You know, it's 10 things Europe can learn from Kenya, but you know, we are super excited

to talk to you about some stuff that you can learn from us. However, this is not a talk about running a marathon, but I assure you that it is going to be fun. So one of the first things I'd like to talk to you about is that we have a tweeting chief. This is a guy who runs a location. So a location is an administrative unit,

normally a village, and in this case it's a rural village in Kenya. And this guy, he's a chief. He's not your super literate guy. He doesn't have a master's or maybe he doesn't even have the first degree, but he uses Twitter to talk to his residents, to the residents of his location about, you talk to them

about security issues or about social issues. So just to give you some context, in Kenya, in the rural areas, it's not very uncommon to go to the chief and report your husband because he gets drunk all the time. And then the chief will, you know, the chief will call your husband and talk to him and solve the issue. So these are examples of some of the tweets from the tweeting

chief. So this one is in Kiswahili, but the translation is down there. So it says, and then it says, so a woman stole two children and the chief, you know, spread the word.

So what happens is it's Twitter to text. So once he sends the tweet, it goes into the text of everyone in his village. And so then they can easily mobilize and figure out what to do or report, because now there's a number there and you can take action.

So the second thing we'd like to teach you, what can you do with Nokia 100 apart from being a really cool ear accessory? So in Kenya, as most of you know, we have very high mobile penetration, but a lot of these mobile phones happen to be feature phones. That does not limit us from using technology in very creative ways. The first way is dating. Most

guys get their date matches via SMS. So they're very cool and very popular SMS services such as getting a date, betting on your favorite Premier League clubs because you're obsessed to the English Premier League, getting scores for the Premier League again, because that's what our lives revolve around, getting prizes of crops. So farmers in many rural

areas get their prizes through SMS because every time we go to the market every week, the prices change very fast. And that's the way they keep, they stay updated because they have no internet. So there's no way to stay online through that really cool ear accessory. They also get info on maternal health care. We have products such as

Total Health that I'm sure some of you have heard about. It's a very simple SMS service that sends messages to young and not so young mothers on how to take care of themselves while they're pregnant and of their kids once they're born because of the distance to different clinics. So they're not able to get to the

clinic when they need to go there. So very simple messages to tell them, do this and don't do this, take these drugs or you need to now go to the clinic. Well, we are hoping to help babies stay alive. And yes, I talked about betting on football matches. Yeah, that's it. Oh, no, no, one more point. I was

trying to remember what I'd forgotten. Jobs, which is something I'm very much interested in. There are a lot of SMS job listing services. By sending jobs to say 2249, we're able to stay updated on jobs that have you are requiring your skill levels like accounting or whatever other jobs, particularly for gigs, front end designers, back end developers, a lot of jobs

that advertise through these SMS services. So this is how we get our employment. So we also use social media for social impact stuff. So the picture you're seeing on on the screen

is, so there was this wave of touts who would strip women they thought or considered were dressing indecently. So they think you're dressed indecently, your dress is slightly shorter than they expect it to be. And they strip you naked. And someone took a video of one of those

incidents and put it on on Facebook, and then also shared it on WhatsApp. And what that resulted in was a group called Kilimanimams on Facebook. They mobilized people on Facebook to have demos offline. So women came together,

all of them, mostly women, but obviously there are men who were supporting this. And they started hashtag my dress, my choice. So basically, it was telling the community that a woman has a right to what she wants to wear. And what this why this is very significant is because it actually

influenced policy, in that the government was able to enforce a sexual assault or abuse against both genders. And that was very powerful. And this is just one of the social, I would say social activism, if there's any word like that,

that happens there. So we mobilize people online, then take the actions offline, hoping that it could influence change in the society. It could influence policy, it could influence several other factors, and the touts, they were jailed for 25 years. So that is big for us. Yeah. Thank

you. So in Kenya, social media takes on a whole new dimension, where we actually use it for formal functions. I remember I had a young man who was interning at the I have from

