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Slides from the "Mobile Technology for Social Entrpreneurs" (#mt4se) held on the 12th June 2010 in London, England.TRANSCRIPT
Vodafone Event
Deepak BhatiaJune 12, 2010
Public Sector Governance
Urban Development
Rural Development
Standards &
Inter-operability
PPP
Environment & Natural Resource Management
Health & Education
But what about the trucks?Private Sector Development
ICT CapacityBuilding
Legal,RegulatoryFramework
InstitutionalFramework
ICT enablement of Sectors
CA
S
SD
PR
P/P
RS
P
ICTInfrastructure
Enabling Environment
World Bank ICT LandscapeF
ram
ewo
rk f
or
Inte
rven
tio
n
Social Development & Social Protection
Bank Portfolio reflects significant investment in ICT
• 64% of Bank projects1 (pipeline and portfolio) have ICT components• Total ICT investments estimated at about $7.73 billion
No. of Projects
identified with ICT ICT Commitment
Amt.US$M
IBRD/IDA Amount US$M
Total 1,039 7,736 72,124
Portfolio 930 6,198 64,969
Pipeline2 19 467 1,568
Other3 90 1,071 5,587
1: Refers to the total number of projects reviewed (1630) as part of the ICT dimension study – as of Nov 20062: Only includes pipeline projects with clear ICT components identified3: ‘Other’ includes projects other than investment lending (incl. GPP, IDF, GEF, Special funds etc)
About 150 new projects (out of 250) containing ICT components enter the portfolio per annum
0
20
40
60
80
100
120
140
160
180
0%
10%
20%
30%
40%
50%
60%
70%
ICT ActiveProjects % w ith ICT
ICT Active P rojects 1 3 6 23 32 49 90 108 133 150 142 164
Lending P rojects Approved 245 256 241 286 280 223 225 229 240 245 280 286
P rojects Closed 243 254 234 256 242 162 114 91 65 48 56 45
% with ICT 0% 1% 2% 8% 11% 22% 40% 47% 55% 61% 51% 57%
1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
The number of Projects with ICT is growing
ICT in Bank Operations: Applications for the Sectors Rural Development
STRATEGIC FOCUS
POTENTIAL OF ICT
- Community resource monitoring systems - Automated Land titling registries - e-Gov services to reduce dependence on exploitative intermediaries
- Community resource monitoring systems - Automated Land titling registries - e-Gov services to reduce dependence on exploitative intermediaries
BANK PROJECT EXAMPLES
- GIS tools for tracking agricultural harvests- Remote crop diagnosis via digital media- ICT enabled agricultural education and extension services
- GIS tools for tracking agricultural harvests- Remote crop diagnosis via digital media- ICT enabled agricultural education and extension services
- ICT based agricultural marketing & trade
- Value chain creation from vertical commodity portals - Virtual communities connecting specialists
- ICT based agricultural marketing & trade
- Value chain creation from vertical commodity portals - Virtual communities connecting specialists
- ICT based rural micro-credit systems- ICT facilitated remittances from abroad - ICT based training to strengthen cooperatives, NGOs, producer associations
- ICT based rural micro-credit systems- ICT facilitated remittances from abroad - ICT based training to strengthen cooperatives, NGOs, producer associations
UKRAINE Rural Land Titling & Cadastre Devt Project, ($195 Mil): Computerized cadastre system for improving land taxes; quality of information for social service planning
UKRAINE Rural Land Titling & Cadastre Devt Project, ($195 Mil): Computerized cadastre system for improving land taxes; quality of information for social service planning
INDIA: Tamil Nadu Irrigated Agriculture Modernization & Water-Bodies Restoration and Management Project ($475 Mil): ICT for agricultural education & knowledge management
INDIA: Tamil Nadu Irrigated Agriculture Modernization & Water-Bodies Restoration and Management Project ($475 Mil): ICT for agricultural education & knowledge management
PHILIPPINES Diversified Farm Income & Market Development, ($70 mil); Information system on agricultural prices/ volumes traded to improve & expand markets
PHILIPPINES Diversified Farm Income & Market Development, ($70 mil); Information system on agricultural prices/ volumes traded to improve & expand markets
PHILIPPINES E-Commerce for Farmers: ($ 850,000): InfoDev project to develop electronic marketing site and computer literacy training programs for business development
PHILIPPINES E-Commerce for Farmers: ($ 850,000): InfoDev project to develop electronic marketing site and computer literacy training programs for business development
Rural Governance
Rural Governance
AgricultureAgriculture
Rural Markets
Rural Markets
Non-farmIncome
Generation
Non-farmIncome
