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LATEST UPDATE - MAY 2014
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NAME/PRODUCTCOMPANYSECTORREGIONCOUNTRYSTATUSMOBILE NETWORK OPERATOR (If applicable)
PARTNERSDESCRIPTIONWEBSITESources
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Changamka MicrohealthChangamkaHealthAFRKenyaLiveSafaricomChangamkaChangamka Microhealth Limited offers clients a mobile phone-based savings account to save money for outpatient or maternal health services. Payments for health services are made electronically via M-Pesa using pre-determined price-contracted packages. Customers can add cash value to their savings accounts in small amounts over time. Customers may also transfer funds to family and friends.

In 2013, Changamka forged a partnership with Britam, Safaricom, and PSI to launch Linda Jamii as an affordable health care insurance option which is outlined under "Linda Jamii".
http://changamka.co.ke/

http://www.thinkm-pesa.com/2011/09/changamka-pre-paid-health-scheme-with-m.html

http://healthmarketinnovations.org/program/changamka-microhealth-limited
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Linda JamiiSafaricomHealthAFRKenyaLive SafaricomChangamka, Population Services International, British American InsuranceBorn out of the success of Changamka (see description of Changamka above), Linda Jamii was created in 2013 as comprehensive health insurance coverage for inpatient services, outpatient services, and hospitalization income replacement. Clients can register for Linda Jamii through their mobile phones and make incremental payments towards the premium (K Sh 12,000) required to access services. Linda Jamii is not affiliated with Jamii Smart.http://lindajamii.co.ke/Haas et al. Mobile Money for Health
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Pona na Tigo BimaTigoHealthAFRTanzaniaLive TigoMicroEnsure (formerly), Bima, Golden Crescent "Pona na Tigo Bima"("Get Well with Tigo Insurance"),is a health insurance product that provides both life insurance and cash for inpatient hospital care at networked and public hospitals in Tanzania. Payments are withdrawn from customer's airtime balance or through Tigo Cash via three monthly installments. Customers can choose from six tiers of life and hospitilization coverage that range in price from US $0.45 to US $6.00 a month. If a client is admitted to the hospital or dies, the client or successor will send an SMS with the word "Insurance", and receive a call from an agent to assist with the claim. The client will be paid via Tigo Cash or check within 72 hours of the approved claim.http://www.tigo.co.tz/value-added-services/tigo-bima

http://www.tigo.co.tz/node/247
Advancing the mHealth Dialogue

Haas. Mobile Money for Health
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Airtel InsuranceMicroEnsureHealthAFRGhanaLiveAirtelEnterprise LifeAirtel Insurance, nicknamed "Three-for-Free", is an embedded insurance model, in that it provides free life, accident, and health insurance based on how much you spend on airtime. Once a customer purchases a minimum amount of airtime in a month (USD 1.7) they may opt into the free insurance program. The more airtime he/she purchases, the higher the insurance benefit (USD 187-1,830). The Three for Free program was launched in Ghana in January 2014 and has subscribed 250,000 to the insurance program. Bharti Airtel expects to make a combination of life, accident, health and agriculture insurance available in all 17 African countries it operates in. Additionally, this MicroEnsure model for life insurance is currently live in Bangladesh, Pakistan and the Philippines with Telenor. These countries don’t currently offer MicroEnsure’s health insurance, but they expect that it may be offered in the future.http://www.microensure.com/

http://www.microensure.com/products-health.asp

Interview with Will De Klerk, MicroEnsure VP for Health

http://www.microcapital.org/microcapital-brief-airtel-ghana-microensure-enterprise-life-roll-out-free-mobile-accident-insurance-in-ghana/

http://www.microcapital.org/microcapital-brief-bharti-airtel-microensure-launch-mobile-microinsurance-service-in-africa/
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Airtel InsuranceMicroEnsureHealthSARBangladeshLiveTelenorAirtel Insurance, nicknamed "Three-for-Free", is an embedded insurance model, in that it provides free life, accident, and health insurance based on how much you spend on airtime. Once a customer purchases a minimum amount of airtime in a month (USD 1.7) they may opt into the free insurance program. The more airtime he/she purchases, the higher the insurance benefit (USD 187-1,830). The Three for Free program was launched in Ghana in January 2014 and has subscribed 250,000 to the insurance program. Bharti Airtel expects to make a combination of life, accident, health and agriculture insurance available in all 17 African countries it operates in. Additionally, this MicroEnsure model for life insurance is currently live in Bangladesh, Pakistan and the Philippines with Telenor. These countries don’t currently offer MicroEnsure’s health insurance, but they expect that it may be offered in the future.http://www.microensure.com/

http://www.microensure.com/products-health.asp
Interview with Will De Klerk, MicroEnsure VP for Health

http://www.microcapital.org/microcapital-brief-airtel-ghana-microensure-enterprise-life-roll-out-free-mobile-accident-insurance-in-ghana/

http://www.microcapital.org/microcapital-brief-bharti-airtel-microensure-launch-mobile-microinsurance-service-in-africa/
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Airtel InsuranceMicroEnsureHealthSAR PakistanLiveTelenorAirtel Insurance, nicknamed "Three-for-Free", is an embedded insurance model, in that it provides free life, accident, and health insurance based on how much you spend on airtime. Once a customer purchases a minimum amount of airtime in a month (USD 1.7) they may opt into the free insurance program. The more airtime he/she purchases, the higher the insurance benefit (USD 187-1,830). The Three for Free program was launched in Ghana in January 2014 and has subscribed 250,000 to the insurance program. Bharti Airtel expects to make a combination of life, accident, health and agriculture insurance available in all 17 African countries it operates in. Additionally, this MicroEnsure model for life insurance is currently live in Bangladesh, Pakistan and the Philippines with Telenor. These countries don’t currently offer MicroEnsure’s health insurance, but they expect that it may be offered in the future.http://www.microensure.com/

http://www.microensure.com/products-health.asp
Interview with Will De Klerk, MicroEnsure VP for Health

http://www.microcapital.org/microcapital-brief-airtel-ghana-microensure-enterprise-life-roll-out-free-mobile-accident-insurance-in-ghana/

http://www.microcapital.org/microcapital-brief-bharti-airtel-microensure-launch-mobile-microinsurance-service-in-africa/
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Airtel InsuranceMicroEnsureHealthEAP PhilippinesLiveTelenorAirtel Insurance, nicknamed "Three-for-Free", is an embedded insurance model, in that it provides free life, accident, and health insurance based on how much you spend on airtime. Once a customer purchases a minimum amount of airtime in a month (USD 1.7) they may opt into the free insurance program. The more airtime he/she purchases, the higher the insurance benefit (USD 187-1,830). The Three for Free program was launched in Ghana in January 2014 and has subscribed 250,000 to the insurance program. Bharti Airtel expects to make a combination of life, accident, health and agriculture insurance available in all 17 African countries it operates in. Additionally, this MicroEnsure model for life insurance is currently live in Bangladesh, Pakistan and the Philippines with Telenor. These countries don’t currently offer MicroEnsure’s health insurance, but they expect that it may be offered in the future.http://www.microensure.com/

http://www.microensure.com/products-health.asp
Interview with Will De Klerk, MicroEnsure VP for Health

http://www.microcapital.org/microcapital-brief-airtel-ghana-microensure-enterprise-life-roll-out-free-mobile-accident-insurance-in-ghana/

http://www.microcapital.org/microcapital-brief-bharti-airtel-microensure-launch-mobile-microinsurance-service-in-africa/
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Safer DeliveriesD-Tree InternationalHealthAFRTanzaniaLiveZantelTraditional birth attendants (TBAs) in Tanzania are usually paid to assist deliveries at home, which creates a financial disincentive for TBAs to refer patients to health facilities. To address this, D-Tree International established a mobile money system in Zanzibar, Tanzania, to incentivize traditional birth attendants (TBAs) to provide timely and appropriate referrals for obstetric emergencies. TBAs are provided mobile money by D-Tree to pay to drivers at pre-negotiated rates to transfer high-risk patients to health facilities. Additionally, TBAs receive US$6 in mobile money for each delivery she refers to and that is completed at a health facility. As of October 2013, more than 2,500 financial transactions had been sent to TBAs via mobile.The payment system has been expanded to include overall management of payments to TBAs, as well as community health workers (CHWs).www.d-tree.org

http://www.d-tree.org/saving-lives/womens-lives/safer-deliveries/
http://healthmarketinnovations.org/program/d-tree-international

Haas. Mobile Money for Health

http://www.globalgiving.org/projects/safedelivery/
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Health Insurance MutuellesUnion Technique de la Mutualite Malienne (UTM)HealthAFRMaliLiveOrangeUnion Technique de la Mutualite Malienne (UTM)In 2013, Union Technique de la Mutualité Malienne (UTM), an association of Mutuelles, and Orange designed a mobile money system to collect premium contributions from Mutuelles health insurance members. It has since scaled nationally and become the primary method for Mutuelle members to pay premium contributions. The system allows members to pay their premium in small incremements. It also distributes educational information about mobile money through SMS.

