Tag Archives: behavioural

Analysis of the mobile phone’s impact on cash flows and transactions in the informal sector

As we saw, Mrs Chimphamba needs to juggle time and money as part of her household financial management in order to ensure that expenses can be met by income. We also saw that the mobile phone was made viable and feasible by the availability of the prepaid business model that gave her full control over […]

Posted in About, Airtime, Analysis, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Collection, Consumer Behaviour, Economy, Expenses, Flexibility, Frameworks, global, Income, Indigenous & Traditional, Informal & Flexible, Mobile platform, Prepaid Economy & Informal Sector, Research, Rural Economy, Savings, Scarcity, Value | Also tagged , , , , , , | Leave a comment

Customer-Centric Business Model Design for Financial Inclusion

The Challenge Digital financial services (DFS) seek to bridge the chasm between the structures, policies and institutions of the formal economy, and the cash intensive informal and rural economy. Current day approaches tend to take the perspective of the service providers when assessing the market opportunity and the needs of the intended customers. And so […]

Posted in Africa, Airtime, Alternative currency, Assumption filter, Banking, Business Models, Cashless transactions, Consumer Behaviour, Design, Ecosystem, Frameworks, Innovation Planning, Mobile platform, Platforms, Prepaid Economy & Informal Sector, Process, Research, Systems, Technology, User research | Also tagged , , , , , , , , , | Leave a comment