Anybody want to start a cell phone bank? FrontlineSMS:Credit

Our first module, Savings & Credit, will be available within the next three to five months.  It will allow users to issue credit, hold client savings and record client credit histories.  By linking individual profiles to their respective phone numbers, Savings & Credit will automatically track loan dispersals and adjust outstanding balances as mobile payments are received.  Any mobile payment in excess of an outstanding balance will be attached to the appropriate profile in the form of mobile savings, which an end user will be able to withdraw to their handset via text message.

I've written about FrontlineSMS, the laptop-to-SMS gateway that allows any laptop to become a SMS switchboard http://elstudio.us/frontlinesms-at-netsquared-mobile-n2y4. NGOs in the developing world love it, because it's completely decentralized. All they need is a phone and a laptop to reach lots of people by mobile.

With the recent acquisition of CreditSMS, the Frontline folks are expanding their software to handle microfinance. Expect a first software release in a few months. Anybody want to start a bank?

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FrontlineSMS at NetSquared Mobile N2Y4

In addition to the winning project, FrontlineSMS: Medic, the NetSquared Mobile Challenge had several projects that use FrontlineSMS software:FrontlineSMS Alerts and IJ Central were two other finalists.

Several more were centered around SMSmessaging, though it was not clear if FrontlineSMS was the software they intended to use.

So what is this FrontlineSMS stuff, exactly?FrontlineSMS software is a SMS switchboard made for the needs of NGOs.

By leveraging basic tools already available to most NGOs — computers and mobile phones — FrontlineSMS enables instantaneous two-way communication on a large scale. It’s easy to implement, simple to operate, and best of all, the software is free.

Being able to send lots of SMS messages without telecom carrier involvement sounds like a Very Good Thing in particular circumstances. Here’s one endorsement from the FrontlineSMS website:

Based in Africa in a country where broadcast technology is controlled by a dictatorial government, this software has enabled me to communicate with the public at large. I am able to run my project without drawing unnecessary attention to myself — a good thing in this neck of the woods. — Anonymous

The FrontlineSMS project is run by Ken Banks and the kiwanja Foundation, with funding by the Hewlett Foundation, MacArthur and the Open Society Institute.

It’s not clear to me whether FrontlineSMS is open source. The software is free to use — for NGOs at least - but one must fill out a form before download. -I’ve seen mention that the project would go open source sometime this spring, though I could find no indication that the code has been released just yet. The code seems to be written in Java.

Update 2 Jun: The source code is available at the FrontlineSMS project on sourceforge, licensed under the LGPL.

Here’s more about the software:

Many thanks to the funders and team behind FrontlineSMS. The software’s existence means that these NetSquared projects can focus on the task at hand — improving agriculture or medical care — not on taking apart cell phones. Opening up the FrontlineSMS source code should make the software that much more accessible — and let volunteers make it work on different types of phones.

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NetSquared Talk - Phone Plus Web With Open Source by Jason Goecke

What’s a multi-modal application? One that does phone, web, and perhaps Twitter, etc. One example is TwitterVoteReport, a Rails application that collected reports of waiting time at the polls for the 2008 US election. Produced in 3 weeks by Dave Troy. Input came from telephone, Twitter, SMS.

Here’s how Dave did it:

Open-source Software to do Voice

  • Adhearsion Ruby library for easing call handling. Provides a domain language for doing voice in Ruby
  • Asterisk actually talks to the phone system

Other Options

  • Rhomobile Allows Ruby/HTML application to be deployed natively to iPhone, BlackBerry, Windows Mobile, Symbian, Android. For front end.
  • Mozes commercial alternative to phone/SMS/web applications
  • Tropo.com hosts Adhearson and Asterisk in the cloud, so less work for you. Also supports languages beyond Ruby.

Jason Goecke @jsgoecke is a partner at Adhearsion.

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