As of March 2014, the UTM mobile money payment method had been adopted by more than 102 of its members (Heymann. healthmarketinnovations.org)
http://jointlearningnetwork.org/content/mutuelleshttp://healthmarketinnovations.org/blog/exploring-early-adopters-mobile-money-health
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Marie Stopes Madagascar (MSM)Marie Stopes Madagascar (MSM)HealthAFRMadagascarLiveMultiple MNOsIn 2010, Marie Stopes Madagascar (MSM) launched a voucher program to subsidize care for family planning services for women in remote and hard to reach areas. MSM reproductive health vouchers can be purchased by clients for around 10 USD. Each voucher has a unique code and can be redeemed at one of 118 different health facilities in 12 regions of the country in exchange for free reproductive and contraceptive health care services. Providers submit the voucher codes and are reimbursed for their services via mobile money.http://www.mariestopes.mg/

http://www.mariestopes.org
http://healthmarketinnovations.org/blog/exploring-early-adopters-mobile-money-health

Haas. Mobile Money for Health. Abt.
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Pathfinder TanzaniaPathfinderHealthAFRTanzanialiveVodafonePathfinder exclusively uses mobile money via M-Pesa to pay a monthly stipend of 25,000 Sh to its community health workers (CHWs) across Tanzania. Its 3500 CHWs provide services in reproductive health, HIV testing and counseling, TB detection, and gender violence counseling. Pathfinder is the second largest corporate user of M-PESA in Tanzania. Pathfinder Tanzania also leads a number of mHealth initiatves aimed at supporting CHWs to provide high quality HIV and FP services at the community level, a SMS TB Self screening application and will soon launch a mobile enabled Maternal Health emergency referral system that will use mPesa to make maternal emergency transport payments to enable women to reach the facility with reimbursable transport. http://www.pathfinder.org/our-work/where-we-work/tanzania/ Interview by Camilo Tellez with Mustafa Kudrati, Pathfinder Tanzania Country Director (5/8/2013)
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Blue StarPSPIHealthEAPPhilippineslivePSPIPSPI uses mobile money within its BlueStar social franchise program. Private midwives who provide services under the BlueStar brand pay for stock orders (such as contraceptive supplies) they have received through PSPI. They also pay weekly and annual membership dues through PSPI.http://www.mariestopes.org/what-we-do/social-franchising/12-months-12-days-day-5Advancing the mHealth Dialogue
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BayadLoadSmartHealthEAPPhilippinesLiveMultiple MNOsSmartLaunched in July 2013, BayadLoad is a G2P e-payment program that allows users to make contributions to the national health insurance program (PhilHealth). The program is also being utilized by the housing agency. Bayaload was desigend to serve two target markets: 1) informal domestic workers and 2) formal sector employees who must subscribe for and pay for government social benefits, such as health insurance, under the new Kasambahay Law. BayadLoad is described in detail on the CGAP blog and can be accessed here: http://www.cgap.org/blog/innovation-person-government-payments-philippines
MNOs include: Smart, Talk-'N Text, and SunCellular.
http://www.cgap.org/blog/innovation-person-government-payments-philippines

Haas. Mobile Money for Health
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Freedom From FistulaFreedom from Fistula Foundation (FFF)HealthAFRKenyaLiveSafaricomFreedom from Fistula Foundation (FFF)The Freedom from Fistula Foundation was established in 2008 to provide free fistula treatment. This includes referral and treatment in Nairobi, as well as at fistula camps. Once a patient is screened via phone and determined to need financial support for transport to facilities in Nairobi, FFF will send funds for transport through M-Pesa. Between July 2009 and November 2010, FFF sent US $2,365 through M-Pesa to support transportation for 230 women (fistulacare.org).http://www.fistulacare.org/pages/pdf/technical-briefs/mobile_phone_brief_updated4.5.2011.pdf
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transportMYpatientComprehensive Community Based Rehabilitation in Tanzania (CCBRT)HealthAFRTanzaniaLiveVodafoneComprehensive Community Based Rehabilitation in Tanzania (CCBRT)CCBRT operates in Tanzania as a provider of fistula repair surgey. With funding from United Nations Population Fund in 2009, CCBRT began to pay transportation costs for fistula patients through M-Pesa. Unlike the Freedom from Fistula Foundation (referenced above), CCBRT recevies patient referrals through health workers throughout Tanzania. The referring health worker, called an "Ambassador", receives the payment for transportation through M-Pesa (approximately US $33), cashs it, and buys a bus ticket for the fistula patient. Once the patient arrives, the referring health workers receives an incentive of US $3.50 through M-Pesa.http://www.vodafone.com/content/index/about/foundation/mobiles_for_good/ccbrt.htmlhttp://www.fistulacare.org/pages/pdf/technical-briefs/mobile_phone_brief_updated4.5.2011.pdf

http://tdo.sagepub.com/content/42/2/77.long
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MamakibaJacaranda HealthHealthAFRKenyaLiveSafaricom Jacaranda HealthMamakiba is a SMS savings calculator and prepayment tracking tool to save and prepay for maternal health needs such as antenatal care (ANC) and clinical delivery. The target demographic is peri-urban expectant mothers that wish to receive care at non-government run hospitals or clinics due to the long waits, poor service, and unreliable quality at many government facilities. The platform is associated with Jacaranda Health clinics, and is automatically offered to patients when they are registered in Jacaranda's electronic health records. Mamkiba was awarded the third place prize at the 2010 Apps4Africa.http://jacarandahealth.org/innovation/#new-technologyhttp://healthmarketinnovations.org/program/mamakiba

https://bitbucket.org/gmimano/mamakiba/wiki/Home
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Heartfile Health FinancingHeartfileHealthSARPakistanLiveHeartfileHeartfile Health Financing (HHF) is a fund-based system that allows physicians and hospitals to seek financial assistance for patients needing catastrophic healthcare services.Through its web-based platform, HHF categorizes patients by urgency level and financial need.It utilizes backend logarithms and databanks to validate eligibility. Additionally, HHF can rapidly and efficiently pool and distribute donations, as well as manage payments for multi-party service delivery through its website. It also utlizies mobile money to fund patient transport and food.http://www.heartfilefinancing.org/

