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Blagsvedt Sean

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Sean Blagsvedt

10月9日

Sorry: Buy Thursday's New York Times!!!

Here's the link:

IHT.com: Internet revolution reaches India's poor

http://www.iht.com/articles/2007/10/10/asia/jobs.php

 

It’s front page of the Int'l Herald Tribune in Asia and Europe for tomorrow - we'll see about the NYTimes in the next couple hours...

 
8月9日

Moving to babajob!

It's time to let some cats out of the bag. Come find me at http://babajob.com/sean
 
It's basically represents everything my life is about right now - most people don't say that about their blogs.
 
See ya later Spaces,
Sean
4月22日

Video Fun

Bjork + Fiona Apple=Regina.
 
 
4月17日

Xenii

Hmm - I always wondered how a geeky company suddenly gets mad celebs to their parties - xenii. http://xenii.com/flash/corporate.htm 
 
Honestly, it makes me want to never, ever live in Hollywood. I'm friends with people who are some of their clients but man -$10,000/month to go to LA parties is ridonkulous.
3月28日

We've released the MSR India SMS Toolkit

I'm quite excited that we have released our SMS toolkit, allowing anyone with a windows mobile phone and a PC to build an SMS server! Now you too can also send 500 messages on your phone, using just excel. Honestly, I'm quite proud that Vibhore, Rajesh and I have gotten this out with luck we'll see tons of SMS based applications built by small organizations.
 
Read all about it here:
 
Or just get the toolkit here:
3月27日

The Taco Truck is back!

And now it's actually a restaurant. I'm very proud of them. It's basically at the south end of crossroads...
3月7日

sean

I am having a great time in seattle for the month of march. Today i'm working the press at the Microsoft research techfest. Msft folks come see me on Wednesday! sean

1月10日

A vision for mobile banking

In mid December, I went to an interesting rural mobile banking conference in Chennai, organized by Ashok Jhunjhunwala, attended by about 35 people, primarily  various mobile banking start-ups, banks, a few banking regulators and a couple MFIs. About 2/3s of the way through the conference, Ashok posed a question to the attendees “Do we all agree that ideally, any mobile phone user should be able to cheaply, reliably and easily send 500R (~$12) or less to anyone else, simply by knowing their phone number?”  Everyone collectively nodded their heads. “Then what is the regulatory, legal, technical and business model issues that need to be solved to make that happen?”

 

In many ways, the first question really is a great vision – primarily because it’s simple and virtually every major player – tech companies such MSFT and Google, the government, the telcos and the banks – could get behind it and publicly support it in principle – an important and necessary step for the cooperation and legal framework wrangling that will lie ahead if this vision is to be made reality.

 

First, let me state why I think the vision is important (because I’ll admit on the face of it, it seems a little like an obscure wish of telcos and banks hoisted on to unsuspecting phone users).

