Mi so pričo, da boš se vzelo z tem, da možem možem, bo, da je Andreja, svoje operejtori, je občasno, telekom operejtori, je všeško svoje investovati, začutimo to je operejtori, da se občasno vozi v tem, da je zamah za operejtori, Whether we can tell operators to witness a true change in to strategic directions and DNA, if I may say. One of the areas that are considered to be an innovation for telecom operators is mobile money. If you can't categorize, you are entrepreneurs and startup companies and you know very well, we can have three types of innovation. Innovation by accident, innovation by exploration and innovation by necessity. We are here talking about the third type, which is innovation by necessity. We find something that is needed, that is pushing into the market. The end user is willing to use this type of services, which is mobile money. So, I will be going with you quickly through different cases in different countries around the world. How this model exists and what is done by the telecom operators so that usually, usually any business model there is always one missing circle that is waiting for you as entrepreneur to come in and continue it so that you can see the massive growth of your business. So, we'll start about concept ecosystem cases, the case of Qatar regulatory and policy aspect and finally the security one.  This is the dream that we are witnessing today. Ten years back, we were not using the mobile device the same way that we are using it today. So, when we are talking about the power and the impact of digitization across several sector, finance, government, education, health, transportation and energy saving, the Samina Council conducted two years back a detailed study about digitization across ten different countries where Qatar is one of them. And you can imagine the numbers here in the cumulative economic impact only in Qatar by 2020. It will have a GDP impact of 48.8 billion US dollar. It will create 46,000 new jobs, 17,000 new businesses and it will have its impact on the energy saving of an amount of 253 million US dollar. Simply, we named this study as SMART, Samina SMART stands for Sustainable Innovative Secure ICT Sector, M for Managed Risk Mitigation, A Advanced ICT Capital, R Regional and Local Collaboration and T is Tracking and Monitoring Mechanisms. These are the five main pillars that if we succeeded to met them, we can ensure that we have a truly digitized society and we will all witness this impact on the economy and job creation. Well, coming to the topic of today, which is mobile money, if we look at the bank, the physical bank that we are dealing with today, you have a bank account and you are dealing with your bank having different type of services. The idea of mobile money or the transformation of these financial services from the physical real world into the mobile ecosystem is what we are talking about today. So you will have all your services in terms of creating an account, applying for a loan, paying your installments, paying your credit card bills, even making third party payment, paying your water and electricity bill, et cetera. So all these services that you can imagine that you are doing physically with a bank, you can easily do it from your mobile device. So in addition to that, we are talking about transfer. So we are using the mobile phone to transfer money and make payment simply. Services like P2P transfer, bill payment, bulk payment, merchant payment, international remittance, which is very interesting part in the GCC countries due to the massive number of experts who are living here and the amount of money that are transferred back home are enormous. So if you succeeded to find a way into tapping into this industry and find where to innovate, revenues will be massive. So the service relies heavily on the network of transaction as we mentioned outside the physical normal bank that we are saying. Customers are able to use a service without having been previously banked. And again, this is another edge for this service because in developing countries, the amount of unbanked population, and this we will see later on on the success stories of mobile money in different countries, they succeeded because they served unbanked population. This is where the need is. This is where the hunger is. They don't have bank accounts. They don't have sufficient monthly income to open a bank account. So if you go to them and use your mobile device, which for sure is not a smartphone device with a simple phone, you can say send messages or SMS, you are targeting this sector of clients that are hunger and waiting for your service. And so the ecosystem is again consists of different players and we will go through them in details at a later point. We are talking basically here about subscribers and merchants, banks, financial entities and institutions, technology providers, operators and mobile money agents and on the top players, the government and the policy makers. If you have a quick look about the amount of business opportunity in this area in numbers, so end of 2013, which is almost like one year and few months back, we have globally 61 million users who are using mobile money services. They are using it over 219 services over 84 countries. A study by the World Bank clearly believes that this number of users will jump from 61 million to 2 billion by 2020. And here in the below graph you will see that in our region here, the Middle East and North Africa, it only comes at the second layer of growth. So this means that yes, it is not big enough, but for me, I see it from a positive point of view because this means that there is a potential for growth in this area. Back to the point of providing services to the unbanked population. So for sure this is very clear. If we look at the number of mobile money services landscape globally, you will find them basically on the developing countries, Latin America, Africa, part of the Middle East and South Asia. We are talking about 52 markets globally. They have at least two or more mobile money services. So I will go quickly with you through some cases, success stories in different countries. The famous one is one in Kenya. And the case of Kenya is till now is the top service worldwide in terms of mobile money. Up to the point is that paying a taxi ride in Kenya through your mobile phone is easier than you do it in New York. I'm not sure if this is still valid with Uber, but in PESA this indicates that up to which level people in Nairobi are using this service into their daily life. Buying groceries, having taxis ride, paying their bills, transfer money to their friends.  