http://www.heartfile.org/
African Strategies for Health Project. USAID mHealth Compendium. Vol 2. May 2012
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National Health Insurance FundNational Health Insurance FundHealthAFRKenyaLiveSafaricomNational Hospital Insurance FundThe National Hospital Insurance Fund of Kenya manages health care payments throughout the country. NHIF membership is open to all Kenyan adults and dependents who have a monthly income of more than Ksh 100. Formal sector employees' contributions are paid to the Fund by their employers through traditional banking or through "e-banking" (www.nhif.org.ke/healthinsurance). For voluntary members (informal sector, self-employed, retiree), premium payments of Kshs. 160 per month can be made via traditional banking or through M-Pesa.http://www.nhif.or.ke/healthinsurance/Haas. Mobile Money for Health
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Penda HealthPenda HealthHealthAFRKenyaLiveSafaricomPenda HealthPenda Health runs full service medical clinics. It allows for out-of-pocket payments through M-Pesa. It also offers Penda Family Cover which is an optional membership scheme that covers all Penda Health services for a year at a cost of US $35.http://pendahealth.wordpress.com/http://healthmarketinnovations.org/program/penda-health-0
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Zambia Integrated Systems Strengthening ProgramZambia Integrated Systems Strengthening ProgramHealthAFRZambiaLiveAirtelMobile Payment Solution Ltd. and Abt Associates, Akros Research, the American College of Nurse Midwives, Banyan Global, Broad Reach Institute for Training and Education, Johns Hopkins University Center for Communication Programs, Liverpool School of Tropical Medicine, and the Planned Parenthood Association of ZambiaAs part of a larger initiative to coordinate spray operators for malaria control, ZIISP is paying salaries, allowances, per diem payments, and other payments to spray operators using mobile money.http://abtassociates.com/projects/2010/zissp.aspxHaas. Mobile Money for Health
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Pathfinder KenyaPathfinderHealthAFRKenyaLiveSafaricomCommCare, Visa, NetHopePathfinder Kenya has been using mobile money for over 80%  of operational payments and support for community health workers since 2011. In 2013, Pathfinder launched a mHealth program that equips over 250 CHWs with a decision support tool housed on the CommCare Platform to provider services for maternal health and orphans and vulnerable children. With funding from VISA and NetHope, Pathfinder introduced a Pay for Performance scheme that uses data collected through the mobile application to determine if CHWs meet set performance targets. Performance incentives are delivered via mPesa to CHWs. This Pay for Performance (P4P) program aims to improve the delivery of health services at the community level by integrating performance feedback and payments to improve performance.
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Services de Sante pour Qualitie pour Haiti (SSQH)PathfinderHealthLACHaitiLiveDigicelPathfinder Haiti, under the Services de Sante pour Qualitie pour Haiti (SSQH) project aims to equip 2,500 CHWs with a mobile decision support job aid to help them track and provide services to communities. Pathfinder is also launching the use of Tcho Tcho mobile to effect payments and stipends to CHWs supported under this program. The launch of the use of mobile money is expected in July 2014 and the launch of mobile applications to support the CHW workforce are underway with nearly 1,700 clients enrolled in the mobile application. 
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Troca AkiMovercadoHealthAFRMozambiqueLiveNonePSI MozambiquePrompted by health education events or healthcare appointments, Movercado sends SMS vouchers to participants that may be redeemed at select local markets for healthcare and wellness products such as mosquito-net. Local markets are subsequently reimbursement for the product by Movercado through mobile money. The system allows for ongoing messaging including education prompts, reminders, and questionnaires.http://movercado.wordpress.com/http://knowming.com/docs/movercado/
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M-Kopa 3-light kitsM-KopaEnergyAFRKenyaLiveSafaricom d.Light, eseyeM-Kopa's 3-light solar kits are GSM/GPRS-enabled. The product uses a rent-to-own model, which involves an initial deposit followed by daily payments for up to a year. The solar skits are sold through the Safaricom dealer network. Customers pay via M-Pesa, which prompts back-end software to send a signal to unlock the device directly via product-embedded GSM chip. As of October 2013, M-Kopa has reached 35,000 households. Similar technologies are being piloted through M-Kopa.http://www.m-kopa.com/http://allafrica.com/stories/201304160305.html

MEC Vendor Directory 2013
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M-Kopa 3-light kitsM-KopaEnergyAFRUgandaLived.Light, eseyeM-Kopa's 3-light solar kits are GSM/GPRS-enabled. The product uses a rent-to-own model, which involves an initial deposit followed by daily payments for up to a year. The solar skits are sold through the Safaricom dealer network. Customers pay via M-Pesa, which prompts back-end software to send a signal to unlock the device directly via product-embedded GSM chip. As of October 2013, M-Kopa has reached 35,000 households. Similar technologies are being piloted through M-Kopa.http://www.m-kopa.com/http://allafrica.com/stories/201304160305.html

MEC Vendor Directory 2013
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IndigoAzuri TechnologiesEnergyAFRmany countries in east, west, and southern AfricaLiveNoneIndigo is a 3-4 light LED system. Customers may purchase a scratchcard, which provides a code to unlock the pico kit. Payment is based on time. Upgrades can provide sufficient energy to power radio, TV, and sewing machines.http://www.azuri-technologies.com/http://www.azuri-technologies.com/?page_id=20
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Simpa Solar Home SystemsSimpa NetworksEnergySARIndiaLiveNoneSelco, ThoughtWorks, Synapse, exygy, Kilpatrick TownsendSimpa Network's large home solar units (20Wp, 40Wp, 75Wp) are equipped with a keypad and 12-digit code. Pre-payment for energy may be made via mobile airtime vendors, but not currently through mobile money.www.simpanetworks.com
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Mobisol Solar Home SystemsMobisolEnergyAFRTanzaniaLiveVodacomMobisol provides solar home systems to low income customers. The systems are networked via GSM/GPRS module and panel-mounted technology, which allows for tracking of technical data and allows for remote metering and maintenance. Mobisol provides the system to their customers on a 36-month payment scheme using mobile money transfer services. GSMA reports that after a successful pilot involving 300 paying customers in East Africa, Mobisol launched in Tanzania, Kenya, and Ghana. As of September 2013, Mobisol has installed 1,700 solar home systems.http://www.plugintheworld.com/mobisol/home.htmlUkaid and GSMA. MECS Vendor Directoy 2013.
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Mobisol Solar Home SystemsMobisolEnergyAFRKenyaLiveAirtelMobisol provides solar home systems to low income customers. The systems are networked via GSM/GPRS module and panel-mounted technology, which allows for tracking of technical data and allows for remote metering and maintenance. Mobisol provides the system to their customers on a 36-month payment scheme using mobile money transfer services. GSMA reports that after a successful pilot involving 300 paying customers in East Africa, Mobisol launched in Tanzania, Kenya, and Ghana. As of September 2013, Mobisol has installed 1,700 solar home systems.http://www.plugintheworld.com/mobisol/home.htmlUkaid and GSMA. MECS Vendor Directoy 2013.
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Mobisol Solar Home SystemsMobisolEnergyAFR RwandaLiveMTNMobisol provides solar home systems to low income customers. The systems are networked via GSM/GPRS module and panel-mounted technology, which allows for tracking of technical data and allows for remote metering and maintenance. Mobisol provides the system to their customers on a 36-month payment scheme using mobile money transfer services. GSMA reports that after a successful pilot involving 300 paying customers in East Africa, Mobisol launched in Tanzania, Kenya, and Ghana. As of September 2013, Mobisol has installed 1,700 solar home systems.http://www.plugintheworld.com/mobisol/home.htmlUkaid and GSMA. MECS Vendor Directoy 2013.
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Mobisol Solar Home SystemsMobisolEnergyAFRGhanaLiveMobisol provides solar home systems to low income customers. The systems are networked via GSM/GPRS module and panel-mounted technology, which allows for tracking of technical data and allows for remote metering and maintenance. Mobisol provides the system to their customers on a 36-month payment scheme using mobile money transfer services. GSMA reports that after a successful pilot involving 300 paying customers in East Africa, Mobisol launched in Tanzania, Kenya, and Ghana. As of September 2013, Mobisol has installed 1,700 solar home systems.http://www.plugintheworld.com/mobisol/home.htmlUkaid and GSMA. MECS Vendor Directoy 2013.
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Off-Grid Electric solar kitsOff-Grid:ElectricEnergyAFRTanzaniaLiveVodacomFoseraOff-grid Electric, with Fosera, developed pay-as-you-go (PAYG)-enabled solar kits. The solar kits include a keypad with a 10-12 digit code. End-customers pay an initial deposit, Off-Grid Electric installs the product, which the customer subsequently pays for use of through mobile money. This model is akin to a utility bill. Customers do not have the ability to own the system.http://offgrid-electric.com/
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Sun Transfer PAYG charge controllerSun Transfer/ Solar Energy FoundationEnergyAFREthiopiaLiveNoneSun Transfer developed and piloted mulitple pay-as-you-go (PAYG) charge controllers for their large solar home systems. They started with a RFID-card system with a point of service device, but have transitioned to a "CODE" system in both Ethiopia and Kenya. This new platform allows the customer to input SMS-codes entered via a handheld infrared device.http://suntransfer.com/End-user-Microfinance,72.html
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Sun Transfer PAYG charge controllerSun Transfer/ Solar Energy FoundationEnergyAFRKenyaLiveNoneSun Transfer developed and piloted mulitple pay-as-you-go (PAYG) charge controllers for their large solar home systems. They started with a RFID-card system with a point of service device, but have transitioned to a "CODE" system in both Ethiopia and Kenya. This new platform allows the customer to input SMS-codes entered via a handheld infrared device.http://suntransfer.com/End-user-Microfinance,72.html
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Sun Transfer PAYG charge controllerSun Transfer/ Solar Energy FoundationEnergyEAPPhilippinesLiveNoneSun Transfer developed and piloted mulitple pay-as-you-go (PAYG) charge controllers for their large solar home systems. They started with a RFID-card system with a point of service device, but have transitioned to a "CODE" system in both Ethiopia and Kenya. This new platform allows the customer to input SMS-codes entered via a handheld infrared device.http://suntransfer.com/End-user-Microfinance,72.html
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Kamworks PAYG KitsKamworksEnergyEAPCambodiaLiveWINGCamGSMKamworks Limited has developed a GSM-enabled solar home kit for the Cambodia market, to be introduced in partnership with WING, a mobile money operator, and CamGSM (through its CellCard brand). http://www.kamworks.com/http://www.gsma.com/mobilefordevelopment/mecs-awards-second-round-of-innovation-fund-grants?utm_campaign=M4D_News_17FEB2014_MECS_Grantees_2&utm_medium=email&utm_source=Eloqua
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ReadyPayFenix InternationalEnergyAFRUgandaLiveMTNReadyPay is Fenix's patent-pending financial platform that allows customers to pay-to-own solar energy systems over time. Engineered to integrate with any mobile money system, ReadyPay enables customers to make payments from a mobile phone and receive a secure code to unlock access to solar power until another payment is due.http://www.fenixintl.com/products/
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ReadyPayFenix InternationalEnergyAFRTanzaniaLiveVodacomReadyPay is Fenix's patent-pending financial platform that allows customers to pay-to-own solar energy systems over time. Engineered to integrate with any mobile money system, ReadyPay enables customers to make payments from a mobile phone and receive a secure code to unlock access to solar power until another payment is due.http://www.fenixintl.com/products/
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BB17 Solar KitBBOXXEnergyAFRKenyaLiveNoneThe BB17 Solar Kit uses a GSM remote monitoring system to monitor performance and usage. The system also has the ability to switch the solar kit off, which helps reduce the risk of default. Mobile enabled payment solutions and cloud-based customer management interact with the solar systems in the field to offer energy as a service. http://www.bboxx.co.uk/smart-solar/
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Econet LED home power stationEconet SolarEnergyAFRSouth AfricaLiveEconetEconet's four-light (LED) 40-W home power stations include an embedded GSM chip and allow for mobile money payments.http://www.econetsolar.com/
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Econet LED home power stationEconet SolarEnergyAFRZimbabweLiveEconetEconet's four-light (LED) 40-W home power stations include an embedded GSM chip and allow for mobile money payments.http://www.econetsolar.com/
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Quetsol PAYG pico solar kitsQuetsolEnergyLACGuatemalaLiveQuetsol's pay-as-you-go (PAYG) pico solar kits require a secure code to unlock for prepaid time. Quetsol sales/service agents collect payment and generate an unlock code with hand-held device. Questol has sold over 3,000 solar products on a cash basis, and over 200 PAYG units. Quetsol seeks to shift to mainly PAYG units.http://www.quetsol.com/http://www.good.is/posts/how-pay-as-you-go-solar-is-bringing-light-to-rural-guatemala
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BuffaloGridBuffaloGridEnergyAFRUgandaLiveMultiple MNOsBuffalo Grid is a GSM-enabled solar kit with 10+ USB ports for charging phones. Customers pay for use of the device to charge their phones by sending a premium text message as payment. This prompts a particular USB port to unlock. The BuffaloGrid is provided free to entrepreneurs in the local community, who own and manage the device and share in the profits generated. Gizmag reports that the company also partners with local network operators to offer power as an added benefit to their mobile network.http://buffalogrid.org/http://www.newscientist.com/article/mg21729075.500