Generation
ICT in Bank Operations: Applications for the Sectors Urban Development
STRATEGIC FOCUS
POTENTIAL OF ICT
- GIS based demographic data gathering - Scenario/ forecast modeling via e-simulations - Transportation & Facilities Mgmt Systems
- GIS based demographic data gathering - Scenario/ forecast modeling via e-simulations - Transportation & Facilities Mgmt Systems
BANK PROJECT EXAMPLES
-Intranets to facilitate communication with all levels of government - Common IT systems to standardize procedures and reduce discretion
-Intranets to facilitate communication with all levels of government - Common IT systems to standardize procedures and reduce discretion
- Land/Property Management Systems- Land titling Registries, Cadastral Systems for improved governance, taxation
- Land/Property Management Systems- Land titling Registries, Cadastral Systems for improved governance, taxation
- Online access to key governance documents, e.g. budgets, planning info- Participatory monitoring of programs to ensure checks and balances on officials
- Online access to key governance documents, e.g. budgets, planning info- Participatory monitoring of programs to ensure checks and balances on officials
CHINA: Wuhan Urban Transport; (US$ 598.2 mil): Project aims to Improve urban transport arrangements through an MIS for fleet management, including use of GPS units.
CHINA: Wuhan Urban Transport; (US$ 598.2 mil): Project aims to Improve urban transport arrangements through an MIS for fleet management, including use of GPS units.
PERU: Institutional Capacity for Sustainable Fiscal Decentralization ($8.8 Mil): Strengthening regional and local government institutions via information systems
PERU: Institutional Capacity for Sustainable Fiscal Decentralization ($8.8 Mil): Strengthening regional and local government institutions via information systems
GUATEMALA: Land Administration Project, ($31 Mil) developing cadastral and registral databases, and fully computerized administrative & accounting systems
GUATEMALA: Land Administration Project, ($31 Mil) developing cadastral and registral databases, and fully computerized administrative & accounting systems
UrbanPlanning
UrbanPlanning
Decentral-ization
Decentral-ization
LandManagement
LandManagement
CivicEmpowerment
CivicEmpowerment
ICT in Bank Operations: Applications for the SectorsPrivate Sector Development
STRATEGIC FOCUS
POTENTIAL OF ICT
- ICT facilitated Business networks - Online transactions to reduce costs- e-simplification of Business Processes
- ICT facilitated Business networks - Online transactions to reduce costs- e-simplification of Business Processes
BANK PROJECT EXAMPLES
- Employment generation and skills dev’t for 21st century- Necessary to support growth of ICT use in society, and in local development efforts
- Employment generation and skills dev’t for 21st century- Necessary to support growth of ICT use in society, and in local development efforts
- E-Procurement to promote private sector development opportunities - G2B services to facilitate ease of business creation, expansion and closing
- E-Procurement to promote private sector development opportunities - G2B services to facilitate ease of business creation, expansion and closing
- Computerized trade logistics for efficiency- E-Customs clearance for imports/exports, real-time info sharing with customs officials- Facilitation of trade networks
- Computerized trade logistics for efficiency- E-Customs clearance for imports/exports, real-time info sharing with customs officials- Facilitation of trade networks
TUNISIA: ICT Sector Development Project: ($ 1.03 million): Supports opening up of the ICT sector to private participation and competition
TUNISIA: ICT Sector Development Project: ($ 1.03 million): Supports opening up of the ICT sector to private participation and competition
GHANA: e-Ghana Project: generate increased employment in the ITES (notably BPO) sector, and improve access to information/transaction capabilities for businesses in selected districts
GHANA: e-Ghana Project: generate increased employment in the ITES (notably BPO) sector, and improve access to information/transaction capabilities for businesses in selected districts
CAMBODIA: Trade Facilitation and Competitiveness ($10 Mil): Deployment of ICT for automation of customs functions; IT training, Installation; Website development
CAMBODIA: Trade Facilitation and Competitiveness ($10 Mil): Deployment of ICT for automation of customs functions; IT training, Installation; Website development
SME Support
SME Support
ICT SectorDevelopment
ICT SectorDevelopment
