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題。 So in California, everybodyamp。39。s really excited about a little square of plastic that you plug into a phone and you can swipe your credit card, and people say, amp。quot。Weamp。39。ve liberated the credit card from the point of sale terminal.amp。quot。 Fantastic. Why do you even need a credit card? In Africa, weamp。39。ve been doing that for years, and weamp。39。ve been doing it on phones like this. This is a picture I took at a place called Kitengela, about an hour south of Nairobi, and the thing thatamp。39。s so remarkable about the payment system thatamp。39。s been pioneered in Africa called MPesa is that it works on phones like this. It works on every single phone possible, because it uses SMS. You can pay bills with it, you can buy your groceries, you can pay your kidsamp。39。 school fees, and Iamp。39。m told you can even bribe customs officials. (Laughter) Something like 25 million dollars a day is transacted through MPesa. Forty percent of Kenyaamp。39。s GDP moves through MPesa using phones like this. 在加利福尼亞州,每個人都很興奮于一個可以插進電話的塑料小方塊。你可以使用這個工具刷你的信用卡,人們說,amp。quot。我們已經(jīng)從銷售終端解放了信用卡amp。quot。很好。但為什么你還需要一張信用卡?在非洲,我們做這個很多年了,并且我們在像這樣的手機上使用它。這是我在基坦吉拉照的一張照片,基坦吉拉位于內(nèi)羅畢南部約一小時路途處,對支付系統(tǒng)做出舉世矚目貢獻的是非洲率先使用的移動銀行移動銀行可以在這樣的手機上都可以使用。它適用于幾乎每個電話,因為它適用短信服務(wù)。你可以用它支付賬單,你可以用它購買食品,你可以用它支付孩子的學(xué)費,有人告訴我,你甚至可以用它賄賂海關(guān)官員。(笑聲)每天約有2500萬美金通過移動銀行交易處理。占肯尼亞國內(nèi)生產(chǎn)總值的40%,在這樣的手機上,通過移動銀行流動。 And you think this is just a feature phone. Actually itamp。39。s the smartphone of Africa. Itamp。39。s also a radio, and itamp。39。s also a torch, and more than anything else, it has really superb battery life. Why? Because thatamp。39。s what we need. We have really severe energy problems in Africa. By the way, you can update Facebook and send Gmail from a phone like this. 你以為這只是一只功能手機。實際上它是非洲的智慧型手機。它也是一臺收音機,它也是一個火把,最重要的是,它有超長的電池壽命。為什么呢?因為那是我們真正需要的。在非洲我們有很嚴重的能源問題。順便說一下,用這樣的手機,你可以更新臉書,從谷歌郵箱發(fā)送郵件。 So we have found a way to use the available technology to sen