http://www.gizmag.com/buffalogrid-solar-powered-phone-charger/31283/
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Angaza solar laternsAngaza DesignEnergyAFRTanzaniaLiveNoneAngaza's solar lanterns use Frequency Key Shifting (FKS), which sends a tone to a customer who holds his/her mobile phone up to the unit. The mobile phone receives data, such as energy consumption, via the tone from system and sends it back to the Angaza server. Angaza's own branded products are sold on a rent-to-own basis. The tech platform is sold on a B2B basis to other companies seeking energy and time-based pricing, and rent-to-own as a service model.http://www.angazadesign.com/
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Angaza solar laternsAngaza DesignEnergyAFRKenyaLiveNoneAngaza's solar lanterns use Frequency Key Shifting (FKS), which sends a tone to a customer who holds his/her mobile phone up to the unit. The mobile phone receives data, such as energy consumption, via the tone from system and sends it back to the Angaza server. Angaza's own branded products are sold on a rent-to-own basis. The tech platform is sold on a B2B basis to other companies seeking energy and time-based pricing, and rent-to-own as a service model.http://www.angazadesign.com/
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diviLite solar lanternDivi PowerEnergyAFRNamibiaLiveNoneDivi lights work on pre-paid enablement periods (EPs). Straight out of the box, a Divi light is enabled for 1 week. After that, EPs must be transferred onto the lamp through its built-in short range wireless connection to re-enable operation. EPs can be purchased from Divi Dealers, from Divi Agents and most importantly, from other Divi lamp owners. Divi lights talk to each other and any lamp can share its EPs with another.http://divipower.com/
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Takamoto PAYG Biogas systemsSchutter Energy/ Takamoto BiogasEnergyAFRKenyaLiveTakamoto BiogasSchutter Energy is a social enterprise that installs Takamoto Pay-as-you-go (PAYG) Biogas systems in rural communities. Building on two years of experience installing traditional masonry biogas systems in Kenya, Schutter Energy Ltd uses smart metering and mobile money.http://takamotobiogas.com/biogas/payg-biogas/http://www.nation.co.ke/life+style/money/Project+set+to+see+farmers+prepay+for+biogas+via+phones/-/435440/1948712/-/qfgvv2/-/index.html
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Lumeter PAYG metering and payment platform for energy products and microgridsLumeter NetworksEnergySARIndiaLiveLumeter Networks has developed two pre-paid electricity meters and an SMS enabled, cloud accounting service. It is sold to energy companies so they can build their own micro-grids and sell solar home systems on a PAYG basis. The Lumeter microgrid meters can also detect and deter theft.http://www.lumeter.net/
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PEG solar kits and microgridsPersistent Energy GhanaEnergyAFRGhanaLiveTigo, Airtel, MTNPersistent Energy Partners, Off-Grid:Electric, DevergyPersistent Energy Ghana (PEG) offers prepaid energy services via solar PV microgrids and pico solar kits. PEG currently licenses PAYG solar kits from Off-Grid:Electric and solar microgrids from Devergy, but it is developing its own metering and mobile billing platform for both. http://www.persistentenergyghana.com/http://www.gsma.com/mobilefordevelopment/mecs-awards-second-round-of-innovation-fund-grants?utm_campaign=M4D_News_17FEB2014_MECS_Grantees_2&utm_medium=email&utm_source=Eloqua
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Shared Solar solar microgridsShared SolarEnergyAFRMaliLiveNoneShared Solar's Smart-meters are complimented by a web-based user interface that provides remote monitoring of each connection and full customization of tariffs and load limits in real-time. The end-customer pays cash to local agents who "unlock" their meter via a tablet with SharedSolar's proprietary Android app and a local wi-fi connection. Shared Solar manufactures meters in India and only deploys with its own microgrids in Africa.http://sharedsolar.org/
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Shared Solar solar microgridsShared SolarEnergyAFRUgandaLiveNoneShared Solar's Smart-meters are complimented by a web-based user interface that provides remote monitoring of each connection and full customization of tariffs and load limits in real-time. The end-customer pays cash to local agents who "unlock" their meter via a tablet with SharedSolar's proprietary Android app and a local wi-fi connection. Shared Solar manufactures meters in India and only deploys with its own microgrids in Africa.http://sharedsolar.org/
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PowerHive solar microgridsPowerHiveEnergyAFRKenyaLiveSafaricomPowerHive's solar microgrids use low-cost metering hardware that provides theft detection and local wireless communication. PowerHive uses a cloud-based software platform that tracks and manages power generating assets, provides real-time data/ analytics, and supports pre-paid billing via existing mobile money services.http://powerhive.com/
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Smart metering for AC solar microgridsInensusEnergyAFRSenegalLiveNoneInensus provides each end-customer with their own smart card. The customer pays cash to a vendor, who then recharges the smart card via a small handheld device. The customer inserts the smart card in an Inensus meter box (with small screen and slot) which is installed at eye-level on a pole. The meter reads the card and instantaneously applies the recharge credit to the appropriate household. The meter has a small crystalline screen that displays the kWh balance for the customer when he/she inserts the card.  PowerHive has also developed a way to communicate balance on the screen for customers who cannot read. Each meter can connect to up to three households. http://www.inensus.de/en/micro_energy0.htm
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Gram Power AC solar microgridsGram PowerEnergySARIndiaLiveGram Power's single phase 220VAC Smart Meter communicates end-customer's outstanding balance and number of hours remaining. To support expedited payments, local entrepreneurs purchase bulk energy credits from Gram Power. Credits are transferred to the entrepreneur's "wireless energy wallet" which he/she transfers to end-customers locally when they pay cash. http://www.grampower.com/solutions/
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Devergy solar microgridsDevergyEnergyAFRTanzaniaLivePersistent Energy PartnersDevergy utilizes smart metering for its solar microgrids. End-customers pay cash to a local agent in exchange for electricity smart cards. A customer sends the code from a scratch card via SMS to Devergy's SMS platform. Back-end software confirms the end-customer's balance, then sends an automated message back to the microgram thus unlocking the customer's connection for the prepaid amount of energy. Usage data is monitored via GPRS. Devergy is now deploying grids in Ghana in partnership with Persistent Energy Partners.http://www.devergy.com/http://www.gsma.com/mobilefordevelopment/wp-content/uploads/2012/04/cpmvendordirectory022012.pdf
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Devergy solar microgridsDevergyEnergyAFRGhanaLivePersistent Energy PartnersDevergy utilizes smart metering for its solar microgrids. End-customers pay cash to a local agent in exchange for electricity smart cards. A customer sends the code from a scratch card via SMS to Devergy's SMS platform. Back-end software confirms the end-customer's balance, then sends an automated message back to the microgram thus unlocking the customer's connection for the prepaid amount of energy. Usage data is monitored via GPRS. Devergy is now deploying grids in Ghana in partnership with Persistent Energy Partners.http://www.devergy.com/http://www.gsma.com/mobilefordevelopment/wp-content/uploads/2012/04/cpmvendordirectory022012.pdf
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Connected Farmer AllianceConnected Farmer AllianceAgricultureAFRKenyaLiveSafaricomTechnoserve
USAID
In order to increase the productivity, income, and resilience of smallholder farmers in Kenya, Mozambique, and Tanzania, the U.S. Agency for International Development (USAID), Vodafone, and TechnoServe launched a new partnership called The Connected Farmer Alliance. It is expected that 500,000 smallholders will leverage the service to improve supply chain efficiency and increase farmers’ ability to access secure, timely payments and other financial services by using existing MFS
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Connected Farmer AllianceConnected Farmer AllianceAgricultureAFRTanzaniaLiveVodafoneTechnoserve
USAID
In order to increase the productivity, incomes and resilience of smallholder farmers in Kenya, Mozambique, and Tanzania, the U.S. Agency for International Development (USAID), Vodafone, and TechnoServe launched a new partnership called The Connected Farmer Alliance. Plans 500,000 smallholders and will leverage mobile to improve supply chain efficiency and increase farmers’ ability to access secure, timely payments and other financial services by using existing MFS
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Connected Farmer AllianceConnected Farmer AllianceAgricultureAFRMozambiqueLiveVodafoneTechnoserve
USAID
In order to increase the productivity, incomes and resilience of smallholder farmers in Kenya, Mozambique, and Tanzania, the U.S. Agency for International Development (USAID), Vodafone, and TechnoServe launched a new partnership called The Connected Farmer Alliance. Plans 500,000 smallholders and will leverage mobile to improve supply chain efficiency and increase farmers’ ability to access secure, timely payments and other financial services by using existing MFS
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One Acre FundOne Acre FundAgricultureAFRKenyaLiveSafaricomGates Foundation, Mastercard FoundationOne Acre provides loans for inputs and training for farmers. They operate in Kenya, Burundi and Rwanda. As of September 2012, One Acre adopted M-Pesa for loan repayments. However, the payments were still being made in cash by the farmers to the field officers, who then would cash-in and send mobile money to the One Acre M-Pesa account. The plan was to allow farmers to pay directly via M-Pesa “in the coming months”, but there is no evidence that this has happened yet.