  1. Why the telcos should care: India, like many emerging market countries today, is in the midst of mobile phone explosion in growth. Through some ingenious regulation that set the network interconnection fees lower between competing telcos (more on that later), a rising economy and vast potential market, India has about 110m mobile subscribers and is adding 5mil a month. It also has some of lowest per user monthly bills in the world – about 335R in November 2006 – meaning that the technology really is achieving the twin goals of reaching many, many people while becoming more and more affordable. It’s a wonderful network and self-enforcing effect that leads to high returns for providers and high quality, cheap technology access for many people. Now compare the number of mobile subscribers in India (110mil) with the number of bank accounts holders with access to digital payments systems such as debit and credit cards – 10 mil. What’s odd of course is that mobile phone users constantly convert cash into a digital form – aka talk minutes – that is meticulously tracked (and in places like Africa traded) just like a currency. The telcos in effect have already setup thousands of nationwide “bank branches” in the form of phone-wallas that collect cash from customers and then “charge-up” their prepaid software accounts.
  2. Why Google, MSFT and other web companies in India should care:  If you look at many of the most interesting web innovations in the last 5 years – youtube.com, myspace.com, 2GB mailboxes, free VoIP calls, etc. – the business model behind many of these was online advertising, whereby new services and content is given free to end users, in exchange for a fraction of them clicking on ads. Clicking on ads in itself is not actually that valuable to the companies who buy ads though (a common myth I’d argue) – the most expensive ads are in fact the ones that result in likely sales when the user clicks on the ads (e.g. google charges about $7/click to online flower delivery companies in the weeks before Valentine’s Day and flower delivery companies pay it because a significant number of people who click on the ad actually buy $50-$100 goods). These purchases occur almost exclusively through digital payment schemes – mostly commonly credit cards. What’s interesting then is that outside of the 7 most developed countries – which also happen to the places where the most number of people have easy access to digital payments systems – online advertising is virtually non-existent (MSN made about $4 mil in ads in India last year on millions of users). In short, one cannot really have an abundance of free, online content and services unless there are willing advertisers, and a country will likely not have advertisers willing to pay enough unless their target customers and actually turn those ad interactions into purchases. Those purchases are effectively impossible – or simply too expensive – unless there are ubiquitous digital cash systems. Ubiquitous mobile banking services could provide this. 
  3. Why the government should care. Cash ultimately is dangerous (it’s easy to steal), decays over time, impossible to trace. Helps overall economic development, enabling the creation of online+delivery only businesses such as ebay, dell and amazon.
  4. Why MFI’s and banks should care: Credit is important because it enables people to bet on their future earnings to make investments in themselves. In developed countries, credit is relatively easy to secure – a combination of enforced contract law, strong unique identifiers such as social security numbers – and via these mechanisms, the actuarial science of determining credit rates is well established. In many developing nations, no such enforcement or user tracking systems exist and thus, the trust systems have tended to be based on local social pressures. A villager borrows money from the local loan shark at high rates and if they don’t pay, their family could be in danger. More benignly, MFIs such as Grameen and Unitus have figured out how to rely on the social pressure of neighbors to keep each other honest and pay previous debts on time. The problem with these existing systems is they are not particularly scalable and still requires lots of handling and transport of cash. Obviously, cashless systems enabled through mobile banking could significant help these issues.

 

(At some point later, I'll flesh out the Philippines as the example.)

 

Towards solutions that might work:

Likely step 1: Enable cheap intra-operator transactions. 

Keeping the money within the system of one telco (or more precisely inside one bank who has partnered with the telco in a rev share arrangement) allows the telco to earn interest on the float regardless of how customers move money around within the system.

From an end users perspective, it’s somewhat annoying but not entirely un-useful. If my family or co-workers are on the same network – either because we’ve bought a family plan or my company has partnered with a particular telco to provide phones/accounts to all their employees, respectively, I can easily transfer money between these folks. From a business perspective, it’s a little annoying because they must maintain phone accounts on several networks but this may be acceptable.

 

Hallmarks of a successful strategy here:

  • Technical: SMS + GSM SIM card based: taking the Philippines as a model, there are advantages in using GSM – with its interchangeable SIMs that work on any GSM enabled handsets, whereby the banking software is embedded into the SIM and then distributed to every phone on a given telco’s network. Messages are then invisible exchanged via telco’s SMS side channel. This has the advantage that the system works on virtually every GSM handset made in the last 5 years, without requiring GPRS data plans.
  • Regulatory needs...
  • End user experience needs to be simple...

 

 

Step 2 (where we’d like to be): Enable cheap inter-operator transactions.

I really do think that the model of cheap call interconnection fees provides a model here. Some history…

 

Enable a system where given a mobile number, a bank, telco or company can look-up the associated bank routing information associated with the mobile number. Thus, if user A (Adam) wants to send user B (Barry) 500R, Adam’s phone company – looks up Barry’s mobile number and receives back Barry’s associated bank routing number. Adam’s phone company – likely with an associated banking account – then deposits money from Adam’s account into Barry’s account.

