Tuesday, 21 July 2015

Co-operative Insurance Company
CIC insurance was found in 1978 and formerly known as Co-operative Insurance Services Ltd. The name change in 1999 was part of a market repositioning strategy, changing the then small insurance company into a respected and well known firm in Kenya. It offers general and life insurance products.

We offer the best services in the market need any assistance in the following areas: 
CIC ASSET MANAGEMENT COMPANY
CICAM has specialized in the management of investment portfolios for pension fund schemes, collective investment schemes and private clients.  Our goal is to attain our vision of “being the preferred provider of superior investment management and related financial services through the co-operative spirit”. 
CIC General Insurance 
CIC Life Assurance
CIC MEDISURE HEALTH PLAN – FAMILY 
Motor Commercial Plus 
CIC LADY AUTO 
CIC Academia Policy 
CIC Biashara Salama 
Travel Insurance Cover

Contact me at 0713700813
Abednego Ngeno CIC INSURANCE MARKETING EXECUTIVE.
Oooooh am late to work, the MD'S chabima gona finish me, late bwana

''The number one benefit of information technology is that it empowers people to do what they want to do. It lets people be creative. It lets people be productive. It lets people learn things they didn't think they could learn before, and so in a sense it is all about potential.''

The next generation of London Tube trains
A new generation of London Underground trains enters service during 2022,* remaining in operation for 40 years.* The aging Tube network had been underinvested for decades – resulting in ever-worsening delays, overcrowding and safety issues. In the early 21st century, however, a massive programme of upgrades and modernisation was initiated. This included a £16bn ($26bn) project announced by Transport for London in October 2014, intended to fundamentally overhaul its rolling stock.

london future tube trains 2022
Credit: Transport for London/PriestmanGoode

These futuristic new carriages were designed to accommodate the city's rapidly increasing population (forecast to grow by 37% to 11 million by 2050),* address safety concerns, improve usability for the disabled and offer a more pleasant overall experience for travellers. Step-free trains and wider doors would enable those in wheelchairs to have seamless access from platform to carriage, while door barriers placed on the edge (already introduced on the Jubilee Line) could prevent suicides or accidents.
With trains designed to be more spacious and easier to board – in combination with modern signalling and control systems – a faster, more frequent and more reliable service could be provided. The Piccadilly line, for example, serving many of London's top tourist attractions, would have its capacity boosted by 60%, equivalent to an extra 19,000 customers per hour.
In the past, summer temperatures and humidity on some lines were known to reach levels unsuitable for cattle transport.* All of these new carriages now featured air conditioning, for vastly improved comfort. In addition, hi-tech electronic displays could provide real-time information, while better lighting created a "living room" feel.
The New Tube is first introduced on the Piccadilly line in 2022, followed by the Bakerloo, Central and Waterloo & City lines. Self-driving trains are deployed from 2030.* These had already been present on some parts of the network, such as the Docklands Light Railway (DLR) in the Canary Wharf financial district. As they become widespread on the main Tube lines as well, these automated systems bring to an end the notorious union strikes which had caused severe disruption in earlier decades.




2022
The ITER experimental fusion reactor is switched on
Human-engineered fusion was already demonstrated on a small scale. The problem has been finding ways of scaling it up to commercial levels in an efficient, economical, and environmentally benign way.
ITER – previously known as the International Thermonuclear Experimental Reactor – aims to be the first project to achieve this. Built in southern France at a cost of €20 billion, it has taken over a decade to construct and is among the largest scientific projects ever undertaken, second only to the International Space Station. This joint research experiment is funded by the US, EU, Japan, Russia, China, India and South Korea.
To demonstrate net fusion power on a large scale, the reactor must simulate the conditions at the Sun's core. For this, it uses a magnetic confinement device called a tokamak. This doughnut-shaped vacuum chamber generates a powerful magnetic field that prevents heat from touching the reactor's walls. Tiny quantities of fuel are injected into and trapped within the chamber. Here they are heated to 100 million degrees, forming a plasma. At such high temperatures, the light atomic nuclei of hydrogen become fused together, creating heavier forms of hydrogen such as deuterium and tritium. This releases neutrons and a huge amount of energy.
Following its operational activation in 2022,* it is hoped that ITER will eventually produce over 500 megawatts of power, in bursts of 400 seconds or more. This compares with 16 MW for the Joint European Torus (JET) in 1997, the previous world record peak fusion power, which lasted only a few seconds.
ITER will require many more years before its reactor has been sufficiently perfected. To generate the sort of continuous levels of power required for commercial operation, it will need a way of holding the plasma in place at the critical densities and temperatures. This will need refinements in the design of the chamber, such as better superconducting magnets and advances in vacuum systems.
However, it could ultimately lead to a revolution in energy. If this project were to succeed, humanity would gain a virtually unlimited supply of clean, green electricity.*

