This research report was created to present findings from a survey of Indonesians living in Bali to explore introducing a universal basic income (UBI) in Bali based on Circles, a project that puts basic income on the blockchain. This report aims to understand the viability of such an implementation, discover pain points and possible solutions, and determine potential implementation strategies. Questions in this survey focused on the particular areas relevant to this program—namely technology and internet usage, trading habits, and financial literacy.

1. 1
Polis memri
A basic income
on the blockchain
Unlocking the potential
of your data
Community of communities
Universal basic income for Bali
Research report for Circles implementation 2021

2. 2
Table
of
Contents
Executive summary
3
Background
4
Research objectives
5
DATA COLLECTION & ANALYSIS
6
Implementation recommendations
6
demographics
11
Circles analysis
14
Small & Midsize Businesses
18
memri
19
Conclusion
21

3. 3
Executive summary
This research report was created to present findings from a survey of Indonesians living in Bali to
explore introducing a universal basic income (UBI) in Bali based on Circles, a project that puts basic
income on the blockchain. This report aims to understand the viability of such an implementation,
discover pain points and possible solutions, and determine potential implementation strategies.
Questions in this survey focused on the particular areas relevant to this program—namely
technology and internet usage, trading habits, and financial literacy.
Findings indicate high potential adoption rates and social structures that support the viability of a
local program. Analysis revealed that people are excited about the concept of a community basic
income, and would like to see this program be successful. The study indicates that such an
implementation of universal basic income can create massive change toward supporting the
wellbeing and livelihood of Balinese people.
This study uncovers recommended strategies for a successful implementation. Simplified and clear
communication is a necessary tactic, given the complexity of the project and newness of the subject
material. One suggested path would be to introduce the application to women, who are the financial
heads of households, to encourage community acceptance. Another viable path may be through
Balinese youth, who are more open to technology. An ideal target community is middle class to avoid
issues with precarity given the experimental status of the current system.
Another advised approach includes creating a local business consortium accepting Circles as
payment to enable a self sustaining B2B network. This B2B network can increase liquidity and
revenue through the use of the Circles tokens providing much needed grease in the economic
engine. Due to the pandemic, Bali has an issue with very little money in the system and also a
potential liquidity crisis as companies go bankrupt and money leaves the island. This is because 80%
of income is dependent on tourism, which has now plummeted. Perhaps now is an ideal time for
introducing an alternative currency to increase economic flow for businesses.
There are several inherent obstacles to overcome with implementation: bootstrapping, community,
and communication. In the initial bootstrapping stage, respondents indicate the need to clearly
understand how their primary needs will be met. One potential solution is to include partners such as
the farmer’s fresh food distribution initiative, Pasar Rakyat. Since community is critical to Balinese
culture, it is important to have banjars, or local community councils, approached for acceptance of
the program. Clear and simple communication is needed to help Balinese overcome views
surrounding money and transactions. Without a good marketing strategy, these beliefs around
money may limit adoption of the program. In addition, concerns about security and complexity of the
application could be addressed by creating a specific application in the Indonesian language. One
solution would be to utilize Memri for this function, which could provide translation features, data
security, and additional data storage.
With time to integrate the new system properly given the recommended guidelines in this paper,
there is a good probability for success of this experiment. As this study shows, universal basic income
implementation with Circles and Memri can solve huge issues for the Balinese people—improving
wealth equality, meeting basic needs, and expanding business opportunities.

4. 4
Universal Basic Income in Bali
Universal basic income is a program that provides regular income to individuals without
discrimination to ensure their basic needs are met. The topic of UBI has exploded in popularity in
recent years, as wealth inequality grows and inflation-adjusted wages fall all across the world. Circles
addresses wealth inequality by providing each individual with a community currency that can be
equivalent to a basic wage. Bali has an ostensible need for solving this wealth issue, which has been
exasperated by the liquidity crisis due to the pandemic.
Liquidity, or the ease with which an asset can be converted into ready cash without affecting its
market price, has created challenges in Bali. Many respondents feel that a lack of money is also
preventing them from starting or running their business, buying a home, improving their living
situation or putting food on the table. With 80% of income being dependent on tourism, which has
been affected by COVID and the resulting travel restrictions starting in early 2020, the Balinese
economy has crashed. There is very little money in the system and potentially a liquidity crisis with
companies going bankrupt and money leaving the island.
Until recently, UBI has primarily been viewed through the
lens of public policy and bureaucratic action. Public support
for the idea of UBI has never been higher, but plans for
implementation are progressing slowly and without
cooperation at the international level. It seems that UBI has
received a "too big to implement" label at the highest levels
of government, similar to climate change action, making
development and rollout unlikely to happen any time soon by the non-
private sector. Circles uses blockchain technology to create a community
alternative to basic income, giving individuals more agency over their
financial well-being.
Bali has several characteristics that make it a promising location for a Circles UBI pilot. It is a
relatively small island with 4.4 million people so can be more easily contained and communicated.
There is a large wealth inequality that may be able to be alleviated with an alternative currency. An
increase in liquidity may be able to help Balinese commerce thrive.
Background
Bali

