Category Archives: Emerging Markets

Pondering India’s Cashless Future

Chhotu here accepts digital currency payments via the mobile platform on a daily basis. His QR code is prominently displayed upfront next to the bottles of sauce, and a sticker displays the icons of all the payment apps acceptable to his Bhim app. The Bhim system, launched by the Government of India, is a godsend […]

Also posted in Airtime, Alternative currency, Analysis, Banking, Biashara Economics, Business Models, Cashless transactions, Consumer Behaviour, Culture, Economy, Ecosystem, Flexibility, India, Informal & Flexible, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, South Asia, Strategy, Technology, urban | Tagged , , , , , , , , , | Leave a comment

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, Assumption filter, Banking, Business, Business Models, Cashless transactions, China, Commerce en ligne (e-commerce), Compétitivité, Economy, Ecosystem, Flexibility, Loans, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Risk, Strategy, Sub Saharan Africa, Systems, Technology, Value | 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 […]

Also posted in African Consumer Market, Analysis, Biashara Economics, Business Models, Consumer Behaviour, Ecosystem, 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 […]

Also posted in Africa, Analysis, ASEAN, Biashara Economics, Business Models, Cashless transactions, Cattle, Economy, Ecosystem, 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

Will the global trade war lead to more sustainable (and local) consumer products?

In a study titled “Competing In the Age of Multi-Localism”, ATKearney said mounting trade tariffs and other pressures have upended the global strategy – think mass-market production and achieving economies of scale – that has been a business hallmark since the early 1990s. “It’s no longer a viable strategy for many companies,” the study said. […]

Also posted in Business Models, China, Consumer Behaviour, Design, Distribution, Ecosystem, global, India, Innovation Planning, Marketing, Perspective, Platforms, Produits de grande consommation (FMCG), Strategy | Tagged | Leave a comment

The Mobile as a Post Industrial Platform for Social and Economic Development: Top 3 Trends in Africa

Just over a decade ago, in San Jose, California, I was invited to speak as the Closing Plenary for the CHI 2007 25th Anniversary Conference. The theme was “Reach Beyond”, as this was the 25th Anniversary conference of the Computer Human Interaction society, and as the closing plenary, I was tasked with articulating the vision […]

Also posted in Africa, African Consumer Market, Analysis, Business Models, Design, Ecosystem, Emerging Futures, Innovation Planning, Marchés africains, Mobile platform, Perspective, Platforms, Strategy, Sub Saharan Africa, Technology | Tagged , , , , , , , , | Leave a comment

The Informal Industrial Ecosystem: An Introduction to REculture

This article introduces and explains some things I’ve been seeing in the informal industrial ecosystem in the developing world context for almost a decade now. First noticed in 2009, I then named it REculture, a neologism to capture the vast and complex ecosystem I saw in the revenue generating facility of recycle, replace, repurpose, reuse […]

Also posted in Articles on Design and Innovation, Base of the Pyramid, Biashara Economics, Business Models, Ecosystem, Emerging Futures, Frugality, global, Perspective, REculture, Research, Systems, Technology | Tagged , , , , , , , | Leave a comment

IKEA in India: Culture Centered Design Strategy

Its taken more than 10 years for single brand retail stores to enter the Indian market, and this year sees India’s first IKEA opening in Hyderabad. TS Ninan introduced their retail challenge succinctly, though he left me wanting more. And this snippet from an interview with the market opening CEO of IKEA in India (who, […]

Also posted in Articles on Design and Innovation, Design, India, Marketing, Perspective, Strategy | Tagged , , | Leave a comment

The comparative global impact of Alibaba vs. Amazon

Alibaba Business School and the United Nations Conference on Trade and Development (UNCTAD) brought 29 young entrepreneurs from 11 countries across Africa to the Alibaba campus in Hangzhou, China for the third eFounders Fellowship cohort. Chinese corporate soft power influence is production driven, not consumption focused. Alibaba, the e-commerce giant with digital payment tentacles, has […]

Also posted in Africa, Business Models, China, Commerce en ligne (e-commerce), Ecosystem, Innovation Planning, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Retail in Africa, Strategy, Sub Saharan Africa, Systems, Technology, Value | Tagged , , , , , , , , , , , | Leave a comment

Primer on African Fintech: Myths, Misconceptions, Opportunities, Hotspots and Roadblocks

As we prepare to start work for our third African fintech client, I thought it was time to quickly and briefly introduce the opportunity space and clear up some misunderstandings around fintech in Africa. The first point is the common confusion between Fintech and financial inclusion. Investopedia’s definition of Fintech says financial inclusion, that is, […]

Also posted in Africa, Afrique francophone, Airtime, Alternative currency, Banking, Biashara Economics, Cashless transactions, Commerce en ligne (e-commerce), Economy, Ecosystem, Kenya, Mobile platform, Nigeria, Perspective, Prepaid Economy & Informal Sector, Sub Saharan Africa, Technology, UEMOA | Tagged , | Leave a comment