Percentage of prepaid connections – global map 2013 data
Click on the image for the larger version. This is the mapped version of the latest data available on GSMA’s development website*, where you can sort through by region and country. The last available global map didn’t really break it down by country so much as continents, and even now, due to this being ‘development’ […]
Analysing shifts in consumer household purchasing patterns – Milk ATMs in Kenya
“We are selling one litre at Sh65, but a consumer can get as little as 77ml at a cost of Sh5. All one needs to do is key in the amount they require, and the product is dispensed,” Gitonga, who procures his machines from Italy, said. Flexibility is the key to survival, indeed. This quote […]
The mechanization of donkey water, a symbol of economic progress
There’s a snippet of interesting insight in this news article from Hargeisa City in Somaliland. Traditional donkey carts supplying water are being replaced by motorcycles and this has been framed as a sign of increasing development and economic activity by the journalist. Its a local invention, this “Bajaj Water Tanker” as its called, a prime […]
Prepaid services for water in Africa – survey
An increasing number of African water utilities are turning to pre-paid metering in order to curb wastage, claw back lost revenues and extend service coverage. Do the rewards justify the high roll-out costs? Chris Heymans, senior water and sanitation specialist at the World Bank, is currently undertaking a study of pre-paid services in eight cities […]
Service design for the prepaid economy: Continuing the case of Google’s Bebapay in Nairobi
The previous post on the sluggish adoption of Google’s BebaPay, a cashless prepaid card introduced in Nairobi as a payment mechanism for public transportation, had me pondering the challenge of designing services for the informal sector. There are two main challenges that I see here, which don’t seem to have been taken into consideration during […]
The curious case of Google’s Beba Pay: a mobile payment app that users refuse to adopt
This week, news from Nairobi, that hotbed of mobile money innovation, opened up a Pandora’s box of reflections on payment plans, service design issues and the challenge of technology adoption in the mass markets of the African informal economy. None of these are ‘bad’ things in their own right, but taken together, they have resulted […]
A design challenge for agric service innovation in rural Africa
Find a way to embed principles of sustainable good agriculture for the smallscale farmer in a socio-economically beneficial way. How would we do this? Where do we begin? The answers to these questions and more will be forthcoming on this blog. I reach out and encourage you all to consider submitting your thoughts and opinions […]
Part 4: The visual documentation of the original research on rural economic behaviour
I have uploaded a PDF synopsis of the fieldwork conducted during the original Prepaid Economy research including approach and methodology. Also documented are the different ways those in the rural economy manage their ‘investments’. These images support the observations documented in Part 2 and my thoughts on rural Indian cow ownership have been fleshed out […]
Part 3: Synthesis and Insights from original research on rural economic behaviour
One can conclude from synthesizing the data collected across the geographies and the range of “BoP” income levels that rural households demonstrated similar patterns of behaviour in their management of household expenses on irregular income streams. These are: the rapid conversion of cash into tangible assets such as goods or livestock, the subsequent storage of […]
Part 2: The Observations made during original research on rural economic behaviour
One can roughly consider the relative income (or wealth) across three regions where observations were conducted on a continuum where the Indian village was the ‘wealthiest’ while the Malawians were living closest to the edge. However, on synthesizing the combined data collected across geographies, patterns of financial behaviour emerged that showed similarities of intention and […]
