Category Archives: Assumption filter

The African Continental Free Trade Agreement and the Age of Interoperability

I have been writing on cross border mobile financial flows across the African continent since early 2015, when the partnerships and agreements made between African telcos to provide interoperability between their mobile money services first began to hit the headlines. In my last post back in August 2016, I asked if Cross Border Mobile Money […]

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Mobile Money and the Informal Economy: A Paradigm Change

One of the most powerful pieces of data analysis I have come across recently has been the Banque de France’s working paper on the role of financial innovation in the informal economy. In my opinion, the importance of their conclusions are no less than the famous “price of fish” paper of a decade ago – […]

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Tips on managing African fake news articles and websites

Today, I was faced with the challenge of having to choose between two conflicting quotes attributed to the same spokesperson, during the same press conference. Attempting to uncover an authoritative source for the content in order to discern which of the two was authentic led me down a rabbit hole of fake news sites allegedly […]

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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 […]

Also posted in Africa, Airtime, Alternative currency, Analysis, 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

Why the Potential of the African Consumer Market Cannot be Considered in Isolation from the Informal Economy

Top flight management consulting firms like McKinsey, BCG, Deloitte, PwC et al have been taking a good long look at the emergent African Consumer Market for a number of years now. McKinsey, in fact, has just released a book on the theme, authored by their leading Africa experts. All of them acknowledge the existence of […]

Also posted in Africa, African Consumer Market, Analysis, Biashara Economics, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Distribution, Ecosystem, Emerging Markets, Innovation Planning, Marchés africains, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Report Review, Retail in Africa, Strategy, Sub Saharan Africa | Tagged , , , , , | Leave a comment

The Quiet Digital Revolution: Indigenous Innovation in Intelligent Information Systems

Big data, machine learning, and artificial intelligence are the buzzwords of the day, along with the obligatory blockchain and bitcoin. Much is being written on their potential to solve Africa’s problems, or India’s challenges. In turn, each has been promoted as the next big thing to address poverty and its discontents. Yet, we note, that […]

Also posted in Cattle, Design, Ecosystem, India, Innovation Planning, Kenya, Livestock, Perspective, Research, rural, Rural Economy, Strategy, Sub Saharan Africa, Systems, Technology, User research | 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 […]

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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, 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, Systems, Technology, Value | Tagged , , , , , , , , , | Leave a comment