iter experimental fusion reactor 2018 future
Credit: ITER



Solar grid parity has been reached in almost 10% of the United States
Grid parity is defined as the point at which renewable energy is equal to, or cheaper than, utility grid electricity – without government subsidies. In the case of solar, although a number of factors are involved, countries with more sunshine tend to achieve this landmark sooner.* In the US, regions such as California and Hawaii were among the first states to reach grid parity.

Click to enlarge
future solar energy us 2020 2022 map
US photovoltaic solar resources. Credit: NREL

From 2010 onwards there was explosive growth of installed solar capacity both in the US* and around the world. Dramatic falls in cost, faster production through automation, new materials and efficiency improvements, concerns over global warming, new financing models and the increasingly competitive market with China and other countries, all helped in boosting the deployment of solar.
The bankruptcy of Solyndra (awarded hundreds of millions of dollars through a federal loan guarantee program) received much coverage in the US media. However, this was less a failure of the industry and more due to the success of competition in driving down prices. Solyndra's panels were made from copper indium gallium selenide – nonsilicon technology. Although this was expensive, it was competitive in 2008 when silicon prices were high. When the cost of silicon fell, so did the price of silicon panels, making Solyndra's technology obsolete.*
The growth trend for solar would continue throughout the 2010s and into the following decade, with prices plummeting still further.* Traditional utility companies were beginning to face enormous competition from inexpensive rooftop solar power, even in northern states like Minnesota, Wisconsin and Michigan.*
By 2022, almost 10% of the US has reached solar grid parity.* This is helping to mitigate some of the economic damage caused by rising oil prices. By 2030, a nationwide "smart grid" has been established across the country, able to intelligently manage and distribute solar energy to precisely where it is most required.* By the 2040s, even solar from space is commercially feasible* and by mid-century, solar dominates the global energy supply.*

future solar 2020 2020s technology



Germany phases out nuclear energy
After the Fukushima disaster in Japan, a number of countries began to reconsider their use of nuclear power. Germany was among the nations to abandon this form of energy altogether. Its government had originally planned to keep plants running until 2036, but this schedule was brought forward. Seven plants which had been temporarily shut down for testing in 2011, and an eighth taken offline for technical problems, would remain closed permanently. The remaining nine plants would be shut down by 2022.
Prior to this phasing out, nuclear power in Germany had produced a quarter of the country's electricity and the industry employed some 30,000 people. The shortfall would be made up by renewables, a temporary increase in coal use* and the cutting of electricity usage by 10 percent through more efficient machinery and buildings.*

german nuclear phase out 2020 2022
Germany's nuclear plants in 2011, showing the zones of radiation in a potential worst-case scenario, as happened with Fukushima. According to this map, large areas of north and south Germany would be made uninhabitable if all plants were to meltdown.


Qatar hosts the FIFA World Cup
Qatar is a tiny Persian Gulf nation of just 1.7 million people. It has the second highest GDP per capita in the world, owing to its massive natural gas deposits. It becomes the first country in the Middle East to host the World Cup.
Summers in Qatar can reach 50°C. However, each stadium employs state-of-the-art cooling technology, capable of reducing temperatures by over 20 degrees celsius. The upper tiers can be disassembled after the tournament and donated to countries with less developed sports infrastructure.
One of the stadia includes a 420,000 sq ft media facade, covering almost the whole exterior. This futuristic screen displays news, adverts, tournament information and live matches to viewers outside.*




China's first space station is complete
China's efforts to develop low Earth orbit (LEO) space station capabilities began with a space laboratory phase, consisting of three "Tiangong" space modules launched in 2011, 2013 and 2015, respectively. These were small and experimental modules intended to demonstrate the rendezvous and docking capabilities needed for a much larger space station complex. They were designed for short stays with crews of three.
The larger, modular space station begins to take shape in 2020, using the previous separate components which are arranged as a Core Cabin Module (CCM), Laboratory Cabin Module I (LCM-1) and Module II (LCM-2), a "Shenzhou" crewed vessel and a cargo craft for transporting supplies and lab facilities.
The multiphase construction program is completed by 2022. The complex weighs approximately 60,000 kilograms (130,000 lb) and will support three astronauts for long-term habitation. It has a design lifetime of ten years.*