Canada, his name is Scott. Scott was very surprised that when he came and got his Kenyan seam, and he had problems with it. And I told him, Oh, just tweet Safari com. They'll sort you out. He was like, What? I don't need to go there. I don't send I don't need to send them an email. So one of the really cool things is that you

can do, you can do an entire customer care cycle, if you call it like that, on Twitter, you don't need to write an email or show up at the border phone office, for example. I remember one time when I lost my my phone. So we do a lot of mobile banking. And once when you

lose your phone, you immediately want to stop the sim card so that someone does not carry out transactions on your phone. And all I did was tweet Safari com. They sent me a direct message on Twitter, they asked me some questions about my sim card. And when they verify that it was me, they just blocked it. And when I was ready to get a new sim, all I had to go all I had to do was

go and pick one up. This slide you're seeing here is Kenyans Kenyans immigration department that deals with for example, giving passports giving work permits. And the first tweets there mentioned something like a citizen system. Now you can apply for your passport online. And you can track your passport by just talking

to them on Facebook talking to them on Twitter. If your passport was supposed to take four days and you still haven't got it, all you need to do is tweet them and they tell you it's because you have not submitted this document and then you sort it out from there. So for example, Kenya Power Kenya Power is one of our favorite people to tweet. So Kenya Power is the sole electric distribution company in Kenya. It's owned

by the government. And whenever power goes off, we always send angry tweets to them saying Kenya Power what the hell power is off again. And normally what they will do is that they will this they will ask you for your electricity account number which helps them to know which area you are in. And more than often you'll find that the lights have been

restored. Another thing is help which is higher education loans board. So that's college loans. So now you can apply for your college loan via SMS. You know, apply to track the progress, receive it on your mobile phone and even pay for it on your mobile phone.

So here for us, social media just takes on a whole new perspective. We can't talk about tech in Kenya without talking about M-Pesa. How many point the audience has have had about M-Pesa? Yeah, pretty

much all of you. So I wouldn't give an M-Pesa pitch. Just explain how it's all evolved over the years. It started from being a very basic service. Majority of working Kenya lives in the urban areas. They work all week and over the weekend they need to send money back home to the family that lives in the countryside. So the basic idea was send money over your phone. So you'll go to a M-Pesa

agent, give them cash, then they load money onto your phone. Then you're going to transfer it to whatever area you're sending it to. Then whoever you send the money will go to an agent and withdraw the money. That was the very basic simple technology. It evolved to being I can now pay for my air time with M-Pesa. I can pay for my beer

with M-Pesa. I can pay for my tax with M-Pesa. So it's actually a mode of payment that vendors in Kenya started accepting. And it brought a big boost in the informal sector. Because we don't have credit cards in Kenya, most people want to qualify for one and banks don't really give credit cards. So that was our easy way of being able to buy things online and actually use mobile money in

place of M-Pesa, in place of credit cards, and after that, it evolved to be the bank of the unbanked. Now, you really don't need to have a formal bank with M-Pesa. Well, in a way, there's formal banking, but I will not get into details. So from the user's end point, you simply bought

a SIM card. You have M-Pesa in each register as an M-Pesa user. You're able to get credit through M-Pesa depending on the amount you normally transact. Somehow it's calculated. So if I always send Mugedi a thousand shillings, like I always do, and she sends them back? I'm kidding. So if I

always send Mugedi a thousand shillings, I can easily go to my M-Pesa account and request to get a thousand shillings on credit, because they see from my transactions that I always send a thousand shillings. A thousand shillings is like $10. Not much money, but can make a big difference. So it's very easy for people to get those small micro-credits through their mobile

phone. You're not filling up any form, you're going to banks, you don't need to understand any banking procedure, you don't need a formal job to back your loan application. So it's very simple and you're going to pay it systematically as you load money on your phone. So that's the bank of the unbanked. And for this slide, we don't go to the bank, we just text. For those with

formal banking, we're able to connect our bank account with our M-Pesa account so that I can deposit money to my bank account from the comfort of my couch, withdraw money from my bank account to my M-Pesa account. Clearly everything in Kenya is linked to M-Pesa. So this is a very easy way to make banking simple and

seamless for us, because the majority of the country has no access to internet. So by having this service that works on any basic phone, gives people access to, I can say, internet banking, a service they'll otherwise not have access to. That was so good, I was actually

watching, I forgot I was supposed to talk. Anyway, so the picture on the screen, primary school kids, and they're actually studying for their India exams, using a text. So we don't need, we need books, but not really. We can

text, we can read on phones. And what this has happened is an application called children's education, most of the kids who perform well used to be in expensive schools, because the poverty level for some of those

kids is too low that they do not even afford a textbook. But now they can text and still read on their parents' phone, because I think in every family, almost all families, or at least a village, you will find a basic phone. And now kids can together revise for their

