;s 500,000 G-Cash users transfer about US$100 million monthly (â‚73 million), but she declined to say how many transactions involve remittances from overseas.</p>
<p>Smart offers a slightly different money transfer system, used by about 5 million Filipinos, that links cash or a debit card to a cell phone.</p>
<p>Users load up their phones with money via text messages. The card&#8211;which costs P200 but does not require a bank account&#8211;can then be used to purchase goods in establishments that accept MasterCard, or to withdraw cash from an ATM machine.</p>
<p>Smart Communications spokesman Ramon Isberto said each time the recipient spends the money, the sender receives a transaction message. That allows the sender to see how the funds are used.&#8221;The added value there now is that Filipinos overseas have greater control over their funds. Believe me, that is important to them,&#8221; he said.</p>
<p>Smart and UAE&#8217;s leading telecommunications operator, Etisalat, have agreed to provide money transfer service to hundreds of thousands of Filipinos in the Middle East. Smart also will soon launch a remittance system in Bahrain in partnership with MTC-Vodafone and Ahli United Bank there, and Banco de Oro in the Philippines, Isberto said.</p>
<p>&#8220;The bank products remain clearly bank products. We positioned ourselves as an enabler for banks and other financial institutions to provide products and services to their customers in ways they would otherwise not have been able to,&#8221; he said.</p>
<p>Aside from transferring cash and making purchases, both Globe and Smart also allow their users to pay bills with their phones. Anna Tiangco said she pays her family&#8217;s electric bills in San Miguel from Hong Kong via text messages, just like she sends money.</p>
<p>&#8220;Even if we are far apart, it&#8217;s like we are still together,&#8221; she said. &#8220;This is like my wallet now.&#8221;</p>
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		<title>&#8220;Mobile kills the telecenter star&#8221;&#8211;Helani Galpaya at U of Southern California</title>
		<link>http://lirneasia.net/2007/10/mobile-kills-the-telecenter-star-helani-galpaya-at-u-of-southern-california/</link>
		<comments>http://lirneasia.net/2007/10/mobile-kills-the-telecenter-star-helani-galpaya-at-u-of-southern-california/#comments</comments>
		<pubDate>Tue, 02 Oct 2007 15:20:38 +0000</pubDate>
		<dc:creator>Rohan Samarajiva</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[communication technologies]]></category>
		<category><![CDATA[community internet access centers]]></category>
		<category><![CDATA[e-development]]></category>
		<category><![CDATA[end citizen services]]></category>
		<category><![CDATA[immediate and ubiquitous tool]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Pakistan]]></category>
		<category><![CDATA[Philippines]]></category>
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		<category><![CDATA[University of Southern California]]></category>

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		<description><![CDATA[On October 1, LIRNEasia&#8217;s Director of Strategic Development Helani Galpaya made a presentation at the University of Southern California.&#160;&#160; Her title is a play on an old song celebrating the golden era of radio:&#160; &#8220;Video killed the radio star.&#8221;&#160; The slides she used are available here . USC Annenberg &#124; Annenberg Research Network on International [...]]]></description>
			<content:encoded><![CDATA[<p>On October 1, LIRNEasia&#8217;s Director of Strategic Development Helani Galpaya made a presentation at the University of Southern California.&nbsp;&nbsp; Her title is a play on an old song celebrating the golden era of radio:&nbsp; &#8220;<a href="http://en.wikipedia.org/wiki/Video_Killed_the_Radio_Star">Video killed the radio star</a>.&#8221;&nbsp; The slides she used are available <a href="http://arnic.info/galpayaseminar.php"></a><a href="http://arnic.info/galpayaseminar.php">here</a> .</p>
<p><a href="http://annenberg.usc.edu/Events/071001_ressem.aspx">USC Annenberg | Annenberg Research Network on International Communication Speaker Series: Helani Galpaya</a> <br /> <br />
<blockquote>Join students and faculty for a presentation by LIRNEasia&#8217;s Director of Strategic Development, Helani Galpaya. Her topic: &#8220;Mobile Kills the Telecenter Star.&#8221; From Ms. Galpaya: &#8220;Much attention goes towards using information and communication technologies (ICTs) to improve the lives of citizens in developing countries. Although telecenters (community internet access centers), which have become the bright &#8220;stars&#8221; in many e-development programs in Asian countries, do have a role to play in providing ‘higher’-end citizen services to people at the bottom of the pyramid (BOP) in India, Sri Lanka, Pakistan, Philippines and Thailand, telephones are the cheaper, immediate and ubiquitous tool for Asian governments to inform, transact and interact with almost 400 million of their most needy citizens.&#8221;</p></blockquote>
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		<title>Missed calls / beeping / flashing &#8211; a universal strategy?</title>
