Category Archives: Biashara Economics

Less Technologically Advanced Societies are not necessarily backward or primitive: Assume at your own risk

By Niti Bhan | Published: December 26, 2019

This illustration by Jeroen Meijer of Jam Visueldenken of Amsterdam, The Netherlands, was created for our team during a workshop to capture the insights from a feasibility study on agritech we had completed for the Dutch government’s sustainable agricultural value chain development at Wageningen University’s Economic Research unit back in mid 2013. I’m pulling it […]

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The Research – Practice Gap for a Kenyan Mobile Startup Business

By Niti Bhan | Published: November 9, 2019

There is very little literature on business operations management, and product development methodology  that actually helps African SMEs and startups to navigate their own operating environment with its local characteristics. Analysts struggle with frameworks and processes developed in highly industrialized contexts as a means to evaluate the strategies of businesses and solutions with local or […]

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Is Design Prepared to be Responsible?

By Niti Bhan | Published: November 7, 2019

Last week, I was invited to join a 60 strong group of pan African thinkers in law, human rights, gender, debt and related issues to convene in Nairobi to explore the concept of predatory lending now being delivered direct to your handheld device. As a human centered designer, I was rocked back on my heels […]

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The legacy of Uber’s business model and app will outlive the company in Africa

By Niti Bhan | Published: August 27, 2019

As news of Uber’s possible decline and fall filters in, it behooves me to take a moment to ponder the implications for sub Saharan Africa’s digital economic ecosystem, particularly the decentralized hybrid one emerging among the erstwhile informal sectors of the economy, such as motorcycle taxis and other on demand services. While Uber itself has […]

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The Perfect Storm: A Continent, A Phone, A Business Model

By Niti Bhan | Published: July 20, 2019

In the mid 1990s, in a small city in northern Finland, engineers and designers began work on the product development of a mobile phone that would eventually become one of the best selling Nokia models ever – the 3310, released in Europe and the Far East in the year 2000. The continent of Africa was […]

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The African Continental Free Trade Agreement and the Age of Interoperability

By Niti Bhan | Published: July 15, 2019

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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New Market Opportunity: The Digitalisation of African Agriculture

By Niti Bhan | Published: July 12, 2019

Just over two weeks ago, I analyzed a report on the Digitalization of African Agriculture on twitter. Bandwidth heavy PDFs aren’t user friendly for mobile first or mobile only browsing environments, such as prevalent across much of the African continent, and ‘granulating’ reports is something I’ve gotten into the habit of doing quite regularly for […]

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Mobile Money and the Informal Economy: A Paradigm Change

By Niti Bhan | Published: July 9, 2019

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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The results, two years on, from Kenya’s Movable Property Security Rights Act 2017

By Niti Bhan | Published: July 6, 2019

Movable property such as household goods, livestock and office equipment has helped add 183,487 loan accounts into the banking sector, a Kenya Bankers Association (KBA) report shows. […] “The loans that flow out of the banking system on the basis of assets in the register has been growing. This shows that the alternative collateral has […]

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