India exams with those kids who have textbooks, with those kids who have resources online without having to buy those books. So it somehow subsidises the costs for parents. It also provides those kids enough platform to

compete at a national level like the other kids. Another I think I would say impactful thing about phones that is happening in Kenya is Jerry mentioned about total health. And what I love about total health is the fact

that for mothers, especially young mothers who don't know, and first time mothers who don't know much about development of a child, they can be given information about growth stages of a kid. They can also be asked questions about the stages of the baby growing. And

then if there's any deformity, they are asked to go to the clinic. So this can help track deformities or disabilities early in a kid, and then help them get medication early for things like polio or any other disease or a

disability that can be altered early in life. So I think for me that's very key about what Jerry talked about total health. So I had in Europe, if it's Christmas time and

you get gifts that you don't like and you sell them on eBay, is that true? Oh, man. So in Africa we give gifts, we don't sell them on eBay. So what happens is during major festivals like Christmas and Eid, you go, if you

live in the city, for example, you go, you shop for your parents and then you go home to mommy or you go home to grandma and you celebrate together. So now there's a big number of Kenyans in diaspora, but just because we are in diaspora doesn't mean we change our traditions. So we have some solutions that allow Kenyans to shop for their people at home. So for

example, you have mamma mikes.com, you can buy anything on mamma mikes and have it delivered. So you can even buy a goat for Eid and just have it delivered to your parents' house. You can buy air time. There's another application or service, it's called task way to task way

to. So another thing that a lot of Kenyans do, and I think this applies to a lot of people in diaspora, is you want to invest at home. So maybe you want to build a house and make it a rental house and what you do is you send your brother money all the time to keep the project going. And maybe if your brother wants to go

clubbing, he takes a little of the money and goes clubbing. So a task way to, you don't have to worry about that. They help you identify real estate, you send them money and they do it for you. We also have another one called Tumakaro, that's Kiswahili for saying send school fees. So send school fees, you can

pay your kids school fees from diaspora. So just say which school it is. You send them the money using your credit card. So if you're in Europe, for example, and they pay fees using their account and they take the banking slip to your child's school. So no more. So sometimes, you know, you might be a teenager, your mom is in that diaspora, she

sends you Western Union and then you, you know, you just go party market. That doesn't need to happen anymore. This is actually my favorite slide. And this has nothing to do with tech. This is about a culture that's very popular in Kenya and a lot of sub-Saharan African countries. We call

them chamas. I think the English word is merry-go-rounds. It's a very simple concept where we bank in each other. So we all know banking sucks. I was told to attribute that banking suck statement to Bastawy at the back. So Bastawy made that statement. So we all agree that banking

sucks and we all know it and micro-finance is not working for us in Kenya. So the walk around it is, so Sheila Mugedi and I will become a bank for each other. So instead of going to a bank that I will not name to deposit my money, I will go and deposit my money to Sheila. She's literally my bank and I can withdraw from her. And if she's to give me credit, I'll pay her

interest. So this is totally killing the need for banks in Kenya. With M-Pesa, we can easily transfer money. We have services at M-Changa and I think ChamaSoft? Yes, that is especially designed for chamas, which is basically people banking socially and informally among

themselves with the help of tech. So in case you want to know how to, you know, stop paying interest to your bank and stop supporting the bankers, do talk to us. So we don't need SaaS. We don't

need SaaS. We got a phone. And this is a powerful slide because in the past, we call them mambogas who sell groceries by the road or corner stores in estates. They never used to have accounting records. So they would

normally write it, maybe a kid would tear it or something like that. But now they have applications that can help them track stock, sales, calculate, let's say analytics. Let's make it sophisticated. They get, they have analytics now. So they can, they can track everything they are doing in their businesses, know which

product is going fast, which product is in season now, what they should get with just a phone. And even guys who sell liquor can now have accounting. They can do invoicing for the guys who bring them the liquor. They can do I mean basic accounting stuff that you

don't even need to go to school to do. We do that now. Isn't that dope? So crowdsourcing is huge now globally. There's kickstarters, we have cheetah fun and stuff. But for us, this has always been there. So like Jerry

