Category Archives: Consumer Behaviour

The Perfect Storm: A Continent, A Phone, A Business Model

By Niti Bhan | Published: July 20, 2019

In the mid 1990s, in a small city in northern Finland, engineers and designers began work on the product development of a mobile phone that would eventually become one of the best selling Nokia models ever – the 3310, released in Europe and the Far East in the year 2000. The continent of Africa was […]

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The results, two years on, from Kenya’s Movable Property Security Rights Act 2017

By Niti Bhan | Published: July 6, 2019

Movable property such as household goods, livestock and office equipment has helped add 183,487 loan accounts into the banking sector, a Kenya Bankers Association (KBA) report shows. […] “The loans that flow out of the banking system on the basis of assets in the register has been growing. This shows that the alternative collateral has […]

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Kenya’s informal economy clambering on to the information highway through their smartphones

By Niti Bhan | Published: March 9, 2019

Sometimes cliches are the only way to communicate the sheer breadth and depth of the transformation now undergoing in the informal sectors, such as trade and light manufacturing, thanks to affordable smartphones and data bundles. I began calling it digital and not online yesterday when we discovered many people didn’t recognize the word “online” in […]

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The role of the grey market in Africa’s mobile telephony boom years

By Niti Bhan | Published: February 1, 2019

The grey market refers to goods which have been manufactured by or with the consent of the brand owner, but are sold outside of the brand owner’s approved distribution channels – which can be perfectly legal. (1) In Africa’s teeming business districts and electronics mega markets, the concept of grey market products underwent an evolution […]

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Mobile Phones and the Informal Economy

By Niti Bhan | Published: January 28, 2019

Over the past week or so, I’ve been scanning literature from African researchers on the broad theme of mobile phones and the informal economy. Here are some of my top findings: The Mobile Phone is a Business Tool and Income Generator – Regardless of the region (and cultural context) of study –  Cameroon or Cote […]

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Lessons from African Fintech for the Gig Economy

By Niti Bhan | Published: December 20, 2018

Earlier this week, I had the opportunity to share my research on the past decade of mobile ecosystem development across the African continent with Dr. Antti Saarnio, founder of Zippie; co-founder of Jolla (developers of the Sailfish OS, among other things). “We want to test our product first and foremost in Africa because there is […]

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Why the Potential of the African Consumer Market Cannot be Considered in Isolation from the Informal Economy

By Niti Bhan | Published: December 17, 2018

Top flight management consulting firms like McKinsey, BCG, Deloitte, PwC et al have been taking a good long look at the emergent African Consumer Market for a number of years now. McKinsey, in fact, has just released a book on the theme, authored by their leading Africa experts. All of them acknowledge the existence of […]

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All Hail the Business Model Behind the Global Gig Economy

By Niti Bhan | Published: December 11, 2018

The first world’s ardent embrace of the gig economy is already over. Buyer’s remorse is setting in, even though it may have helped global unemployment hit its lowest point in forty years. What will remain, however, is its impact on the usually overlooked Rest of the World, where the ability of an app to drive […]

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