Chrissy Martin is currently working at Digicel Haiti. She is one of the main drivers behind the Digicel Group’s mobile banking efforts in the country.(Interested in Mobile Finance, Monitoring and Evaluation, Ushahidi, Haiti, Open Gov, Tech and Civic Empowerment, etc.)
In the following article (A List of Completely Wrong Assumptions About Technology Use in Emerging Economies) some of the challenges are described:
There were of course a number of expected challenges on the road to launching Haiti’s first successful mobile banking service, TchoTcho Mobile. The hurdle that I had not expected, however, had to do with the pin code. To use the service, you would enter your own personal pin number on your mobile phone in order to access your account. Seems perfectly straight forward. But it really isn’t.
The concept of a pin number is one that many of us take completely for granted. But the idea is often foreign to many would-be users of mobile banking services and not just in Haiti. Think about it: all one has to do to access all my money is to simply enter four numbers on my phone. That does genuinely sound crazy to me at a certain level. Granted, if you guess the pin wrong three times, the phone gets blocked and you have to call TchoTcho’s customer service. But still, I can understand the initial hesitation that many users had. When I asked Chrissy how they overcame the hurdle, her answer was simply this: training. It takes time for users to begin trusting a completely new technology.
Read more and watch the video here: http://irevolution.net/2011/06/26/wrong-assumptions-tech/#comment-7972