china space station 2020 2021 2022
Credit: Chinese Society of Astronautics

The European Extremely Large Telescope is operational
This revolutionary new telescope is built in Cerro Armazones, Chile, by the European Southern Observatory (ESO), an intergovernmental research organisation supported by fifteen countries. It has the aim of observing the universe in greater detail than even the Hubble Space Telescope.
A mirror of 39 metres (129 ft) will be powerful enough to study the atmospheres of extrasolar planets. It will also perform "stellar archaeology" – measuring the properties of the first stars and galaxies, as well as probing the nature of dark matter and dark energy.
Originally planned for 2018,* the observatory is delayed until 2022 due to financial problems.* The mirror is also reduced in size slightly, having previously been 42m.

european extremely large telescope 2018
Credit: ESO

The Large Synoptic Survey Telescope begins full operations
Joining the European Extremely Large Telescope this year is another observatory, the Large Synoptic Survey Telescope (LSST), beginning full operations for a ten-year study.* This wide-field "survey" reflecting telescope is located on the 2,715 m (8,907 ft) Cerro Pachón, a mountain in northern Chile.
The LSST design is unique among large telescopes in having a very wide field of view: 3.5 degrees in diameter or 9.6 square degrees. For comparison, both the Sun and Moon, as seen from the Earth, are 0.5 degrees across or 0.2 square degrees. Combined with its large aperture, this provides it with a spectacularly large collecting power of 319 m²degree². In other words, vast amounts of data can be obtained simultaneously over huge areas of sky.
The observatory has a 3.2 gigapixel camera, taking 200,000 pictures (1.28 petabytes uncompressed) per year, far more than can be reviewed by humans. Managing and effectively data mining this enormous output is among the most technically difficult parts of the project, requiring 100 teraflops of computing power and 15 petabytes of storage. The main scientific goals of the LSST include:
  • Measuring weak gravitational lensing in the deep sky to detect signatures of dark energy and dark matter;

  • Mapping small objects in the Solar System, particularly near-Earth asteroids and Kuiper belt objects;

  • Detecting transient optical events such as novae and supernovae;

  • Mapping the Milky Way.
Data from the telescope (up to 30 terabytes per night) is made available by Google as an up-to-date interactive night-sky map.
The Large Synoptic Survey Telescope 2020 2021 2022 2020s 2032 timeline

Friday, 17 July 2015

Asteroid mining test craft is successfully deployed

Planetary Resources, Inc., the asteroid mining company, announced today that its Arkyd 3 Reflight (A3R) spacecraft was deployed successfully from the International Space Station's (ISS) Kibo airlock and has begun its 90-day mission.

arkyd-3 planetary resources 2015

The A3R demonstration vehicle will validate several core technologies including the avionics, control systems and software, which the company will incorporate into future spacecraft that will venture into the Solar System and prospect for resource-rich, near-Earth asteroids.
The A3R was launched to the ISS onboard a SpaceX Falcon 9 rocket in April as part of the CRS-6 crew resupply mission. "Our philosophy is to test often, and if possible, to test in space. The A3R is the most sophisticated, yet cost-effective, test demonstration spacecraft ever built. We are innovating on every level from design to launch," said Chris Lewicki, president and chief engineer, Planetary Resources, Inc. "By vertically integrating the system at our facility in Redmond, we are in constant control of every component, including the ones we purchase off the shelf and the others that we manufacture using 3D printers."

arkyd-3 planetary resources 2015

Peter H. Diamandis, M.D., co-founder and co-chairman, Planetary Resources, Inc., stated, "The successful deployment of the A3R is a significant milestone for Planetary Resources as we forge a path toward prospecting resource-rich asteroids. Our team is developing the technology that will enable humanity to create an off-planet economy that will fundamentally change the way we live on Earth."
Once the A3R completes its mission, the validated and evolved technologies will be the main components of the Arkyd series of deep-space asteroid-prospecting spacecraft. The next demonstrator, the Arkyd-6 (pictured below), will be launched later this year and will test the attitude control, power, communication and avionics systems.

