Reflection : Mobile Money for the Unbanked - Storytelling 

 Challenge & Selection 

 I ’m working on a project that increases economic development in rural areas with little or null   access to banking services . The current solutions focus only on two things : the funds to be   intended to social programs and the way they are delivered . 

 What is this about ? Well , they define the problem in a context that eliminates the opportunities   for innovation . They attack the problem in a general way , assuming total certainty and prediction   based on statistical data without exploring the details and characteristics of the persons In these   communities , for example , giving money cards in areas where there is not access to services   where they can be used , and providing food or money in areas far awy from these communities ,   ignoring the transportation , time and security challenges faced by these people when receiving   support . 

 The person who helps one of my partners cleaning his house has shared with us the long and   complicated process that her mom faces triyng to receive these socials programs . With the history   of her mom plus histories shared by other persons that have knowledge of this situation we have   design a solution to develop an economic growth , and bring closer financial services into these   zones . 

 Application     The first time we presented the solution we were focusing presenting the problem , the proposed   solution and the impact of this in the lives of these people . Altought we did’t communicate a story ,   we empathically connected the board members with the problem using an ethnographic   categorization and theorizing the results based on a similar solution applied in Africa where is a   success . 

 On the other hand , during the last presentation that we had with executives of another company   the results were different . We repeated the same formula that had previously given us success ,   but we failed to communicate the problem and therefore the impact of the solution . 

 When we explained the scheme operation , they argued the use of electronic wallets that requires   a card to operate as a better solution . The presentation has turned into a debate looking for   defend their ideas rather than a business / solution presentation . 

 We tried to make them see the problem with a focus on the needs of the person and problems of   infrastructure and lack of banking services that they experienced in their communities , to which   they argued with statistical and market data , for example the extension of cellular LTE Coverage to   National level , among others . In this way all his answers and arguments to the problem were   based on " big ideas " and market research data of the current situation . 

 After all this , we have seen the need to create a story that communicates emphatic the situation   of the people and the problems they face .      Insight & Approach     Applying the storytelling tool , the team has managed to create a story based on the experience   shared by Paolina , the girl who helps my partner cleaning his home , to see the challenges that her   mom faces when using these social programs .     We have tried to build a StoryTelling based on the following points : 

    Non - articulated needs of people . 

    Using statistical information+results information from our investigation of the problem   ( interviews , visualizing the problem ) and then connect them with with the protagonist . 

    Explain the current situation / problem based in   the emotional connection ( empathy ) 

    Create moments of reflection through questions and suspense between them . 

    The stresses that ignore the problem implies for the company . 

    Communicate the strategy involved in the situation . 

    The HardFact of the story is based on the challenges of the protagonist of the story and   not just in fixed data provides by reports/ market research . 

 “ She is Maria , a housewife with two small children who lives in the town of Zilacayotl , Municipality   of Acatepec , Guerrero , Mexico .     Zilacayotl is a town far away from the big cities , where there is not internet , there is not 4 G data ,   not many institutions or banking services .     Maria receives social programs support from the government , such as food and money ....   However , making use of them is not an easy task .      Apetzuca , a town that is 4 hours from her house , is the closest town where social programs are   distributed .     She has to leave her childrens alone all day to move to Apetzuca , she has to leave very early from   her home because the bus that goes there leaves at 7AM and each new bus takes two hours to   pass again .     Maria leaves   her house in the morning , motivated by not losing the bus and arriving as soon as   possible to Apetzuca , to neglect minimum her childrens and her home .     The bus cost is not cheap , the round trip is almost the same what she spend on the full food of one   day .     After arriving in Apetzuca and standing waiting for 2 hours under the sun 's rays , Maria achieves to   receive the food and economic support from the government , now she can take the bus back   home . However Maria knows that she still has the risk of being assaulted in the truck as it   happened last time . 

