Uber for ambulances. Why most Africans can’t call 911 and how Flare solves this, with Caitlin Dolkart

Overview

There are some ideas that, when someone tells you about it, your first reaction is surprise that there even needs to be a business

I had this reaction about Flare, which is improving how people get access to emergency care in Kenya.

Described as “an Uber for ambulances” it is consolidating the 50 companies that exist in the country so that there is one place for patients to call to get fast emergency care.

Essentially making a something akin to 999 (or 911 in the US).

We discuss the current state of the emergency healthcare market across Africa, the stepped process in which they are deploying the app and educating the population that this is a service that can actually exist.

It’s one of the most interesting conversations I’ve had and so I hope you enjoy

 


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Here are some of the key quotes:

“We saw a supply and demand imbalance”

Working in healthcare across Africa for several years, my co-founder and I saw a need to bring people closer to the sparkling new hospitals that are being built in the region.

“Our first focus is emergency response”

In Kenya, and indeed across the region, there is an abundance of ambulances

“There is no equivalent of 911”

Each of these private healthcare companies exists independently and has its own unique phone number. There is no centralised number to call.

“It takes 2 hours to get an ambulance”

Whereas in New York its 7 minutes. Flare is here to really improve upon this latent inefficiency.

“Most people don’t even consider calling an ambulance”

The process is so painful (identifying location, negotiating price…) that people will typically call their friends, a taxi, or other means with which to get them to a hospital.

“The ambulances look similar”

They have sirens and can overtake traffic and contain all of the supplies that are typical in an ambulance in the UK or the US.

“Ambulance companies are for profit”

They look to generate revenue from the call outs they make to cover their costs. Though in 20% of the time they will take someone in, say, a roadside emergency and not charge.

“$55 per trip”

The cost of a trip in an ambulance is between $30-$100. The spread is owing to time to get there, but also the sophistication of the equipment in the vehicle.

“Flare with stitch together all of the companies”

Right now there are 50 different phone lines. As a customer I would contact the nearest ambulance to me.

“Customers will download the app”

The main benefit for this is the geolocation of patient. It makes things easier in terms of matching with the closest ambulance.

“Flare is for profit”

We will take a percentage of each trip. Right now demand is really suppressed and so we think that by creating a better user experience, we can really grow out the market for emergency care.

“We see a public-private partnership”

At the moment, the state doesn’t have the resource to offer this service. Flare are carving out the portion of society who can pay for the service with a view of extending it later, probably with the help of the government.

“To start, it will be like Uber on the back end”

Our first phase in rolling out Flare is to manage the behind the scenes logistics of deploying the correct ambulance. Patients will still have the same experience, but things will be more organised.

“India does something similar”

The benefits of launching in a developing market is that there are no existing systems to compete with. You not need to unwind current behaviours, you can jump straight to the solution.

“It’s not just Kenya”

The market structure of many small ambulance companies (where Flare gives most value) is present across other sub-Saharan countries, meaning there is a room to expand.

“You need a neutral stitcher”

Having no affiliation to a particular ambulance company means that Flare are in a good position to be organisation to consolidate the players in the industry.

“No one realises there could be a better way”

From customer interviews I’ve been surprised to see people think through how they would be get to a hospital in an emergency. People don’t think it’s possible to call an ambulance.

“There are ways to shortcut people using the app”

It could be in terms of educating people, or having the app pre-downloaded, or linked to the “Emergency” features that many smartphones have in-built.

Social Media Follows etc.

Blog: blog.capsule.co.ke

John Oliver on 911:

Inuka Pap uses mobile money to help low-income savings groups, with Waweru Kuria

Overview

Cash is risky business, and in Kenya, mobile money is big.

People living in rural areas are liable to have their life savings lost if it is kept under the mattress.

Many engage in lending co-operatives whereby a community organisation acts as a bank for people who need money in an emergency.

This is, however, pretty archaic and inefficient meaning people can’t get instant access to cash when they need it quick.

Using a digital platform that connects mobile money to these rural co-operatives, Inuka Pap is making it possible for people to get access to the funds in an instant.

Waweru and I discuss what the lending landscape looks like, their social mission of providing free insurance, and the blurred lines around whether they themselves are a bank or not.

As a side note, the day after I interviewed Waweru he pitched Inuka Pap at Seedstars, a global start up competition, and won the title for Kenya! You’ll see that he has knack for storytelling.

Also, a car alarm goes off in the background right at the end, so apologies for that…

In any case, I hope you enjoy!

 


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Here are some of the key quotes:

“The dream started many years ago”

I have always worked with ways of improving people’s lives, through churches and other organisations. Inuka Pap started properly in January 2016.

