As Americans are struck by the flurry of images of men, women and children fleeing the Taliban's takeover of Afghanistan, the dire needs of refugees are never far from Christopher Mikkelsen's mind.
When the Hancock Park techie and his then-filmmaker brother David met a young Afghan refugee named Mansour in Denmark in 2005, it altered the course of their lives -- and that of tens of thousands of refugee families whom they've helped reconnect since.
Mansour fled war-torn Afghanistan five years prior when he was 12. The boy had lost track of his parents and five siblings after a human trafficker separated them on the eve of their departure, Christopher Mikkelsen said.
When the brothers took the teen's plight to NGOs and refugee committees of the world, they realized that there was "no centralized repository of information" to connect separated refugee family members. In a complex search that ultimately took them to Moscow, the Mikkelsen brothers managed to reunite Mansour with a younger brother.
The Mikkelsen brothers also co-founded in 2008 the San Francisco-based nonprofit Refugees United, now dubbed Refunite, which started as an SMS-driven portal to help African refugees who have lost contact with family members reconnect. Today, Refunite employs a communications network called Relay that uses texts, WhatsApp and call centers to spread vetted and trusted information from local African leaders about everything from COVID-19 cases, to militia attacks, to missing persons.
"It's a platform to reach as many people as possible to make sure they are doing the right thing," Refunite's co-CEO Christopher Mikkelsen said of the network that's in use in 35 African countries and in African diaspora communities in the U.S. The messages "are sent by someone they trust with their lives. In the environments we work with, the community is the difference between life and death."
Technology is changing the way refugees are moving, coping and integrating into the world. Perhaps nowhere is that better exemplified than with Afghanistan, where war and poverty have driven out residents for decades. From biometric scans to drones to smartphone games, technology is increasingly being used to help refugees and displaced persons establish their identities, learn a language and start their lives anew. A good number of apps designed to help refugees have also gone online in recent years but experts say that money would be better spent on ensuring refugees' access to technology.
Meanwhile, Los Angeles is a hub for refugees and migrants, many of whom view access to technology as an essential need. L.A. is also a hub for techies, like Mikkelsen, and tech startups, nonprofits and other companies that aim to use technology to help immigrants, such as Welcome Tech and LATech4Good, which strives to promote such work and share best practices.
The ongoing COVID-19 pandemic has put into sharp focus how important it is for resettled refugees to have access to technology and technology education, said Martin Zogg, executive director of the International Rescue Committee -- Los Angeles.
"We've been fortunate that we've been able to ensure that refugees get services through technology at the very same high level that existed prior to the epidemic," Zogg said.
IRC has provided equipment, education and procedures to enable many refugee services to continue online. For example, home visits, which are required of resettlement agencies and ensure that refugees are placed in safe and secure environments, have continued via Facetime, Whatsapp and Zoom rather than in person.
"You name [the platform], we did it," Zogg said.
While some refugees arriving in Los Angeles are already connected to networks of other refugees before they arrive through Whatsapp and are sophisticated in using social media, many others are not and have to be trained, he said. IRC ensures its refugees have access to cell phones and teaches them how to use them as a way to connect and empower them.
"Many refugees … are older. They need all the assistance that I mentioned and they need it in a personalized way," Zogg said. "We can't just drop off an iPad and say 'use this'. They need help doing that."
The UN refugee agency (UNHCR) uses technology in "all aspects of its work" with reliance on modern and relevant technologies having "increased greatly" in recent years, said UN refugee agency spokesman Chris Boian.
The UNHCR's Biometric Identity Management System, which was completed in 2015, uses unique physiological traits, such as fingerprints and iris and facial features, to verify the identities of refugees.
"People forced to tragically flee wars, conflicts, persecution, they are literally running for their lives and take whatever they can grab and that may not include standard documentation about their identity, their citizenship, their place of birth, Boian explained.
"We establish identity, then further along the process is determining who is a refugee and who is entitled to international protection and who is not."
The agency has also used drones to determine where it's safest to erect emergency shelters amid unforgiving terrain at a refugee camp in Bangladesh or avoid serious flooding during monsoon season.
While there has been a lot of investment in new apps to try to help refugees in recent years, much of it has gone to waste, said Shelly Culbertson, a senior policy researcher focusing on refugees for the RAND Corporation. Many projects are not being used or maintained, which creates significant confusion for people if they are not up to date.
A few years ago, Culbertson and other researchers set out to identify a list of apps to develop for refugees but instead found out that's not what they really needed.
"They need access -- and then they'll use technology like everyone else," Culberston said. Their findings were outlined in the 2019 RAND report "Crossing the Digital Divide: Applying Technology to the Global Refugee Crisis."
