Add banking to the growing list of things your cell phone can do.

A September special report in the Economist took a look at the expanding use of mobile banking in Africa and explained how it could play a large part in improving personal financial stability in the region. In essence, here's how it works:

You take your cash to a mobile banking agent and tell the agent that you want to send money to a friend or family member. They credit your mobile banking account. Once the funds are available, you transfer money by sending a text message to whomever you want. The recipient then goes to his or her local agent to access the transferred money. People can even pay utilities or pay for cab rides with the service.

There is a strong correlation between the increase in a developing nation's cell phone use and it's rise in GDP, notes the World Bank. Mobile money offers similar effects on the individual level. A study by researchers at the University of Edinburgh found that users of the Kenyan mobile money service M-PESA have seen a 5 to 30 percent increase in their incomes since the service began in 2007.

One reason for this is the increased convenience that M-PESA offers. Like many men in Kenya, Nairobi resident David Omuchilili used to have to take time off from work and pay for travel costs to deliver money to his family, whose village is nearly 200 miles away. With M-PESA, he is now able to avoid the traveling and can be more available for work, as he explains to Business Week.

Mobile money transfers also offers a safer, more reliable way to send cash. Citizens without the means for traveling no longer have to take the risk of giving an envelope full of cash to a middleman — like a bus driver — and telling him where to deliver it. In the aftermath of the 2008 Kenyan election, M-Pesa was used to send money to those trapped by the rampant violence.

One thing is for certain. As mobile banking continues to grow in popularity and scale, users will find opportunities for better financial stability.

Example of a user-based interactive map. Photo: whiteafrican (flickr)

Imagine being an aid worker isolated in rural Zimbabwe, where the worst cholera outbreak in 15 years has claimed more than 4,000 lives in recent months. You and your relief network are sprinkled across the country and the epidemic is evolving every day. How do you decide where help is most needed and coordinate your response?

What if there were a way to connect almost instantaneously by sending a text message to a website that indicated your location, status and needs on a map available to anyone in the world? This is what organizations like WikiMapAid are trying to make happen. Many humanitarian organizations are considering these user-based mapping systems, some of which integrate Twitter, SMS, email and collaborative wiki software to create interactive maps that track everything from poverty and infectious disease to natural disasters and political protests.

Using mapping systems in aid work is nothing new — more complex systems like GIS have been used in both governmental and NGO aid work in the development field for years. But there are limits to these mapping systems: They often take a long time to generate and distribute, which means they are not always up-to-date, nor are they accessible or user-friendly to the general public — especially in the developing world.

More simple user-based mapping technologies may be able to solve some of these problems. Proof of the potential are successful projects like Ushahidi, a text message–based mapping website that was used to monitor post-election violence in Kenya last year, or Al Jazeera's similar "crowdsourced" website, the War on Gaza.

The technology is catching on in the relief sector. Last week Reuters AlertNet hosted a workshop to discuss "how the aid world can use maps to communicate, advocate and plan for disasters" — seeking advice from both aid organizations that have used complex mapping systems for a long time, such as Map Action, and new wiki user-based mappers like Open Street Map and InSTEDD GeoChat.

There are definitely problems with newer mapping systems. One big one is possibly unreliable information. Some websites are going beyond content moderation and developing algorithms to rate their users' integrity based on whether other users have tagged the information as bunk. Others, such as HealthMap, have tried to confront the problem of legitimacy by generating content from diverse sources — NGOs, the media, government and individual users — in the hopes of being able to cross-check information.

But these websites also take time to generate enough content to be useful. And while many people in the developing world have access to cell phones to send input to these websites, few have reliable access to the internet to view the maps.

Problems aside, user-based maps certainly hold appeal. Part of it lies in their ability to empower everyday people to connect and speak out in times of crisis. This technology can be — and already has been — incredibly useful for reporting on conflicts where the media is not allowed. And in the aid world, it offers the possibility of swift action, unhindered by bureaucracy or lack of infrastructure.