“We don’t save money in banks”

In rural Kenya, where I grew up, people do not put their money into an actual bank account. Instead there are savings co-operatives (SACCOs) which communities are a part of.

“Getting a loan took 2 days – 2 weeks”

In a moment of needing a loan, it would take time to actually get the cash you need. This is due to the logistics of issuing cash and travelling to the SACCO head office.

“Inuka Pap means…”

Rise up, instantly.

“Our platform does mobile money for lending co-operatives”

Mobile money penetration is >90%. The infrastructure works whereby even in deep rural areas, someone who is sent money can withdraw cash from a kiosk and pay for services immediately.

“We don’t deal with who gets what”

Co-operatives are in the business of knowing how much each farmer can and should receive. Inuka Pap isn’t directly involved with who gets what, it simply makes the payment of these transactions much more efficient.

“A cash environment is risky”

When people keep physical notes stored in their house for emergencies notes are liable to go missing to drunken husbands or hungry rats. It also makes it harder to get a credit history with the co-operative because all of these savings are kept centrally.

“People don’t care about Inuka Pap…”

They care about their co-operative. Once the co-operative uses Inuka Pap individuals feel comfortable accessing their money much quicker.

“Our user base is now 12,000”

In less than eight months. Many individuals are using the service through their co-operatives across the country.

“Some co-operatives have been around for hundreds of years”

For example one that is based around a coffee planting community. The running of these co-operatives has been in the family and so they are deeply set on how to run them and are very comfortable with how they live. This means they are less open to Inuka Pap, at first.

“Small co-operatives take it up quickly”

They are less set in their ways and are generally forward looking when it comes to running their co-operatives.

“We are paid 15% of what co-operatives make”

Co-operatives make money on the interest that they charge to individuals. Inuka Pap earns 15% of this amount.

“The loans are high interest”

They’re not for 12 months but instead are more like a 30 day emergency loan. Being through a co-operative, all of the money goes back to the group which has benefits.

“There are 16,000 co-operatives”

Serving 13 million people. And so we are confident that the market size is massive.

“After 5 million people we’ll move out of Kenya”

There is pent up demand not just in Kenya but also around the rest of sub-Saharan Africa. We’ll move on there afterwards.

“Talent is tough”

Attracting the right people to work at the company is difficult. Our CTO works remotely from South Africa.

“We’ve kind of made our own co-operative”

Individuals can access loans directly through our app which, because we own the money being paid back, is pretty profitable.

“Direct savers can get free medical insurance”

Using the retained revenue we are paying for users of the platform to have free medical insurance. We’re the first in Africa to do this.

“A lot of businesses fail because someone got sick”

In an emergency when a family member has to go to hospital the only way to access funds is to take capital out of the small business that someone runs.

“Are we a bank? No idea!”

We think of ourselves as a platform that helps people save and access money. The government are on our side, but we’re not sure whether to consider ourselves a bank or not.

“There’s a big opportunity to partner with telcos”

In every country the mobile providers are looking to push their mobile money platforms. If we can have close ties with these services then it can get Inuka Pap to a wide ranging audience very quickly.

“We are good to learn from others”

At Inuka Pap we are very open to feedback and are wanting to learn from others. If there are individuals or organisations who want to come to the office and show us what we can do better, we’d love to hear from you!

Social Media Links etc.

Website: www.inukapap.co.ke

Twitter: @inukapap

Email: [email protected]

Inuka Pap wins Seedstars Nairobi

Creating linkages in agriculture to improve farmer incomes, with Maria Biswalo from Ninayo

Overview

A big issue in Tanzania, and indeed the rest of East Africa, is connecting agriculture buyers and sellers.

The fact that produce goes bad because it can’t find a buyer is a real problem
in terms of the incomes that farmers can receive.

Ninayo is a marketplace where farmers can list their produce, giving buyers a place to search for goods.

Maria and I discuss how the marketplace is being built, the plans for making revenue and how they are using Facebook to their advantage.

We were in a cafe and so at some point you can hear people in the background. We’ve done our best to edit this out, but apologies if you find it distracting.

 


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Here are some of the key quotes:

“We’re an online trading platform for agriculture”

It’s about connecting food supply and demand for the people of Tanzania. There are avocados going rotten in some parts of the country and people paying high prices in another. We are the bridge between them.

“Farmers are already seeing better prices”

People are using the platform and having the connection between buyer and seller has meant many are getting value from transactions that were previously costly.

“You access via your smartphone”

Farmers log on to the website, or through Facebook, and then follow the steps through to listing the produce that they have.

“We’re pre-revenue”

At the moment we just put people in touch with each other for free. In time we will look at ways to extract value from the arrangement.

