you instantly learn to get more value from limited resources

很快你就學會從有限資源中獲取更多價值，

and find creative ways to reuse what you already have.

學會發掘新意，重複利用已有資源。

Take Mansukh Prajapati, a potter in India.

曼蘇克•帕佳帕提是一位印度陶匠。

He has created a fridge made entirely of clay

他發明了一種冰箱，僅用粘土製成，

that consumes no electricity.

無需使用電力。

He can keep fruits and vegetables fresh for many days.

新鮮蔬果可以儲存許多天。

That's a cool invention, literally.

這可是酷斃了的發明。

In Africa, if you run out of your cell phone battery, don't panic.

要是你身處非洲，手機沒電，不用驚慌。

You will find some resourceful entrepreneurs

你會碰見一些法寶多多的企業家。

who can recharge your cell phone using bicycles.

他們可以用單車來幫你的手機充電。

And since we are in South America,

既然我們現在身處南美，

let's go to Lima in Peru,

我們就看看秘魯的首都利馬。

a region with high humidity

該地區濕度高，

that receives only one inch of rainfall each year.

但每年降雨量只有一英寸（約25.4毫米）。

An engineering college in Lima designed a giant advertising billboard

利馬一所工學院設計了一座大型露天廣告牌，

that absorbs air humidity and converts it into purified water,

能夠吸收濕氣中的水分，轉化成純淨水。

generating over 90 liters of water every day.

每天可以生產超過 90 公升水。

The Peruvians are amazing.

秘魯人很厲害。

They can literally create water out of thin air.

他們可以「無中生有」， 從空氣中變出水。

For the past seven years,

過去七年裡，

I have met and studied hundreds of entrepreneurs

我遇見過、研究過數以百計的企業家，

in India, China, Africa and South America, and they keep amazing me.

遍布印度、中國、非洲、南美洲， 他們讓我驚嘆不已。

Many of them did not go to school.

他們當中許多都沒上過學校。

They don't invent stuff in big R&D labs.

他們的發明不是 在大型研發中心裡誕生的。

The street is the lab.

大街大巷，就是他們的實驗室。

Why do they do that?

為什麼他們要這樣？

Because they don't have the kind of basic resources we take for granted,

因為我們理所當然 擁有的基本資源，他們沒有。

like capital and energy,

譬如資本、能源，

and basic services like healthcare and education

還有醫療保險和教育之類的基本資源，

are also scarce in those regions.

在那些地區少之又少。

When external resources are scarce, you have to go within yourself

既然外在的資源遙不可及， 你就必須靠自己，

to tap the most abundant resource, human ingenuity,

利用最豐富的資源——人類智慧，

and use that ingenuity to find clever ways to solve problems with limited resources.

去尋找聰明的辦法， 運用有限資源去解決問題。

In India, we call it Jugaad.

在印度，我們稱之為「組加」（Jugaad）

Jugaad is a Hindi word

「組加」在印度語中意為

that means an improvised fix, a clever solution born in adversity.

在毫無準備的情況下解決問題， 在逆境中應運而生的智慧方案。

Jugaad solutions are not sophisticated or perfect,

組加方案不複雜、也不是完美無缺，

but they create more value at lower cost.

但是可以用更低的成本，創造更多的價值。

For me, the entrepreneurs who will create Jugaad solutions

在我看來，創造組加方案的企業家

are like alchemists.

就像煉金術師一樣神奇。

They can magically transform adversity into opportunity,

他們可以將逆境神奇地轉化為機遇，

and turn something of less value into something of high value.

將原來低價值的事物變成高價值。

In other words, they mastered the art of doing more with less,

他們以更少價值創造更多價值， 「組加」游刃有餘，

which is the essence of frugal innovation.

這就是節儉發明的精髓。

Frugal innovation is the ability to create more economic and social value

節儉發明，指能夠用更少的資源

using fewer resources.

創造更經濟優惠的社會價值。

Frugal innovation is not about making do; it's about making things better.

