Category Archives: Systems

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 […]

Also posted in Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consumer Behaviour, Culture, Emerging Markets, Flexibility, Frameworks, Income, Informal & Flexible, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Technology | Tagged , , , , , , , , | Leave a comment

From the Caterpillar to the Butterfly: Africa’s Mobile Boom Years Are Over, Here’s What Next

For the past 15 years, Africa watchers have been waiting for her mobile phone industry to reach a critical landmark – almost full saturation of the market. This milestone may be close at hand, as recent news and data show. In June 2018, Kenyan mobile subscriptions reached 98% penetration, a 13% jump over the previous […]

Also posted in Africa, African Consumer Market, Afrique francophone, Airtime, Emerging Markets, Ghana, global, Informal & Flexible, Kenya, Marchés africains, Marketing, Mobile platform, Nigeria, Perspective, Platforms, Prepaid Economy & Informal Sector, Sub Saharan Africa, Technology, UEMOA | Tagged , , , , , , , | Leave a comment

What happens when the informal economy is not criminalized? : Case of Hargeisa, Somaliland

In Hargeisa, the role of the informal economy during and after conflict has been vital to conflict prevention and peace-building. A recently released report by Cardiff University and Somaliland research partners on their work related to the role of urban informal economies in conflict zones offers us perspective from another angle. A little thin on […]

Also posted in Africa, Biashara Economics, East African Community, Economy, Ecosystem, Informal & Flexible, Perspective, Prepaid Economy & Informal Sector, Report Review, Research, Sub Saharan Africa, urban, User research, Value | Tagged , , , , , | Leave a comment

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 […]

Also posted in Assumption filter, Banking, Biashara Economics, Business, Economy, Ecosystem, Emerging Futures, Frameworks, global, Innovation Planning, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Strategy | 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, Business Models, 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, 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, Business Models, Consumer Behaviour, Ecosystem, Emerging Markets, Frameworks, India, Perspective, Prepaid Economy & Informal Sector, Research, Rural Economy, South Asia, Strategy, Sub Saharan Africa, User research | 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, Business Models, Ecosystem, Emerging Futures, Emerging Markets, Frugality, global, Perspective, REculture, Research, Technology | Tagged , , , , , , , | Leave a comment

Can the structure for innovation planning be used to disrupt itself?

This diagram is from Vijay Kumar’s 101 Design Methods. It is the basis for his structured approach for innovation planning, and the essence of what is taught at the methods driven human centered design program at the Institute of Design, IIT Chicago. Today I want to question some of the fundamental assumptions that underlie it […]

Also posted in Design, Innovation Planning, Perspective | 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 […]

Also posted in Analysis, Business Models, China, Consumer Behaviour, Culture, Design, Emerging Futures, global, India, Innovation Planning, Risk, Strategy, Technology | 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, Business Models, 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, Technology, Value | Tagged , , , , , , , , , , , | Leave a comment