With funding from the Gates Foundation, One Acre will test over 40 potential technologies over the next three years, with the goal of rolling out at least 4 technologies to at least 200,000 One Acre families.

http://www.oneacrefund.org/blogs/tag/M-PESAhttp://www.oneacrefund.org/blogs/information/post/http-www.oneacrefund.org-blog-p1253/533

http://www.oneacrefund.org/blogs/information/post/one-acre-fund-receives-grant-to-fuel-global-innovations-in-smallholder-farm/726
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Mobile Kisan Credit Card (mKCC)PayMateAgricultureEAPIndiaLivePallavan Grama Bank, NABARD, Indian BankAfter registering with Pallavan Grama Bank, farmers can withdraw or purchase things for their agricultural materials with their Mobile Kisan Credit Card (mKCC). Due to success of KCC, Pallavan Grama Bank is offering value added services like Mobile Funds Transfer, Mobile Recharge and DTH Recharge. mKCC's mobile money system allows farmers to use their loans for purchasing goods for their agricultural needs. Farmers receive instant reports of all transactions and available funds by SMS.

A 2012 study by the Indian Institute of Banking & Finance reported cost savings of Rs. 7314 annually through mKCC.
http://www.pallavangramabank.in/en/m-KCC.htmlhttp://www.telecomlead.com/mobile-vas/paymate-indias-mobile-money-credit-delivery-solution-reaches-over-7000-farmers/

http://blog.vivaconnect.in/tag/kisan-credit-card/

http://www.nextbigwhat.com/paymate-mobile-kisan-card-benefits-7000-farmers-in-tamil-nad-297/
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AgriLifeMobiPayAgricultureAFRUgandaLiveNoneMercyCorpsAgrilife allows farmers to capture information on their input purchases (seeds and fertilizer, for example), as well as their produce quantities and sales. Over a number of seasons this gives insight into their "production potential," which can be used to access finance needed to cover the essentials that arise before harvest season, whether they are labor, seeds, fertilizer, pesticides, education or health services. AgriLife is funded by a program called Agri-Fin Mobile, which is simultaneously being rolled out in Indonesia, Zimbabwe, and Kenya.

Farmers Centre (U) Ltd. (FACE), a farmer-centric agribusiness enterprise based in Lira District in northern Uganda, is an AgriLife early adopter in Uganda. FACE is already uploading information about their 10,000 farmer clients, who travel long distances to purchase inputs and aggregate their produce at FACE warehouses for processing and sale. Mobipay expects to provide services to 10,000 farmers through the partnership with FACE, with a target of 100,000 by the end of 2013.
http://www.agrilife.co.ke/http://www.mercycorps.org/research-resources/agri-fin-mobile
http://www.mercycorps.org/research-resources/unleashing-ugandan-farmers-potential-through-mobile-phones
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AgriLifeMobiPayAgricultureAFRKenyaLiveNoneMobiPay, MercyCorpsAgrilife allows farmers to capture information on their input purchases (seeds and fertilizer, for example), as well as their produce quantities and sales. Over a number of seasons this gives insight into their "production potential," which can be used to access finance needed to cover the essentials that arise before harvest season, whether they are labor, seeds, fertilizer, pesticides, education or health services. AgriLife is funded by a program called Agri-Fin Mobile, which is simultaneously being rolled out in Indonesia, Zimbabwe, and Uganda.http://www.agrilife.co.ke/http://www.mercycorps.org/research-resources/agri-fin-mobile
http://www.mercycorps.org/research-resources/unleashing-ugandan-farmers-potential-through-mobile-phones
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Musoni Agricultural LoansMusoniAgricultureAFRKenyaLiveSafaricomGrameen FoundationMusoni (m-Future) is a cashless MFI that uses M-Pesa for all loan disbursement and repayment. As of mid-2013, Musoni said that they would begin initial piloting of agricultural loans in Naivasha and Thika branches in Q3 2013 (see http://www.musoni.eu/index.php/16-july-2013musoni-quarterly-report-2nd-quarter). According to Claudia McKay, they have just started providing such loans at one branch as of late 2013, with support from Grameen Foundation.
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Hewani App FamilyVirtual CityAgricultureAFRKenyaLiveSafaricom, AirtelVirtual CityA series of apps within the Hewani App family:
Agrimanagr: The system allows management of the weighing, grading and documenting (via receipts) of produce collected from each farmer at the collection point. The system also allows cashless payments to suppliers and tracks and rewards loyal customers and suppliers. The tool works well for multiple industries, such as tea, coffee, milk, cotton, cashew nuts, soft drinks etc. Not only does the smallholder get necessary updates and payments, the entire supply chain can be tracked through mobile device.

