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Mobile Banks in the Developing World Prove Simpler is Better - O'Reilly Radar
there's a PDF file available
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Recent initiatives designed to make U.S. consumer financial products simpler and intelligible to customers, reminds me of a study we did on Mobile Banks† in the developing world. Designed to work on the simplest mobile devices and originally targeting the unbanked, mobile banks evolved from simple services (transfer of mobile air time) to become widely used money-transfer and mobile payment systems. In the Philippines, over $100M flows through the GCASH system daily. GCASH and rival SmartMoney are accepted in establishments that take credit cards, giving the unbanked the ability to conduct cashless transactions, a benefit previously limited to credit card customers. In Kenya, the number of transactions that flow through M-PESA is comparable to the number of all ATM transactions in the country.
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A key observation we gleaned when we studied Mobile Banks in the developing world is that the most successful services not only have easy-to-use products with low transaction fees, the terms and fees involved are spelled out clearly. The financial products they offer are by design easy for consumers to understand. A recent CGAP survey found that 1 in 6 mobile banking users in the Philippines previously had traditional bank accounts, and 7 in 10 viewed mobile banking services as easy to use.
Mechanical Turk Best Practices - O'Reilly Radar
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In the past, we've turned to Dolores Labs when we needed (machine-learning) training sets and were unable to quickly find reliable ones. To increase the quality of the output we receive from turks, we try to get multiple turks to perform an individual task and aggregate their work into a single answer. (We jokingly refer to this as the wisdom of micro-crowds.) Working on problems quite different from the ones we tackle, the first set of speakers presented research results confirming that this form of aggregation actually works. Rion Snow of Stanford's AI Lab presented results that suggest that for a large set of tasks, the aggregate work of 4-6 turks compare favorably to the work of a single (domain) expert. Working primarily in the area of NLP and computational linguistics, Bob Carpenter of alias-i presented similar results when evaluating turk-generated against gold standard training sets. (It's hard enough when turks disagree, but as Bob Carpenter highlighted, disagreements among experts makes it difficult to arrive at a gold standard.) Bob has found that in certain situations an iterative approach works best ("code-a-little", "learn-a-little") and tools that allow you to start suggesting "answers" to a new set of turks would help immensely. Coincidentally, one of the speakers presented a toolkit that allows users to do just that: Greg Little's TurKit is a JavaScript API for running iterative tasks in mechanical turk.
Another set of speakers talked about the emergence of mechanical turks as a research tool. Social scientists Aaron Shaw and John Horton spoke of favorably of their experience using turks for research experiments in economics and paired surveys. Among other things, they've conducted studies on the turk labor market by testing demand for tasks of varying difficulty (something Bob Carpenter also talked about), and by evaluating demand for follow-on tasks at lower wages. Alexander Sorokin of UIUC, presented work on using turks to annotate training sets for computer vision and robotics. For those interested in using turks to annotate images, Alex has a toolkit ready to go.
For most users of mechanical turk (us included), it has become an API call that fits smoothly within their workflow. (Or as someone at the meetup wryly suggested, turk is a Remote Person Call.) The last pair of speakers, Lilly Irani and Six Silberman, reminded us that behind mechanical turk lies thousands of workers† ("the crowd in the cloud") working without (health care) benefits, oftentimes at extremely low hourly wages. Irani and Silberman suggested that rather than abstracting mechanical turk services as mere API calls, users should start thinking of the plight of the turks ("Mechanical Turk Bill of Rights") behind the service. As a first step they have a released a Firefox plugin that aims to narrow the information assymetry between turks (those performing tasks) and requesters (those posting tasks). While requesters can see ratings for turks, requesters aren't rated: Turkopticon lets turks rate requesters. They need more turks to download and start using Turkopticon, so if you know any mechanical turks please enourage them do so.
Mechanical Turk app on the iPhone Provides Work for Refugees - O'Reilly Radar
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Mechanical Turk service provider CrowdFlower† and microwork non-profit Samasource have teamed up to make their services available to iPhone users. Users of CrowdFlower's mechanical turk platform can now opt to send their tasks to iPhone users. Previously, CrowdFlower users could choose between Amazon mechanical turks or CrowdFlower's stable of turks.
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The Give Work iPhone app takes tasks (created by real companies) and sends it to iPhone users who volunteer to complete them. Meanwhile, workers in a Kenyan refugee camp perform the same tasks using CrowdFlower's regular web interface. In essence, Kenyan refugees work to increase the accuracy of the results provided by the army of volunteer iPhone mechanical turks. In a previous post on Mechanical Turk Best Practices, I highlighted recent research that suggested that for a large set of tasks, the aggregate work of 4-6 turks compare favorably with a single (domain) expert.
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charity: water's Lessons for Winning at Twitter | techPresident
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The organization charity: water (the colon is silent) said at an event last week that they had managed to become the first non-profit to break one million followers on Twitter. That indeed seems to be the case, and by a good margin. Even the well-known ONE, most closely associated with Bono, was hooting just yesterday about breaking a measly 100,000 followers on Twitter. And the Red Cross, LiveStrong, and the American Cancer Society all have a fraction of what even ONE has.
Sustainable Development with Leila C. Janah, CEO of Samasource | 3BL Media
http://www.facebook.com/search/?q=samasource&init=quick#/samasource?ref=search&sid=696397913.1032581089..1
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Our goal is to empower the world’s untapped talent by giving disenfranchised individuals, from refugees in Kenya to women in rural Pakistan, marketable skills and connecting them to the global marketplace for services.
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Our core belief is that work and opportunity are the keys to development. Samasource enables that by generating microwork: tasks that can be completed from any location in the world, as long there’s a computer and internet connection. This kind of remote labor adds up to a real livelihood in many places of the world, where a doing simple tasks can generate as much as 10 times the local average wage.
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