Category Archives: Informal & Flexible

Africa’s Delivery On Demand Apps are Transforming the Informal Economy

When women in rural Rwanda can buy sanitary napkins and contraceptives, on demand, simply by pushing a few buttons on their phones, you know the digital informal economy is here to stay. And, its not just imported apps and social enterprises pushing this digital commercial activity. The “uberization” of the African informal economy is well […]

Also posted in Africa, African Consumer Market, Biashara Economics, Business Models, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Distribution, Ecosystem, Emerging Futures, Flexibility, Frameworks, Innovation Planning, Mama Biashara, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Retail in Africa, Strategy, Sub Saharan Africa, Technology, Value | Tagged , , , , , | Leave a comment

From the Caterpillar to the Butterfly: Africa’s Mobile Boom Years Are Over, Here’s What Next

For the past 15 years, Africa watchers have been waiting for her mobile phone industry to reach a critical landmark – almost full saturation of the market. This milestone may be close at hand, as recent news and data show. In June 2018, Kenyan mobile subscriptions reached 98% penetration, a 13% jump over the previous […]

Also posted in Africa, African Consumer Market, Afrique francophone, Airtime, Emerging Markets, Ghana, global, Kenya, Marchés africains, Marketing, Mobile platform, Nigeria, Perspective, Platforms, Prepaid Economy & Informal Sector, Sub Saharan Africa, Systems, Technology, UEMOA | Tagged , , , , , , , | Leave a comment

What happens when the informal economy is not criminalized? : Case of Hargeisa, Somaliland

In Hargeisa, the role of the informal economy during and after conflict has been vital to conflict prevention and peace-building. A recently released report by Cardiff University and Somaliland research partners on their work related to the role of urban informal economies in conflict zones offers us perspective from another angle. A little thin on […]

Also posted in Africa, Biashara Economics, East African Community, Economy, Ecosystem, Perspective, Prepaid Economy & Informal Sector, Report Review, Research, Sub Saharan Africa, Systems, urban, User research, Value | Tagged , , , , , | Leave a comment

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, Emerging Markets, Flexibility, India, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, South Asia, Strategy, Technology, urban | 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, Emerging Markets, Frameworks, Indigenous & Traditional, Livestock, Mama Biashara, Perspective, Philipines, Prepaid Economy & Informal Sector, Research, Rural Economy, Savings, Strategy, Sub Saharan Africa, User research | Tagged , , , , , , , , | Leave a comment

Competitive Advantage & Customer Relationships: Lessons from Market Mummies of Ghana

How would you differentiate yourself in this informal retail market? Ghanaian market research guru Gerry van Dyke took a closer look at the market ‘mummies’ – Mama Biashara, as we call her – and their consumer marketing techniques in the “non-label environment”. His findings form an excellent foundation for understanding marketing and customer relationships in […]

Also posted in African Consumer Market, Biashara Economics, Business, Consumer Behaviour, Culture, Ghana, Indigenous & Traditional, Mama Biashara, Marketing, Perspective, Prepaid Economy & Informal Sector, urban, User research | Tagged , , , , , , , , | Leave a comment

How informal financial services can lower the barriers to formal financial inclusion

Around 2 and a half years ago, I was on a short visit to Abidjan, the capital of Cote D’Ivoire as a guest of the African Development Bank. They were holding an innovation weekend for young women and men in the Francophone West African region who were interested in becoming entrepreneurs. David O. Capo Chichi, […]

Also posted in Africa, Afrique francophone, Analysis, Banking, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, Design, Flexibility, Income, Indigenous & Traditional, Innovation Planning, Mama Biashara, Marchés africains, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Research, Retail in Africa, Savings, Strategy, Sub Saharan Africa, UEMOA | Tagged , , , , , , , | Leave a comment

Context Sensitive Law: What happens when African societal norms meet modern commercial practice?

In short, social forces shape contracts: the stronger the sense of community, the more effective these sanctions are likely to be. The result: A privately ordered system of business behaviour, which exists without reference to the governing law of the state. The underlying adhesive: community. In the absence of conventional forms of collateral, my contract […]

Also posted in Africa, Biashara Economics, Business Models, Consumer Behaviour, Culture, Indigenous & Traditional, Marchés africains, Prepaid Economy & Informal Sector, Research, South Africa | Tagged , , , , | Leave a comment

Why does the prepaid model work so well and what are the lessons for business model innovation?

Increasingly, employment is becoming ad hoc and flexible. The gig economy and the informal sector share a common characteristic of incomes which are irregular and unpredictable, unlike the timely wages characteristic of formal employment. Both budgeting and planning thus become a challenge when there’s no predictable paycheck to rely on. Expenses are managed against cash […]

Also posted in African Consumer Market, Analysis, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, Design, Emerging Markets, Flexibility, Frameworks, Income, Innovation Planning, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Research, Retail in Africa, Rural Economy, Strategy | Tagged , , , , , , | Leave a comment

The African Informal Sector: GDP Contribution vs Scale of Human Impact

The informal economy in sub Saharan Africa (SSA) tends to be measured as a share of GDP, counting its contribution to the national economy. By this metric, Nigeria has the most economically empowered informal sector, contributing over 60% to the GDP. On the other extreme, South Africa, has one of the smallest contributions to the […]

Also posted in Africa, Base of the Pyramid, Biashara Economics, Economy, Emerging Markets, Perspective, Prepaid Economy & Informal Sector, Strategy, Sub Saharan Africa, UCSD | Tagged , , , | Leave a comment