5. 5
Polis
Polis aims to change the way we work from the autocratic systems of today, towards
communities of self-governing and autonomous groups that use democratic principles to build
thriving ecosystems. This is needed to address the enormous problems that we are facing as a
species. Our world is transitioning toward this future and in order to get there we will need new
skills and new social agreements to create the democratic self-governing organizations in which
we can thrive. Polis does research, provides training and workshops and tools to help incubate
these new organizations and communities in order to maintain the benefits of small groups
while benefiting from large scale effects when many groups work together.
Research objectives
๏ To understand the viability of a Circles implementation through the Memri app in Bali
๏ To discover pain points and possible solutions
๏ To determine potential implementation strategies
Circles
Circles is an alternative currency modeled
after basic income, and built on the
blockchain. Minted as a personal currency,
Circles can only be exchanged along trusted
and transitively trusted lines, making it ideal
for local implementation.
The project launched in October 2020 to a
great amount of attention, and is now
working alongside communities of interest
to support the creation of local, sustainable
economies worldwide.
You can learn more about Circles
at joincircles.net and onboard to the Circles
wallet at circles.garden.
Memri
Memri is a product that allows users to
integrate their applications via a single app
in order to streamline and enhance their
data usage. Memri allows people to own and
control their own data and become “the
rulers of their own dataverse.” Users can
manage this data with a digital assistant
which helps people make sense of their
digital lives by having it all in one place.
Rather than being designed to simply
capture your attention, Memri is designed to
improve users' relationships with technology
and empower them with new tools that are
useful for day-to-day life.
Find an early developer focused (alpha)
version of memri at memri.io.

6. 6
Implementation recommendations
In the Bali market, initial research shows that several problems could be solved with
implementing Circles through the Memri app. These solutions include improving wealth
equality, meeting basic needs, expanding business opportunity, and providing much-needed
data storage. Generally respondents are receptive to the idea of UBI in Bali, and would like to
see this program be successful. However, there are also obstacles to overcome with
implementation, as outlined below — in the initial bootstrapping stage, on the community level,
and shifting the way Balinese view and transact with money.
Memri will be used as a phone app to run the Circles program through its own digital wallet. This
gives Balinese the ability to unlock the potential of their data and take advantage of data storage
in the cloud, which our survey shows is a common pain point among Balinese people. Memri will
also be offering people to pay for a subscription service with their Circles tokens to purchase
data storage in the cloud. Memri is offering this to democratize personal control over users data
while simultaneously establishing the value of circles tokens for users who buy a memri
subscription with their tokens.
Initial Bootstrapping Stage
Circles is only as valuable as its community of users. In order to get a circular flow of tokens
going we first need to achieve a critical mass of UBI receivers and essential businesses that
accept Circles. Transactions should happen within communities of UBI receivers as well as with
the businesses that participate. One major problem to solve is how businesses that logically
accumulate the most tokens will be able to bring those back into active circulation. Once a
critical mass is reached, this can be achieved by using the tokens as payment to local staff who
can then spend it back in the system. However, during the bootstrap phase there is not yet a way
to spend these tokens and thus they are not good ways to pay wages. One possible solution is
for impact investors to buy up Circles tokens as a means for businesses to continue the token
circulation until this critical mass is reached.
DATA COLLECTION & ANALYSIS
We interviewed 54 Indonesians living in Bali for this survey. We asked 59 questions designed to
elicit conversations around the topics intended to explore. The survey was conducted in
December, 2020. The research team selected individuals from each of the 9 regencies in Bali,
across different socio-economic backgrounds and varied communities. The main researcher was
Balinese and translated from Bahasa Indonesia into English for the analysis of results.

