JAN CHIPCHASE

tech@state

~8.6 billion humans

~5 billion subscribersSource: ITU, estimate for end of 2010

~1.2 billion phones sold Source: Nokia, 2009

“cell phone”

aspiration

convenience & privacy

convenience & privacysome, but not all

transactions

“illiteracy”

“illiteracy”

“competency”

“competency”to be connected?

“competency”to complete a financial

transaction?

“competency”what does the user need to know to complete the task in any given

context?

“competency”what does it mean to be

financially literate in any given context?

rote learning

proximate literacy

proximate literacy

ownership is not “use”

ownership is not “use”the path of least financial

resistance

corner-shop app stores

corner-shop app stores

corner-shop app storescontent mediators, technical

competency

user literacyour literacy of users

user literacyour literacy of users