And if you can see that around 25% of the country gross national product flows through this service, 25% of the overall country national product flows. Well, it was launched in 2007 by Safari Con. Now they have 17 million plus subscribers, which is actually equivalent to more than two-third of the adult populations. Why it is successful? Because there is need serving the unbanked. And again, it's very simple to use. You don't require to have a smartphone device. Even if you don't have a smartphone device, you can use the SMS service to do all the options they are providing. Orange, another famous example, also in the African continent, we have Côte d'Ivoire. It was launched one year later, 2008. And they have around 10 million subscribers over 13 countries. And they are saying that more than 30% of orange subscribers are using the mobile services. They are having 1,100 active points of service so that people can go and receive their cash withdrawal. They are providing services like money transfer, deposit and withdrawal, airtime, top-up, bill payment, insurance, et cetera. Again, another example from Uganda. 3.5 million subscribers. And they have 15,000 active Asian nationwide. Also, they are providing services like transportation, paying hospital and clinic bills, utility bills, market purchase, school fees, payment in restaurants, fast food, petrol, gas station, pay taxes, even tickets to movie concerts, whatever you can imagine, you can do it through your mobile device. Again, another example from Pakistan. In 2009, Telenor, their partner with Amir Microfinance Bank, introducing a branchless banking for the first time in Pakistan. They have over 22,000 outlets in more than 750 cities in Pakistan. The amount of growth per month is massive. 5 million unique users per month. And around 117 million transactions since launched. Again, same type of services, including international home transfer money, easy loan, donations, et cetera. Another case from Latin America, from Paraguay, Tigu Cash, again, 2,083 million plus subscribers, providing same sort of products, et cetera. Romania, Vodafone, launched in 2014. And this, I believe this, if I'm not mistaken, this is the first mobile money service to be introduced in Europe, targeted 7 million users and providing the same type of services. Now, we are in Doha and we have two main operators here, Orido and Vodafone, telecom operators. Orido already is providing a mobile money service, which is safe, easy, convenient and quick. So, you can cash in, you can instant money transfer. And here again, this is a screenshot from the mobile application. And if you can see here, there is a link with the financial bank, which is Q&B. So, you can have here a quick home screen with all the services, your available balance. If you want to do money transfer, top-up payment, promotions, cash out. And in terms of security, you have to sign in or to register. And every user has a unique first-time MPIN. So, this provides you with all the security and privacy that you need. Again, another screenshot from Orido mobile money application. Well, for Vodafone in 2010, I found a press release saying that Vodafone launched the mobile money transfer. And this service, as I mentioned, due to the high level of expats in Qatar, for sure the amount of revenue is remarkable here. So, with Vodafone you can transfer money back home. But why mobile operators are very suitable for this type of mobile money? Well, first of all, the mobile operators already have a previous experience with airtime distribution. You know, they are selling SIM card and voice calls and SMS. So, they are using an interactive interface at a very low cost. Another most important aspect is that the brand recognition. I do trust my telecom operator. So, there is no harm to add my login details, my credit card details, because most of the time they already do have it when I am paying my bill, for example, in the store. So, I do trust my telecom operator. And at the end of the day, if I have an issue with my telecom operator or my mobile operator, I know where to go. I do have a stronger regulatory body. I do have a legal and regulatory framework. And there is a trust channel that is already built with the telecom operator. Another important issue is the mass marketing. Telecom operator, I believe that the mobile penetration in Qatar and in the GCC in general is almost 200%. So, you have already direct channel market with each and every mobile user, so you can easily send customized offer and packages to certain market segments. Well, from the policy and regulatory perspective, something that also needs to be taken from a regulatory point of view is that we need, again, to establish or to ensure that there is an open level playing field that allows both banks and non-banks providers. In this case, I will say telecom operator or maybe one of the startup companies who wants to get into this new business opportunity. We need to ensure that there is a clear transparent regulatory framework which identify exactly the mechanisms for dispute resolutions, for commercial settlements agreement. Again, for the international transfer, we need to have a clear regional harmonized set of policy between different countries. So, for example, I cannot be working here in Doha and I want to send the money back to India or to Nepal or to Pakistan or to any other country without having a clear harmonized policy between my service provider and the other service provider in the other country. Central banks also that are expected to regulate the financial sector. Most of, like you see with the example of Orido, most of the telecom operators they do partnership with existing banks to provide such services because in the regulatory framework you cannot provide financial services without being lines. So, that's why telecom operators and banks join their effort together so that the mobile operator will get benefit of the lines of the bank and at the same time the bank will have the benefit of the telecom lines with the telecom operator. So, it's type of mutual benefit for both parties. There are different regulatory concerns. Who can issue the mobile money? Do I need to have