Category Archives: Flexibility

Can Africa’s Informal Trade Ecosystems Provide Lessons for Navigating Uncertainty and Volatility in the post Pandemic World?

It is virtually impossible today to consider emerging markets without taking into consideration the vastly different operating environment of the majority of the countries in the global South. As the map, based on GSMA data, above shows clearly in bright red and blue, the clearest indication of this difference is in the way mobile telephony […]

Also posted in Africa, African Consumer Market, Airtime, Economy, Ecosystem, Emerging Markets, Informal & Flexible, Mobile platform, Prepaid Economy & Informal Sector, Strategy, Work in Progress | Tagged , , | Leave a comment

Sensemaking in extreme conditions for enhancing resilience: Literature Review

Here, I want to explore themes of resilience and sensemaking together in extreme conditions. For now, I have considered the systemic shock of the global pandemic as an increase in volatility, complexity, and uncertainty of operating conditions, from the perspective of the informal urban food system in Nairobi, Kenya. Therefore I have deliberately excluded literature […]

Also posted in Africa, Analysis, Biashara Economics, Business, Indigenous & Traditional, Informal & Flexible, Kenya, Literature review, Perspective, Research, Retail in Africa, Risk, Sub Saharan Africa, Systems, urban, Work in Progress | Tagged , , , , , , , | Leave a comment

Half a year, 2020 : The Remote Resilience and Recovery Project

I have umpteen drafts saved, of posts I began writing since the last published one on 29th February this year, and never finished. 2020 has outdone itself in its impact on all of human society, across our entire planet. I have been active on Twitter, where my literature reviews, in service of the pivot I […]

Also posted in Africa, Base of the Pyramid, Biashara Economics, Design, Ecosystem, Frameworks, Informal & Flexible, Innovation Planning, Mama Biashara, Marketing, Perspective, Prepaid Economy & Informal Sector, Retail in Africa, rural, Strategy, Sub Saharan Africa, Systems, urban, User research, Value | Tagged , , , , , , , , , | Leave a comment

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

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 […]

Also posted in Africa, African Consumer Market, Afrique francophone, Airtime, Analysis, Articles on Design and Innovation, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Design, Economy, Ecosystem, Emerging Futures, Emerging Markets, global, Informal & Flexible, Innovation Planning, Kenya, Mobile platform, perfect storm, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Rural Economy, South Africa, Sub Saharan Africa, Systems, Technology, User research | Tagged , , , , | Leave a comment

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 – […]

Also posted in Africa, Airtime, Alternative currency, Analysis, Assumption filter, Banking, Base of the Pyramid, Biashara Economics, Cashless transactions, Economy, Emerging Markets, Income, India, Informal & Flexible, Kenya, Literature review, Loans, Mobile platform, Prepaid Economy & Informal Sector, Research, Savings, South Asia, Sub Saharan Africa, Technology | Tagged , , , , , , , , | Leave a comment

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

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 […]

Also posted in Africa, African Consumer Market, Alternative currency, Banking, Biashara Economics, Business Models, Cattle, Consumer Behaviour, Economy, Livestock, Loans, Perspective, Prepaid Economy & Informal Sector, Rural Economy | Tagged , , , , , , , | Leave a comment

Mobile Phones and the Informal Economy

Over the past week or so, I’ve been scanning literature from African researchers on the broad theme of mobile phones and the informal economy. Here are some of my top findings: The Mobile Phone is a Business Tool and Income Generator – Regardless of the region (and cultural context) of study –  Cameroon or Cote […]

Also posted in Africa, Airtime, Banking, Cashless transactions, Consumer Behaviour, Ecosystem, Income, Literature review, Mobile platform, perfect storm, Perspective, Prepaid Economy & Informal Sector, Sub Saharan Africa, Technology | 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 […]

Also 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, 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

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