Category Archives: South Africa

Observations: Rural BoP and the cash economy

Investment or Independence?          Photo Credit: Goverdhan Meena Across the board, the particular characteristic that most stood out during my conversations with the rural populace in India and The Philippines, as well as prior experiences elsewhere, was their undeniable pride in their degree of self reliance, and thus, their level of independence from […]

Also posted in Assumption filter, Base of the Pyramid, Cashless transactions, Consumer Behaviour, Culture, Economy, Expenses, India, Indigenous & Traditional, Livestock, Migrant worker, Philipines, Projects and Reports, Research, rural, Rural Economy, Savings, South Asia, User research, Value | Leave a comment

Some thoughts on community based models for sharing costs

We found that the key factor that makes 'prepaid' payment plans (whether its for electricity, mobile phones, water etc) so attractive to the BoP customer, in the context of their own behaviour patterns regarding the management of their personal finances. This is the fact that this model puts significant control over time – frequency and […]

Also posted in Africa, ASEAN, Base of the Pyramid, Business Models, Consumer Behaviour, Culture, Design, Informal & Flexible, Loans, Research, rural, Savings, South Asia, Sub Saharan Africa, User research, Value | Leave a comment

The BoP are people too – a shift in storytelling

Reading the recent post on "Portfolios of the Poor: How the Poor Live on Less Than $2 a Day" by Rob Katz on nextbillion.net, it struck me that this might be an early signal of a shift away from simply segmenting the billions at the BoP by income, not that that isn't useful. But coverage […]

Also posted in Africa, ASEAN, Banking, Base of the Pyramid, Business Models, Consumer Behaviour, Culture, Economy, Expenses, Income, Indigenous & Traditional, Informal & Flexible, Literature review, Research, rural, Savings, Sub Saharan Africa, urban, User research | Leave a comment

Airtime airlines – literally paying as you go

From Wired comes news of this innovative business model and pricing strategy just announced by a new South African airline, here's a longish snippet describing how it will all work, if they manage to get things off the ground, so to speak: Taking a cue from the cellphone industry, an upstart South African airline is […]

Also posted in Africa, Airtime, Base of the Pyramid, Business Models, Cashless transactions, Mobile platform, Research, Strategy | Leave a comment