baby bank dedicated maternal savings program via M- Pesa Eva Hoffmann, David Rizk, Amber Saloner
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1 baby bank dedicated maternal savings program via M- Pesa Eva Hoffmann, David Rizk, Amber Saloner
2 meet Rose
3 she lives in Nairobi
4 with her husband and two kids and she s expecgng one more (the average fertility rate in Kenya is 4.92 births per woman*) *World Bank, World Development Indicators
5 she already lost a child
6 lost a child
7 and wants to deliver this child safely
8 but
9 every minute a Kenyan woman or child dies from pregnancy- related complicagons * *USAID Maternal and Child Health report
10 every hour
11 every day
12 Rose needs a plan why?
13 Rose wants clinic appointments
14 Rose wants malaria medicagon
15 Rose wants blood pressure tesgng
16 Rose wants delivery in a clinic
17 but&
18 healthcare is expensive!
19 clinic appointments? 20 Ksh. (20 Ksh is roughly 25 US, or about an hour of her family s wages)
20 malaria medicagon? 300 Ksh. (two days wages)
21 blood pressure tesgng? 80 Ksh. (half a day s wages)
22 delivery in a clinic? Ksh. (10 to 25 days wages)
23 QuickTime and a decompressor are needed to see this picture. Rose and her children sell fruit
24 the family earns 150 Ksh./day
25 if Rose saves 15 Ksh. each day
26 if Rose saves 15 Ksh. each day.it will take over 9 months to save 4000 Ksh.
27 Rose needs a tool to help her save money
28 Rose needs a tool to keep cash secure
29 Rose needs a tool to make deposigng easier
30 Rose needs a tool to make saving a habit
31 and there already is one! (kind of) QuickTime and a decompressor are needed to see this picture.
32 what if
33 what if expecgng Kenyan mothers had a savings account tailored to their needs?
34 this is how it would work (our prototype) QuickTime and a decompressor are needed to see this picture.
35 Rose wants to save because she s pregnant!
36 and she wants to deliver a healthy baby
37 (and she knows prenatal care is expensive)
38 Rose signs up for a baby bank account at her local M- Pesa agent QuickTime and a decompressor are needed to see this picture.
39 she chooses one of several default plans to match her income & savings ability
40 her baby bank account supplies concrete savings goals according to her savings ability (visits, medicagons, clinic delivery)
41 Rose chooses to automagcally save 7% of payments she receives on M- Pesa
42 SMS texts help Rose track her progress and remind her to save more
43 informagonal texts reinforce healthy habits and Rose s commitment to her savings goals
44 Rose s baby bank account accepts deposits from friends and family, even from the UK
45 Rose receives the Gmely disbursement of her savings
46 Rose s money is sent directly to the doctor - she never has to pocket the cash!
47 but this is only one baby bank scenario
48 we considered many others Account Savings IncenGves Disbursement individual group default percentage of money received/ spent via M- Pesa default percentage increasing over Gme? manual deposits at M- Pesa agent on scheduled basis manual deposits at M- Pesa agent on random basis baby s health baby s health + interest baby s health + relevant freebies baby s health + social value baby s health + insurance only for designated purpose for emergencies, but with penalty for emergencies, no penalty release mechanism: trusted person for approval
49 we considered many others
50 we talked to the experts Sally Madsen, IDEO Seema Jayachandran, Economics Professor at Stanford Nick Pearson, Jacaranda Health Grant Miller, Professor of Medicine and Economics at Stanford
51 insights from tesgng?
52 we know it s hard to save cash
53 we know it s hard to save cash without spending it immediately
54 we know Rose also needs money for other prioriges like
55 travel schooling for 2 kids food housing family
56 we know women have limited financial power
57 we know women have limited financial power but Kenyan mothers dominate savings circles!
58 we also know that pregnant mothers are uniquely prone to save
59 and baby bank will make that a lifle bit easier
60 Next steps: send final presentagon to the experts who have already helped us out! and other potengal partners:
61 Next steps: send final presentagon to the experts who have already helped us out! and other potengal partners: Safaricom/M- Kesho Health care providers ExisGng NGOs
62 Eventually: tesgng
63 Eventually: tesgng tesgng
64 Eventually: tesgng tesgng tesgng
65 Eventually: tesgng tesgng tesgng of the many features we considered to see what works!
66 thank you the teaching team Joshua Cohen, Terry Winograd & Lucky Gunasekara our collaborators Sally Madsen, Akshay Kothari & the University of Nairobi team
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