arkyd-6 planetary resources 2015

Planetary Resources is leveraging the increased payload capacity of the A6 to begin demonstration of core technology to measure resources on water-rich asteroids. Included in the payload is a mid-wave infrared imaging system, able to precisely measure temperature differences of the objects it observes, as well as acquire key data related to the presence of water and water-bearing minerals. The system will first test targeted areas of our own planet before being deployed to near-Earth asteroids on future missions.
Eric Anderson, co-founder and co-chairman, Planetary Resources, Inc., said, "This key technology for determining resources on asteroids can also be applied towards monitoring and managing high-value resources on our home planet. All of our work at Planetary Resources is laying the foundation to better manage and increase humanity's access to natural resources on our planet and in our Solar System."
In related news, the SPACE Act of 2015 was recently passed in the House of Representatives. As Peter explains in the video below, this recognises the rights of U.S. asteroid mining companies to declare mined asteroid resources as property and creates a process for resolving disputes. The Senate is currently reviewing a duplicate version of the House language, S. 976.

  https://youtu.be/oTAD-lsqXqI

Thursday, 16 July 2015

World's first robotic kitchen to debut in 2017

Moley Robotics has unveiled an automated kitchen system, able to scan and replicate the movements of a human chef to produce recipes.


 

The world's first automated kitchen system was unveiled this week at Hanover Messe in Germany – the premier industrial robotics show. Developed by tech firm Moley Robotics, it features a dexterous robot integrated into a kitchen that cooks with the skill and flair of a master chef.
The company's goal is to produce a consumer version within two years, supported by an iTunes-style library of recipes that can be downloaded and created by the kitchen. The prototype at the exhibition is the result of two years development and the collaboration of an international team including Sebastian Conran who designed the cooking utensils and Mauro Izzo, DYSEGNO and the Yachtline company, who created the futuristic kitchen furniture.
Two complex, fully articulated hands, made by the Shadow Robot Company, comprise the kitchen's key enabling technology. The product of 18 years' research and development, Shadow's products are used in the nuclear industry and by NASA. Able to reproduce the movements of a human hand with astonishing accuracy, their utility underpins the unique capability of the automated kitchen.

most advanced robot hand

The Moley Robotics system works by capturing human skills in motion. Tim Anderson – culinary innovator and winner of the BBC Master Chef competition – played an integral role in the kitchen's development. He first developed a dish that would test the system's capabilities – a crab bisque – and was then 3D recorded at a special studio cooking it. Every motion and nuance was captured, from the way Tim stirred the liquids to the way he controlled the temperature of the hob. His actions were then translated into elegant digital movement, using bespoke algorithms. The robot doesn't just cook like Tim – in terms of skill, technique and execution it is Tim producing the dish. The kitchen even 'signs off' its work with an 'OK' gesture – just as the chef does.
"To be honest, I didn't think this was possible," he said. "I chose crab bisque as a dish because it's a real challenge for a human chef to make well – never mind a machine. Having seen – and tasted – the results for myself, I am stunned. This is the beginning of something really significant: a whole new opportunity for producing good food and for people to explore the world's cuisines. It's very exciting."
Moley Robotics, headquartered in the UK, is now working to scale the technology ready for mass production and installation in regular-sized kitchens. Future iterations will be more compact, with smaller control arms but with added functionality in the form of a built-in refrigerator and dishwasher to complement a professional-grade hob and oven.
The company is working with designers, homebuilders, kitchen installers and food suppliers to promote the system. The mass-market product will be supported by a digital library of over 2,000 dishes when it launches in 2017 and it is envisaged that celebrity chefs will embrace 3D cooking downloads as an appealing addition to the cook book market. Home chefs will be able to upload their favourite recipes too, and so help create the 'iTunes' for food.

future technology robot hand kitchen home timeline

Moley Robotics was founded by London-based computer scientist, robotics and healthcare innovator Mark Oleynik. The company's aim is to produce technologies that address basic human needs and improve day-to-day quality of life.
"Whether you love food and want to explore different cuisines, or fancy saving a favourite family recipe for everyone to enjoy for years to come, the Automated Kitchen can do this," says Oleynik. "It is not just a labour saving device – it is a platform for our creativity. It can even teach us how to become better cooks!"
The robotic hands demonstrated this week offer a glimpse of the not-too-distant future, when even greater advances in movement, flexibility, touch and object recognition will have been achieved. Experts believe that near-perfect recreations of human hands, operating in a wide variety of environments, will be possible in just 10 years' time.