“There’s a big discrepancy…”

In what is being produced, and what is reaching the market. A lot of produce is going off as it can’t find a buyer.

“Currently it’s middle men”

The main route between buyer and seller is to go direct, or to a middle man who has power over what price they will buy at which often means farmers lose out.

“There are different means of monetising”

One could be to take a percentage of the sale. Another could be to sell the data that we’re collecting. Also advertising agricultural products.

“The service is developed in San Francisco”

I am currently heading up the operations in Tanzania, with Jack the founder relocating out here in the new year. The tech team are based in San Francisco.

“A partnership with Facebook means it’s free to go on our website”

The internet.org project means that access to Facebook is free from a smart phone, even if you do not have a data plan. Ninayo has just been accepted as one of the “Free Basics” meaning there is no cost to visiting the site.

“Tanzania has good infrastructure…”

… but not the services. The government is looking to help push services which can help the country develop, such as Ninayo.

“Our funding comes from Expa Labs”

Their remit is to help startups that are improving livelihoods through access to technology.

“Trust is key”

Similar to anything that involves a behaviour change, people need to be able to trust what they’re doing. We need to make sure that farmers and buyers feel that they can rely on the Ninayo platform.

“Ninayo means ‘I have it’”

In a marketplace “Does anyone have mangoes?” “Ninayo!”. I have it, come get it.

Social Media Follows etc.

Internet.org: (Facebook’s Free Basics)

ExperLabs: programme details

Website: www.ninayo.com

Facebook: Ninayo

Game-changing technology that allows those with low-income to purchase goods on credit

Overview

If you don’t have much money there are lots of things that you can’t buy.

This might sound simplistic, but in a country where a high proportion of the population have low disposable income it means that, as a manufacturer of products, there is a huge number of people who you can’t access.

Unless… you could just give it to them have them pay you back over time.

This is the opportunity that Angaza has seen, and they have developed a software platform to allow manufacturers to switch off devices if credit payments aren’t paid.

Doing so puts products in the hands of people who otherwise couldn’t afford it.

Lindsay is the Head of the Africa office and we discuss the history of the company, considerations for giving products on credit and applying their technology to a range of different products.

It’s also similar, but different, to BBOXX who featured on an early episode called “Solar Systems”. You might be interested in listening to that too.

 


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Here are some of the key quotes:

“Angaza is focused on Pay As You Go”

The challenge we’re looking to address is how to provide solar products on credit so that people don’t have to pay them completely upfront which blocks out a lot of the market.

“A software platform for PAYG products”

We began with a solar powered lamp and soon felt that the real value comes from being able to allow other manufacturers the ability to offer their products on credit. We partner with manufacturers and distributors.

“25,000 loans already”

This has come from working with 5 manufacturers and 30 distributors

“Everyone becomes a customer with PAYG”

If companies are only able to sell their products for cash they can only access a small percentage of the market. Angaza helps to grow the market.

“We can switch off products”

Using a broad range of technologies a device can be remotely switched off if, say, payments have not been made.

“Our partners pay us a licence fee”

In exchange for building PAYG products for manufacturers and distributors they pay a fee.

“The idea of credit has been around for a while”

Microfinance Institutions (MFIs) have been long been providing credit for an end-user. Traditionally once a loan has been given to an end user, the person is repaying the MFI and not the distributor.

“Tracking with pen and paper is tricky”

It’s laborious to can track of end users paying back for a product, especially as it will work regardless of whether the person stops paying back or not.

“Our innovation is switching off small devices”

A lot of the devices which can be turned off remotely are the larger solar home systems. Angaza has developed proprietory technology to bring this capability to a small solar lamp too.

“Angaza integrates with mobile money”

We can automatically switch off a product if a payment is behind based on whether payments have come in, such as with M-Pesa.

“Pay As You Go is a new space”

It’s far from obvious what is the best way to go about building a system for a PAYG product. We have a good idea, but haven’t yet written a bullet-proof playbook for manufacturers and distributors.

“It sometimes takes longer to payback”

Most people are paying back, but I have seen it taking longer than expected. This is for a number of reasons (head to 22:00).

“Is it Pay As You Go?”

Often it’s actually a fixed term loan and so that can cause some confusion. “Product loan” and “Lock out loan” are alternatives.

“We translate to local languages”

The founders speak English but we’ve designed the software and the platform to the language which agents are speaking.

“Considerations of connectivity”

The product offferings need to be related to the type of telco connectivity that exists in the environment of the end user.

“Angaza means enlighten”

In Swahili. Which was important for the founders in their starting market.

Social Media Follows etc.

Website: www.angaza.com

Facebook: Angaza Design

Twitter: Angaza Design