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From Haiti to Kenya, cell phone banking is doing something the panopticon could not, hardwiring the "3rd world" to the international monetary mindfuck...
A cellphone-based system that allows people to transfer money and pay bills without a bank account is transforming business in Kenya.

How the system works Mobile money transfer services are accessed via an application installed on the user's SIM card.

The user can create a free account and deposit money into it for free with registered agents at retail outlets. They may be gas stations, supermarkets, banks or micro-finance providers or small and medium-sized businesses. No minimum account balance is required.

The user can then transfer up to $440 from the account to someone else — including someone who doesn't have a cellphone. The recipient provides identification and picks up the cash from another registered agent.

Users can deposit and withdraw cash, pay water and electricity bills, pay their children's school fees, get paid by their employers or buy extra airtime for their phone.

Not even agents themselves need a computer or internet service — they can record the customer's transactions on their own mobile phones.

Deposits are typically free, but a fee of about 30 cents to $5 is charged for most other transactions.

Only 19 per cent of adults among Kenya's 39 million people have access to a formal bank account, according to a 2009 survey by the Financial Sector Deepening Trust, established by Canada and four other countries to provide greater access to the financial sector in Tanzania, Kenya's neighbour.

Cellphone-based mobile money transfer systems are not officially considered banking services under Kenyan regulations. But since the introduction of M-Pesa, the first such service, three years ago, Kenyans have used it to transfer $4.4 billion.

"It has changed the economy so speedily, everyone is happy," said businessman Amos Mwaniki, who runs a photocopy business in Nairobi. "Everybody in Kenya now today, he can do business … wherever he is, wherever she is."

Sarah Kigwama is one of 12 million Kenyans — 30 per cent of the population — who were making use of the mobile money transfer service run by a wireless provider as of September.

Kigwama, 37, works as a housekeeper in the bustling city of Nairobi. Like many other urban workers, the mother of two children, aged eight and 12, helps support relatives in poor rural areas. Each month, she sends about $20 of her monthly salary of $115 to her mother, who lives in a rural village about 200 kilometres away.

Although only one per cent of Kenyans have a land line, Kigwama is among the 70 per cent who have a cellphone.

"This mobile has changed, really, my life," she said.



Read more: http://www.cbc.ca/technology/story/2010/09/27/cellphone-wireless-mobile-money-transfer-m-pesa.html#ixzz10mh9Zrf5
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From Africa News

Is Africa overpopulated or under populated?


Development policy in Africa assumes that "less population equals more development." This idea originated in the West and has been repeated so many times by leaders and media in our countries that everyone seems to agree with it or at least accept it without questioning its viability.

Recently the National Coordinating Agency for Population and Development (NCAPD) of Kenya warned that ‘Kenya’s population is expanding too fast, and may become unsustainable in the near future’. This is a typical declaration and mindset of many, especially policymakers in the developing world and Africa in particular. 

The thinking behind this declaration is too simplistic to be valid: the fewer people a country has the better the government can take care of those people. Human beings are reduced to what the governments can manage or a ‘manageable’ population. In other words, people are the problem and seen, as the old perception of people in the third world countries by their masters, as mouths to feed and not minds to think and innovate for a better future.

Let’s make a few comparisons. According to the UN report ‘World population 2008’ there are 170 people per square km in Western Europe versus 33 people in Africa per sq km. For instance the UK has 253 people per sq km while Kenya has only 69 people per sq km. 

Where is the overpopulation? Clearly not in Africa or Kenya, even if Africa’s population increases five times what it currently is; countries of Western Europe like France, Germany or Switzerland will still be more “overpopulated” than African countries. Despite these figures, the myth continues to associate population size with development in Africa and other developing regions. 


The same thing being preached to Africa was preached to Hong Kong in the 1950s when it was still poor. Predictions were made that the overcrowded Hong Kong without natural resources had a bleak future, and one newspaper proclaimed that the country was ‘dying’. Its government lamented that ‘the problem of a rapidly increasing population lies at the core of problems facing the country’. 

The apocalypse predicted never came to pass. Instead, Hong Kong witnessed an economic miracle and today Hong Kong boasts a population of 7,026,400 people with 6,460 people per sq km (2009 estimate). In addition, according to the IMF 2009 estimates, it has a per capita income of US$42,748 (the 8th highest place in the world, if separated from mainland China). Still, its population has increased about six times the number it had in the 1950s, when it was said to have a population beyond its ‘carrying capacity’.


What these statistics tell us is that there is no relationship between population size and development. Evidence has shown that when people are educated and earn a high income, authentic development occurs. However, today illiterate people in villages across the developing world are being taught, through different government or donor funded programs, that birth control is the way to development. 

This is just placing an emphasis where it shouldn’t be placed. Birth control is a stage in development, when people are provided with good education, security, healthcare services that reduce child mortality and opportunities to exercise their talents they will make free choices, and as history has shown they will responsibly determine the spacing of their children according to their needs, desires, hopes and dreams. 

This mindset of “managing population” has shifted attention away from more pressing issues like education, healthcare services and transfer of technology that would boost economies in poor countries. This is easily done by associating population growth with every other problem from food shortages to environmental degradation. Though the world population has more than doubled since 1950, food supplies have more than tripled globally in the same period (though the food production was not equally shared). 

In developed countries, there were improvements in people’s lives through education and healthcare services, followed by a trend or preference in smaller families. In fact, economic boom requires a large labor force to take off. 

If current trends continue, Africa may end up in few decades with negative population growth, not unlike the situation in developed countries, where fertility rates are far lower than what is needed for replacement. If this happens, Africa will have the dual problem of a depleted workforce and underdevelopment. 


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The subliminal messages in this one are too numerous to count, so by all means choose your own analytical adventure.
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In the movie below Britney plays a strung out meth addict... It would appear that life is not complete without intense irony, except that the drugs that killed her were legal. See main story below...
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