7. 7
Other bootstrapping solutions include creating a way for the majority of Balinese to spend the
tokens. 51% of respondents said they would buy food if they received UBI. It’s imperative to first
include food vendors in onboarding process and then include other primary needs. One such
opportunity is allowing exchange of tokens for fresh food and produce through the nonprofit
Pasar Rakyat (The People’s Market). This is a supply chain where farmers sell excess produce to
Pasar Rakyat, which then sells and delivers to Balinese around the island at below market rates.
If Pasar Rakyat became a UBI partner, there would be a base commodity that would be
accessible, beneficial, and needed by all Balinese to continue the flow of money.
Communication will be needed in the early stages to inform people on how they can fulfill their
primary needs such as electricity, school, and food through the program.
Community Approach
Connecting with the banjar, or neighborhood council,
for implementation is imperative to the success of a
community cash initiative. A banjar is a group of
families living within a designated area who decide to
join together to form a small neighborhood. They
typically consist of at least 5 families and can be as
large as 200 families. The Balinese banjar remains one
of the most important aspects of Balinese community,
and is a necessary point of buy-in for any kind of local
change. They are the social glue that keeps the
community well-connected and is the centre of
Balinese social life. Everything related to customs and
even administration is done through the banjar.
Banjars have been recognized by the Indonesian
government as the lowest administrative structure in
national governance. However, they are the primary
means of decisions affecting individuals in Balinese
culture.
Since social aspect is everything in Bali, experts who
successfully implemented GoPay in Indonesia suggest
to focus on the banjar level with women who are the
financial heads of the households. Enrolling women
first will create a social financial system that will benefit
the entire community and increase adoption of a
digital wallet.
Finding a banjar or group of banjars that are willing to
experiment with an initial implementation of Circles
will likely be the most viable point of entry. Because
the banjar is so local and communal, this is a unique
opportunity to have Circles touch multiple parts of the
supply chain for a single community.

8. 8
Communication for Balinese Culture
In order to be successful, the program needs to be
simple and very clear. According to our survey,
respondents would expect the app to be in
Indonesian and perhaps their Balinese regional
language for people to easily understand.
Marketing is key to overcome limiting beliefs and
bring awareness in how to utilize the program, the
benefits, challenges, and addressing pain points of
the current system. This survey shows that while
people love cash, there are many current transaction
pain points around both carrying large amounts of
cash and the high fees of banks and credit cards. It
will be important to highlight these to encourage
digital onboarding. There will also need to be training
on how to better offer goods and services if users are
not a small business.
Communications work will need to be done in order
to normalize the concept of UBI, alternative currency,
and mobile banking to make them accessible to a
Balinese audience. According to respondents, the
Balinese are not comfortable with the concept of
money or the banking system. They do not
understand how the financial systems work, and do
not easily trust in technology or online systems.
However, this lack of trust is overcome with social
acceptance. For instance, everyone has a mobile
phone and now depends on it for their business. It
will take program development to gain this
community buy-in and shift Balinese beliefs and the
way they currently operate with mostly cash to an
electronic alternative currency. Helping people to
understand the potential value of an alternative
currency will take time. For example, one person
brought up the concern that switching to an
alternative system would anger the God of Money in
Bali. However, many people, once they felt they
understood the application more clearly, were curious
and eager to participate.
Balinese respondents are interested in receiving UBI
“free money” in the form of tokens and are excited to
try it. However they will only continue using it if they