 

Such a system purposely does not specify any of the technology companies may implement to enable this, nor even which banking systems that could be used (e.g. a given mobile number might have associated VISA/MC and  bank routing accounts associated with it).  It does not need to specify the charges that customers should pay for any part of the chain – it simply specifies that the data look-up to gain associated banking deposit information for a given mobile should be low. There may be significant costs to collect cash and convert it into digital form, just as there may be costs to convert digital cash back into real cash. Each of these are opportunities for new technology solutions and business models – this system just seeks to ensure that the required data to interop between these systems is kept low, so as not create an unneeded price floor on transactions.

 

Such a system could be a centralized DB, maintained by the government or a mobile consortium. It also could simply be a set of standardized interconnection APIs between banks and telcos.

 

What else is needed:

  • Regulatory concerns
  • Everything else...:)

Hopefully, I'll more to say about this in the coming months and weeks - I find it to be pretty interesting space with lots of potential.

The iPhone

 

My thoughts:

1.       It’s lovely but damn expensive. Apple has done what they do well and created a high-end device that really pushes the envelope and UI very well. On the down side, I actually really got annoyed at all the sanctimonious BS (and “the opposite of terrorism” comment) around the device – curing diseases, providing better educational opportunities, etc. – those things really help the world – not making a better ipod for really rich people.

2.       I’m pretty skeptical that they will do that well in the first year. $499+ a 2 year contract exclusively on Cingular means that unlike the ipod, no one’s getting this as a gift.

3.       No keyboard is going to make typing REALLY hard.

4.       The lack of Exchange syncing is frankly weird. It basically implies that everyone who buys a smartphone today – like me and all those blackberry users – can’t use this phone. I basically ONLY have a smartphone to back up my contacts (so that when I lose my phone, I still have every contact in Outlook without ever having to connect my phone to a PC) and have my calendar always available (and read mail) – the first 2 features you can’t do on the iPhone. In particular, before I had calendar syncing I would constantly doublebook people on the street whenever I made plans. My phone essentially solved that problem for me (and the embarrassment that it created) and I’m not going to give that up.

 

All that said it’s beautiful and I’d certainly still love to try one for a while…

10月8日

Nov 06 US Trip Itenerary

I've got another States trip coming up but it's short. Give me a holler if you wanna meet up! 

 

Monday, November 06, 2006

Leave India

Tuesday, November 07, 2006

arrive in Brussels

Wednesday, November 08, 2006

Brussels

Thursday, November 09, 2006

Brussels

Friday, November 10, 2006

arrive in NYC

Saturday, November 11, 2006

NYC

Sunday, November 12, 2006

NYC

Monday, November 13, 2006

Seattle

Tuesday, November 14, 2006

Seattle

Wednesday, November 15, 2006

Seattle

Thursday, November 16, 2006

Seattle

Friday, November 17, 2006

Seattle

Saturday, November 18, 2006

Seattle

Sunday, November 19, 2006

fly to India

Monday, November 20, 2006

back in India

 

Interesting thoughts on the One Laptop Per Child

I liked this post a lot and it sums up many of my thoughts on how to approach the technology space in developing nations. The importance (and with it need for innovation) of network access price reductions, local language availability and education can't be understated. Not coincidently that happens to be the focus of much of the work at MSRIndia's Tech for Emerging Markets group. (http://research.microsoft.com/india/)

Sean

From
Robert B. Kozma, Ph.D.
Emeritus Director and Principal Scientist Fulbright Senior Specialist Center for Technology in Learning SRI International
-----------------------------------------------------------------

Hi all,

It was great seeing you at AERA. Several of you asked me to elaborate on my $100 laptop comments during the Future of the Learning Sciences session. I¹ve copied some others on this email who may be interested in this issue but were not at the session. Please feel free to pass this along, if you think it would inform a healthy debate. I would be interested in your thoughts on this topic.

My own interest in the issue of technology and development comes out of my work during ³retirement² in developing countries--my consultation with NGOs and ministries of education on how ICT can support education reform and, more importantly, my research in eastern Africa. I spent a month last year looking at how community technology centers in rural villages in Uganda, Tanzania, and Kenya are supporting economic and social development. It was a paradigm-altering experience for me. Having worked at SRI for 10 years, the starting point of my work has been that by enriching classrooms, schools, homes, and workplaces with advanced technology one can positively impact people¹s cognitive, social, and cultural practices. I suspect that this is Nicholas Negroponte¹s starting assumption, as well. But after spending a month in rural African villages studying their needs, constraints, and technology practices, my assumptions have changed and I¹ve come to very different conclusions about technology and development than has Professor Negroponte.