Shoppr:
(1) The Vegetable Fruit Market app allows farmers to sell their produce direct to consumers, who can select different grades of crops, can select desired weight, can pay for their vegetables, and can have the produce delivered. This elimination of a middleman means more value to the farmer.
(2) The Fertilizer App allows farmers to purchase fertilizer through SMS or USSD and select a pick up location for their pre-paid fertilizer.

Transpotr: Transpotr is designed to assist farmers in getting the most competitive pricing on transportation of their finished farm produce. The cost of transportation in Africa is attributable to 40% of the final cost of produce, which makes competitive transportation prices critical to farmers' profitability. Famers can browse through available transport for different types of farm produce. There may be a mobile payment component.

Farmerprice: Virtual City is building an SMS-based application for farmers and traders that provides up to minute agricultural price updates for farmers, fishermen, farmer coops and SMEs. They can then act on the prices that they like by selling to willing buyers within the same e-commerce platform. Virtual City has also integrated a loyalty management application, so farmers and traders get loyalty points for regular purchases within the platform.
http://www.virtualcity.co.ke/portfolio/agrimanagr/http://www.virtualcity.co.ke/portfolio/agrimanagr-solution/
https://communities.usaidallnet.gov/ictforag/file/364/download/595
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Ghana Rice Mobile Finance (RiMFin)ASIAgricultureAFRGhanaLiveTigoASI, Visa, GADCO Ghana Rice Mobile Finance(RiMF) allows GADCO and the farmers in the Volta Region to instantly send and receive secure payments. Tigo Cash, which has already dedicated teams in the region to manage mobile money agent quality and liquidity, will play a key role as the mobile network supplier. RiMFin will directly impact 10,000 farmers—over 60 percent of whom are women—and their estimated 45,000 family members. As of Nov 2013, RiMF planned to implement its first live payments in December. GADCO aims to have 3,5000 farmers subscribed to mobile payments by the end of 2014, and over 10,000 by the end of 2015.http://www.asintl.org/our-experience-Ghana-Rice-Mobile-Finance-RiMFin.html
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Tigo Cash Cocoa PaymentsASIAgricultureAFRGhanaLiveTigoTigo Cash and ASI are working with a cocoa buyer in Ghana to make all of their purchases/payments through Tigo Cash in the future, reaching 10,000-12,000 farmers. As of Nov 2013, Kumankoma had paid approximately 300-400 famers through Tigo Cash, with a future goal of 10,000-12,000 farmers. As the agent network expands and liquidity increases, they expect to work with additional buyers.
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ZoonaZoona (formerly Mobile Transactions Zambia Limited)AgricultureAFRZambiaLiveUSAID PROFIT, DunavantZoona aims to provide easy, quick, and safe transactional services for the unbanked in the agricultural sector. It focuses on building reliable, cash-in/out networks and facilitating B2C and B2B payments. Zoona designed and piloted a cashless payment system for small-scale cotton farmers that supply Dunavant Zambia Ltd. Originally, the payments were paid to m-wallets; however, due to illiteracy and financial illiteracy constraints they decided to use an e-voucher platform—which uses pre-paid paper scratch cards. E-vouchers include the farmer's national identity number for securit purposes. Farmers can use the vouchers to purchase items at participating retailers.http://www.zoona.co.za/default.asphttps://communities.usaidallnet.gov/ictforag/node/362

http://branchlessbanking.co/wp-content/uploads/2013/05/Zoona-CaseStudy-final.pdf
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SmartMoneySmartMoneyAgricultureAFRTanzaniaLiveNoneSmartMoney has developed a proprietary mobile wallet targeted at smallholders and others in the agricultural value chains. Commodity buyers use SmartMoney to make payments to farmers’ mobile wallets. Farmers can cash out at a local SmartMoney agent or make purchases at local shops. In order to encourage farmers and local shops to accept e-money, SmartMoney has established agreements with local wholesalers, suppliers, savings and credit cooperatives, and banks. As of early 2014, SmartMoney had over 20,000 subscribers in rural communities in Uganda and Tanzania. The service is free to farmers. SmartMoney collects a 5% fee for each transaction from the agribusiness of which 1% is distributed to cash agents and 4% to SmartMoney.smartmoney.orghttps://communities.usaidallnet.gov/ictforag/node/362

http://ictupdate.cta.int/content/download/32066/256706/file/ICT_76_ENG_DEF_LR_NEW.pdf
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SmartMoneySmartMoneyAgricultureAFRUgandaLiveNoneUSAID, Ministry of Agriculture UgandaSmartMoney has developed a proprietary mobile wallet targeted at smallholders and others in the agricultural value chains. Commodity buyers use SmartMoney to make payments to farmers’ mobile wallets. Farmers can cash out at a local SmartMoney agent or make purchases at local shops. In order to encourage farmers and local shops to accept e-money, SmartMoney has established agreements with local wholesalers, suppliers, savings and credit cooperatives, and banks. As of early 2014, SmartMoney had over 20,000 subscribers in rural communities in Uganda and Tanzania. The service is free to farmers. SmartMoney collects a 5% fee for each transaction from the agribusiness of which 1% is distributed to cash agents and 4% to SmartMoney.smartmoney.orghttps://communities.usaidallnet.gov/ictforag/node/362

http://ictupdate.cta.int/content/download/32066/256706/file/ICT_76_ENG_DEF_LR_NEW.pdf
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Airtel MoneyAirtel MoneyAgricultureAFRMadagascarAirtelFanamby (NGO), Bank of AmericaThrough a partnership between Airtel and Fanamby, smallholder cashew farmers in north Madagascar have opened an Airtel Money account and all transactions are now done electronically. In addition, thanks to the partnership between Airtel and BoA (Bank of Africa), electronic accounts of farmers are connected to a BoA bank account to promote saving. Farmers have the option to store income from the sale of their harvest in an electronic wallet, the option to transfer it to their BoA savings account. Approximately 1,500 farmers participated in the launch. The initiative is expected to be opened to transactions for other crops.
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National Rural Employment Guarantee Act (NREGA)FINO PayTechAgricultureEAPIndiaLiveFINO PayTechBanks and post offices in ChhattisgarhFINO PayTech is using biometric smart card technology in the State of Chhattisgarh to distribute payments to poor rural farmers and unskilled manual laborers. A February 2013 press release from FINO PayTech stated that their agents already were providing NREGA payment services to over 1.1 million people, with a mandate to reach 2.8 million clients within the state of Chhattisgarh.http://www.finopaytech.com/media-lounge/press-releases/news/7
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Growth Enhancement Support Scheme (GESS)Federal Ministry of Agriculture and Rural DevelopmentAgricultureAFRNigeriaLiveCellulantGrowth Enhancement Support Scheme (GESS) is a digital ecosystem for facilitating smallholder access to in-kind fertilizer subsidies. Launched in 2012, the GESS registers smallholder farmers, who then use a mobile phone to redeem fertilizer subsidies at local agro dealers. In 2013, 4.3 million farmers purchased subsidized fertilizer through the system. In 2014, the GESS launched two pilot projects using electronic cards, one of which migrates farmers to a smart card that also provides access to a bank account.http://www.fmard.gov.ng/ and click on “Growth Enhancement Support”

http://dailyindependentnig.com/2013/04/fg-states-save-n30-72b-through-agric-e-wallet-scheme/
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Kilimo SalamaSyngenta Foundation for Sustainable AgricultureAgricultureAFRKenyaLiveSafaricomGlobal Index Insurance Facility (GIIF), UAP InsuranceKilimo Salama insures smallholder farmers against drought and excess rain. Launched in 2008, it is now the largest agricultural insurance program in Africa. A farmer can use Kilimo Salama to insurance a $2 bag of seed for as little as $0.10. Kilimo Salama currently insures over 70,000 farmers. Kilimo Salama's use of automated weather stations and mobile payments has dramatically reduced administrative costs, enabling a premium price that smallholders can afford. Payments are automatically transferred to farmers' M-Pesa mobile wallets in the event of excess rain or drought. According to Syngenta, a 2012 impact assessment concluded that insured farmers invested 20% more and earned 16% more than their uninsured neighbors.

