Category Archives: Frameworks

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

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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Lessons from African Fintech for the Gig Economy

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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All Hail the Business Model Behind the Global Gig Economy

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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Africa’s Delivery On Demand Apps are Transforming the Informal Economy

When women in rural Rwanda can buy sanitary napkins and contraceptives, on demand, simply by pushing a few buttons on their phones, you know the digital informal economy is here to stay. And, its not just imported apps and social enterprises pushing this digital commercial activity. The “uberization” of the African informal economy is well […]

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Lessons from the Informal Economy: Managing on Irregular Payments in the Gig Economy

Last week, an unusual report was released in Great Britain. Lloyds Banking Group (LBG), together with the Resolution Foundation, addressed the question of earnings volatility in the UK, a first for a developed country with a formal economy. Their research and analysis made use of anonymised transaction data from over seven million LBG accounts. That […]

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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 […]

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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 […]

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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 […]

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Tecno and Nokia: The tale of two brands

Chinese mobile maker’s original brand strategy succeeds in Africa: Transsion’s Tecno This year, Nokia got shoved out of the top 10 most admired brands in Africa list, not bad for a company that had lost its way in emerging markets 7 or 8 years ago. As an old (in all senses of the word) Nokia […]

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Why does the prepaid model work so well and what are the lessons for business model innovation?

Increasingly, employment is becoming ad hoc and flexible. The gig economy and the informal sector share a common characteristic of incomes which are irregular and unpredictable, unlike the timely wages characteristic of formal employment. Both budgeting and planning thus become a challenge when there’s no predictable paycheck to rely on. Expenses are managed against cash […]

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