節儉發明的目的，不是湊合著使用資源， 而是讓世界變得更美好。

Now I want to show you how, across emerging markets,

現在我想向各位展示，在新興市場上，

entrepreneurs and companies are adopting frugal innovation on a larger scale

企業家和公司是如何大量使用節儉發明

to cost-effectively deliver healthcare and energy to billions of people

向數以十億計的低收入高志向人群

who may have little income but very high aspirations.

提供高性價比的醫療保險和能量。

Let's first go to China,

我們首先看看中國。

where the country's largest I.T. service provider, Neusoft,

中國最大的資訊科技 服務供應商東軟集團

has developed a telemedicine solution

研發了一套遠程醫療方案

to help doctors in cities remotely treat old and poor patients

幫助城市中的醫生遠程治療

in Chinese villages.

山村裡年老貧窮的病人。

This solution is based on simple-to-use medical devices

這套方案主要使用容易操作的醫療設備，

that less qualified health workers like nurses can use in rural clinics.

農村診所的護士等普通醫療人員也能使用。

China desperately needs these frugal medical solutions

中國亟需這樣的節儉醫療方案，

because by 2050 it will be home to over half a billion senior citizens.

因為到了 2050 年， 老年人口會達過五億。

Now let's go to Kenya,

現在我們來看看肯亞，

a country where half the population uses M-Pesa, a mobile payment solution.

該國一半人都在用一種 叫 M-Pesa 的手機付款方式。

This is a great solution for the African continent

在非洲大陸，這是相當了不起，

because 80 percent of Africans don't have a bank account,

因為 80% 的非洲人都沒有銀行帳戶，

but what is exciting is that M-Pesa is now becoming the source

令人振奮的是，目前在能源等領域中

of other disruptive business models in sectors like energy.

M-Pesa 已成為其他顛覆性經營模式的資源。

Take M-KOPA, the home solar solution that comes literally in a box

舉例來說，M-KOPA 是一盒太陽能家庭設備，

that has a solar rooftop panel, three LED lights,

其中包括太陽能面板、三盞 LED 燈、

a solar radio, and a cell phone charger.

太陽能接收器、手機充電器。

The whole kit, though, costs 200 dollars, which is too expensive for most Kenyans,

整套設備大約是 200 美元， 對於肯亞大眾來說太貴了。

and this is where mobile telephony can make the solution more affordable.

而手機卻可以讓大家都買得起這套設備。

Today, you can buy this kit by making an initial deposit of just 35 dollars,

今天，只要首付 35 美金， 就可以購買這套設備，

and then pay off the rest by making a daily micro-payment of 45 cents

剩下的可以通過手機， 每天分期支付 45 美分。

using your mobile phone.

第 365 次付款完成之後， 系統就會解鎖，

Once you've made 365 micro-payments, the system is unlocked,

你就擁有這個產品， 開始享受免費的環保電能。

and you own the product and you start receiving clean, free electricity.

在肯亞，這套方案相當出眾，

This is an amazing solution for Kenya,

因為 70% 的人日常生活 在沒有電能的條件下。

where 70 percent of people live off the grid.

這也證明了，憑藉節儉發明，

This shows that with frugal innovation

你可以利用最豐富的資源，譬如手機網路，

what matters is that you take what is most abundant, mobile connectivity,

去解決短缺問題，譬如能源。

to deal with what is scarce, which is energy.

憑藉節儉發明，南部地區在真正地接近、

With frugal innovation, the global South is actually catching up

甚至超越北部地區的發展。

and in some cases even leap-frogging the North.

在中國，遠程醫療取代了昂價的醫院工程，

Instead of building expensive hospitals, China is using telemedicine

為數以百萬計的病人 提供符合成本效益的治療，

to cost-effectively treat millions of patients,

在非洲，不是去建新的銀行和電網，

and Africa, instead of building banks and electricity grids,

而是直接用手機支付和分散式的乾淨能源。

is going straight to mobile payments and distributed clean energy.

節儉發明，與我們北部地區的 發明方式截然不同。

Frugal innovation is diametrically opposed to the way we innovate in the North.

