????USAID太子港辦事處的副主任史蒂夫?奧列佛曾經與比爾和梅琳達蓋茨基金會（the Bill and Melinda Gates Foundation）一起推動這個項目在海地的啟動，他說：“移動錢包在海地的推出是一個巨大的成功。它使那些之前接觸不到銀行系統的人也能用上金融產品了。”

????Tcho Tcho在當地的克里奧爾語里的意思是“零花錢”的意思。最新版本的TchoTcho是在2011年的海地7.0級大地震后推出的。

????國內匯款、工資支付和基本的銀行服務是Tcho Tcho占領的第一個陣地。事實很快證明，它讓海地人擁有了隨時隨地通過手機向他人匯款的能力，而不需要用銀行作為中介，因此它很快成了一款殺手級應用。而在過去，人們必須要在銀行排起長隊，還得支付昂貴的電匯費用，才能把現金匯給國內的家人或某個朋友。而現在，海地人最多可以通過手機支付25美元，同時只要繳納15美分的短信費用。（為了提高使用率，Digicel允許用戶每天可以免費匯款三次，每次最多匯2.5美元。）

????國內匯款已經成了海地Digicel公司最重要的一項業務，每年通過Tcho Tcho平臺接收和匯出的資金達到了9.6億美元。

????發展到現在，這項服務已經涵蓋了移動繳費、定點購物等服務，而且在西聯（Western Union）等中間機構的幫助下，用戶很快還將可以通過手機接收海外匯款。

????不過最近一年里，TchoTcho最大的成就在于它還能夠發放人道主義援助，而這個功能已經改善了好幾萬人的生活。它早期參與的一些項目包括美國國際開發署的“食物換和平”計劃以及聯合國發起的旨在幫海地人維修房屋的CARMEN項目，另外還有海地政府發起的Ti Manman Cheri項目，主要是向家里有學生的貧困婦女發放生活補助。

????這些項目中，受幫助者都獲得了一部手機和一個TchoTcho賬戶，而且賬戶內每月都可以自動收到電子代金券。他們可以使用這些代金券換取食雜品和其它日用品，這樣一來就避免了災民擠爆物資配送中心或是排長隊、物資被盜或被侵吞的風險。

????TchoTcho是Digicel集團旗下最先進的移動錢包解決方案，它是否會在其它國家推出呢？它是否會在全球范圍內成為一種自動化提供社會救助和人道救援的新模式？夏普說：“海地是一個孵化器，我們在這里學到的經驗也將會被應用到其他國家。”

????摩根大通的斯坦菲爾德認為：“一旦他們推出了一項成功的服務，Digice通常會嘗試把它復制到其他市場。”

????夏普的海地妻子保拉上個月剛給他生了一個兒子，取名叫昆丁。夏普要想讓TchoTcho的服務像它標志性的橙色雨傘一樣在海地無所不在，就必須要把本地代理零售商網絡的規模至少擴大到現在的三倍。要想在九個月里達到這個目標，對于海地這樣一個充斥著不安定因素的國家來說，不知道是否太難了？

????夏普說：“Digicel是一個營銷機器，我們總是能找到實現目標的方法。”（財富中文網）

????譯者：樸成奎??

????"The fact that a mobile wallet was launched at all in Haiti is a huge success," says Steve Olive, deputy director of USAID's Port-au-Prince office, who helped jumpstart the initiative along with the Bill and Melinda Gates Foundation. "It's making financial products available to people who were previously outside the banking system."

????The latest version of TchoTcho -- which means "pocket money" in the local Creole dialect -- was launched in 2011 in the wake of the devastation surrounding the 7.0-magnitude earthquake.

????Domestic money transfers, payroll, and basic banking services were first to go live. It immediately became apparent that giving Haitians the ability to instantly transfer money from one mobile phone to another -- anywhere in the country without a banking intermediary -- was a killer app. Whereas before, people had to endure long bank lines and pay for expensive wire transfers to send cash from the city to family or a friend in the country, Haitians could now remit up to $25 with a few simple text commands for just 15 cents. (To boost adoption rates, Digicel allows customers to transfer up to $2.50 three times a day for free.)

????Domestic transfers have become a huge hit for Digicel Haiti, with $960 million being sent and received each year on the TchoTcho platform.

????The service has since expanded to include mobile bill-payment and point-of-sale purchases and will soon allow customers to receive international remittances on their handsets, bypassing middlemen such as Western Union.

????But it's the ability to distribute humanitarian aid that is perhaps TchoTcho 's biggest accomplishment of the last 12 months because it is has already changed tens of thousands of lives. The USAID's Food for Peace and the UN's CARMEN program for housing repair are among the early adopters, along with the Haitian government's Ti Manman Cheri, which pays a monthly stipend to poor women who keep their children in school.

????In all cases recipients are provided with a mobile phone and a TchoTcho account so they can automatically receive monthly e-vouchers that they redeem for groceries or other supplies, circumventing distribution centers, long lines, and risk of theft or misappropriation. "E-vouchers keep things much tighter because you can track how aid is spent," says Karl O'Conner, a Dubliner in charge of special projects. "If you distribute cash, there are no guarantees."

????Will TchoTcho, Digicel Group's most advanced mobile-wallet solution to date, be rolled out in other countries where it does business? And could it become the model for the automated distribution of social and humanitarian aid worldwide? "Haiti is an incubator," says Sharpe. "What we learn here will be used in other countries."

????Says J.P. Morgan's Steinfeld: "Once they introduce a successful service, Digicel Group will usually try to replicate it in other markets."

????In the meantime Sharpe, whose Haitian wife Paula last month gave birth to son Quentin, has to figure out how to expand his network of agent retailers by a factor of at least three. That's what it will take if TchoTcho is to become as ubiquitous as the orange Digicel umbrellas that protect company reps selling airtime from the hot Port-au-Prince sun. Is that too big a mountain to climb in nine short months in a country with few sure bets?

????"Digicel is a marketing machine," says Sharpe. "We always find a way to get where we need to be."??