Stimulation ofDomesticIndustry
Stimulation ofDomesticIndustry
Trade &Integration
Trade &Integration
ICT in Bank Operations: Applications for the Sectors Public Sector Reform (E-Government)
STRATEGIC FOCUS
POTENTIAL OF ICT
- Records Management systems - HR Management Systems, online job listings- e-Pensions Administration
- Records Management systems - HR Management Systems, online job listings- e-Pensions Administration
BANK PROJECT EXAMPLES
- Treasury systems to improve fiscal control - e-Procurement for checks on govt. purchasing- e-Taxation for efficient revenue collection
- Treasury systems to improve fiscal control - e-Procurement for checks on govt. purchasing- e-Taxation for efficient revenue collection
- e-Gov portal for 24/7 service delivery- e-services to reduce exploitation, official discretion - e-democracy to empower citizens
- e-Gov portal for 24/7 service delivery- e-services to reduce exploitation, official discretion - e-democracy to empower citizens
- Court MIS, e-case filing to expedite processes- Legal systems for judges- Public awareness via online case data
- Court MIS, e-case filing to expedite processes- Legal systems for judges- Public awareness via online case data
SRI LANKA: e-Sri Lanka Program; (US$ 50 mil): Creation of a ‘single window’ for gov services; inter-connected government agencies for improved productivity
SRI LANKA: e-Sri Lanka Program; (US$ 50 mil): Creation of a ‘single window’ for gov services; inter-connected government agencies for improved productivity
CHILE: Public Expenditure Management Project, ($23 Mil) improve transparency of public finance via a modern and integrated IFMIS
CHILE: Public Expenditure Management Project, ($23 Mil) improve transparency of public finance via a modern and integrated IFMIS
GUATEMALA: GT TAX ADMIN. TAL, ($28 Mil): Computerized tax collection sytem to improve convenience to citizens and accuracy in revenue collection
GUATEMALA: GT TAX ADMIN. TAL, ($28 Mil): Computerized tax collection sytem to improve convenience to citizens and accuracy in revenue collection
EL SALVADOR: Judicial Modernization Project; ($ 24 mil) automates case management programs, and provides e-learning for judicial employees
EL SALVADOR: Judicial Modernization Project; ($ 24 mil) automates case management programs, and provides e-learning for judicial employees
AdministrativeReform
AdministrativeReform
Anti-Corruption
Anti-Corruption
Citizen-centricGovernance
Citizen-centricGovernance
Law & JusticeLaw & Justice
ICT in Bank Operations: Applications for the SectorsHealth & Education
STRATEGIC FOCUS
POTENTIAL OF ICT
-- Distance Learning to reach remote areas- ICT based teacher training, skills building- Multi-media to improve teaching content- Education MIS for improved administration
-- Distance Learning to reach remote areas- ICT based teacher training, skills building- Multi-media to improve teaching content- Education MIS for improved administration
BANK PROJECT EXAMPLES
- GIS based disease surveillance- Early warning systems for potential outbreaks- ICT based delivery of health info to citizens
- GIS based disease surveillance- Early warning systems for potential outbreaks- ICT based delivery of health info to citizens
- Tele-consultation with remote diagnosisfor rural areas- ICT based training and skills building for care-givers
- Tele-consultation with remote diagnosisfor rural areas- ICT based training and skills building for care-givers
- Health MIS for improved patient care- electronic shareable health records to improve transmission of information- Compilation and analysis of health-related statistics
- Health MIS for improved patient care- electronic shareable health records to improve transmission of information- Compilation and analysis of health-related statistics
COSTA RICA: Equity and Efficiency of Education ($ 51 mil): Development of an Education MIS; Distance Education training for teachers, and the networking of rural schools.
COSTA RICA: Equity and Efficiency of Education ($ 51 mil): Development of an Education MIS; Distance Education training for teachers, and the networking of rural schools.
BRAZIL: VIGISUS APL 2, ($100 Mil):- Improved disease surveillance & Control via access to quality information from ICT systems
BRAZIL: VIGISUS APL 2, ($100 Mil):- Improved disease surveillance & Control via access to quality information from ICT systems
NICARAGUA Health Sector II, ($82 mil) Institutional strengthening of Ministry of Health, via Information systems to make it responsive to the needs of its different end users (central MOH, hospitals and municipalities).