In October, 2012, service expanded to Rwanda; however, use of mobile channels is not confirmed.
www.syngentafoundation.org/index.cfm?pageID=562http://www.syngentafoundation.org/index.cfm?pageID=759
http://kilimosalama.files.wordpress.com/2010/02/kilimo-salama-fact-sheet-final11.pdf

http://www.syngentafoundation.org/__temp/Kilimo_Salama_3_Pager_21_1_14.pdf
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Kilimo SalamaSyngenta Foundation for Sustainable AgricultureAgricultureAFRRwandaLiveGlobal Index Insurance Facility (GIIF)Kilimo Salama insures smallholder farmers against drought and excess rain. Launched in 2008, it is now the largest agricultural insurance program in Africa. A farmer can use Kilimo Salama to insurance a $2 bag of seed for as little as $0.10. Kilimo Salama currently insures over 70,000 farmers. Kilimo Salama's use of automated weather stations and mobile payments has dramatically reduced administrative costs, enabling a premium price that smallholders can afford. Payments are automatically transferred to farmers' M-Pesa mobile wallets in the event of excess rain or drought. According to Syngenta, a 2012 impact assessment concluded that insured farmers invested 20% more and earned 16% more than their uninsured neighbors.

In October, 2012, service expanded to Rwanda; however, use of mobile channels is not confirmed.
www.syngentafoundation.org/index.cfm?pageID=562http://www.syngentafoundation.org/index.cfm?pageID=759
http://kilimosalama.files.wordpress.com/2010/02/kilimo-salama-fact-sheet-final11.pdf

http://www.syngentafoundation.org/__temp/Kilimo_Salama_3_Pager_21_1_14.pdf
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Kilimo BoosterMusoniAgricultureAFRKenyaLiveSafaricomThe Kilimo Booster offered by Musoni is a agricultural loan for smallholder farmers. It utilizes M-Pesa for all loan disbursements and repayments. Loan values range from KES 5,000-350,000 (approx. USD 60-4,000), and loan terms are up to 12 months with up to a 6 month grace period. Monthly interest rates range from 1.5%-1.83%, a 3% upfront fee is charged, and there is a 20% cash collateral requirement, resulting in APRs ranging from 37.5%-43.6%.http://www.musoni.co.ke/borrow/products/kilimo-booster
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EcoFarmerEcoNetAgricultureAFRZimbabweLiveEcoNetLaunched in November 2013, EcoFarmer is EcoNet's mobile phone-enabled weather index insurance. Farmers must register at an EcoNet shop or kiosk or an EcoFarmer agent. Farmers pay $1.50/month for the messages throughout the growing season, must buy the special seed, and must pay a premium of $2.50 or $10 for the season. In case of insufficient or excessive rain, the farmer will receive a payment equal to 10x the premium paid.