我住在矽谷，

I live in Silicon Valley,

那裡的人一直追求了不起的新技術。

where we keep chasing the next big technology thing.

想想 iPhone 5、6、7、8。

Think of the iPhone 5, 6, then 7, 8.

西方企業投資數以十億計美元在研發上，

Companies in the West spend billions of dollars investing in R&D,

利用數以噸計的自然資源 來創造更加複雜的產品，

and use tons of natural resources to create ever more complex products,

就是為了讓自己的品牌在競爭中突圍而出，

to differentiate their brands from competition,

然後借著這些新功能向顧客收取更多費用。

and they charge customers more money for new features.

因此，西方傳統商業模式 是以更多價值換取更多價值。

So the conventional business model in the West is more for more.

但不幸的是這種模式要走到盡頭了。 原因有三：

But sadly, this more for more model is running out of gas, for three reasons:

第一，西方的大量顧客

First, a big portion of customers in the West

由於消費力日漸減弱

because of the diminishing purchasing power,

不再買得起這些高價產品。

can no longer afford these expensive products.

第二，自然水資源和石油資源在不斷耗盡。

Second, we are running out of natural water and oil.

我居住在加州， 那裡的水資源缺乏問題越來越嚴重。

In California, where I live, water scarcity is becoming a big problem.

第三，也是最重要的，

And third, most importantly,

西方富人和中產階級之間的 收入差距越來越大，

because of the growing income disparity

已有的產品服務與顧客的基本需要

between the rich and the middle class in the West,

越來越不相關。

there is a big disconnect between existing products and services

在座是否知道，

and basic needs of customers.

目前有逾七千萬美國人沒有得到足夠的金融服務，

Do you know that today,

因為已有的銀行服務

there are over 70 million Americans today who are underbanked,

不是為了滿足他們的基本需求而設計的。

because existing banking services

西方的經濟危機揮之不去，讓大眾以為

are not designed to address their basic needs.

他們就要失去高生活標準，

The prolonged economic crisis in the West is making people think

即將面臨貧困問題。

that they are about to lose the high standard of living

我認為，西方持續發展和繁榮的唯一出路是

and face deprivation.

我們要學會用更少價值創造更多價值。

I believe that the only way we can sustain growth and prosperity in the West

好消息是，這已經開始發生。

is if we learn to do more with less.

數家西方企業正在通過節儉發明，

The good news is, that's starting to happen.

為西方消費者創造經濟實惠的產品。

Several Western companies are now adopting frugal innovation

我為大家舉兩個例子。

to create affordable products for Western consumers.

首次看到這座建築，

Let me give you two examples.

我以為這是一座後現代房子。

When I first saw this building,

但實際上這是丹璐·格萊珉 設計的一座小型生產房，

I told myself it's some kind of postmodern house.

是穆罕默德·尤努斯的格萊珉銀行

Actually, it's a small manufacturing plant set up by Grameen Danone,

以及丹璐跨國食品公司的合資企業，

a joint venture between Grameen Bank of Muhammad Yunus

目的是在孟加拉製作高質優格。

and the food multinational Danone

該廠房只有丹璐其他廠房的十分之一大，

to make high-quality yogurt in Bangladesh.

工程花費小。

This factory is 10 percent the size of existing Danone factories

我想大家可以稱之為「低脂」廠房。

and cost much less to build.

西方廠房高度自動化，但目前該廠房

I guess you can call it a low-fat factory.

為了給當地社區帶來就業，主要依賴手工製作。

Now this factory, unlike Western factories that are highly automated,

丹璐對這種模式相當有信心，

relies a lot on manual processes in order to generate jobs for local communities.

因為該模式結合經濟效益和社會永續性發展，

Danone was so inspired by this model

於是計劃在世界其他地方建立該模式。

that combines economic efficiency and social sustainability,

現在大家看著這個例子，

they are planning to roll it out in other parts of the world as well.

可能在想：「噢，節儉發明就是技術含量低。」

Now, when you see this example,

實際不是這樣。

you might be thinking, "Well, frugal innovation is low tech."

