parivartan lite

8/14/2019 Parivartan Lite

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a penny saved is apenny earned

- Benjamin Franklin


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A service using mobile network and

internet services to savemoney andmake simple transactions

for BOP and TOP users


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Improvingthe LIFEof BOP people

using mobile internet services and

have an interfacebetween TOPpeople.

Where we started from ?


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What is BOP or TOPall about?

TOPUpper income group

Lower income group

BOP

Strugglers

Ignorant

Early adopters


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Issues: InfrastructureExploitationChild Labor EducationLack of awareness PovertySocial Injustice Liquor

A close look at BOP

Needs : Food (Ration) Money IncomeShelterJobsSecurity Childrens Education Travel Marriage


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Mobile service for the bartering system.A service which enables the users to exchange goods for goods. Theusers are informed abut the offers and connected .to make transactions

Concepts

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

Railway ticket booking through mobile phone.

Savings and Transactions over mobile phone.A service which enables the users to have small savingsand cashless

transactions .over the mobile phone


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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 Indias

population


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India - Land of Opportunity

,60 000villages and 800 million population

Of 2 million ,BSNL mobile connections %50 are in small/ .towns villages

Rural literacy level improved from %36 to

, ,1 38 000 .Post Offices available in villages

, ,3 80 000

retail shops

,32 000 bank branches

-Right Platform with infrastructuresustainable solution


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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


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scenario

Raju is a BOP person whoearns a daily wage andspends most of the moneyon liquor as he has no plansfor saving.

His family consists of 4members including 2children.

He cannot afford theireducation or keep goodhealth.

Using parivartan now hecould save some amounteveryday via mobile easily,be accountable to the familyand be more responsible.


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Registration Authentication Transaction

Information

Acknowledgement

Reporting

Systemic Diagram:


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User researchName: Manjunathan Unknown Unknown VirappaAge: 47 yrs around 35 yrs 26 yrs 52 yrs

Locality: bangalore andhra pradesh andhra pradesh Andhra pradesh

Sex: male male male male

Married: married married single married

Job profile: security guard Painter Painter Painter

1. How many members are there in your family? 3 4 3 62. Do you use mobile? No yes yes Yes3. If you dont 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 25. 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? 1 month 1 month 26 days 1 month

6. Do you use any services on mobile? NO no No No Alerts Message Bonus card GPRS

7. What is your family income?(earning on daily basis/monthly basis) Rs 9000 monthly Rs 6000-8000 monthly Rs 6000 monthly Rs 9000 monthly8. How many members are earning? 2 1 1 29. What are your expenditures? food ,accomodation food ,accomodation food ,accomodation food ,accomodation10. Do you plan your expenditure ( children education,marriage) no no no Yes11. What is kind of investment that you have made? none Bank none none12. 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


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personas


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personas


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personas


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User Flow

Tracking Account TransactionsMobile


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User Flow

Transfer Mobile to Mobile


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User Flow

Transfer Mobile to Mobile( )shortcut


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User Flow

Withdrawal from ATM


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While going backhomehe goes to the ATMandwithdraws 100/-

A guy goesto the shop

He asks for aregistrationform for himselfand his son

He fills up the formand

attaches the requireddocuments And gives it totheshopkeeper

His talk time accountgets activatedimmediatelyHe comes back after2daysto deposit money oncehis

account is activated.After the money istransferredhe gets a message showingtheamount deducted andbalance.

He goes out inauto and pays40/-to the auto guy.

He transfers 40/- totheauto guys mobileaccount

Ram Shankar

:Age 45

:Job Carpenter.Earns 4000 per month No financial

. .planning Earns on daily basis

He does the recharge of1000/-. Out of it 800 goesto his savings account and200 to the talk timeaccount.

User Journey


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