At a recent Linux conference, Negroponte shrugged off criticism of his one-laptop-per-child program by saying that if ³Intel and Microsoft are on your case you must be doing something right². Like Negroponte, I believe the criticisms of Barrett and Gates are off-target. The problem with the $100 laptop solution is not what processor or operating system it uses, nor whether it has a hand crank or foot pedal, or lacks a hard drive, or has only a 7 inch screen, or only a 500 MHz processor. But neither do I believe that Negroponte¹s conclusions are on-target. The factor limiting development in poor countries is not the cost of computers or even their general availability. Poverty is a systems problem, not a hardware problem. There are multiple, interconnecting factors at the root of poverty in developing countries. Focusing on the cost of hardware does not solve the problem and even diverts us from the real solution. There are four reasons why I think that the emphasis on the $100 laptop is a digression:

1. Access to information is more important than access to equipment.
The primary need of rural Africans is access to knowledge about
crop inputs, markets, nutrition, clean water, and safe health
practices. A proliferation of laptops will not address these
needs, particularly since there is very little information
available in digital form that is most useful to rural communities
and in their local languages.
2. Fundamental changes are needed in the education system. Most
schools in developing countries are still based on dated, colonial
education systems design to prepare a very few native people for
positions in civil service. During much of their primary school
education, students are in classes of 70 or 80 memorizing facts
meant to prepare them for the high stakes exam that will allow
entry into secondary school. However, in rural eastern Africa only
nine of ten students make it into secondary school, mainly because
they cannot afford tuition and school uniforms. Consequently, 90%
of the children in these communities leave school without the
skills needed to improve life in their villages. Ubiquitous
computing will not change this situation.
3. The cost of Internet access is far higher than the cost of
computing. The limiting technological factor in rural eastern
Africa is not computer access but Internet access. For the most
part there are neither electrical lines nor phone lines. Beyond
this, there is no fiber optic backbone to the eastern part of the
African continent. Nor will there be one until late 2007, at the
earliest. Currently all access to the Internet is via satellite.
The current setup fee for a satellite dish is close to $2000; the
monthly tariff is between $200 and $400 for 64 Kbps bandwidth.
4. Inexpensive computers are still expensive when you consider that
most people in Africa live on less than $2 a day. The laptops will
not be given away; they will be sold to governments. Even at $100
(the actual price is expected to be $135 until 2008), their
purchase in massive numbers would be a huge burden for developing
countries. Let¹s take Kenya as an example. There are approximately
7 million primary and secondary students in Kenya. If the
government was to take Negroponte seriously and purchase a laptop
for each, that would be $700 million. This would not only be a
huge drain on the national budget but all of this money would
leave the country. This would be a huge economic hit on a country
whose GDP is about $14 billion (the ³GDP² of the State of
California is $1.5 trillion) and whose total education budget is
less than $1 billion. Of course, they could always borrow the
money from the World Bank, but then you would have to figure in
the interest on these loans, too.


One laptop per child is too simple a proposal for the complexity of the problem of poverty in the developing world. Unfortunately, it is sucking up all the air in the room. Might it be more effective and less expensive to provide each teacher with an inexpensive computer? Or even each village with a computer? Wouldn¹t it be better to have enough money left over to train teachers in contemporary pedagogy, to revise curriculum and assessment approaches, and to provide more affordable access to the Internet? Perhaps other technologies might do as well, or better, at providing villages with the information people need. In most of the telecenters I visited, multilingual staff members used a single computer connected to the Internet to access information (usually in English); they transformed this information in language and form, in response to local needs; and they used inexpensive, low-wattage radio transmitters to provide villagers with information to help them improve their crop productivity, health, sanitation, water safety, and literacy.
In such a situation, wouldn¹t it be better to provide each family with an inexpensive, hand-crank radio receiver and a neighborhood cell phone which could be used for interactive community broadcasts that draw on Internet resources?