The first comprehensive analysis of the woolly mammoth genome

The first comprehensive analysis of the mammoth genome has been completed – revealing a number of traits that enabled the animals to survive the Arctic cold.


woolly mammoths 2015 research
CREDIT: IMAGE COURTESY OF GIANT SCREEN FILMS © 2012 D3D ICE AGE, LLC

2015 is turning out to be a significant year for research on mammoths. In March, DNA from an ancient specimen was spliced into that of an elephant and shown to be functional for the first time. In April, a team sequenced the entire genome of the extinct animal. Following those breakthroughs, it is now reported that scientists have completed the first detailed analysis of the genome, revealing extensive genetic changes that helped mammoths adapt to life during the Ice Age.
The research was published this week in the peer-reviewed journal Cell Reports. It concludes that mammoths possessed genes with striking differences to those found in elephants. These genes played roles in skin and hair development, fat metabolism, insulin signalling and numerous other traits for adaptation in extreme cold environments. Genes linked to physical traits such as skull shape, small ears and short tails were also identified. As a test of their function, a mammoth gene involved in temperature sensation was "resurrected" in the laboratory and its protein product characterised.
“This is by far the most comprehensive study to look at the genetic changes that make a woolly mammoth a woolly mammoth,” says Vincent Lynch, PhD, assistant professor of human genetics at the University of Chicago. “They are an excellent model to understand how morphological evolution works, because mammoths are so closely related to living elephants, which have none of the traits they had.”
Well-studied due to the abundance of skeletons, frozen carcasses and depictions in prehistoric art, these animals possessed long, coarse fur, a thick layer of subcutaneous fat, small ears and tails and a brown-fat deposit behind the neck which may have functioned similar to a camel hump. They last roamed the frigid tundra steppes of northern Asia, Europe and North America roughly 10,000 years ago.

last glacial maximum earth ice
Artist's impression of the northern hemisphere during the last Ice Age. By Ittiz (Own work) [CC BY-SA 3.0], via Wikimedia Commons.

Previous efforts to sequence preserved mammoth DNA were error-prone, or yielded insights into only a limited number of genes. Lynch and his team performed deep sequencing of two specimens to identify 1.4 million genetic variants unique to woolly mammoths. These are now known to have caused changes to the proteins produced by around 1,600 genes.
Of particular interest was a group of genes responsible for temperature sensation, which also play roles in hair growth and fat storage. The team used ancestral reconstruction techniques to “resurrect” the mammoth version of one of these genes, TRPV3. When transplanted into human cells in the lab, the mammoth TRPV3 gene produced a protein that was less responsive to heat than an ancestral elephant version of the gene. This result is supported by experiments with TRPV3 on mice, which prefer colder environments and have wavier hair than normal mice.
However, although the functions of these genes match well with the environment in which woolly mammoths were known to live, Lynch warns that it is not direct proof of their effects in live mammoths. Regulation of gene expression, for example, is extremely difficult to study through the genome alone.
“We can’t know with absolute certainty the effects of these genes unless someone resurrects a complete woolly mammoth, but we can try to infer by doing experiments in the laboratory,” he says. Lynch and his colleagues are now identifying candidates for other mammoth genes to functionally test, alongside planning experiments to study mammoth proteins in elephant cells.
High-quality sequencing and detailed analysis of genomes can serve as a blueprint for efforts to “de-extinct” the woolly mammoth, according to Lynch: “Eventually, we’ll be technically able to do it,” he states. “But the question is: if you’re technically able to do something, should you do it? I personally think no. Mammoths are extinct and the environment in which they lived has changed. There are many animals on the edge of extinction we should be helping instead.”