9. 9
see high peer and business adoption and can benefit easily. Digital wallets have faced similar
issues after the end of initial promotions to continue encouraging users to add funds to the
digital wallet. Since UBI is a new concept that continually provides regular income, additional
testing is required to better understand the longevity of a program.
Mobile banking may require some deep onboarding in order for people to feel confident using
digital money. Mobile banking is seen as too complicated, such as remembering passwords and
understanding how to use the platform. There are concerns with data security, accounts being
hacked, and lack of connectivity that will need to be addressed.
As a start, some respondents suggested the program can be introduced to younger generations
who are more likely to adopt new technologies. There is a stark divide between responses of
people under the age of 40 who are more receptive to adopting this technology, and those over
40 who are very weary.
Timing
There is a huge potential for success of an alternative currency in Bali’s culture, particularly now.
Since 80% of Balinese income is dependent on tourism, which has now plummeted with the
pandemic, many businesses have gone bankrupt. Due to this, most individuals have a liquidity
issue. With this lack of rupiah, they have turned to bartering since they are unable to continue
economic flow with cash. Bali has historically used alternative forms of currency for religious
ceremonies and for local banjar fines, so many are familiar with the idea. Some expressed that
now is the perfect time for introducing an alternative currency to increase economic flow.
B2B Strategy
A suggested approach is to build a network of businesses accepting Circles as payment. The B2B
strategy is a focus on solving the liquidity problem for businesses by enabling a supply chain
that would otherwise not be accessible or liquid enough. That network is run using the
community token, thus creating a demand for the token from consumers. This has been tested
in amongst others Sardinia with the Sardex complementary currency circuit and has shown to be
successful (2009-to date).
Creating this local business consortium will enable businesses to exchange directly. Relocalizing
resources through this business network may help transform underutilized resources. With
these commerce connections, underutilized resources of one business can compliment the
unmet needs of others. This turns these underutilized resources into extra liquidity.
Community cash could be the solution to provide the liquidity to allow businesses to reach their
goals sooner. 50% of respondents feel that a lack of money is preventing them from starting or
running a small business. This shows that lack of money liquidity is an issue in Bali. Providing
businesses with a way to exchange without using rupiah may provide the alternative funds

10. 10
87% of respondents indicate they are likely or very likely to try
transacting electronically if it was easier and more secure
necessary to successfully start or continue running. This liquidity may allow Balinese to inject
capital into their business projects, allowing them to start new businesses and continue running
their existing businesses.
Next Steps
A potential follow up would be to approach banjars that would be willing and able to explore an
implementation of Circles UBI. Finding a local banjar to conduct a pilot program is a strong, and
likely necessary, tactic. The Denpasar, Ubud and/or Uluwatu areas would be great candidates as
their population is more technologically focused and middle-class which may be more open to
early adoption. We recommend to clearly communicate a first rollout as an experiment in order
to avoid conflicts due to precarity and technical issues.
Additional research is necessary for a full implementation. Other proposed next steps would be
a follow up survey with the same respondents, incorporating deeper questioning on how
decisions are made, people’s familiarity with UBI as a concept, specific assessment of their own
basic needs, people’s connections and ties to the whole supply chain, and to surface
communication and marketing tactics.

11. 11
20 - 30
31 - 40
41 - 50
51 - 60
0 7.5 15 22.5 30
1
6
18
28
demographics
70%
30%
Female
Male
AVERAGE AGE
33
GENDER
72%
28%
Other parts of Indonesia
Bali
PLACE OF ORIGIN
Interviewed people from each
regency in Bali across
PLACE OF RESIDENCE
91%
9%
Lived abroad for a while
Lived in Indonesia all their life
CHILDREN
54%
24%
22%
Own home
Rent home or room
Family Compound
HOUSING
Traditional Balinese
way of living
52% 48%
Don't have children
Have children & grandchildren
ALL PEOPLE INTERVIEWED
OWN A SMARTPHONE
54
INDONESIANS LIVING IN
BALI INTERVIEWED

12. 12
28%
38%
34%
More than 45 hours
31-45 hours
16-30 hours
WORKING HOURS A WEEK
MAJORITY WORK IN SMALL BUSINESS, TOURISM, OR FARMING
YEARLY INCOME
Less than IDR 12 million ($850 USD)
IDR 13 - 42 million ($851 - $3,000 USD)
IDR 43 - 84 million($3,001 - $6,000 USD)
IDR 84- 252 million ($6,001 - $18,000 USD)
IDR 253- 756 million ($18,001 - $54,000 USD)
0 0.1 0.2 0.3 0.4
2%
32%
26%
32%
8%
of respondents fall below
the minimum wage line in Bali.
State-mandated monthly minimum
wage in Bali Rp 2.5 million (about
$175 USD per month) for 2020 and
2021. This is about or about Rp. 30
million per year ($2,100 USD per
year), or Rp. 100,000 per day ($7
USD per day).
The amount of monthly minimum
wage varies by each regency, of
which there are 9 in Bali. Regencies
are roughly equivalent to American
counties.
The potential proposed UBI amount to receive is Rp. 100,000 ($7 USD per day), or the same amount
that a minimum wage worker would receive with full time work. Full time is 6 days a week, Monday
through Saturday.
24%