alliances to issue the service or not? Second, appointing and managing agent. What are the measures to be taken, for example, in cases like to fight anti-money laundering, transparency, exchange rates, consumer protection, access control, competition, cross-border transfer. All these issues need to be clearly mentioned in policy and regulatory point of view. And finally, the security part. Well, there are some clear security measures that can be taken into this model of mobile money. First, we need to put limit on the number of account per user. So, I cannot have like 1,000 accounts myself as George. No, we need to have a clear limit on the number of account. And finally, we need to put, there should be limit on the frequency of transaction. Another issue is the amount of transaction. So, limits on three things. Number of accounts, frequency of transaction, and finally, the amount of transaction. Identification, like we saw previously in the Orido application, you have something called first-time MPIN. So, we need to be identified in the third layer that is protecting me as an end user, and at the same time also protecting my service provider. Mobile phone localization is also an important feature to ensure the safety of any mobile money transaction. So, we are giving this example to of mobile money as one of the innovative ideas that mobile operators are tapping into it in order to be able to survive and to sustain in such highly competitive wide networked ecosystem. Like Andrea mentioned in his slide with the previous telecom ecosystem and what we are in now. But again, we found ourselves competing with the over-the-top players like Google, providing the Google wallet, like you saw in the movie. And even Facebooks are providing a credit card service for people to use over the internet. So, again, we are in an open world with borderless innovative approaches. Feel free to innovate. There is no harm to, like was mentioned before, to adjust your business model whenever needed. Operators are here, providing many services. I believe that with the service that you are having here through the Digital Incubation Center to explore your idea to brainstorm with experts in the field of telecom. Your ideas one day will become true and you will see them expanding and growing. And the beauty of our region is, like I mentioned earlier, there is still a big room for growth. Thank you so much for your attention and I'm open for any discussions and questions if any. Well, one final comment before leaving. We are very happy to be with you today as Samina Council. Thank you for your kind invitation. If you allow me, Samina Council is having tomorrow in Doha in Ritz-Carlton. It's Beyond Connectivity Conference, which is one of the biggest conferences organized by the Council. You are more than welcome to join us. It's for free. It's in Ritz-Carlton from 9 a.m. It's an open platform for everyone to attend. And I believe that you will have clear, konkreet interaction with the industry leaders from different stakeholders. So I will hope to see you all tomorrow morning. You are more than welcome and thank you so much.


So if you watch my videos regularly you realize that I kind of live out in the middle of nowhere I live in the swamps of Florida and You know not a lot of people most of the lots on my street are empty lots and they're all you know Most of them are shy of three acres. So I all the lots around me are Wooded I have some I'm the first house on the street besides the corner lot, which is five acres It's empty next to me. So I have a few houses back You might see a roof over here somewhere Which is the only house that I can really see for my property except for over here since the hurricane Year and a half ago Some trees got knocked down and I can kind of see the house over there and now I don't know those neighbors. They're the closest people that live to me and This is just This is just me noticing things. So I've noticed over the years They fly drones which a lot of people do nowadays they fly drones over my house sometimes very rarely, but they do it So, okay, so they like little drone toys then one time I got a package delivered to my house That was there So I went over there and I ring their tailbone.  So I think I live next door to a hacker I think I'm gonna have to point some Wi-Fi antennas over that way and see what I find Anyway, this is just me finding it that I live kind of out in the middle I'll know where mostly like hillbillies and stuff out here And I got a hacker living next door. His license plate says zero day. How cool is that? I don't know. Maybe I should go hang out with him. Maybe not. Anyway, I just found it Humorous, you know, I don't know anything about the guy other than he seems to like some technologies and has a Zero day license plate. Anyway, I thought it's funny. What do you think? Should I go ring his bell and say hey want to hang out? Let me know what you think down in the comments. Have a great day


So this is probably the most famous photograph of women protesting outside the White House and the the text of their banners reads Mr. President how long must women wait for liberty and Mr. President what will you do for women's suffrage? This is 1918 so it's the at the end of Wilson's terms as president And they had been waiting for Wilson to make Commitment in one direction now. This is on the eve of course of the passage which comes by the end of the end of the year in 1920 You can see that they are boldly demanding rather than politely asking and that too is a change in Not only the tactics of the suffrage movement itself But kind of the tenor of public debate in the country that there was an opportunity with this with urbanization Increasing mass media which became more and more some some I'm sure some contemporaries thought vulgar and Other contemporaries thought Frank and direct There there also is a frankness and a directness that's new to the suffrage campaign the parade that I was talking about We're with women all dressed in white and not all the women were dressed in white some of them are dressed in academic regalia or their professional insignia to Signify that these are a wide range of women from different backgrounds that same parade allowed black women to march at the back and that was a I'm sure a very difficult moment for many people in the parade for black women and for White women who were had been committed to the principle of racial equality Which included many of the leaders of the suffrage movement who had made some some very I'm sure pain full compromises with that philosophy hoping to bring southern states where the Principle of Jim Crow and segregation was front and center throughout this time period This is often talked about as the nadir of race relations in the United States and lynching is An issue that has been brought to the fore by black women such as I to be Wells Barnett Who's at that parade and refuses in fact to walk at the back and at the last minute just emerges out of the crowd and joins somewhere towards the middle to the front and That was also an exciting moment For IDB Wells Burnett for for the history of women's suffrage movement her defiance of the racism within the movement Signaled a unwillingness of black women to take that back seat