The Importance of Technology in Economic and Social Development

Mobile technology offers extensive help on various forms of social and economic development. 
Technological innovation and Information Communication Technologies (ICTs) represent a way for developing world nations to foster economic development, improve levels of education and training, as well as address gender issues within society.
Entrepreneurship is crucial for economic development around the world. In countries such as Nigeria, Egypt and Indonesia, micro-entrepreneurs generate 38% of the gross domestic product. Analysis from the World Bank in 2011 indicates that small businesses create a disproportionate share of new jobs. They generate new ideas, new business models, and new ways of selling goods and services.
Wireless technology and ICT infrastructure development is also vital for entrepreneurship and small business development. In many emerging nations, it is a major challenge to gain access to capital and market information. Developing nations specifically do not have functioning infrastructure or much in the way of financial resources.
In sub-Saharan Africa, for example, approximately 29% of roads are paved, barely a quarter of the population has access to electricity, and there are fewer than three landlines available per 100 people. In Indonesia, 75% of the country has household incomes below $2.50 per day. The combination of poor infrastructure and poverty makes it difficult for entrepreneurs to access financial resources and information.
Below is an example of how a basic form of technology – such as a simple mobile phone – has been proved to assist people to communicate with one another, access market information, sell products across geographic areas, reach new consumers, enter mobile payment systems, reduce fraud and crime, and empower women and the disadvantaged.
The Self-Employed Women’s Association (Sewa) in India includes 1.1 million workers who pool their resources to improve their bargaining power. The organisation sends agricultural workers daily SMSs on commodity prices so farmers can determine the best places to sell their products. Those participating say they have been able to market fruits and vegetables over wider areas, and thereby earn higher incomes.
The Ethiopia Commodity Exchange Program (ECEP) has helped entrepreneurs expand their markets. Before 2008, 95% of farmers sold their products in local markets and were not able to access other areas. Transaction costs were high and they had problems getting fair prices due to the lack of market competition. With the advent of the ECEP, agricultural producers gained access to external buyers and were able to negotiate better prices. This boosted their incomes and improved the quality of food products.
The India-based Hand in Hand Partnership (HIHP) enables women to use mobile devices to launch businesses in the technology area. It provides mentorship, training, credit, and technical support.
In Kenya, the Farmers Helpful Network (FHN) gives agricultural producers access to the latest research through their mobile phones. Farmers can ask questions of experts concerning crop rotation, artificial insemination, and crop insurance. This helps them improve their agricultural production and marketing, and increase their overall income.
Access to mobile technology is particularly important for females because there are 300 million fewer women globally than men who own mobile devices. Overall, there is a 21% gender gap in owning a phone worldwide, but this number rises to 23% in Africa, 24% in the Middle East, and 37% in Asia.
Wireless communications also plays an important role in education and training. In Indonesia, the Global Ready eTraining Center program has trained over 1000 students in technology services. Those enrolled get vouchers for a three-month program. More than 95% of the individuals enrolled completed the class, and 75% said the course increased their income as a result of the skills acquired in the program.
A survey undertaken by the United Nations Development Programme (UNDP) found that 55% of women around the world earned additional income due to owning a mobile phone, and 41% increased their income and professional opportunities.
Mobile payment systems represent a way to reduce the cost of financial transactions and thereby help entrepreneurs. If people can transfer funds quickly and efficiently, it becomes easier for small and medium-sized businesses to sell their products. This improves the efficiency of the marketplace and removes barriers to growth.
Reducing “friction” is very important in African, Asian, and Latin American financial markets because barriers to financial transactions remain quite high. Only 30% of those who live in developing African nations have bank accounts.
In short, mobile technology offers extensive help on various forms of social and economic development. Wireless communications broaden access to information, improve capital access, overcome geographic limitations, and expand market access.
With mobile phones and tablets proliferating at a significant rate, these communications tools enable women, in this case the disadvantaged, and other individuals to access a broader range of investors, suppliers, and customers. Combined with social media platforms, people can extend their reach through mobile devices and pool resources in meaningful ways.
- See more at: http://www.fairobserver.com/region/africa/importance-technology-economic-and-social-development/#sthash.xqiQJWhu.dpuf

CHABIMA TECHNOLOGIES

The Importance of Technology in Our Daily Lives

Modern technology has become such an important facet of our lives that without it, the world would be radically different. We use so much technology (things like cell phones, computers, WiFi, cars, etc.) that it has ceased to be the luxury item it was even 10 years ago and has become the basic necessity that it is today. But there are still many people who do not even have the basic access that many of us take for granted.
If you are living on a very low income, things like cars, cell phones, and computers are going to stretch your budget. Cars need gas, maintenance, insurance. Cell phones need payment plans and a computer by itself can cost several hundred dollars. In our society now, if you do not personally own or do not have easy and convenient access, you are going struggle to keep up. For many of my consumers, this is the first time owning a computer. Many are looking for work or are beginning to go back to school. For those who are going to school, finding classes online is very important. Many do not have a car or easy access to public transportation, so being able to access those classes online gives them an opportunity that they may not have had previously.
I know from personal experience what it is like to attend school without a computer, and it was never an easy time. You have to schedule your time around when libraries and computer labs are open so that you can get your work done, and it is not always assured that there will be a space open for you. And the locations where the computers are may not always be easy to get to. During my time studying abroad, I had to take public transportation to a computer lab. Fortunately, the Austrians are known for their transportation systems, so I was only a 20 minute ride and walk away from wherever I had to be. I spent most of my senior year in college without a computer, mostly because I was to lazy to get it fixed after it got a virus. So whenever I had any work to do, I had to drive to the school computer lab. It could get inconvenient and stressful at times to do all this, even considering the fact that I had easy access at all times.
Without something like a personal computer, trying to get a job is very difficult. Many businesses now place ads for positions on the internet, and so it becomes hard for someone to get a job. Other businesses allow for someone to work entirely from home, so being able to get those types of jobs lets a person earn an extra income, and if you are dependent on a single low income, even a little bit can go a long way. For them, it is a great opportunity to get access to technology that they may not have had before. It is important for them to bridge the “technology divide” and for us to help get them there.