 Maria arrives at her home in the afternoon , fortunately there was n’t any assault or accident in her   way . His childrens are crying and ask her for food , because they have n’t ate anyting . Maria is tired   but she put the fire to cook something of the new food aid that was given to him and later she is   going to wash and to iron all the clothes that have pending as part of its work .     Is   fair that receiving help implies neglecting your home , children and other activities ?   How is possible that we still allow localities and people staying disconnected from the world today ,   being leaders in networks and connectivity ? ( Question for the executive board members of the   company )     Just like the case of Maria , only 57 % of the municipalities in Mexico have access to financial   services ... what about the other 43 % ? Are they forgotten places where more families , including   men and women , face the same challenges as Maria ?     Let 's go back to Maria , every month her husband sends remittances to her and her children . María   againg has to travel form Apetzuca to other more far way place : the municipality of Tlatlahuque ,   Guerrero which is 1 hour and 45 minutes from Acatepec . Tlatlahuaque is the nearest municipality   where you can find a bank and take remittances . The same story is repeated , alone childrens at   home , risk of assault on bus , long journey times and this time high commissions charged by the   bank , taking away   a good portion of the remittances sent to Maria .     Simply the payment of $ 20 trillion USD in remittance commissions and $ 10.6 trillion in G2P   transaction commissions ( Goverment to person ) and P2P ( Person to person ) .     Again , why ca n’t we connect this forgotten sector to banking services ?   Is the little social valuation that we give to these types of places and people or is the inexistence of   a business model that suits this type of scheme ?     Imagine that Maria only had to go once in her life to Tlatlahuaque to create a bank account ...   imagine that she could make use of the social programs , and the money she receives from   remittances by simply presenting her finger in the stores near her locality .     Can we hack the existing system ?   Of course , economic development from   inside to   outside in these communities , no longer long   travel times , no more assault risks , no high commissions form remittances , no forgotten areas   disconnected from the world today . Imagine DineroMovil . ”     I liked this course ,   Thanks .       Pablo Garcia . 


EMAIL: 
ID_NUM: 
NAME_STUDENT: Pablo Garcia
PHONE_NUM: 
STREET_ADDRESS: 
URL_PERSONAL: 
USERNAME: 

### Task: You are a PII (Personal Identity Information) Detection. Given a essays written by students, you have to identify ONLY the following:
NAME_STUDENT - The full or partial name of a student that is not necessarily the author of the essay. This excludes instructors, authors, and other person names.
EMAIL - A student’s email address.
USERNAME - A student's username on any platform.
ID_NUM - A number or sequence of characters that could be used to identify a student, such as a student ID or a social security number.
PHONE_NUM - A phone number associated with a student.
URL_PERSONAL - A URL that might be used to identify a student.
STREET_ADDRESS - A full or partial street address that is associated with the student, such as their home address.
### Input: Reflection : Mobile Money for the Unbanked - Storytelling 

 Challenge & Selection 

 I ’m working on a project that increases economic development in rural areas with little or null   access to banking services . The current solutions focus only on two things : the funds to be   intended to social programs and the way they are delivered . 

 What is this about ? Well , they define the problem in a context that eliminates the opportunities   for innovation . They attack the problem in a general way , assuming total certainty and prediction   based on statistical data without exploring the details and characteristics of the persons In these   communities , for example , giving money cards in areas where there is not access to services   where they can be used , and providing food or money in areas far awy from these communities ,   ignoring the transportation , time and security challenges faced by these people when receiving   support . 

 The person who helps one of my partners cleaning his house has shared with us the long and   complicated process that her mom faces triyng to receive these socials programs . With the history   of her mom plus histories shared by other persons that have knowledge of this situation we have   design a solution to develop an economic growth , and bring closer financial services into these   zones . 

 Application     The first time we presented the solution we were focusing presenting the problem , the proposed   solution and the impact of this in the lives of these people . Altought we did’t communicate a story ,   we empathically connected the board members with the problem using an ethnographic   categorization and theorizing the results based on a similar solution applied in Africa where is a   success . 

 On the other hand , during the last presentation that we had with executives of another company   the results were different . We repeated the same formula that had previously given us success ,   but we failed to communicate the problem and therefore the impact of the solution . 

 When we explained the scheme operation , they argued the use of electronic wallets that requires   a card to operate as a better solution . The presentation has turned into a debate looking for   defend their ideas rather than a business / solution presentation . 