said about Chalmers and stuff, so we used to have a Rambi. In fact, it was in the loyalty pledge. Like it was that big government thought it was necessary to have it in the loyalty pledge. So how that used to work was you have a small village and maybe one kid is now going to the university and the village is so

proud of that kid. So basically all of us come, we discuss about what the needs of this kid is and then all of us contribute as a community for that kid without being told. So we say we'll pay for tuition. So basically the village comes together, contributes whatever amount of money

they have, and then that kid is taken to school. But now it's a different thing we crowdsource. We crowdsource for information. So by nature, we are people who love to give. And what you're seeing here is an app called Mathri root. So traffic sometimes in Nairobi is crazy. And especially

when it rains, it rains cars. So there's so much traffic. You can stay in traffic for sometimes even six hours, eight hours. So with this application, if you're stuck in traffic, you just tweet or SMS them and say there's traffic on Gong Road. So everyone else who follows them will see there's traffic on Gong Road, so

use an alternative route. So we also have other crowdsourcing platforms like the famous Sushaidi, which was used for post-election violence. We also have Umati that tracks hate speech. So basically it's just giving information to, I mean, to

everyone else to know what is happening. And what that helps to the other side, not the guys giving information, is now you have a rich pool of data that you can use for different things. You can use it to understand a community. You can use it to manage a disaster. You can use it to understand what is

going on in a particular crisis area, and then inform what steps to take. And now we'll teach you how to dance.

Why can't you guys just rock the whole afternoon here, huh? Well, I know we ran out of

time, but I would still like to extend it another five minutes to sleep in case you have questions. So we just shortened the break. Okay. If the stage manager is all right with that, five more minutes. Okay, perfect. Thank you. So the floor is again yours. Okay. Any questions or clarifications? Hi. It's not

honest. Um, yeah. You talked a lot about Facebook and Twitter. I'm just wondering how do you use YouTube in Kenya? Do you have YouTube stars? Do you have video, like political video bloggers or what's, what's the scene like? Yes. Um, yeah. YouTube is, is also quite big in Kenya. Um, there's

a lot of Kenyans are notorious for taking videos when they should not be taking them and then putting them on YouTube. A recent example is a government official. Um, so I think it was an MP, a member of parliament. Um, he had, I think he was trying to import his container. It was

too heavy to go through the toll station. And so he came in person to intimidate the toll officer and someone recorded it and put it on YouTube and shared it on social media. And he got a lot of heat for, uh, for that. So yes. And then it's optimized for mobile. So most of us would just use it, uh, record it on our phone, upload it and use it

on our phone. It's also quite, quite big. Just, just to add on that. Um, so we also use it, I think videos on WhatsApp are huge in, in, in Kenya as opposed to, to YouTube because of, of course the bandwidth, but then those videos obviously come from

YouTube. So sometimes most people would rather download it, resize it, and then send it to WhatsApp because you can reach a wider, a wider number of people. Not, not really like the musician YouTube stars. Maybe they'll come up soon. We don't have how to's on YouTube makeup tutorials. Not

yet. We have a few, but it's not huge. Hi, thank you for a wonderful presentation. Uh, I wonder how expensive is it to use mobile phone internet on mobile phones in Kenya? How expensive is it? I'm getting a hundred MB. Um, is it Bob? No, 40 Bob.

Okay. Okay. Clearly we don't know a bundles. Um, cause so in Nairobi there's fiber. Um, but if you're using mobile internet, it will be 10 cents for a hundred MB during the day and a hundred MB at night, but it gets cheaper and cheaper. If say you're buying a one GB, it would

cost you $50 thousand shillings. One, clearly we all don't use mobile internet. I'm so sorry. But you can just Google that. All the information is online. However, I will add that it's cheaper if you're using, um, you know, a

mob internet enabled phone as compared to a smartphone. Obviously smartphones gobble up bandwidth. So for example, personally I would buy, I would use a thousand Kenya shillings. It's about a hundred. So it's like a hundred euro per month. I buy a, I mean, yeah, I 10 euro buy a bundle that I will use for data for the month. Yeah. It's

relatively cheap. Yeah. I think I'm going to be the scapegoat now. We have to make a short break of 10 minutes. We are going to meet here again at 12 30 for another three incredible ladies coming from Europe for the United States and

Africa. Kenya again, actually.