Category Archives: Prepaid Economy & Informal Sector

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 […]

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From Flat to Fragmented: Observing the Impact of Sudden Jump in Complexity on Startup’s Development Journey

With increasing diversity of factors that impact the product development journey comes increasing complexity in managing the product development process. For startups in particular, there is little difference between the startup’s development journey and the product development journey. Consider the phases of the startup development journey as illustrated by StartupCommons below: Validation and Growth phases […]

Also posted in Articles on Design and Innovation, Design, Ecosystem, Education, Emerging Markets, Frameworks, global, Innovation Planning, Kenya, Marketing, Mobile platform, Perspective, Platforms, Projects and Reports, Research, Strategy, Sub Saharan Africa, Systems, Technology | Tagged | Leave a comment

Less Technologically Advanced Societies are not necessarily backward or primitive: Assume at your own risk

This illustration by Jeroen Meijer of Jam Visueldenken of Amsterdam, The Netherlands, was created for our team during a workshop to capture the insights from a feasibility study on agritech we had completed for the Dutch government’s sustainable agricultural value chain development at Wageningen University’s Economic Research unit back in mid 2013. I’m pulling it […]

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Is Design Prepared to be Responsible?

Last week, I was invited to join a 60 strong group of pan African thinkers in law, human rights, gender, debt and related issues to convene in Nairobi to explore the concept of predatory lending now being delivered direct to your handheld device. As a human centered designer, I was rocked back on my heels […]

Also posted in Africa, African Consumer Market, Airtime, Banking, Base of the Pyramid, Biashara Economics, Business, Business Models, Design, Ecosystem, Innovation Planning, Perspective, Rural Economy, Strategy, Systems, Technology, User research | Tagged , , , , , , , | Leave a comment

The legacy of Uber’s business model and app will outlive the company in Africa

As news of Uber’s possible decline and fall filters in, it behooves me to take a moment to ponder the implications for sub Saharan Africa’s digital economic ecosystem, particularly the decentralized hybrid one emerging among the erstwhile informal sectors of the economy, such as motorcycle taxis and other on demand services. While Uber itself has […]

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Decolonizing Africa’s Informal Economy

I’ve been reviewing the seminal literature on decolonization as it relates to my professional practice, all in various books from the library – Dr Elizabeth (Dori) Tunstall’s Decolonizing Design Innovation; Professor Linda Tuhiwai Smith’s Decolonizing Methodology; Kagendo Mutua and BB Swadener’s Decolonizing Research in Cross-Cultural Contexts; specific articles such as Dr. Pranee Liamputtong’s Cross-Cultural Research […]

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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 […]

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The African Continental Free Trade Agreement and the Age of Interoperability

I have been writing on cross border mobile financial flows across the African continent since early 2015, when the partnerships and agreements made between African telcos to provide interoperability between their mobile money services first began to hit the headlines. In my last post back in August 2016, I asked if Cross Border Mobile Money […]

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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, Flexibility, Income, India, Informal & Flexible, Kenya, Literature review, Loans, Mobile platform, Research, Savings, South Asia, Sub Saharan Africa, Technology | Tagged , , , , , , , , | Leave a comment