EcoFarmer's services can be broadly categorized as: (i) informational services, including farming tips and market prices for more than 30 crops, livestock and poultry, (ii) weather-based index insurance services for maize, and (iii) integration platform connecting buyers, farmers, input providers and other members of the value chain.
https://www.econet.co.zw/ecofarmerhttps://www.newsday.co.zw/2013/10/18/ipec-probes-econet-wireless/
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Index-Based Livestock InsuranceAPA InsuranceAgricultureAFRKenyaLiveAPA Insurance, ILRI, World Vision, LeapfrogAPA Insurance in Kenya has developed an index-based product for livestock in cooperation with the International Livestock Research Institute, World Vision, and Leapfrog. The product uses a mobile platform to enroll customers and communicate policy details. In addition, farmers can make insurance payments and receive payouts via M-PESA. The service uses satellite imagery and proprietary algorithms to estimate the availability of grazing resources. If the index predicts livestock mortality of over 15%, farmers automatically receive a payout. http://www.itwebafrica.com/mobile/309-kenya/229891-livestock-insurance-cover-sells-offering-using-mobile-money
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Tata-AIG Cattle InsuranceTata-AIGAgricultureEAPIndiaLiveILO Microinsurance Centre (TBD)TATA-AIG's Cattle Insurance works off an Android-based mobile app. It is used by field agents for enrollment and claims management. Features of the app include real-time data transfer, faster policy issuance and claims settlement, ability to post photos and verify livestock carcasses via mobile, and improved data management. As of late 2013, the mobile product had been piloted in two districts.
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Rwanda's fertilizer subsidiesRwanda Ministry of Agriculture and Animal ResourcesAgricultureAFRRwandaLiveNonemVisaRwanda’s Ministry of Agriculture and Animal Resources (MINAGRI) is encouraging smallholder farmers to use mVISA, an interoperable mobile banking platform, when paying for subsidized fertilizer. As mVISA is offered by banks, it is expected that this service will be the first step towards farmers’ access to savings accounts and other formal financial services. Following a small pilot in 2013, the mVISA service is being expanded to thousands of farmers in 2014.http://www.minagri.gov.rw/http://www.cio.co.ke/news/main-stories/what-distinguishes-visa's-mobile-money-service
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Juhudi Kilimo Dairy InsuranceJuhudi KilimoAgricultureAFRKenyaLiveSafaricomJuhudi Kilimo, a provider of smallholder agricultural asset financing, now offers a mobile phone-enabled livestock insurance product. Through this service, borrowers can obtain dairy insurance when purchasing a cow. Borrowers pay a premium of 3.5% of the cost of the cow, and commit to following a Best Practice Care Calendar that includes vaccination, tick control, deworming, and mineral supplementation. If the cow dies within one year, a local veterinarian determines the cause of death and covered farmers are eligible for a payout equal to 50-80% of the cow’s insured value. Borrowers repay their loans (including the insurance premium) using mobile money. Insurance payouts may also be received on the mobile wallet if it does not exceed maximum balance limits.http://juhudikilimo.com/http://acumen.org/blog/bridging-the-gap-mobile-technology-at-juhudi-kilimo/
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KytabuKytabuEducationEAPKenyaLiveMultiple MNOsKytabu aims to provide low cost access to textbooks by enabling consumers to purchase electronic materials on an Android tablet through mobile money. The application encrypts textbooks courtesy of publishers, which consumers can choose to rent as an electronic book for a day, week, month, school term or year. Consumers can also rent individual pages of a book, a chapter, or the entire book, which allows access to materials at various payment levels. Services are accessed through the Kytabu application, which allows consumers to browse the database of books and purchase materials through mobile money.www.kytabu.orgChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Bridges International AcademyBridges International AcademyEducationAFRKenyaLiveSafaricom, AirtelEquity BankBridges International Academny (BIA) is large-scale chain of low-cost, high quality schools that incorporate ICT. Administrative operations such as billing, payments, expense management, payroll processing, and admissions are automated through smartphone and tablet applications for the managers and teachers.The applications are connected through a custom backend software. As reported by USAID, BIA utilizes mobile money for almost all payments, including salary payments as well as tuition payments.www.bridgeinternationalacademies.comChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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EnezaEneza EducationEducationAFRKenyaLiveSafaricomSafaricomEneza, formerly mPrep, provides educational content via SMS/USSD and web to 170,000 upper primary school students in Kenya. Content includes quizzes and mini-lessons for the students, as well as data and other information on students' performance for parents and teachers. Although Eneza originally used M-PESA for service payments, it found airtime deduction for service payments to more effective as a means of payment. Eneza has a revenue sharing agreement with Safaricom for this service.http://enezaeducation.com/Chaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Lipa KaroSafaricomEducationAFRKenyaLiveSafaricomLaunched in 2010, Lipa Karo is a pay bill product within the M-Pesa service that allows parents to pay children's school fees. As of a February 2014 USAID report, 200 schools are direct clients with Lipa Karo. Another 12,000 schools are connected via middlemen, called aggregators, that collect fees and transfer them to schools. The product aims to reduce risk of theft of school funds, and long queues at the bank, but has faced lack of trust, and lack of the necessary technology (computers and internet) by the schools to reconcile accounts.http://www.safaricom.co.ke/personal/m-pesa/m-pesa-services-tariffs/lipa-karo-na-m-pesaChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Digicel TongaDigicelEducationEAPTongaLiveDigicelThrough Digicel's Monile Money service, Tongan diaspora living in New Zealand or Australia can pay fees directly to participating schools on behalf of family and friends in Tonga who are subscribed to Digicel. Payments are made with credit card or bank transfer via the online payment platform and are transfered directly to the mobile money account of the receiving school. This service was designed to address the fact that the majority of remittances in Tonga are for school expenses, and to address concern by diaspora that remittances were not being properly used by family members.http://www.klickexpacific.com/news.aspx#newsChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Vodacom TanzaniaVodacom TanzaniaEducationAFRTanzaniaLiveVodacomVodacom Tanzania allows parents to pay school fees directly via M-PESA through a relationship with nine schools. Chaiken reports in her USAID paper that this number is expected to growhttps://www.vodacom.co.tz/mpesa/consumers/pay_school_feesChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Mobile Money School Fees Payment Service EcoBank & Lonestar Cell MTNEducationAFRLiberiaLiveLonestar Cell MTNMobile Money School Fees Payment Service allows parents to make payments for school fees using their mobile phones.http://www.thenewdawnliberia.com/index.php?option=com_content&view=article&id=8754:mobile-money-eases-school-fees-payment&catid=36:investment&Itemid=62Chaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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ZAP School Fee ServiceAirtelEducationAFRUgandaLiveAirtelAirtel allows parents to pay their children’s school fees via their ZAP mobile payment platform. The service employs a large number of ZAP agents that are located throughout the country, which allows for easy access for parents.They are reported to have partnered with over 350 schools.http://www.monitor.co.ug/News/National/-/688334/917360/-/wymb85/-/index.htmlChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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MTN Mobile MoneyMTN Mobile MoneyEducationAFRUgandaLiveMTNSince November 2012, MTN Mobile Money has offered school fee payment via their service. Approximately, 250 schools are registered for this service. Users receive an SMS verification once payment has been received.http://www.mtn.co.ug/MTN-Services/Mobile-Banking/Paying-school-fees-with-MoMo.aspxChaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Teachers' Credit and Savings CooperativeUmwalimu Savings and Credit Cooperative (SACCO)EducationAFRRwandaLiveMFSUmwalimu SACCO is a Rwandan cooperative of credit and saving which gives out loans and salaries to teachers, which allows them to set up income-generating activities to subsidize their teacher's pay. In consideration of teachers that needed to travel a long distance to access salaries and loans, SACCO established a mobile money transfer system in 2009.http://www.umwalimusacco.co.rw/index.php?option=com_content&view=article&id=6&Itemid=169Chaiken, Tanner. Mobile Money for Education. USAID. Feb 2014
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Grundfos LifeLinkGrundfos GroupWaterAFRKenyaLiveAll MNOsGrundfos Lifelink supplies, installs and services pay-as-you-go water solutions. Its applications include a standalone water kiosk, a communal water point with separate water supply, and mini-grid water points with separate water supplies. Grundfos Lifelink utilizes automatic water dispensers that come with an integrated revenue management system that tracks consumption, credit transactions, technical performance, and needed repairs.http://www.grundfoslifelink.com/Ukaid and GSMA. MECS Vendor Directoy 2013.
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Grundfos LifeLinkGrundfos GroupWaterAFRUgandaLiveAll MNOsGrundfos Lifelink supplies, installs and services pay-as-you-go water solutions. Its applications include a standalone water kiosk, a communal water point with separate water supply, and mini-grid water points with separate water supplies. Grundfos Lifelink utilizes automatic water dispensers that come with an integrated revenue management system that tracks consumption, credit transactions, technical performance, and needed repairs.http://www.grundfoslifelink.com/Ukaid and GSMA. MECS Vendor Directoy 2013.
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Nairobi City WSC; Nanyuki WSC;
Kisumu WASOC; Kiamumbi WT
Nairobi City WSC; Nanyuki WSC;
Kisumu WASOC; Kiamumbi WT
WaterAFRKenyaLiveSafaricom, AirtelA 2011 Skoll Centre for Social Entrepreneurship paper reported that seven water and service providers in Kenya offer mobile payments. In Kiamumbi, Kenya 76% of bills are paid by mobile money, while 8% in Kisumu, 4% in Nairobi, and 1% in Nanyuki pay water bills via mobile money. These water service providers also offer SMS balance inquires. Mobile payments are also offered by utilities in Nakuru, Eldoret, and Nzoia.Hope, R.A., Foster, T., Krolikowski, A. and Cohen, I. (2011) Mobile Water Payment Innovations in Urban Africa. December 2011, School of Geography and the Environment and Skoll Centre for Social Entrepreneurship at Saïd Business School, Oxford University, UK.
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Drop by Drop Gets the PumpKickstartWaterAFRKenyaLiveSafaricomKickstart's mobile layaway service "Tone kwa Tone Pata Pump" (Kiswahili for "Drop by Drop gets the Pump") allows small-scale farmers to make incremental payments via M-PESA for an irrigation pump that is helld on lawaway until payments are complete.

Farmers register for the service via paper forms, and are subsequently notified via SMS that they've been registered for the service. They are asked to make an initial deposit of 30% of the cost of the pump and to complete payments by the end of three months (between $35-$95).
http://www.kickstart.org/news/2011/12/kickstart-mobile-layaway-progr.phphttp://www.kickstart.org/news/2010/11/tone-kwa-tone-layaway-pilot-pr.php
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Sustainable Water and Sanitation in Africa (SUWASA)USAIDWaterAFRKenyaLiveSafaricomTetraTech, Nakuru Water and Sanitation Services Company (NAWASSCO), Family Bank, Water Services Trust Fund (WSTF)SUWASA has implemented a number of other water financing iniatitives throughout urban and peri-urban regions of Senegal, Liberia, Nigeria, South Sudan, Ethiopia, Uganda, Kenya, Zambia, and Mozambique. SUWASA Kenya led a pilot of 95 public prepaid meters across 10 settlements in Nakuru. Users could draw water from public boreholes using a prepaid token which is loaded with value via M-Pesa Bill Pay.http://usaid-suwasa.org/index.php/projects-and-activities/kenya/item/36-nakuru-financing-pre-paid-meters-to-improve-the-quality-of-service-delivery
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National Water and Sewage Corporation -UgandaNational Water and Sewage Corporation -UgandaWaterAFRUgandaLiveMTN, UTLThe National Water and Sewage Corporation of Uganda (NWSC) transitioned to a completely electronic nationwide system called "e-Water" in March 2011. The system offers water bill payments via mobile money, and payment at bank branches.http://www.nwsc.co.ug/

http://www.nwsc.co.ug/ewater.html
Hope, R.A., Foster, T., Krolikowski, A. and Cohen, I. (2011) Mobile Water Payment Innovations in Urban Africa. December 2011, School of Geography and the Environment and Skoll Centre for Social Entrepreneurship at Saïd Business School, Oxford University, UK.
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Dar es Salaam
Water &
Sewerage Corporation
Dar es Salaam
Water &
Sewerage Corporation
WaterAFRTanzaniaLiveMultiple MNOsDar es Salaam Water & Sewerage Corporation (DAWASCO) offers mobile-enabled payments for water services, including bill payments via mobile money and SMS bill enquiries.http://www.dawasco.com/Krolikowski, Aaron et al. Wireless Water: Improving Urban Water Provision Through Mobile Finance Innovations. Skoll Centre for Social Entrepreneurship. April 2013
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DF+ May 2014