		<link>http://lirneasia.net/2007/09/missed-calls-beeping-flashing-a-universal-strategy/</link>
		<comments>http://lirneasia.net/2007/09/missed-calls-beeping-flashing-a-universal-strategy/#comments</comments>
		<pubDate>Fri, 28 Sep 2007 11:37:23 +0000</pubDate>
		<dc:creator>Ayesha Zainudeen</dc:creator>
				<category><![CDATA[Documents]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Africa]]></category>
		<category><![CDATA[Andrew Heavens]]></category>
		<category><![CDATA[Cairo]]></category>
		<category><![CDATA[Cape Town]]></category>
		<category><![CDATA[cellular network]]></category>
		<category><![CDATA[cellular telephone]]></category>
		<category><![CDATA[cheaper technology]]></category>
		<category><![CDATA[Devine Kofiloto]]></category>
		<category><![CDATA[Ethiopia]]></category>
		<category><![CDATA[Faisal Ijaz Khan]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Institute of Electrical and Electronics Engineers]]></category>
		<category><![CDATA[Irene Mbarika]]></category>
		<category><![CDATA[Johnathan Donner]]></category>
		<category><![CDATA[Jonathan Donner]]></category>
		<category><![CDATA[KHARTOUM]]></category>
		<category><![CDATA[Microsoft]]></category>
		<category><![CDATA[mobile telephone markets]]></category>
		<category><![CDATA[mobile-phone operator]]></category>
		<category><![CDATA[much cheaper technology]]></category>
		<category><![CDATA[Pakistan]]></category>
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		<category><![CDATA[social protocol]]></category>
		<category><![CDATA[SouthEast Asia]]></category>
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		<category><![CDATA[Sudan]]></category>
		<category><![CDATA[technology association]]></category>
		<category><![CDATA[Thailand]]></category>
		<category><![CDATA[the Philippines]]></category>
		<category><![CDATA[U.N.\'s International Telecommunication Union]]></category>
		<category><![CDATA[USD]]></category>
		<category><![CDATA[Victor W.A. Mbarika]]></category>
		<category><![CDATA[Zain (formerly MTC)]]></category>

		<guid isPermaLink="false">http://www.lirneasia.net/2007/09/missed-calls-beeping-flashing-a-universal-strategy/</guid>
		<description><![CDATA[Missed calling (also referred to as beeping, flashing and many other names) has been most talked about in Africa; Johnathan Donner has been talking and writing about it for some time now; his research provides interesting insights into what he calls the ‘rules’ of beeping. A recent Reuters article looks at the growing phenomenon in [...]]]></description>
			<content:encoded><![CDATA[<p>Missed calling (also referred to as beeping, flashing and many other names) has been most talked about in Africa; <a href="http://www.jonathandonner.com">Johnathan Donner </a>has been talking and writing about it for some time now; his research provides interesting insights into what he calls the ‘rules’ of beeping.  A recent <a href="http://news.yahoo.com/s/nm/20070926/od_nm/africa_beeping1_dc">Reuters article </a>looks at the growing phenomenon in not only Africa but other regions too. LIRNEasia&#8217;s Teleuse@BOP survey findings also show that the phenomenon is <a href="http://www.lirneasia.net/wp-content/uploads/2007/09/tabop_missedcalls.pdf">considerably common among bottom of the pyramid (defined here as Socioeconomic Classification groups D &#038; E) phone users in India, Pakistan, the Philippines, Sri Lanka and Thailand</a>. But what&#8217;s more interesting, is that the phenomenon was seen as being used more or less to the same extent in the &#8216;middle and top of the pyramid&#8217; (defined in the study as Socioeconomic Classification groups A, B &#038; C). This held true for phone owners in <strong>all </strong>five countries studied –  Pakistan, India (with some of the lowest per minute call rates in the world), Sri Lanka, Philippines and even Thailand (the country with the highest per capita GDP among the set of countries studied). What this seems to imply that in addition to cost-saving reasons, this way of communicating may be used for other reasons too; perhaps to avoid disturbing the other person, or maybe even just as an easy way of giving your phone number to a new contact. This could be an interesting area for further study.</p>
<blockquote><p><a href="http://news.yahoo.com/s/nm/20070926/od_nm/africa_beeping1_dc">Phone credit low? Africans go for &#8220;beeping&#8221; </a><br />
By Andrew Heavens |  Wed Sep 26, 11:32 AM ET</p>
<p>KHARTOUM (Reuters) &#8211; If you are in Sudan it is a &#8216;missed call&#8217;. In Ethiopia it is a &#8216;miskin&#8217; or a &#8216;pitiful&#8217; call. In other parts of Africa it is a case of &#8216;flashing&#8217;, &#8216;beeping&#8217; or in French-speaking areas &#8216;bipage&#8217;. <span id="more-1497"></span></p>
<p>Wherever you are, it is one of the fastest-growing phenomena in the continent&#8217;s booming mobile telephone markets &#8212; and it&#8217;s a headache for mobile operators who are trying to figure out how to make some money out of it.</p>
<p>You beep someone when you call them up on their mobile phone &#8212; setting its display screen briefly flashing &#8212; then hang up half a second later, before they have had a chance to answer. Your friend &#8212; you hope &#8212; sees your name and number on their list of &#8216;Missed Calls&#8217; and calls you back at his or her expense.</p>
