Category Archives: Economy

Looking back at 2020 from Mama Mboga’s eyes: The Pandemic as Natural Disaster

By Niti Bhan | Published: December 4, 2020

I am moved today by my work to look back at this agonizingly long year of separations and losses and delays for peoples around the world. Uncertainty and complexity have both increased, and economic volatility has become the order of the day, regardless of the development status of the region or location. More people in […]

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Closing the Circle: Can integration of the flows in the post consumption ecosystem of Global North & South aid resilient recovery for all?

By Niti Bhan | Published: November 30, 2020

It was in July 2009 that I first attempted to visualize the significantly large subsector of informal recycling that fed the informal industrial ecosystem with re-processed ‘raw’ materials for their manufacturing output. The first draft was based on what I’d seen and documented in The Philippines, and in India, during the fieldwork for the ‘prepaid […]

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Coronavirus side-effect: Transformation of China’s business models, logistics, and service delivery

By Niti Bhan | Published: February 29, 2020

Just the way the SARs epidemic kicked off China’s e-commerce revolution back in 2003, the ongoing COVID-19 containment strategies maybe triggering an even larger transformation of the Chinese economic ecosystem. I went looking today for the earliest signals of what might be underway. Rural China is facing the biggest challenge right now as the spring […]

Also posted in Analysis, Business Models, China, Commerce en ligne (e-commerce), Consumer Behaviour, Culture, Distribution, Ecosystem, Emerging Futures, Informal & Flexible, Innovation Planning, Marketing, Migrant worker, Mobile platform, perfect storm, Perspective, Platforms, Research, Rural Economy, Scarcity, Technology, urban | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Value Webs: Structure and Characteristics of the African Market Economy

By Niti Bhan | Published: December 29, 2019

When these markets are analyzed, moreover, they turn out to have a structure very unlike those of the West. ~ The End of Corporate Imperialism by CK Prahalad and Kenneth Lieberthal, HBR “Best of 1998″ When Prahalad and Lieberthal wrote this sentence over twenty years ago, they were referring to the huge consumer markets of […]

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The legacy of Uber’s business model and app will outlive the company in Africa

By Niti Bhan | Published: August 27, 2019

As news of Uber’s possible decline and fall filters in, it behooves me to take a moment to ponder the implications for sub Saharan Africa’s digital economic ecosystem, particularly the decentralized hybrid one emerging among the erstwhile informal sectors of the economy, such as motorcycle taxis and other on demand services. While Uber itself has […]

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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 […]

Also posted in Africa, African Consumer Market, Afrique francophone, Airtime, Analysis, Articles on Design and Innovation, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Design, Ecosystem, Emerging Futures, Emerging Markets, Flexibility, global, Informal & Flexible, Innovation Planning, Kenya, Mobile platform, perfect storm, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Rural Economy, South Africa, Sub Saharan Africa, Systems, Technology, User research | Tagged , , , , | Leave a comment

The African Continental Free Trade Agreement and the Age of Interoperability

By Niti Bhan | Published: July 15, 2019

I have been writing on cross border mobile financial flows across the African continent since early 2015, when the partnerships and agreements made between African telcos to provide interoperability between their mobile money services first began to hit the headlines. In my last post back in August 2016, I asked if Cross Border Mobile Money […]

Also posted in Africa, Afrique francophone, Airtime, Alternative currency, Analysis, Assumption filter, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Ecosystem, Emerging Futures, Ghana, Income, Informal & Flexible, Kenya, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, Sub Saharan Africa, Systems, Technology, UEMOA | Tagged , , , , , , , | 1 Response

Mobile Money and the Informal Economy: A Paradigm Change

By Niti Bhan | Published: July 9, 2019

One of the most powerful pieces of data analysis I have come across recently has been the Banque de France’s working paper on the role of financial innovation in the informal economy. In my opinion, the importance of their conclusions are no less than the famous “price of fish” paper of a decade ago – […]

Also posted in Africa, Airtime, Alternative currency, Analysis, Assumption filter, Banking, Base of the Pyramid, Biashara Economics, Cashless transactions, Emerging Markets, Flexibility, Income, India, Informal & Flexible, Kenya, Literature review, Loans, Mobile platform, Prepaid Economy & Informal Sector, Research, Savings, South Asia, Sub Saharan Africa, Technology | Tagged , , , , , , , , | Leave a comment

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 […]

Also posted in Africa, African Consumer Market, Alternative currency, Banking, Biashara Economics, Business Models, Cattle, Consumer Behaviour, Flexibility, Livestock, Loans, Perspective, Prepaid Economy & Informal Sector, Rural Economy | Tagged , , , , , , , | Leave a comment


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