a penny saved is a

penny earned
- Benjamin Franklin
 A service using mobile network and
internet services to save money and
make simple transactions
for BOP and TOP users
 Where we started from ?

Improving the LIFE of BOP people

using mobile internet services and
have an interface between TOP
people.
 What is BOP or TOP
all about?
Upper income group Early adopters
TOP

Strugglers
Lower income group
BOP Ignorant
 A close look at BOP

Needs : Food (Ration) Money Income Shelter Jobs

Security Children’s Education Travel Marriage

Issues: Infrastructure Exploitation Child Labor Education

Lack of awareness Poverty Social Injustice Liquor
 Concepts
Mobile service for the bartering system.
A service which enables the users to exchange goods for goods. The
users are informed abut the offers and connected to make transactions .

Railway ticket booking through mobile phone.

A service through which we can buy rail tickets from the talk time balance
available on the mobile phone.

Savings and Transactions over mobile phone.

A service which enables the users to have small savings and cashless
transactions over the mobile phone.
 What is happening in India ?

2 lakh farmers committed suicide in last 12 years

Number of households debt rose from 26% to 48.6% in 10 years

400 million are in BOP which accounts to 40% of India’s

population
 India - Land of Opportunity
60,000 villages and 800 million population
Of 2 million BSNL mobile connections, 50% are in small
towns / villages.
Rural literacy level improved from 36% to 5

1,38,000 Post Offices available in villages.

3,80,000 retail shops

32,000 bank branches

Right Platform with infrastructure -

sustainable solution
 a glimpse of the mobile
banking market
Bank focused model
Banks uses phone , internet banking ,(ATMs) to provide banking services to its
existing customers.

Bank led model

Transactions are made from retail agents and phones where the customer
accounts rests with the bank.

Non-Bank led model

Bank doesn’t come into picture, the telecom companies manage the accounts.
 scenario
Raju is a BOP person who
earns a daily wage and
spends most of the money
on liquor as he has no plans
for saving.

His family consists of 4

members including 2
children.

He cannot afford their

education or keep good
health.

Using “parivartan” now he

could save some amount
everyday via mobile easily,
be accountable to the family
and be more responsible.
 Systemic Diagram:

Registration Authentication Transaction

Acknowledgement

Reporting
Information
 User research
Name: Manjunathan Unknown Unknown Virappa
Age: 47yrs around 35yrs 26yrs 52yrs
Locality: bangalore andhra pradesh andhra pradesh Andhra pradesh
Sex: male male male male
Married: married married single married
Jobprofile: security guard Painter Painter Painter
1.       How many members are there in your family? 3 4 3 6
2.       Do you use mobile? No yes yes Yes
3.       If you don’t have mobile phones, do u make phone calls? yes NA NA NA
•         Are they done through local booths? Yes
•         Or by any other means? Friends Mobile
4.       How many members in your family have a mobile phone for personal use? 1 2 3 2
5.       If yes- what are the handsets? Nokia B & W basic Nokia basic B&W Samsung basic
•         What is the type of service (Vodafone/idea etc) Airtel Airtel Vodafone Vodafone
•         What is the denomination/amount of recharge that you get most often? Rs 200 Rs 300 Rs 400 Rs 250
•         How long does it last? 1month 1month 26days 1month
6.       Do you use any services on mobile? NO no No No
•         Alerts
•         Message
•         Bonus card
•         GPRS
7.       What is your family income?(earningon daily basis/monthly basis) Rs 9000monthly Rs 6000-8000monthly Rs 6000monthly Rs 9000monthly
8.       How many members are earning? 2 1 1 2
9.       What are your expenditures? food ,accomodation food ,accomodation food ,accomodation food ,accomodation
10.   Do you plan your expenditure ( children education,marriage) no no no Yes
11.   What is kind of investment that you have made? none Bank none none
12.   If yes: in what form? no
•         Saving account savings account
•         Any other way?
13.   Which saving service are you using? no
•         Banks and which bank Andhra bank Bank/PF Andhra Bank
•         Postal services saving account
•         Any other
personas
personas
personas
 User Flow
TOP user – Tracking Account Transactions
 User Flow
Tracking Account Transactions–
Mobile
 User Flow
Transfer – Mobile to Mobile
 User Flow
Transfer – Mobile to Mobile
(shortcut)
User Flow
Withdrawal – from ATM
 User Journey
Ram Shankar
Age: 45
Job: Carpenter
Earns 4000 per month. No financial
planning. Earns on daily basis.

A guy goes He asks for a

to the shop registration
form for himself He fills up the form
and his son and
attaches the required And gives it to
documents the
shopkeeper
His talk time account
gets activated
immediately
He comes back after
While going back 2days
home to deposit money once
he goes to the ATM his
After the money is He doesisthe
account recharge of
activated.
and
1000/-. Out of it 800 goes
withdraws 100/- transferred
he gets a message showing to his savings account and
the He transfers 40/- to 200 to the talk time
amount deducted and the account.
He goes out in
balance. auto guys mobile auto and pays
account 40/-
to the auto guy.
wireframes