Welcome to the weather forecast for the week beginning, Wednesday, February 8th. I'm Chief Meteorologist John Ninsworth at Lama Public Media. I've got a third quarter moon in the morning sky, Monday, February 13th. The sun is pretty active in the hemisphere, stuff is rotated back around after a quiet time last time. Looking at drought conditions, things in the western two-thirds or half or so, Colorado was great and got just a little bit better up here in the northwest. Nothing really changed on the plains and you'll see why it's been pretty dry this week. Looking naturally, the entire west has had a lot of drought relief, Arizona at least southern, central, Arizona is doing great and not much changed from week to week. I'm at Dottosnowpack doing my crude animation here, looking to get up to February 8th. You see we're staying up there pretty high, we're at 124% of median statewide. Some basins are doing much better than others but overall fantastic for water. It was pretty dry this week, we got a little bit of precipitation in the central and northern mountains but for the most part this is the driest week that we've had in quite a long time. This year weather on Wednesday, I even had some tornadoes reported down in the deep south. On Thursday that's moving into Florida Panhandle, southern Alabama, Georgia and goes just a little bit further on Friday into northern Florida, Georgia, South Carolina. Nationally, surface we had a front come through Wednesday night and it whisked on through. I mean there were snow showers but I kept checking outside and I didn't see anything reaching the ground so most of it evaporated, very dry low atmosphere so this is way over represented in their map. On Thursday we have some mountain snows, you can see the clouds kind of hugging the mountains up there on Thursday and then everything's gone by Friday. Had a little bit of smoke from Florida region and like that but nothing in the west. So normal temperatures are taking a bigger climb now, 45 to 47, being nice to see it back in the 50s and night temperatures from 18 to 19. There's our snow band showers Wednesday night. We do have this possibility of a mid-week storm but you can see that the ensembles do not agree. It's about 30-50 as to whether this is going to hold together and affect Denver area. You can see all the moisture from the tropics going into that system in the south and kind of dry stuff out west. So the highlights, what is it right around like that? Friday, Saturday, midnight we have a huge ridge making this weekend very warm. There's trough out here on the west coast. Wednesday this is our next big trough digging in. This is a really good location for some snow and it's a pretty good hit. So we'll see if that holds together again. Last week we had a possible storm next week and it totally fizzled out. I don't think a flake hit anybody I knew so it was just not much of a system so this could easily evaporate or go north or south. It's so far away that it's very questionable. Here's the cold front with it. If it does happen we should get, no matter what, a bunch of cold air into the west. That large-scale cold migration is coming. It's just whether we get precipitation out of it. So let's put it in motion. So we have a couple lobes of lower heights moving out of the state at the end of the weekend. The weekend is warm with this big ridge, more melting than fine. We have a cut-off low barreling through Arizona, New Mexico, Texas to the south of us. Then for the middle of the week this is the trough that could give us our next significant weather. And again right now it looks good but we'll see. It looks like four to six inches maybe if this forecast were to hold. That way it goes by the following weekend. So temperatures, we have a snowpack in the Rockies, a cool air coming through with the cold front, lots of heat in the east, that cold air goes south. We stay really nice to the weekend, very warm. Very normally warm temperatures. There's that deep south low, bringing cold air to Mexico. Then the next big push, a bunch of Pacific cold air pushing through. It's a pretty sharp cold front. Yeah, look at that thing. That's beautiful. And that sweeps warmth out of the entire nation. There's a little blob of Arctic stuff coming into the very tail end of the animation. So let's take a look at this. This is Wednesday nights system sweeping through and falling apart. High and dry for the weekend, watching that low in Arizona, going down into Baja and northern Mexico, little showers in New Mexico. And it kind of consolidates into severe weather chances. Texas, here comes our midweek storm. And it looks a lot like the biggest snows stay north of the state. But we definitely get 12, 18 hours of precipitation. And off it goes. So four precipitation in the next five days. Most of that was last night. Most of that didn't happen. So it was really dry for snow, very, very light. Over the next 10 days, more moisture, but still not a lot on the eastern plains. It's the mountains and western slopes again. And snow, same thing. It's cold enough for snow. And it was like one inch right along here, two or three inches, very quick gradient. We're up to five, six inches for boulder, but an inch or less along I-25. So kind of interesting. So we have 40s, 30s for Thursday. We bounce back quickly to the 40s and for weekend 50s on into the beginning of next week before the next system comes in Tuesday night, if it does. That was it. Quick and easy. This has been chief meteorologist John Ensworth. Keep looking up.