But let¹s not start with the hardware. Let¹s think systemically about what people need. I have to think that as a discipline, the learning sciences must be able to come up with a more elegant proposal than OLPC to address the needs of developing countries. After all, we are a discipline of educators, psychologists, sociologists, and anthropologists, as well as engineers.

Bob

________________________________

Robert B. Kozma, Ph.D.
Emeritus Director and Principal Scientist Fulbright Senior Specialist Center for Technology in Learning SRI International
10月5日

Emerging Markets don't imply new computing platforms

Below is an article that's typical of many I see around tech for emerging markets - read my critique at the bottom.
 

 

http://www.technologyreview.com/read_article.aspx?id=17421&ch=infotech

http://www.technologyreview.com/tr35/Profile.aspx?Cand=T&TRID=473

Imagine for a moment that you have one chance to pass a driving test; if you fail, you can never reapply for a license. You ask for the material you will be tested on and are told you can see it only briefly, peering over someone else's shoulder. No one has trained you to operate an actual car. And when it is time to take the test, you are blindfolded. The result will, of course, be catastrophic.

This isn't a bad analogy for the challenges facing a typical African elementary- or secondary-school student, even though most world political leaders and development specialists agree that the future of African nations lies in education. African schools teach toward set exams, which determine who passes and who leaves school. It is a system that does not foster much creative thought but in its own way ensures certain standards. Or would, if access to educational materials were equal throughout all schools.

But it is not. Educational materials are expensive to print and to supply to remote rural schools. Senegal is typical: school textbooks cost two to three times what poor families can afford, so only one in five students receives them.

There is an alternative. Using digital satellite radio to connect to a content distribution network, students could download new material--as soon as it becomes available--to small handheld computers recharged with solar power or crank chargers. Then they could take it home to read at night, on a backlit screen, even in homes without electricity. That is the technology my company, EduVision, has been developing for the last two years.

Not only would such a distribution system get more, and more current, material to more students, but it would also introduce students to an important new approach to learning and working. Students who compete throughout their school years for top ranking will not be prepared for workplaces where collaboration is becoming far more important. An electronic environment for group work--a textbook wiki of sorts, in which students around the world can compare notes and share information--could teach collaboration at the same time that it teaches academic material itself.

In the future, students in schools throughout the developing world will communicate and interact to solve problems and complete assignments. They may be in the same class or school, or they may be in different countries. They may never meet in person, but they will form close connections and learn to work in teams. They will also have access to vast libraries of content where they can find solutions, answer questions, and explore the life of the mind.

Matthew Herren is founder and chief technology officer of EduVision, an e-learning company based in Zürich, Switzerland. He is also one of our TR35 winners. Here's his TR35 profile.

Sean's thoughts:

I agree with the identified problem but the technology solution seems very heavy and expensive to pull off.  Why not just use phones with GPRS? Or simply make the textbooks available as PDFs or HTM files on a website that can be consumed on a  PCs, existing handhelds, phones, etc.

 

This is a flaw I see in too many tech for development plans – new needs for content or communication in EMs do not necessarily imply building an alternative telco/computing infrastructure.  And yet there are many examples where this connection has been made (e.g. nLogue’s cordDECT, India’s strictly satellite based telemedicine system, Simputer). Furthermore, these plans ignore the basic fact that most content companies (news sites, television show makers, etc.) are NOT companies that are also run by EE majors, spending lots of time dreaming up new communications infrastructures. In other words, Intel does not make movies; cnet does not worry about communication protocols (it just builds on HTML); the telcos have shown us how notoriously bad they are at providing content.