NICARAGUA Health Sector II, ($82 mil) Institutional strengthening of Ministry of Health, via Information systems to make it responsive to the needs of its different end users (central MOH, hospitals and municipalities).
Access & Quality
Of Education
Access & Quality
Of Education
DiseaseControl
DiseaseControl
Delivery of Health Care
Delivery of Health Care
HealthAdministration
HealthAdministration
ICT in Bank Operations: Applications for the SectorsEnvironment & Natural Resource Management
STRATEGIC FOCUS
POTENTIAL OF ICT
- Satellite maps for analysis of water flow
- Identification of new water resources
- Identifying areas of scarcity before water shortages occur
- Satellite maps for analysis of water flow
- Identification of new water resources
- Identifying areas of scarcity before water shortages occur
BANK PROJECT EXAMPLES
- Natural Resources (vegetation & bio-diversity) Monitoring Systems
- Disaster Management Systems
- Aggregating of Environmental Data to check compliance with regulations
- ICT based networking to allow citizen monitoring of safeguards
- Public awareness raising via online channels
- Natural Resources (vegetation & bio-diversity) Monitoring Systems
- Disaster Management Systems
- Aggregating of Environmental Data to check compliance with regulations
- ICT based networking to allow citizen monitoring of safeguards
- Public awareness raising via online channels
CHINA, SLOVAKIA, FRANCE: Data Fusion for Flood Analysis and Decision Support (US$4.2 million), infoDev: Aims to create a Decision Support System to provide solutions for flood prevention & protection, with near real-time prediction capabilities.
CHINA, SLOVAKIA, FRANCE: Data Fusion for Flood Analysis and Decision Support (US$4.2 million), infoDev: Aims to create a Decision Support System to provide solutions for flood prevention & protection, with near real-time prediction capabilities.
BOSNIA & HERZEGOVINA: Forest Dev/Conservation TA: (US$ 5 million), The project will install computer hardware, software and networking equipment for Forest Offices to better manage natural resource information. A Forest Management Information System worth 2.3 million will be developed as part of project requirements.
BOSNIA & HERZEGOVINA: Forest Dev/Conservation TA: (US$ 5 million), The project will install computer hardware, software and networking equipment for Forest Offices to better manage natural resource information. A Forest Management Information System worth 2.3 million will be developed as part of project requirements.
Water Management
Water Management
EnvironmentalMonitoring
EnvironmentalMonitoring
ICT in Bank Operations: Applications for the Sectors Social Development & Social Protection
STRATEGIC FOCUS
POTENTIAL OF ICT
- ICT for information gathering and analysis- Census, demographic surveillance systems- Monitoring systems to evaluate social programs
- ICT for information gathering and analysis- Census, demographic surveillance systems- Monitoring systems to evaluate social programs
BANK PROJECT EXAMPLES
- E- application for social benefit programs
- ICT facilitated rural insurance products- Agency sharing of beneficiary information
- E- application for social benefit programs
- ICT facilitated rural insurance products- Agency sharing of beneficiary information
- Women’s employment within ICT Sector- Vocational training via ICT- ICT facilitated lobbying - e-channels for reporting gender offences
- Women’s employment within ICT Sector- Vocational training via ICT- ICT facilitated lobbying - e-channels for reporting gender offences
- E-complaint filing, e.g. service delays- Monitoring of public resources by citizens- online viewing of public meetings, access to key gov. documents, e.g. budgets
- E-complaint filing, e.g. service delays- Monitoring of public resources by citizens- online viewing of public meetings, access to key gov. documents, e.g. budgets
BURKINA FASO: Development of the National Statistical System ($10 Mil) builds capacity to utilize timely, accurate quantitative and qualitative information to monitor progress towards national development goals, including MDGs
BURKINA FASO: Development of the National Statistical System ($10 Mil) builds capacity to utilize timely, accurate quantitative and qualitative information to monitor progress towards national development goals, including MDGs
LATVIA Welfare Reform Project (WB): development of a more efficient, effective social welfare system through strategic use of ICT.
LATVIA Welfare Reform Project (WB): development of a more efficient, effective social welfare system through strategic use of ICT.
