Category Archives: Kenya

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 […]

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The Quiet Digital Revolution: Indigenous Innovation in Intelligent Information Systems

Big data, machine learning, and artificial intelligence are the buzzwords of the day, along with the obligatory blockchain and bitcoin. Much is being written on their potential to solve Africa’s problems, or India’s challenges. In turn, each has been promoted as the next big thing to address poverty and its discontents. Yet, we note, that […]

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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, Informal & Flexible, Marchés africains, Marketing, Mobile platform, Nigeria, Perspective, Platforms, Prepaid Economy & Informal Sector, Sub Saharan Africa, Systems, Technology, UEMOA | 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, […]

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Implications of Mobile Money Interoperability in Kenya?

Mobile money pioneer Kenya, has finally gone live this month with account to account interoperability between mobile money services. Neighbouring Tanzania pioneered interoperability between the mobile money services offered by local telcos with a soft launch back in 2014. Fears of cannibalization and zero sum scenarios were unfounded, as documented in an early evaluation report […]

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Why is the Kenyan mobile loan industry facing just a digital version of India’s MFI problems?

When you make fast, easy, short term loans available on the phone to anyone with a need for quick money, why is it a surprise when high levels of consumer debt are the result? A recent survey by financial inclusion giants like FSD and CGAP discovers that low income Kenyans have not been helped by […]

Also posted in Africa, African Consumer Market, Banking, Base of the Pyramid, Business Models, Loans, Mobile platform, Prepaid Economy & Informal Sector, Strategy, Technology | Tagged , , , , | 1 Response

Mobile First Africa: Social Media’s Boost to Rural Productivity in Kenya

Now in business for just six months, he also uses social media pages to sell his products, improving his customer reach. “Through Facebook posts I receive enquiries and orders from Kenyans in the diaspora living in the US, South Korea, South Sudan, UK, Switzerland and Botswana who want the splits to be delivered to their […]

Also posted in Africa, African Consumer Market, Biashara Economics, Business Models, Commerce en ligne (e-commerce), Informal & Flexible, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, rural, Rural Economy, Strategy, Sub Saharan Africa, Technology | Tagged , , , | Leave a comment

Why the African Consumer Market is NOT the same as the African Middle Class

The biggest challenge faced by consumer facing companies looking at the African Consumer Market is the age old positioning of the “middle class” as the ideal target audience. This middle class is segmented by the same attributes as the original middle classes who formed the consumer markets of the developed world. This is the outside […]

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Photography: Still Life in a Kitchen

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Mobiles at the Border Post: Anti-Atlas of Borders Exhibition Slides (Jan 2016)

In January 2016, our submission for the Anti-Atlas of Borders Art Exhibition in Brussels was accepted for a commission of 500e. We were thrilled and surprised since we’d never imagined our work on mobile platforms, technology, and the borderland biashara could be considered from the arts and culture point of view. Here is our story […]

Also posted in Africa, African Consumer Market, Afrique francophone, Airtime, Biashara Economics, Business Models, Consommateurs, Consumer Behaviour, Design, Informal & Flexible, Marchés africains, Migrant worker, Mobile platform, Photography, Platforms, Prepaid Economy & Informal Sector, Research, Systems, Technologie, Technology, Uganda | Tagged , , , , , , , , , | Leave a comment