13. 13
93% of respondents were likely or very likely to
participate in a phone-based program to receive
alternative currency worth Rp.100,000/day

14. 14
Circles analysis
58% of respondents said they
exchange goods and services for
money several times a month or less.
They may need training on how to
better offer their goods and services
in exchange for money.
Most of the services offered include
food, cooking, and help with village
duties. Some offer professional
services such as IT work and legal
counseling or art and construction.
People explain the main reasons they
don’t barter more because they have
nothing to offer, don’t want to trade
more often, don’t have money, and
are not motivated to
trade more often.
Training may be able
to help overcome
these obstacles.
People in my direct community
People outside my community
Not applicable
0 0.15 0.3 0.45 0.6
19%
50%
60%
WHO DO YOU OFFER GOODS AND SERVICES TO IN EXCHANGE FOR MONEY?
claim to offer services or goods in
exchange for money with others.
Majority of these people are
trading within their trusted
networks
80%
Several times a day
Several times a week
Several times a month
Less than once a month
Not applicable
0 0.1 0.2 0.3 0.4
20%
31%
27%
18%
4%
HOW OFTEN DO YOU OFFER THESE GOODS & SERVICES?
2%
38%
60%
Both phone & WiFi
Only phone
No access
DO YOU USE INTERNET ON WIFI
OR ON YOUR PHONE

15. 15
Cash
Debit
Credit
Cash, Debit, & Credit
Ovo & GoPay
Mobile Banking Transfer
0 0.225 0.45 0.675 0.9
4%
4%
6%
2%
50%
89%
HOW DO YOU TRANSACT IN GENERAL?
89%
of people use primarily cash.
50%
use debit as well. Small percentages
use mobile banking, credit, and Ovo
and Gopay for transactions. People
use debit for amounts greater than
100,000 IDR ($7 USD).
Cash is used for smaller transactions.
The problems people experience with using cash, credit, or debit are varied. Most people prefer
cash and say there’s no issue and simple to use. Others explain the issue with cash is they often do
not have enough on hand as it’s too dangerous to carry a big amount and ATMs can be very far
away from where they live. They also often misplaced smaller amounts. As a result, many say they
use debit for larger purchases as it’s not practical to carry large handfuls of bills to purchase bigger
items.
Credit and debit are seen as too expensive since there are transaction fees. Vendors who don’t
understand how to use cards make it frustrating sometimes and annoying to use, so cash is often
seen as easier. Mobile banking is seen as too complicated, such as remembering passwords and
understanding how to use the platform. Connectivity is also an issue and at times unable to use
anything other than cash.
WHAT PROBLEMS DO INDONESIANS LIVING IN BALI EXPERIENCE WITH USING CASH, CREDIT, OR DEBIT?
Very likely
Likely
Unsure
Unlikely
0 0.125 0.25 0.375 0.5
3.7%
7.4%
50%
37%
IF IT WAS EASIER AND SECURE, WOULD YOU WANT TO TRANSACT ELECTRONICALLY?
87%
are likely or very likely to transact
electronically, although many said
they still trust and prefer cash more
but would be open to trying it. Mobile
banking may require some deep
onboarding in order for people to feel
confidence using digital money.