BANGLADESH: Expanding Mobile Services and Empowering Women 1999; US$ 18.3 million (IFC) Provides access to mobile phone services for approximately 30 million people living in rural areas, particularly local women
BANGLADESH: Expanding Mobile Services and Empowering Women 1999; US$ 18.3 million (IFC) Provides access to mobile phone services for approximately 30 million people living in rural areas, particularly local women
Poverty Strategy
Development
Poverty Strategy
Development
Social RiskMitigation
Social RiskMitigation
GenderGender
Civic Empowerment
Civic Empowerment
ICT investments can have a high impact
• Karnataka (India) Bhoomi project– 20 million land records computerized– Investment of $4.2 million– Savings of $18.3 million in bribes annually
• Ghana’s GCNet– Created as a joint venture company with Société Générale de
Surveillance (SGS, 60%), Government (20%), Ghana Shippers Council (10%), and two local banks (5%,each)
– Equity of $5.3 million– Revenues through a 0.4% advalorem fee on imports– 49% increase in customs revenues in first 18 months and reduced
clearance times
Country Type of government application
Number of days to process before application
Number of days to process after application
Brazil Registration of 29 documents
Several days 20 30 minutes per document, one day for business licenses
Chile Taxes online 25 days 12 hours
China Online application for 32 business services
2-3 months for business license Several visits to multiple offices for filings
10-15 days for business license Several seconds for routine filing for companies
India, Andhra Pradesh
Valuation of Property
Few days 10 minutes
Land Registration 7-15 days 5 minutes
India, Karnataka Updating Land Registration
1-2 years 30 days for approval, request completed on demand
Obtaining Land Title Certificate
3-30 days 5-30 minutes
India, Gujarat Interstate Check Posts for Trucks
30 minutes 2 minutes
Jamaica Customs Online 2-3 day for brokers to
process entry 3-4 hours
Philippines Customs Online 8 days to release cargo 4 hours – 2 days to release cargo
Singapore Issue of Tax Assessments
12-18 months 3-5 months
Source: Subash Bhatnagar and Arsala Deane (World Bank, 2003).
ICT investments can have a high impact
BUT ICT investments are also high-risk…
• Guardian headline: “£2bn cost of government’s IT blunders” (Saturday January 5, 2008)
• Department of Works and Pensions alone accounted for £1.6bn in terms of failed IT projects
• Risks are high, though a lot learnt since the early days
Partial Failures 50%
Total Failures 35%
Successes 15%
Source: Richard Heeks. 2003. “Most e-Government-for-Development Projects Fail: How Can Risks be Reduced?”. IDPM i-Government Working Paper no. 14
e-Government initiatives in Developing/Transitional Countries
Move to Mobile
• As a viable means for service delivery
Mobile Communication Transformed SocietyMobile Communication Literally Transformed Society
as its Outreach Increased
Source: Com MN SM Market Assessment and Klaus Estenfeldy, November, 2006;
2010 2006 early 1985
Top appealing use case
Ø phone cost (US $) 1,000 200 40
Ø Cost / minute (US $)
Cell phone users (world) 200,000 2.2 BLN 4 BLN
“Voice calling from a car”
“Mobileentertainment
anywhere”
0,00
0,10
0,20
0,30
0,40
0,50
0,00
0,10
0,20
0,30
0,40
0,50
“Mobile communication for
everyone”
0,00
0,10
0,20
0,30
0,40
0,50
(2.5 cent)
45 cent8.1 cent 5.0 cent
(1.6 cent)
World
(India)
17
Mobile trends
Mobile phones have narrowed the gaps in voice communications worldwide
Some developing countries are beginning to leapfrog OECD counterparts
Mobile phones worldwide, millions Mobile density, per 100 pop.
