Search Results for: seasonality

Seasonality as an element of contextual planning for emerging consumer markets

Growing up as a Hindu expat in multicultural ‘West Malaysia’ of the 1970s and 80s, it was a matter of course that every festival would be a big occasion. We had Christmas in December, and Chinese New Year soon after, to be followed by Hari Raya (Eid) and Deepawali – each of them deserving of […]

Posted in African Consumer Market, Analysis, ASEAN, Assumption filter, Biashara Economics, Consumer Behaviour, Culture, Emerging Markets, Indigenous & Traditional, Mama Biashara, Marchés africains, Marketing, Prepaid Economy & Informal Sector, Retail in Africa, Strategy | Tagged , , , , , , , , | Leave a comment

Mapping global seasonality: national times of abundance and scarcity?

Connecting some dots made me think of this exercise. If national governments are increasingly looking at ways to bridge the informal economy with the formal, in order to provide more inclusive benefits to their citizens and at the same time there’s an increasing focus on providing inclusive financial services to those outside of the formal […]

Posted in Africa, ASEAN, Assumption filter, Banking, Base of the Pyramid, Business Models, Cashless transactions, China, Consumer Behaviour, Culture, Economy, global, Income, India, Indigenous & Traditional, Informal & Flexible, Kenya, Migrant worker, Philipines, Research, rural, Senegal, South Africa, South Asia, Strategy, Sub Saharan Africa, User research | Leave a comment

Seasonality in incomes still underrated as influence on purchasing patterns

While the BBC has begun questioning the oft quoted “$1 a day” statistic used most often to demonstrate the bottom billion below the global poverty line, they barely touch upon the impact of seasonality on the population segment’s cash flow, and thus, their bottom line. And surprisingly perhaps, people who live on $1 a day […]

Posted in Assumption filter, Base of the Pyramid, Business Models, Consumer Behaviour, Culture, Economy, global, Income, Indigenous & Traditional, Informal & Flexible, Research, Strategy, User research, Value | Leave a comment

Seasonality and its influence on rural BoP household financial management

Fallow field, Sawai Madhopur, Rajasthan India  January 2009 I first noticed the influence of seasonality on income halfway during the Indian fieldwork. On one hand, its but natural that the seasons are linked to a farmer's cash flow, dependent as it is on the harvest. But it was when I met the silversmith that I […]

Posted in Africa, Alternative currency, Assumption filter, Base of the Pyramid, Business Models, Cashless transactions, Consumer Behaviour, Culture, Economy, Expenses, Income, India, Loans, Philipines, Research, rural, Savings, South Asia, Strategy, User research | Leave a comment

Situating one’s rant within business model typology for rural and low income markets

After yesterday’s post on stripping out social considerations to allow for a pragmatic economic assessment of viability prior to investing in infrastructure for service delivery to rural customers, I looked up literature on the general theme. Site selection as a keyword brought a slew of articles focusing on GIS technology, primarily from the lens of […]

Posted in Biashara Economics, Business Models, Consumer Behaviour, Frameworks, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Literature review, Marketing, Perspective, Retail in Africa, Rural Economy, Strategy, Sub Saharan Africa, Work in Progress | Tagged , , , , , , , , , | Leave a comment

Is a business inclusive if its doing business in rural Africa? Why modeling economic capacity matters

Whether a business thinks of itself as inclusive or not, it must consider the sustainability of revenue streams and their expected duration, prior to committing themselves to infrastructural investments in rural locations of the global South. Those that position themselves as inclusive businesses – regardless of size, must consider the value being created for their […]

Posted in Africa, African Consumer Market, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, Distribution, East African Community, Economy, Ecosystem, Emerging Markets, Income, Informal & Flexible, Literature review, Marketing, Perspective, Prepaid Economy & Informal Sector, rural, Rural Economy, Strategy, Sub Saharan Africa, Systems, Technology, User research, Work in Progress | Tagged , , , , , , , , | Leave a comment

Lessons from African Fintech for the Gig Economy

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 […]

Posted in Africa, Airtime, Alternative currency, Analysis, Assumption filter, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consumer Behaviour, Economy, Ecosystem, Emerging Futures, Emerging Markets, Flexibility, Frameworks, Income, Informal & Flexible, Kenya, Loans, Mobile platform, Perspective, Philipines, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, Sub Saharan Africa, Systems, Technology | Tagged , , , , , , , , , , , , | 1 Response

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 […]

Posted in Assumption filter, Banking, Biashara Economics, Business, Economy, Ecosystem, Emerging Futures, Frameworks, global, Innovation Planning, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, Systems | 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 […]

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, Systems, User research | Tagged , , , , , , , | Leave a comment

Rural Household Financial Management on Irregular Incomes

While all farms are not alike, and scale and variety and geography differs, the pattern of household financial management holds its fundamental logic across continents. As we saw previously, an experienced farmer tends to fall somewhere in between a salaried employee and an odd job labourer in their ability to predict with any reasonable degree […]

Posted in Africa, Analysis, ASEAN, Biashara Economics, Business Models, Cashless transactions, Cattle, Economy, Ecosystem, Emerging Markets, Frameworks, Indigenous & Traditional, Informal & Flexible, Livestock, Mama Biashara, Perspective, Philipines, Prepaid Economy & Informal Sector, Research, Rural Economy, Savings, Strategy, Sub Saharan Africa, User research | Tagged , , , , , , , , | Leave a comment

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