<p>It is a tactic born out of ingenuity and necessity, say analysts who have tracked an explosion in miskin calls by cash-strapped cellphone users from Cape Town to Cairo.</p>
<p>&#8220;Its roots are as a strategy to save money,&#8221; said Jonathan Donner, an India-based researcher for Microsoft who is due to publish a paper on &#8220;The Rules of Beeping&#8221; in the high-brow online Journal of Computer Mediated Communication in October.</p>
<p>Donner first came across beeping in Rwanda, then tracked it across the continent and beyond, to south and southeast Asia. Studies quoted in his paper estimate between 20 to more than 30 percent of the calls made in Africa are just split-second flashes &#8212; empty appeals across the cellular network.</p>
<p>The beeping boom is being driven by a sharp rise in mobile phone use across the continent.</p>
<p>Africa had an estimated 192.5 million mobile phone users in 2006, up from just 25.3 million in 2001, according to figures from the U.N.&#8217;s International Telecommunication Union. Customers may have enough money for the one-off purchase of a handset, but very little ready cash to spend on phone cards for the prepaid accounts that dominate the market.</p>
<p>Africa&#8217;s mobile phone companies say the practice has become so widespread they have had to step in to prevent their circuits being swamped by second-long calls.</p>
<p>&#8220;We have about 355 million calls across the whole network every day,&#8221; said Faisal Ijaz Khan, chief marketing officer for the Sudanese arm of Kuwaiti mobile phone operator Zain (formerly MTC). &#8220;And then there are another 130 million missed calls every day. There are a lot of missed calls in Africa.&#8221;</p>
<p>&#8216;CALL ME BACK&#8217;</p>
<p>Zain is responding to the demand by drawing up plans for a &#8220;Call-me-back&#8221; service in Sudan, letting customers send open requests in the form of a very basic signal to friends for a phone call.</p>
<p>The main advantage for the company is that the requests will be diverted from the main network and pushed through using a much cheaper technology (USSD or Unstructured Supplementary Service Data).</p>
<p>A handful of similar schemes are springing up across Africa, says Informa principal analyst Devine Kofiloto. &#8220;It is widespread. It is a concern for operators in African countries, whose networks become congested depending on the time of day with calls they cannot bill for.</p>
<p>&#8220;They try to discourage the practice by introducing services where customers can send a limited number of &#8216;call-back&#8217; request either free of charge or for a minimum fee.&#8221;</p>
<p>There are plenty of other reasons why mobile operators are keen to cut down on the practice. One is it annoys customers, pestered by repeated missed calls.</p>
<p>A second is that &#8216;flashes&#8217; eat into one of mobile phone companies&#8217; favorite performance indicators &#8212; ARPU or average revenue per user. Miscalls earn very little in themselves &#8211; and don&#8217;t always persuade the target to ring back.</p>
<p>Orange Senegal, Kofiloto said, lets customers send a &#8216;Rappelle moi&#8217; (&#8216;Call me back&#8217;) when their phone credit drops below $0.10. With Safaricom Kenya, it is a &#8220;Flashback 130&#8243; (limited to five a day &#8212; and with the admonishment &#8216;Stop Flashing! Ask Nicely&#8217;). Vodacom DR Congo&#8217;s &#8216;Rappelez moi SVP&#8217; service costs $0.01 a message.</p>
<p>MORE THAN MONEY</p>
<p>But beeping is not only about money. Donner&#8217;s &#8216;Rules of Beeping&#8217; suggests a social protocol for the practice.</p>
<p>&#8220;The richer guy pays,&#8221; he writes. It is acceptable to beep someone if you are short of cash and they are flush with credit. Never beep someone poorer than you.</p>
<p>Never beep someone you are tapping for a favor. You don&#8217;t want to risk annoying the person you are trying to win over. Never flash your girlfriend, unless you want to look cheap.</p>
<p>&#8220;Most beeps are requests to the mobile owner to call back immediately, but can also send a pre-negotiated instrumental message such as pick me up now,&#8217; or send a relational sign, such as I&#8217;m thinking of you,&#8217;&#8221; the paper says.</p>
<p>It can go even further than that.</p>
<p>Cameroonian researchers Victor W.A. Mbarika and Irene Mbarika identified a different kind of beeping-powered relational call in a study for the technology association the Institute of Electrical and Electronics Engineers (IEEE).</p>
<p>&#8220;Lovers often communicate with text messages or beeping&#8217;,&#8221; said the study. &#8220;One party dials another&#8217;s number and then hangs up. One ring could mean, I am here,&#8217; two rings, Call me now.&#8217;&#8221;</p>
<p>And the name they gave this new entry in the beeping lexicon? Borrowing a street slang term for an appeal for sex, they christened it &#8220;the booty call.&#8221;</p></blockquote>
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