The Diffusion of Mobile Applications is Fast
18
ICTs and Mobile Applications’ Diffusion is Tangible Across Sectors
Source: DFINTL, CITPO Analysis, December 2009
Mobile Applications Potential for Growth is still Largely Untapped
19
Even in Countries with 100% Mobile Penetration, Policy/regulatory Steps are to be Taken to Increase Access to Mobile Citizen Services
0
20
40
60
80
100
120
0.00 200.00 400.00 600.00 800.00 1000.00 1200.00
Mobile phone subscribers (per 1,000 people)
Po
pu
lati
on
co
vere
d b
y m
ob
ile
tele
ph
on
y (%
)
Uganda
Rwanda
Nigeria
Niger
Kyrgyz RepGhana
Cote d'Ivorie
BangladeshBelarus
FijiAzerbaijan
YemenMoldovaGuyan
Egypt
Congo, RepArmenia
Namibia
TunisiaSri Lanka
Syria
LebanonSouth Africa
BrazilGabon
Source: CITPO Analysis, 2009
Key Areas Where Mobile Applications are Already Wide-spread
20
• Disaster and Risk Management
– Disaster warnings– Alerts– Refugee coordination– Aid supply management
• Economic Development– Market data collection– Mobile Payments– Micro loan management
• Environmental Monitoring– GIS surveillance– Crowd data and open source
• Organizing/Advocacy– Information dissemination– Legislative advocacy– Voting mobilization– Anti-corruption reports
• Health:– Disease surveillance and
remote control– Information dissemination and
public health education– Drugs supply chain
management and aid relief control
• Accountability and Transparency
– Election monitoring– Human rights monitoring– Corruption monitoring
• Media and (Citizen) Reporting– Incidence/news mapping– Incident photo/video footage– News dissemination in restricted
environments
Source: Mobileactive.org, CITPO Analysis, 2010
Mobile Trends for the Next 10 years
21
Mobile Applications will Continue to Expand into Social Development Area
Top 5 Mobile Applications in 2012
22
Gartner Listed Top 5 Mobile ApplicationsBased on their Impact on Consumers and Industry Players in the
Upcoming Years
Source: CITPO Analysis, February 2010
23
Impact of ICTs on GDP growthImpact of a 10% increase in the penetration of ICTs on GDP per capita, 1980-2006
•Developing country mobile has 35% greater impact on GDP than developed
•Broadband has a 57% greater impact than narrowband
Implication: Future Mobile broadband could have a greater development impact than mobile voice when available
Mobiles and economic growth – some evidence
SerbiaPakistan Malaysi
aThailand
UkraineBangladesh
7%
6%
5%
4%
3%
2%
1%
0%
Contribution of mobile comms to total GDP, 2007
Source: Deloitte, cited in World Bank (2008), “The role of mobile phones in sustainable rural poverty reduction”
High and rising contribution of mobile to total GDP (Deloitte: see chart)
Job creation: 3.6 million jobs created in India by mobile industry (Ovum)
Productivity increases through business expansion, employment search, entrpreneurship, mobile banking, lower transaction costs etc (Deloitte)
Critical mass in economic impact appears to be reached at 25% penetration (Vodafone, India study)
Increased tax revenue (GSMA)
mHealth application – Example of social networking
• For people with no computing access, a mobile will be their first computing device.
India for example, has 25 PCs per 1,000 people, according to IDC. The U.S. number is 997.
People in India, like many in the developing world, choose mobiles over computers. They are cheap, and do the job.
Paradigm shift – for mobile telephony and the use in sectors
it is important that we do not see mobile technology as a “stand alone device” but as an integral part of the daily lives of civil servants, beneficiaries and their interactions with the sectoral system and the community in which they are working.
– Old statistic - Nine million new phones are sold in India every month, about 3 million more than the number of computers sold in an entire year.
– Sixty-six million people access the Internet via their handsets, according to the Telecom Regulatory Authority of India.
Change in behavior (with positive effects due to social networking)
• Increased peer-to-peer communication between health workers on all kinds of issues including health system or administration.
• helped build a closer-knit community between the health workers, facility staff and community members. Calls to meetings, stock availability, health days were communicated faster and improved efficiency.
• explore new ways of using the phone. One health worker took photos of skin rashes and showed this to the medical officer because she was unable to detect the cause of the rashes.
• Few health workers have advertised the phone numbers as official sub-center numbers and hence people from the catchment areas often call and discuss their health-related problems.
Final caveat
• Any mobile solution should be matched with
• the people’s skills,
•resources available,
•work practice
•and infrastructural context
Special thanks to
Mariana Medvetchi-Dahan – for additional data on mobile applications
Saptarshi Purkayastha – Director R&D, HISP India, NBITS example
• Contact• Deepak Bhatia, E-government Applications
Practice,Global ICT Department, The World Bank• [email protected]