節儉發明同時也是將高科技

Actually, no.

帶給更多人、變得更經濟實惠、更大眾化。

Frugal innovation is also about making high tech

我為大家舉一個例子。

more affordable and more accessible to more people.

在中國，西門子醫療保健公司的研發工程師

Let me give you an example.

設計了一款容易操作的電腦斷層掃描儀，

In China, the R&D engineers of Siemens Healthcare

就連護士、技師等 普通資格醫療人員也可以使用。

have designed a C.T. scanner that is easy enough to be used

這部設備每天可以掃描更多病人，

by less qualified health workers, like nurses and technicians.

並且消耗更少能源，

This device can scan more patients on a daily basis,

對於醫院來說是福音， 對於病人來說也是福音，

and yet consumes less energy,

因為治療費用可以降低 30%，

which is great for hospitals, but it's also great for patients

輻射劑量可以降低最多 60%。

because it reduces the cost of treatment by 30 percent

該方案最初是為中國市場而設計的，

and radiation dosage by up to 60 percent.

但目前在美國和歐洲也在熱賣，

This solution was initially designed for the Chinese market,

因為當地的醫院亟需 以更低成本提供高質服務。

but now it's selling like hotcakes in the U.S. and Europe,

但是在西方，節儉發明革命

where hospitals are pressured to deliver quality care at lower cost.

實際上是由創意企業家引導的，

But the frugal innovation revolution

他們不斷構思出突破方案，

in the West is actually led by creative entrepreneurs

來滿足美國和歐洲地區的基本需求。

who are coming up with amazing solutions

我為大家快速講述三個 極其啟發我的創業例子。

to address basic needs in the U.S. and Europe.

第一個碰巧是我在矽谷的鄰居推出的，

Let me quickly give you three examples of startups

名為「農生」(gThrive)。

that personally inspire me.

他們製造這些無線感應器， 設計像膠尺，

The first one happens to be launched by my neighbor in Silicon Valley.

實際上是給農民扎在農地各處

It's called gThrive.

用來收集各種訊息，譬如土壤環境。

They make these wireless sensors designed like plastic rulers

這些動態數據 能讓農民優化使用水能源，

that farmers can stick in different parts of the field

又可以提高產品和農田的質量，

and start collecting detailed information like soil conditions.

對於嚴重缺水的加州來說， 是相當了不起的發明。

This dynamic data allows farmers to optimize use of water energy

該發明在一年內就回本。

while improving quality of the products and the yields,

第二個例子是「必寳」(Be-Bound)，也出自矽谷。

which is a great solution for California, which faces major water shortage.

該發明可讓你在沒有寬頻、 無線網路、3G、4G 的地方，

It pays for itself within one year.

都可以連接到網路。

Second example is Be-Bound, also in Silicon Valley,

他們怎樣做到？

that enables you to connect to the Internet

他們使用的不過是簡訊，

even in no-bandwidth areas where there's no wi-fi or 3G or 4G.

技術雖簡單，但確實在全球最可靠、最普遍。

How do they do that?

今天有三十億手機用戶無法使用網路。

They simply use SMS, a basic technology, but that happens to be the most reliable

該方案可以讓他們省錢地連上網。

and most widely available around the world.

在法國，有家新興企業 叫「剛立閣」(Compte Nickel)

Three billion people today with cell phones can't access the Internet.

在不斷改革銀行金融機構。

This solution can connect them to the Internet in a frugal way.

大眾可以隨意走進小商店，

And in France, there is a startup calle Compte Nickel,

五分鐘內就可以啟用兩種產品服務：

which is revolutionizing the banking sector.

國際銀行帳戶號碼和國際銀行扣帳卡。

It allows thousands of people to walk into a Mom and Pop store

他們僅收取 20 歐元年費。

and in just five minutes activate the service that gives them two products:

也就是說，你可以進行所有銀行交易，

an international bank account number and an international debit card.

轉款、收錢、扣帳卡付款等等，

They charge a flat annual maintenance fee of just 20 Euros.