 We tried to make them see the problem with a focus on the needs of the person and problems of   infrastructure and lack of banking services that they experienced in their communities , to which   they argued with statistical and market data , for example the extension of cellular LTE Coverage to   National level , among others . In this way all his answers and arguments to the problem were   based on " big ideas " and market research data of the current situation . 

 After all this , we have seen the need to create a story that communicates emphatic the situation   of the people and the problems they face .      Insight & Approach     Applying the storytelling tool , the team has managed to create a story based on the experience   shared by Paolina , the girl who helps my partner cleaning his home , to see the challenges that her   mom faces when using these social programs .     We have tried to build a StoryTelling based on the following points : 

    Non - articulated needs of people . 

    Using statistical information+results information from our investigation of the problem   ( interviews , visualizing the problem ) and then connect them with with the protagonist . 

    Explain the current situation / problem based in   the emotional connection ( empathy ) 

    Create moments of reflection through questions and suspense between them . 

    The stresses that ignore the problem implies for the company . 

    Communicate the strategy involved in the situation . 

    The HardFact of the story is based on the challenges of the protagonist of the story and   not just in fixed data provides by reports/ market research . 

 “ She is Maria , a housewife with two small children who lives in the town of Zilacayotl , Municipality   of Acatepec , Guerrero , Mexico .     Zilacayotl is a town far away from the big cities , where there is not internet , there is not 4 G data ,   not many institutions or banking services .     Maria receives social programs support from the government , such as food and money ....   However , making use of them is not an easy task .      Apetzuca , a town that is 4 hours from her house , is the closest town where social programs are   distributed .     She has to leave her childrens alone all day to move to Apetzuca , she has to leave very early from   her home because the bus that goes there leaves at 7AM and each new bus takes two hours to   pass again .     Maria leaves   her house in the morning , motivated by not losing the bus and arriving as soon as   possible to Apetzuca , to neglect minimum her childrens and her home .     The bus cost is not cheap , the round trip is almost the same what she spend on the full food of one   day .     After arriving in Apetzuca and standing waiting for 2 hours under the sun 's rays , Maria achieves to   receive the food and economic support from the government , now she can take the bus back   home . However Maria knows that she still has the risk of being assaulted in the truck as it   happened last time . 

 Maria arrives at her home in the afternoon , fortunately there was n’t any assault or accident in her   way . His childrens are crying and ask her for food , because they have n’t ate anyting . Maria is tired   but she put the fire to cook something of the new food aid that was given to him and later she is   going to wash and to iron all the clothes that have pending as part of its work .     Is   fair that receiving help implies neglecting your home , children and other activities ?   How is possible that we still allow localities and people staying disconnected from the world today ,   being leaders in networks and connectivity ? ( Question for the executive board members of the   company )     Just like the case of Maria , only 57 % of the municipalities in Mexico have access to financial   services ... what about the other 43 % ? Are they forgotten places where more families , including   men and women , face the same challenges as Maria ?     Let 's go back to Maria , every month her husband sends remittances to her and her children . María   againg has to travel form Apetzuca to other more far way place : the municipality of Tlatlahuque ,   Guerrero which is 1 hour and 45 minutes from Acatepec . Tlatlahuaque is the nearest municipality   where you can find a bank and take remittances . The same story is repeated , alone childrens at   home , risk of assault on bus , long journey times and this time high commissions charged by the   bank , taking away   a good portion of the remittances sent to Maria .     Simply the payment of $ 20 trillion USD in remittance commissions and $ 10.6 trillion in G2P   transaction commissions ( Goverment to person ) and P2P ( Person to person ) .     Again , why ca n’t we connect this forgotten sector to banking services ?   Is the little social valuation that we give to these types of places and people or is the inexistence of   a business model that suits this type of scheme ?     Imagine that Maria only had to go once in her life to Tlatlahuaque to create a bank account ...   imagine that she could make use of the social programs , and the money she receives from   remittances by simply presenting her finger in the stores near her locality .     Can we hack the existing system ?   Of course , economic development from   inside to   outside in these communities , no longer long   travel times , no more assault risks , no high commissions form remittances , no forgotten areas   disconnected from the world today . Imagine DineroMovil . ”     I liked this course ,   Thanks .       Pablo Garcia .
### Output: 