Tag Archives: mpesa

IMD Case Study – how Mpesa’s adoption transformed Safaricom

By | April 26, 2021

There is a case study on Safaricom that supports my viewpoint – that first one must consider the operating environment pragmatically prior to design and delivery of services for low income markets for a successful outcome that then drives the transformation of both the customer base and the corporation, giving rise to new ecosystems and… Read More »

Lessons from African Fintech for the Gig Economy

By | December 20, 2018

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… Read More »

Implications of Mobile Money Interoperability in Kenya?

By | April 17, 2018

Mobile money pioneer Kenya, has finally gone live this month with account to account interoperability between mobile money services. Neighbouring Tanzania pioneered interoperability between the mobile money services offered by local telcos with a soft launch back in 2014. Fears of cannibalization and zero sum scenarios were unfounded, as documented in an early evaluation report… Read More »

Mpesa takes on Banks with Mobile wallet linked Prepaid Card

By | July 12, 2016

On June 10th, Kenya’s leading mobile payments platform, Mpesa, announced it was piloting a Lipa na Mpesa prepaid card linked to mobile wallets. The card is an interesting product in a Kenya’s payment market turf wars. Banks versus a dominant Telcos, Safaricom. According to Techweez, “The card, mirrors a user’s M-Pesa account, meaning whatever amounts… Read More »

Emerging Markets Competition – this time its technology

By | May 19, 2015

Around twenty years ago, when the Indian and Chinese markets first opened up to global brands, many were surprised to discover domestic incumbents were stronger than they had imagined. Proctor & Gamble’s laundry detergents battled for the Indian housewife’s attention and share of wallet. It wasn’t just their usual competitor Unilever either but indigenous upstarts… Read More »

‘Mpesa si pesa’ – mobile money’s collision with informal sector’s cash culture

By | April 27, 2015

Ever since mobile money (MM) came along, ‘cashless’ is all the rage in East Africa. Money experts have a sack-full of reasons why mobile money is good for the economy. The truth is, however, making a case for MM is easy – no doubt, but, one perspective that is often left out in almost all… Read More »

Connecting the Continent: Mobile Money across Africa

By | April 24, 2015

With much less fanfare than banking and accounts, a quieter revolution has been taking place on the electronic pathways connecting people in African regions. Historically competitive telcos are shaking hands and joining forces on mobile money. Interoperability has long been a dream and it is only now that we see things starting to take shape.… Read More »

The Informal Economy Symposium, Barcelona on October 12th 2012

By | September 13, 2012

Our aim with this symposium is to explore the global scope, innovations and potential futures of the informal economy. Opening Keynote will be John Keith Hart, who coined the term “informal economy” and the day long symposium on the 12th of October will be closed by John Thackara.  There will be three panel discussions, as… Read More »

Pondering a new prepaid research focus

By | December 7, 2011

Ever since I completed the first Prepaid Economy study which looked at how those on irregular income streams managed their household finances – focusing on rural Philippines and India – I’ve been curious about rural Kenya. I’ve long wanted to delve into the impact, if any, of the mobile money systems that have rapidly gained… Read More »