Category Archives: Business Models

Pondering India’s Cashless Future

Chhotu here accepts digital currency payments via the mobile platform on a daily basis. His QR code is prominently displayed upfront next to the bottles of sauce, and a sticker displays the icons of all the payment apps acceptable to his Bhim app. The Bhim system, launched by the Government of India, is a godsend […]

Also posted in Airtime, Alternative currency, Analysis, Banking, Biashara Economics, Cashless transactions, Consumer Behaviour, Culture, Economy, Ecosystem, Emerging Markets, Flexibility, India, Informal & Flexible, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, South Asia, Strategy, Technology, urban | Tagged , , , , , , , , , | Leave a comment

Chinese investments in African tech will transform the fintech landscape

A recent article brought to my attention this report on the pattern of funding experienced by fintech startups in East Africa and India with rather damning results. 90 percent of the capital invested by “Silicon Valley-style” investors went to startups, technically in East Africa, with one or more North American or European founders. These results […]

Also posted in Africa, African Consumer Market, Airtime, Alternative currency, Analysis, Assumption filter, Banking, Business, Cashless transactions, China, Commerce en ligne (e-commerce), Compétitivité, Economy, Ecosystem, Emerging Markets, Flexibility, Loans, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Risk, Strategy, Sub Saharan Africa, Systems, Technology, Value | Tagged , , , , , , , , , | Leave a comment

Financial Patterns at the Last Mile of the Farm to Fork Value Chain

This value web illustrates the last mile of the farm to fork agricultural value chain in the state of Maharashtra, India. We’d mapped it during our project/s for the Dutch government back in mid 2013, where we’d introduced human centered design thinking for sustainable agricultural value chain development. Subsequently, I led a multidisciplinary team conducting […]

Also posted in African Consumer Market, Analysis, Biashara Economics, Consumer Behaviour, Ecosystem, Emerging Markets, Frameworks, India, Perspective, Prepaid Economy & Informal Sector, Research, Rural Economy, South Asia, Strategy, Sub Saharan Africa, Systems, User research | Tagged , , , , , , , | Leave a comment

Rural Household Financial Management on Irregular Incomes

While all farms are not alike, and scale and variety and geography differs, the pattern of household financial management holds its fundamental logic across continents. As we saw previously, an experienced farmer tends to fall somewhere in between a salaried employee and an odd job labourer in their ability to predict with any reasonable degree […]

Also posted in Africa, Analysis, ASEAN, Biashara Economics, Cashless transactions, Cattle, Economy, Ecosystem, Emerging Markets, Frameworks, Indigenous & Traditional, Informal & Flexible, Livestock, Mama Biashara, Perspective, Philipines, Prepaid Economy & Informal Sector, Research, Rural Economy, Savings, Strategy, Sub Saharan Africa, User research | Tagged , , , , , , , , | Leave a comment

Will the global trade war lead to more sustainable (and local) consumer products?

In a study titled “Competing In the Age of Multi-Localism”, ATKearney said mounting trade tariffs and other pressures have upended the global strategy – think mass-market production and achieving economies of scale – that has been a business hallmark since the early 1990s. “It’s no longer a viable strategy for many companies,” the study said. […]

Also posted in China, Consumer Behaviour, Design, Distribution, Ecosystem, Emerging Markets, global, India, Innovation Planning, Marketing, Perspective, Platforms, Produits de grande consommation (FMCG), Strategy | Tagged | Leave a comment

The Mobile as a Post Industrial Platform for Social and Economic Development: Top 3 Trends in Africa

Just over a decade ago, in San Jose, California, I was invited to speak as the Closing Plenary for the CHI 2007 25th Anniversary Conference. The theme was “Reach Beyond”, as this was the 25th Anniversary conference of the Computer Human Interaction society, and as the closing plenary, I was tasked with articulating the vision […]

Also posted in Africa, African Consumer Market, Analysis, Design, Ecosystem, Emerging Futures, Emerging Markets, Innovation Planning, Marchés africains, Mobile platform, Perspective, Platforms, Strategy, Sub Saharan Africa, Technology | Tagged , , , , , , , , | Leave a comment

The Informal Industrial Ecosystem: An Introduction to REculture

This article introduces and explains some things I’ve been seeing in the informal industrial ecosystem in the developing world context for almost a decade now. First noticed in 2009, I then named it REculture, a neologism to capture the vast and complex ecosystem I saw in the revenue generating facility of recycle, replace, repurpose, reuse […]

Also posted in Articles on Design and Innovation, Base of the Pyramid, Biashara Economics, Ecosystem, Emerging Futures, Emerging Markets, Frugality, global, Perspective, REculture, Research, Systems, Technology | Tagged , , , , , , , | Leave a comment

One (last) word: Plastics

A UN report issued on World Environment day  showed dozens of nations acting to cut plastic, including a ban on plastic bags in Kenya, on styrofoam in Sri Lanka and the use of biodegradable bags in China. via There’s a backlash against plastics that is ongoing in many not so noticed parts of the world […]

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Stepping up human centered innovation planning for financial inclusion

Two Ugandan analysts from the Financial Sector Deepening (FSD) programme in Uganda write on the need for more human centered product development approaches in the design and delivery of financial services for rural Ugandans, especially the rural poor. One of their suggestions caught my attention in particular: (iii) Third, to increase the introduction of new […]

Also posted in Africa, Articles on Design and Innovation, Base of the Pyramid, East African Community, Frameworks, Innovation Planning, Strategy, Sub Saharan Africa | Tagged , , , , , , | Leave a comment

The comparative global impact of Alibaba vs. Amazon

Alibaba Business School and the United Nations Conference on Trade and Development (UNCTAD) brought 29 young entrepreneurs from 11 countries across Africa to the Alibaba campus in Hangzhou, China for the third eFounders Fellowship cohort. Chinese corporate soft power influence is production driven, not consumption focused. Alibaba, the e-commerce giant with digital payment tentacles, has […]

Also posted in Africa, China, Commerce en ligne (e-commerce), Ecosystem, Emerging Markets, Innovation Planning, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Retail in Africa, Strategy, Sub Saharan Africa, Systems, Technology, Value | Tagged , , , , , , , , , , , | Leave a comment