16. 16
To start or run a business or project
To improve your living situation
To put food on the table
Buy a home
0 0.125 0.25 0.375 0.5
32%
13%
22%
50%
DO YOU EVER FEEL THAT A LACK OF MONEY IS PREVENTING YOU FROM ACHIEVING ANY OF THE BELOW?
Money liquidity, or a lack of rupiah, is
an issue in Bali. Many respondents
feel that a lack of money is preventing
them from starting or running their
business, buying a home, improving
their living situation or putting food
on the table.
80% of income is dependent on
tourism. With the onset of COVID and
travel restrictions starting in 2020, the
Balinese economy has crashed. There
is very little money in the system and
potentially a liquidity crisis with
companies going bankrupt and
money leaving the island.
WOULD YOU PARTICIPATE IN A PROGRAM TO GET ALTERNATIVE CURRENCY WORTH RP. 100,000/DAY IF IT
REQUIRED YOU TO USE YOUR PHONE TO RECEIVE AND SEND THAT MONEY?
were likely or very likely to participate in this program themselves. However, they had the
caveat that they would only use it if the items they wanted to buy and sell were available
through the system. They were clear that they would only use it had a large network that provided
the items they wanted and was easy to use. The 7% who would not use the program since said that
they do not want to use their phone for transactions, that online transactions are difficult, and that
“it's not a real system.”
A marketplace would be needed or place for people to understand what is available. Primary needs
would need to be met such as electricity, internet, and children’s expenses. Some light but deep
training on what money is, how it’s created, and what makes it "real" seems needed.
WOULD YOU PARTICIPATE IN A PROGRAM TO GET RP. 100,000/DAY IF IT REQUIRED YOU TO ENCOURAGE
AT LEAST 3 OTHER PEOPLE TO JOIN THE PROGRAM, SO THEY WOULD ALSO GET THIS FREE MONEY?
are likely or very likely to participate in the program, but are more hesitant to include their
social network. Since their village is critical to their survival and is their family, they are very
protective of their community and only want to share information they know will be good. Before
they would like to invite others in their community into the program, they would like to test it out first
and have full faith that it’s functional and beneficial. A few said they don’t trust online systems to
manage money so wouldn’t share in their community or try it themselves.
Targeting a technologically savvy Balinese group would be useful for implementation. Ensuring that
the app was translated into Indonesian or Balinese languages would be important.
93%
78%
UBI could be the solution to provide an alternative
currency to allow people funds to reach their goals sooner.

17. 17
WHAT DO YOU THINK ABOUT THE BANKING
SYSTEM AND MONEY IN GENERAL?
Generally speaking, most responded
favorably to banks and view them as positive
tools to get work done.
responded that ”Banks are
beneficial and serve my needs.”
They view banks as complicated, difficult to
understand, and hard to grasp high interest
and transaction fees. They try to limit use
with banks, but are practical when they need
to use money for transactions.
said that they would prefer to
control their own money rather than
have the government and banks control it.
However, they were grateful that banks
manage everything for them and don't have
to worry about it. They see it as a necessary
evil, as they would not know what to do
without a bank. Like it or not, it’s the only
option they have for managing money.
were negative to banks, saying they
were annoying and would only use
them if they had to instead of cash-only.
Interestingly, 0% responded that “Banks are
corrupt and unfair.”
Based on these findings, proposing Circles as an economic insurrection would not be beneficial to
Balinese adoption. The terminology "Community Cash" might be good branding for utilizing the
social village aspect. Testing possible communication strategies via a marketing survey would be
ideal.
78%
18%
4%

18. 18
Small & Midsize Businesses
DO YOU ACCEPT CASH ONLY, OR ALSO
ELECTRONIC PAYMENTS FROM CUSTOMERS?
17%
8%
75%
Cash & Electronic payments
Cash only
Electronic payments only
WOULD YOU WANT A WAY TO GET YOUR BUSINESS
EXPOSED TO MORE FOREIGN CUSTOMERS IF THAT
WOULD BE POSSIBLE?
8%
8%
84%
Yes
No
Maybe
WHAT WOULD BE THE BENEFITS TO YOU TO
ACCEPT ELECTRONIC PAYMENTS, IF THERE WASN'T
AN EXTRA COST TO YOU FOR TO ACCEPT IT?
General response is that electronic payments
are more practical, faster, and safer than cash.
It’s easier to track, and less risk of losing the
money or being stolen from than with cash.
However, some prefer cash since can control
and trust it, and there are fees involved.
PAIN POINTS FOR TRANSACTIONS
• Cash issues: access to ATMs difficult, not
enough cash on hand, and not enough small
change available
• Electronic payments issues: run slow at times,
don’t always work due to internet connectivity,
and some customers don’t have access to
banks or electronic payment systems.
With 75% of small and midsize businesses
accepting cash and electronic payment, this is
favorable for a Circles implementation in the
business market.

