Tag Archives: framework

Fundamental Elements of Informal Sector Commercial Activity

There are two key elements which underpin the dynamics of any business or commercial enterprise in the informal sector. These are Time and Money. A generalized framework can be diagrammed, as shown above, where the dotted line denotes the degree of uncertainty and volatility of an individual’s cash flow patterns – whether from a variety […]

Posted in African Consumer Market, Analysis, Assumption filter, Base of the Pyramid, Biashara Economics, Business Models, Economy, Ecosystem, Emerging Markets, Flexibility, Frameworks, global, Income, Informal & Flexible, Migrant worker, Prepaid Economy & Informal Sector, Projects and Reports, Research, Risk, Rural Economy, South Asia, Strategy, Sub Saharan Africa, User research | Also tagged , , , , , , , , , , , , | Leave a comment

A theoretical approach to Value for Money in aid & development: Optimizing research and design for ‘best fit’ iterative programming

Last year, I briefly touched upon this concept as an approach to cost effective programme design that was still flexible enough to provide room for iteration for best fit. Today, I want to explore the concept further to evaluate its potential as a framework for incorporating the concurrent shift in development thinking towards Value for […]

Posted in Ecosystem, Flexibility, Frameworks, Innovation Planning, Perspective, Process, Strategy, Systems, UCSD, User research, Value | Also tagged , , , , , , , , , , , | Leave a comment

The 5C’s of Cashless

The Reserve Bank of India has unveiled their Vision 2018, an ambitious plan to shove the juggernaut into a cashless future. Here are their pithy yet to the point 5C’s, which focus the framework on a set of objectives. Coverage – by enabling wider access to a variety of electronic payment services Convenience – by […]

Posted in Banking, Cashless transactions, Design, Economy, Ecosystem, Frameworks, India, Innovation Planning, Mobile platform, Prepaid Economy & Informal Sector, Research, Strategy, Systems, Technology | Also tagged , , , , | Leave a comment

A Framework for New Market Entry Strategy

There are two parts to this article: The first is a revision of the lenses through which we assess the landscape within which your new market strategy will be expected to operate; and the second covers your implicit assumptions at inception, as well as gaps in your  mental model. 1. The lenses for innovation need […]

Posted in African Consumer Market, Assumption filter, Business Models, Consumer Behaviour, Design, Ecosystem, Emerging Markets, Frameworks, Innovation Planning, Marketing, Mobile platform, Perspective, Research, Retail in Africa, Strategy, Systems | Also tagged , , , , , , | Leave a comment

In sum

Irregular income streams from a variety of sources pose their own challenges to both buyers and sellers but offer an opportunity through the flexibility designed into business models for the informal economies where this pattern of cash flow tends to be much more prevalent. Flexibility is key, as well as the ability to negotiate on […]

Posted in Alternative currency, Assumption filter, Banking, Base of the Pyramid, Business Models, Cashless transactions, Consumer Behaviour, Design, Flexibility, global, Income, Informal & Flexible, Research, Strategy, User research, Value | Also tagged , , , , , , | Leave a comment

M-PESA and the service innovation framework (review)

A former student of mine just mailed me this article “Extracting Key Lessons in Service Innovation” (pdf) by S.Wooder and S. Baker, recently published in the Journal of Product Innovation Management, January 2012 edition. Here is the abstract of the article: This paper describes how Sagentia—working with Vodafone, Safaricom, and other organizations—played a significant role […]

Posted in Africa, African Consumer Market, Airtime, Alternative currency, Assumption filter, Banking, Base of the Pyramid, Cashless transactions, Consumer Behaviour, Design, Ecosystem, Flexibility, Frameworks, Informal & Flexible, Innovation Planning, Kenya, Literature review, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Strategy, Systems, Technology, Value | Also tagged , , | Leave a comment

M-PESA and the service innovation framework (extract)

A former student of mine just mailed me this article “Extracting Key Lessons in Service Innovation” (pdf) by S.Wooder and S. Baker, recently published in the Journal of Product Innovation Management, January 2012 edition. Here is the abstract of the article: This paper describes how Sagentia—working with Vodafone, Safaricom, and other organizations—played a significant role […]

Posted in Analysis, Business, Design, Ecosystem, Emerging Markets, Innovation Planning, Kenya, Mobile platform, Platforms, Prepaid Economy & Informal Sector, Process, UCSD, User research | Also tagged , , , , , , , , , | 2 Responses