The Importance of Technology in Economic and Social Development

Mobile technology offers extensive help on various forms of social and economic development. 
Technological innovation and Information Communication Technologies (ICTs) represent a way for developing world nations to foster economic development, improve levels of education and training, as well as address gender issues within society.
Entrepreneurship is crucial for economic development around the world. In countries such as Nigeria, Egypt and Indonesia, micro-entrepreneurs generate 38% of the gross domestic product. Analysis from the World Bank in 2011 indicates that small businesses create a disproportionate share of new jobs. They generate new ideas, new business models, and new ways of selling goods and services.
Wireless technology and ICT infrastructure development is also vital for entrepreneurship and small business development. In many emerging nations, it is a major challenge to gain access to capital and market information. Developing nations specifically do not have functioning infrastructure or much in the way of financial resources.
In sub-Saharan Africa, for example, approximately 29% of roads are paved, barely a quarter of the population has access to electricity, and there are fewer than three landlines available per 100 people. In Indonesia, 75% of the country has household incomes below $2.50 per day. The combination of poor infrastructure and poverty makes it difficult for entrepreneurs to access financial resources and information.
Below is an example of how a basic form of technology – such as a simple mobile phone – has been proved to assist people to communicate with one another, access market information, sell products across geographic areas, reach new consumers, enter mobile payment systems, reduce fraud and crime, and empower women and the disadvantaged.
The Self-Employed Women’s Association (Sewa) in India includes 1.1 million workers who pool their resources to improve their bargaining power. The organisation sends agricultural workers daily SMSs on commodity prices so farmers can determine the best places to sell their products. Those participating say they have been able to market fruits and vegetables over wider areas, and thereby earn higher incomes.
The Ethiopia Commodity Exchange Program (ECEP) has helped entrepreneurs expand their markets. Before 2008, 95% of farmers sold their products in local markets and were not able to access other areas. Transaction costs were high and they had problems getting fair prices due to the lack of market competition. With the advent of the ECEP, agricultural producers gained access to external buyers and were able to negotiate better prices. This boosted their incomes and improved the quality of food products.
The India-based Hand in Hand Partnership (HIHP) enables women to use mobile devices to launch businesses in the technology area. It provides mentorship, training, credit, and technical support.
In Kenya, the Farmers Helpful Network (FHN) gives agricultural producers access to the latest research through their mobile phones. Farmers can ask questions of experts concerning crop rotation, artificial insemination, and crop insurance. This helps them improve their agricultural production and marketing, and increase their overall income.
Access to mobile technology is particularly important for females because there are 300 million fewer women globally than men who own mobile devices. Overall, there is a 21% gender gap in owning a phone worldwide, but this number rises to 23% in Africa, 24% in the Middle East, and 37% in Asia.
Wireless communications also plays an important role in education and training. In Indonesia, the Global Ready eTraining Center program has trained over 1000 students in technology services. Those enrolled get vouchers for a three-month program. More than 95% of the individuals enrolled completed the class, and 75% said the course increased their income as a result of the skills acquired in the program.
A survey undertaken by the United Nations Development Programme (UNDP) found that 55% of women around the world earned additional income due to owning a mobile phone, and 41% increased their income and professional opportunities.
Mobile payment systems represent a way to reduce the cost of financial transactions and thereby help entrepreneurs. If people can transfer funds quickly and efficiently, it becomes easier for small and medium-sized businesses to sell their products. This improves the efficiency of the marketplace and removes barriers to growth.
Reducing “friction” is very important in African, Asian, and Latin American financial markets because barriers to financial transactions remain quite high. Only 30% of those who live in developing African nations have bank accounts.
In short, mobile technology offers extensive help on various forms of social and economic development. Wireless communications broaden access to information, improve capital access, overcome geographic limitations, and expand market access.
With mobile phones and tablets proliferating at a significant rate, these communications tools enable women, in this case the disadvantaged, and other individuals to access a broader range of investors, suppliers, and customers. Combined with social media platforms, people can extend their reach through mobile devices and pool resources in meaningful ways.
- See more at: http://www.fairobserver.com/region/africa/importance-technology-economic-and-social-development/#sthash.xqiQJWhu.dpuf