Go make sure you catch a game. You can see low-scoring quick games like this Guardians Raise game. The 1-0 pitch by Bieber poked over the fence and the Rays show signs of life screaming and yelling around the bases. They were dead practically all game. Even this was kind of just like a dead man's home run. Shane Bieber mowed him down the outside but won nothing in the 6th inning and home runs, win games in the postseason so maybe the Rays are sitting pretty. Outside fastball came in and just poked it over. Now we're in the bottom of the 6th see if the Rays can have a shut down inning here and keep the lead. McClellan hands up against Rosario and versus Reides he basically only throws, he just started throwing a lot of junk so you got the curveball, the changeup, another changeup that he chases outside and then curveball so he's just going rotating them. That's poked past the first baseman. They got something going on. The fans in Cleveland cheering and now Jose Ramirez up the best player on the team.  Changeup outside so what's he going to go with next because he's just been going changeup curveball, changeup curveball, changeup curveball and Jose Ramirez is thinking yeah maybe another changeup maybe a curveball probably not a fastball curveball in the dirt didn't even really think about it didn't have any thought then changeup smacks it almost to the same exact area for a two run home run to give the guardians the lead and now they're going a little extra crazy there and this security guard nice man with the hood up and the white mustache grabs the ball and says you there you get it and throws it to the kid which is nice good high five in the bottom of the screen there solid contact and bam Jose Ramirez scores they're excited and he's just throwing junk and off speed look at his bad flip oh never mind doesn't care just the wild card not that into it now the rays they're saying hey we didn't like that that happened we'd rather still have the lead can you go talk to all your friends and see if there's any way we can call this home run back and they go okay um he doesn't want us to call this a home run what he what he really thinks is he thinks that the runner was running to second and then tagged up because he thought the ball might be caught and then when he started running again didn't touch second again so he stopped short there and I don't know if he touched second there or not but say he touches second there stops back pedals then goes again he needs to retouch and he does retouch you see that is very cute look with his left foot just boop retouch is because his right foot misses so I'm guessing the rays saw that his they didn't see that cute little touch they saw his right foot missed there and he kind of does a stumble and they're like hey he never touched second they're like no that's a home run like what are they talking about hit it over the fence so Ted Barrett he says after review call stands that's a home run and now they're screaming Spanish swears I mean I think this is vamo mama guavo which is Spanish for sucker I've been told by all my Spanish speaking friends yeah 11 a.m. start great high five there two guys brothers and glasses and cash is like oh man guess we lose now I don't know what he's saying here but I think what Jose Ramirez is saying look at his hands he's saying look it's pretty easy curveball curveball change up because that circle is the change up sign curveball he's like he's not throwing his fast ball variety so it's just curveball curveball change up curveball curveball it's easy sit on one of those and you'll win and then they bring in their closer Clausset he was the best closer in the regular season you know in a landslide I mean I did a whole thing I'm talking baseball about how good this guy is he throws 95 mile per hour sliders he gets the strike out he gets a 99 mile per hour cutter into a ground out for the second oh yeah let's go Cole that guy's warmed up by all his hair slider 90 mile per hour slider 99 mile per hour cutter oh my goodness that guy he looks like he's been a fan for a long time 02 popped up the average played appearance was 3.3 pitches in this game by both teams like 48 oh only one thing left to do win the whole damn thing I think like 48% of the at bats in this game were two pitches or less crazy thanks to see geek response from the video if you want to bring a sign to the game and see what fast playoff game go see geek use code john boy you get $20 off your first purchase