統統都無需額外的手續費。

That means you can do all banking transactions --

這就是我所稱的 無銀行的低成本銀行服務。

send and receive money, pay with your debit card --

讓我們吃驚的是， 使用該服務的 75% 顧客

all with no additional charge.

是法國中產階級人士， 給不起昂貴銀行費用。

This is what I call low-cost banking without the bank.

關於節儉發明的例子， 我已經講了很多，

Amazingly, 75 percent of the customers using this service

最初是在南部地區開拓， 現正為北方地區採納。

are the middle-class French who can't afford high banking fees.

最終，我們希望看見

Now, I talked about frugal innovation, initially pioneered in the South,

發達國家和發展中國家

now being adopted in the North.

齊手合作，共同創造節儉方案，

Ultimately, we would like to see

讓全人類受益。

developed countries and developing countries

令人振奮的是，這已開始發生了。

come together and co-create frugal solutions

我們去看看肯亞的首都奈洛比。

that benefit the entire humanity.

奈洛比的交通堵塞相當惡劣。

The exciting news is that's starting to happen.

我第一次看見的時候就想： 「塞得可夠牛的。」

Let's go to Nairobi to find that out.

沒錯，因為在奈洛比開車你得避著牛群。

Nairobi has horrendous traffic jams.

為了改善狀況，

When I first saw them, I thought, "Holy cow."

肯亞 IBM 實驗室的工程師 正在試用一套名為「馬架飛」(Megaffic) 的方案。

Literally, because you have to dodge cows as well when you drive in Nairobi.

該方案最初由日本工程師設計。

To ease the situation,

與西方不同的是， 馬架飛不依賴路側感應器，

the engineers at the IBM lab in Kenya are piloting a solution called Megaffic,

因為在奈洛比太貴了。

which initially was designed by the Japanese engineers.

他們從奈洛比街道的 幾個低解析度攝影機

Unlike in the West, Megaffic doesn't rely on roadside sensors,

收集並處理影像和交通數據，

which are very expensive to install in Nairobi.

然後使用分析軟體，預測交通高峰期，

Instead they process images, traffic data,

之後可以簡訊通知司機 其他可選擇路段。

collected from a small number of low-resolution webcams in Nairobi streets,

當然，馬架飛不像 自動駕駛汽車那樣炫酷，

and then they use analytic software to predict congestion points,

但是可以保證讓奈洛比的司機

and they can SMS drivers alternate routes to take.

用快 20% 的速度，從甲地去到乙地。

Granted, Megaffic is not as sexy as self-driving cars,

今年初，加州大學洛杉磯分校的 醫療中心設立了全球發明實驗室，

but it promises to take Nairobi drivers from point A to point B

立向尋找世界各地的節儉醫療方案，

at least 20 percent faster.

比美國目前的方案節省至少 20%

And earlier this year, UCLA Health launched its Global Lab for Innovation,

但卻更有效的方案。

which seeks to identify frugal healthcare solutions anywhere in the world

同時也嘗試將南北部地區的 發明家聚在一起，

that will be at least 20 percent cheaper than existing solutions in the U.S.

聯手為全人類發明 經濟大眾的醫療方案。

and yet more effective.

世界各地的節儉發明例子， 我已經給了很多，

It also tries to bring together innovators from North and South

但問題是，大家要怎樣利用節儉發明？

to cocreate affordable healthcare solutions for all of humanity.

我從各地的節儉發明家上 收集了三個要點，

I gave tons of examples of frugal innovators from around the world,

想在這裡跟大家分享，

but the question is, how do you go about adopting frugal innovation?

讓大家知道可以在自己的組織中

Well, I gleaned out three principles from frugal innovators around the world

用少量價值創造更多價值。

that I want to share with you

第一要點：一切從簡。

that you can apply in your own organization

不要為了向客戶炫耀才創造方案。

to do more with less.

方案需要簡單明了， 容易操作，經濟大眾，

The first principle is: Keep it simple.

譬如中國的電腦斷層掃描儀。