19. 19
WHAT ARE THE BIGGEST ISSUES FOR
YOU WHEN USING YOUR DEVICE?
No problem
No internet conectivity
Not enough disk space
Too much time on social media
Not enough battery
Too many messaging channels
Physical damage
0 0.075 0.15 0.225 0.3
4%
4%
19%
11%
30%
17%
30%
HOW MUCH STORAGE CAPACITY
DOES YOUR PHONE COME WITH?
Less than 16 gigabytes
16-31 Gb
32 - 63 Gb
64 - 127 Gb
128 - 255 Gb
More than 255 Gb
0 0.075 0.15 0.225 0.3
13%
30%
30%
13%
9%
HOW DO YOU SOLVE THOSE DEVICE ISSUES?
Many don’t have good solutions to the
problems they face today. Many times it’s
inherent of not having enough money to buy
a phone with enough storage, with a good
enough battery to last the day, or to top up
with data and internet connectivity.
No internet connectivity solutions: Finding a
better internet connection to download files.
Have to spend more money on new internet
packages for large amounts of data.
Not enough disk space solutions: Constantly
deleting old photos, videos and apps, and
moving data to hard drive storage on laptop
or the cloud.
Not enough battery solutions: Always
bringing power bank or charger when
leaving the house, changing phone battery
every 6 months, and needing to buy a new
phone.
memri

20. 20
CAN YOU EXPLAIN WHY YOU WOULD OR WOULD NOT USE IT?
IF YOU WOULD USE IT, HOW MUCH WOULD YOU PAY?
are very likely or likely to use an online storage service since most would like more space for
data. Some people have enough storage on their phone and don’t want to have an outside
storage since enjoy keeping photos for memories.
would only use the data storage if it was free, and then stop using when they would have
to pay for extra storage.
would only pay less than $7/year.
Respondents said the biggest obstacles to using an online storage service are they are not confident
in the data security and do not yet trust an unknown company/organization. They would only trust
the product when friends would use it first and had good feedback. There is also concern of being
able to access data when no internet connection. General consensus is that people believe even
secure systems will eventually get hacked and don't like to change their phone settings or use unless
its absolutely needed. However they would use it if they understood how important it is to have
secure phone and trusted the product.
IF THERE WAS A SERVICE THAT ALLOWS YOU TO
STORE ALL YOUR INFORMATION ONLINE, IN A PLACE
THAT YOU CONTROL, WITH MUCH MORE SPACE THAN
ON YOUR PHONE, WOULD YOU USE IT?
19%
43%
23%
15%
Unlikely
very likely
likely
Unsure
66%
72%
22%
30%
21%
49%
Yes
No
Sometimes
DO YOU USE YOUR DEVICE FOR TRANSLATION? Since most respondents speak
English, half use their phones
for translation and mostly use
google translate app
66% are very likely or likely to use the cloud as data storage.

21. 21
Conclusion
This research report explores results from a survey of Indonesians living in Bali and finds
compelling results to support a Circles and Memri implementation. This paper shows that
experimenting with a Circles UBI implementation could solve huge issues for the Balinese people.
Metrics that may show impact include improving wealth equality, meeting basic needs, and
expanding business opportunities. For these reasons, we believe this program has the potential to
truly change the world and help a group of struggling people.
For a successful implementation, this report presents possible obstacles and solutions for Balinese
to adopt an electronic payment system. In the initial bootstrapping stage, there is the potential
partnership with Pasar Rakyat, a farmer’s fresh food distribution supply chain that reaches all of
Bali. This would encourage use since the primary need of food could be met from the beginning of
the program. A local banjar approach would ensure community acceptance and quicker adoption.
Clear and simple communication will help shift Balinese beliefs surrounding money and
transactions. With awareness of these solutions, we can help Bali transition to a more supportive
financial system to aid individuals in a sustainable way. Some believe that now, during the
pandemic when 80% of tourist-dependent income is no longer available, is the perfect time for
introducing an alternative currency to increase economic flow. With businesses no longer being
able to function and a potential liquidity crisis, using a B2B approach to build a network of
businesses accepting Circles as payment could help small businesses survive and assist with the
livelihood of Balinese people.
Based on our initial findings, people in Bali would be receptive to a community cash initiative with
online data storage capabilities. With the right implementation and communication strategies as
defined in this study, this UBI program could be successful with time.

22. 22
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