POLO! David Ngene

I based my concept loosely on the idea of playing Marco Polo, hence the name Polo.

Current Initiatives:


David Ngene & Wei Chen: Mobile & Community

#10 Community

ZADISHA https://www.zidisha.org/

Zidisha is a nonprofit organization providing a Peer-to-Peer Microlending Service to connect individual lenders directly with microfinance entrepreneur borrower in low-income countries (Burkina Faso, Indonesia, Kenya and Senegal) without intermediaries.


1.By lending to an entrepreneur, lenders are not only investing in the entrepreneur’s business, but are also investing in that borrower’s family and community.

2. If any Zidisha member is not completely satisfied with our performance, Zidisha will immediately refund 100% of the lender credit uploads, donations and service fees paid by that member.

3.Donations made to Zidisha are tax-deductible in the United States.



Borrowers must go through a rigorous background check to ensure both the legitimacy of the business and the ability to repay the loan by contracting with local financial institutions and credit.


The borrowing process begins by applying. A potential borrower will be asked to provide background information on his/her business and financial history. Once approved, he/her will then be able to create a loan application on our website, describing your business and the purpose of the loan.


The total cost to the borrower is the 5% transaction fee, plus the weighted average interest rate bid by lenders financing the loan.

The new borrower registration fee covers initial credit history confirmation costs, as well as orientation and training in the use of the Zidisha website. It is applied only to a borrower’s first loan, and only if the loan is funded.


If a loan is not fully funded by the expiration date, then funds that had been pledged are returned to lenders, and the applicant may start over with a new loan proposal.



Lenderssign up for a free membership on website. Once creating account, a lender can then browse listings of available loan opportunities, choosing one or more that the lender would like to fund. He/she can make a bid for any portion of the loan (including proposing his/her own interest rate).

Lenders in the US may deposit funds into their Zidisha accounts via e-check (ACH debit), check, bank transfer, or PayPal. Lenders outside of the US may upload funds via bank transfer or PayPal.


1.A borrower logs into Zidisha and posts a loan request to help fund his/her business.

2.A lender selects an available loan and bids to provide all or part of the funding.

3.Lenders propose their own interest rate for the funds that they offer to loan.

4.100% of the lender’s loan is disbursed directly to the borrower’s business.

5.Lenders and borrowers can stay in touch on the impact of the loan.

6.Loans are repaid in monthly installments and can be reinvested immediately.


Zidisha does not guarantee repayment of loans. However, ZIdisha attempt to decrease the likelihood of default by independently checking the borrowers’ credit histories and repayment performance before allowing them to raise loans through our site.

And if the borrower fails to repay for various reasons, if needed, Zidisha may request mediation from the local community leader who recommended the borrower to Zidisha. As a last resort, Zidisha may opt to pursue legal action following local regulations in each country.

David Ngene & Wei Chen: Mobile & Community

#13 Mobile


What is Twilio? www.twilio.com

Twilio is a cloud communications company based in California. Twilio allows software developers to make and receive phone calls and send and receive text messesges using its development software. Twilio’s services are accessed over HTTP and are billed based on usage.

How does Twilio Work?

Twilio converts phone calls to the programming code of your choice (c++, .net, Java, php, ruby, etc.). You can record messages and set up dialing systems purely with code, without actually recording a live voice. This allows the user to set up complex automated call systems quickly and easily.


How is this service applied in the real world?

Call Centers, workflow automation, phone call screening and monitoring, call pushing and routing

People who would utilize this service?

Software developers, programmers, startups, small to mid-size corporations

What features attract clients?

On-demand phone numbers, speech-to-text, call queues, play audio and text, teleconferencing, API queueing, audio recording

This software has the potential to eliminate expensive call centers utilizing software rather than workers. Potential cost saving are substantial.


  • Twilio utilizes a website and cloud computing
  • Employs a staff of programmers, developers, designers


1. Create a Twilio account

2. Follow the prompts to quickly create an app that makes phone calls.

3. Start using the service, paying for features upon usage.


Twilio strives to create a simple “plug-and-play” environment with their product that grants the user maximum flexibility to pick and choose services that fit their particular needs.

In the end, the user feels in control of their services leading to less headaches and improved loyalty.