Refugees view access to the internet, WiFi and social media as essential in many ways as food and shelter, she said. Prioritizing connectivity could involve distribution of wireless network cards or smartphone minutes or perhaps cell phone access in refugee settings.
The need for better connectivity was also highlighted by Movement on the Ground, a startup NGO founded six years ago by a group of independent business people and creatives who wanted to alleviate suffering caused by the European refugee crisis. The organization works predominantly in and around refugee camps in Greece and facilitates digital literacy classes with the support of IBM.
Movement on the Ground is currently exploring how to facilitate more access to such training for the residents they work with and for the refugee camps in Greece, a spokeswoman said Friday via email.
"The difficulty in this is finding sufficient space and appropriate access to resources and Wi-Fi connection to make this possible," she said.
More important than an app to help refugees with translation or other needs is ensuring every refugee has access to technology, knows how to use it and does use it, Zogg of the International Rescue Committee-Los Angeles said.
"That can only happen with funding to provide that equipment, funding to provide that capacity, that education because the human element in this is so important," he said.
Clarification: This story has been updated to clarify how LATech4Good works with immigration organizations.
The United States is a nation of immigrants, but traditional banks – along with the rest of corporate America – are doing a lousy job of catering to this rapidly growing demographic. They are leaving a lot of money on the table, according to Amir Hemmat, co-founder and CEO of Welcome Tech.
"If you have an honest conversation with any banking executive they will share that this is not a customer segment they prioritize," Hemmat said.
Hemmat and his co-founder, Raul Lomeli-Azoubel — both of whom are part of first-generation immigrant families — are taking the opposite approach. Welcome specifically addresses the needs of immigrants – particularly the nation's 62.8 million Latinos, half of whom cannot open a bank account at a traditional institution.
Slightly more than a third of Los Angeles County residents — where Welcome is based — were born in another country according to U.S. Census data.
"No other provider is servicing this consumer with the trust, customization and scale that we are," Hemmat said. "We are not just trying to be another financial service for this consumer, but instead a platform that is essential to their ongoing success."
Indeed, the Los Angeles-based company known by customers as Saber Es Poder offers more than banking. It's angling to be a one-stop shop for everything from finding a dentist, to telemedicine, to enrolling in English classes.
Welcome announced Wednesday it has closed a $35 million Series B financing round, bringing its total funding to date to $50 million. The funds will be used to introduce a debit card, a bilingual mobile app and build up a monthly subscription offering.
"We are growing quickly," Hemmat said.
Amir Hemmat is co-founder and CEO of Welcome Tech.
Loosening regulation, ample venture funding, and quickly evolving technology has led to a wave of highly successful fintech platforms with no physical branches, like Chime, which reportedly could go public before the end of the year at a $30 billion valuation.
Last month, Pasadena-based Cheese launched a banking app for Asian Immigrants and Asian Americans with funding from Amplify and IdeaLab. Other fintech platforms are targeting the needs of Black and LGTBQ communities.
But some experts are skeptical about the long-term viability of these fintech platforms, given their higher borrowing costs.
"Fintechs can't compete on the funding side," said Rodney Ramcharan, a professor of finance and business economics at USC's Marshall School of Business who previously worked at the board of governors of the Federal Reserve system. "The advantage that fintech businesses have is they have data and algorithms that can price risk better than banks."
L.A.'s Welcome Tech is known to many customers as Saber Es Poder.
Big banks like JP Morgan Chase have mountains of data of their own and have to get better at harnessing it to assess risks – or they will simply acquire fintech companies, predicted Ramcharan.
"It's not obvious to me the long-term viability of a fintech bank," he added.
Welcome's latest round was co-led by TTV Capital, Owl Ventures and SoftBank Group Corp's SB Opportunity Fund. Santa Monica's Crosscut Ventures, which was part of the company's seed round and led a $10 million Series A round last year, also participated.
"The evolution of neobanks, and growth of financial solutions over the past couple years is proof a solution addressing the rising Hispanic and immigrant community was necessary and one that is rooted in education and empowering the consumer was appealing to me," said Brian Garrett, Crosscut's co-founder and managing director.
Welcome recruited Joe Munoz, the technical founder of Tinder, who became Welcome's chief data officer earlier this year after serving as its first chief technology officer.
With over nine million immigrants using its platform every year, Welcome says it has amassed "the largest collection of proprietary data in the country reflecting the needs of the immigrant community."
In this day and age, collecting user data is very much a double edged sword as Facebook and a slew of other companies can attest. Immigrants are especially concerned about privacy.
Welcome emphasizes that it is a bank by and for immigrants - it is registered as a public benefit corporation. It also says their platform uses military-grade encryption to protect its members data, and never sells its data to third parties.
"We have witnessed how every industry has largely focused on extracting value from this consumer segment and we want to be the company that focuses on creating value for them," Hemmat said.
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