 

Furthermore, if a company really hopes to build a low-cost and yet reasonably powerful computing solutions, the only real way to lower the chips costs at the fab is to get the volume into the millions, ideally the tens of millions (hence the fast that not one $100 laptop will be built until Negropointe gets 5 mil confirmed orders).  The only devices at this stage that have that 10s of millions scale are mobiles, TVs, DVD players and standard PC components.  In my mind, this implies the world should be building EM solutions on top of these existing infrastructures – phones and networked PCs – or at the very least building solutions that still leverage the scale of components built for these larger device markets (e.g. the TiVo’s use of standard PC hard drives and a simple PC board to build a dedicated device, the iPod’s use of Toshiba’s small laptop harddrives, etc.)

9月2日

Recent presentations

In an effort to bolster my international reputation, this site will proudly feature....some links to presentations I've given. Seriously though, I've been meaning to do this for ages and I hope you like the talks. If you've got questions just post 'em as comments.
 
Here's the talk I gave recently at FooCamp06. "What's Web 2.0 Got to do with Poor Folks? Tech for Ecomonic Development"
 
Another that I gave recently at a SIGCHI meeting we hosted at MSRIndia in Bangalore: "You Look Good To Me: User Centered Design from a Social Perspective". I've been talking about this subject inside Microsoft for about 3-4 years and it was great to finally get to present it on outside MSFT too.
9月1日

Sony mylo = Dumb

Hmmm. This released this couple days ago. It's essentially a little memory stick based mp3 player, with a slide out keyboard and wifi.
 
Reasons it sucks:
* No GSM - what's the point of a texting device if it does not work everywhere?
* No harddrive - what's the point of a big movie/music device if the most you can put on it is 4GB?
 
 
8月26日

Foo Camp Day 0

I arrived yesterday evening at this strange little conference in Sebastopol and I must say, I'm impressed by the invite list:

Philip Rosedale, CEO - secondlife.com who I'm very proud to report, confirmed my guess that the security model for running uploaded user code is essentially geographic, with each of their 3400 servers running a given virtual geographic region in the game. He told a great little Snowcrash moment when he literally drew a little firebreak around a self-replicating virus that was creating spheres in the world spreading like wide-fire and infecting adjacent servers. The thought of a huge red infected cube the size of a city is just amazing vision.  In any case, I really liked Philip.

Tim O'Reilly (the eponymous book-publisher), who's interested in doing a FooCamp in India and mentioned doing a collaboration with MSRIndia to help make it happen. This could really be a wonderful opportunity.

Dave McClure - Director of Directors at Unitus - one of the largest microcredit NGOs. Yes and I made fun of his funny title (Do you make meta-movies?)

James Fruchterman - President of Benetech - these guys are very interesting and are the biggest software vendors to Human Rights groups, NGOs. There may be some interesting opporunities to work together with MSRIndia.

David E Calkins - he makes the Hitec robot, was sleeping across from me and had a home-made, flame-throwing robot. Awesome, awesome, awesome. I'm trying to take some home to India with me.

Other cool folks I haven't yet talked to: Ray Ozzie, Jeff Bezos, Founders of digg.com, plus many, many others.

PS. Here's my session abstract for today.

Software for Social and Economic Development- there are widespread stories about the economic and productivity benefits that mobiles have brought to many parts of the developing world. Largely, this has been outside the realm of "Web 2.0" technologies that have largely focused on technologies that require users to have fat connections, read English, own their computer and usually live in America. What can this community do to accelerate the economic development of the world? Some thoughts to explore: How we build systems that enable the creation of strong credit models and agencies in places such as Africa and India where weak governments don't issue unique identifiers (e.g. Social Security numbers) that form the basis of organizations like Equifax and thus allow easy extension of credit? The micro-credit folks are screaming for solutions here. Another, how could social software systems begin to better model trust relationships among poor villagers? What can we do accelerate the convergence of web payment technologies, pre-paid mobile cards and VISA-based debit card systems like the Philippines, enabling person to person digital cash transactions & the ability to make international purchases via standard credit cards? In any case, I think there's a ton that this community can do to push forward this area, and honestly there's likely billions to made in the process over the next 5 years. <a href=” http://research.microsoft.com/research/tem/default.aspx”>Sean Blagsvedt</a>

 
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2 月 15 日
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12 月 18 日
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