The Importance of Technology in Economic and Social Development

Mobile technology offers extensive help on various forms of social and economic development. 
Technological innovation and Information Communication Technologies (ICTs) represent a way for developing world nations to foster economic development, improve levels of education and training, as well as address gender issues within society.
Entrepreneurship is crucial for economic development around the world. In countries such as Nigeria, Egypt and Indonesia, micro-entrepreneurs generate 38% of the gross domestic product. Analysis from the World Bank in 2011 indicates that small businesses create a disproportionate share of new jobs. They generate new ideas, new business models, and new ways of selling goods and services.
Wireless technology and ICT infrastructure development is also vital for entrepreneurship and small business development. In many emerging nations, it is a major challenge to gain access to capital and market information. Developing nations specifically do not have functioning infrastructure or much in the way of financial resources.
In sub-Saharan Africa, for example, approximately 29% of roads are paved, barely a quarter of the population has access to electricity, and there are fewer than three landlines available per 100 people. In Indonesia, 75% of the country has household incomes below $2.50 per day. The combination of poor infrastructure and poverty makes it difficult for entrepreneurs to access financial resources and information.
Below is an example of how a basic form of technology – such as a simple mobile phone – has been proved to assist people to communicate with one another, access market information, sell products across geographic areas, reach new consumers, enter mobile payment systems, reduce fraud and crime, and empower women and the disadvantaged.
The Self-Employed Women’s Association (Sewa) in India includes 1.1 million workers who pool their resources to improve their bargaining power. The organisation sends agricultural workers daily SMSs on commodity prices so farmers can determine the best places to sell their products. Those participating say they have been able to market fruits and vegetables over wider areas, and thereby earn higher incomes.
The Ethiopia Commodity Exchange Program (ECEP) has helped entrepreneurs expand their markets. Before 2008, 95% of farmers sold their products in local markets and were not able to access other areas. Transaction costs were high and they had problems getting fair prices due to the lack of market competition. With the advent of the ECEP, agricultural producers gained access to external buyers and were able to negotiate better prices. This boosted their incomes and improved the quality of food products.
The India-based Hand in Hand Partnership (HIHP) enables women to use mobile devices to launch businesses in the technology area. It provides mentorship, training, credit, and technical support.
In Kenya, the Farmers Helpful Network (FHN) gives agricultural producers access to the latest research through their mobile phones. Farmers can ask questions of experts concerning crop rotation, artificial insemination, and crop insurance. This helps them improve their agricultural production and marketing, and increase their overall income.
Access to mobile technology is particularly important for females because there are 300 million fewer women globally than men who own mobile devices. Overall, there is a 21% gender gap in owning a phone worldwide, but this number rises to 23% in Africa, 24% in the Middle East, and 37% in Asia.
Wireless communications also plays an important role in education and training. In Indonesia, the Global Ready eTraining Center program has trained over 1000 students in technology services. Those enrolled get vouchers for a three-month program. More than 95% of the individuals enrolled completed the class, and 75% said the course increased their income as a result of the skills acquired in the program.
A survey undertaken by the United Nations Development Programme (UNDP) found that 55% of women around the world earned additional income due to owning a mobile phone, and 41% increased their income and professional opportunities.
Mobile payment systems represent a way to reduce the cost of financial transactions and thereby help entrepreneurs. If people can transfer funds quickly and efficiently, it becomes easier for small and medium-sized businesses to sell their products. This improves the efficiency of the marketplace and removes barriers to growth.
Reducing “friction” is very important in African, Asian, and Latin American financial markets because barriers to financial transactions remain quite high. Only 30% of those who live in developing African nations have bank accounts.
In short, mobile technology offers extensive help on various forms of social and economic development. Wireless communications broaden access to information, improve capital access, overcome geographic limitations, and expand market access.
With mobile phones and tablets proliferating at a significant rate, these communications tools enable women, in this case the disadvantaged, and other individuals to access a broader range of investors, suppliers, and customers. Combined with social media platforms, people can extend their reach through mobile devices and pool resources in meaningful ways.
- See more at: http://www.fairobserver.com/region/africa/importance-technology-economic-and-social-development/#sthash.xqiQJWhu.dpuf