Category Archives: Risk

Are you letting data from the past drive your future strategy?

By | August 29, 2022

Yesterday, I was deep inside Google looking for datapoints to connect that would add up to give me a sense of what was going on in these turbulent times, and I came across this insightful article on strategy. It was clear the author felt as obsolete as I did about the way strategic planning for… Read More »

Sensemaking in extreme conditions for enhancing resilience: Literature Review

By | April 27, 2021

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… Read More »

Looking back at 2020 from Mama Mboga’s eyes: The Pandemic as Natural Disaster

By | December 4, 2020

I am moved today by my work to look back at this agonizingly long year of separations and losses and delays for peoples around the world. Uncertainty and complexity have both increased, and economic volatility has become the order of the day, regardless of the development status of the region or location. More people in… Read More »

Chinese investments in African tech will transform the fintech landscape

By | October 20, 2018

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… Read More »

One (last) word: Plastics

By | July 10, 2018

A UN report issued on World Environment day  showed dozens of nations acting to cut plastic, including a ban on plastic bags in Kenya, on styrofoam in Sri Lanka and the use of biodegradable bags in China. via There’s a backlash against plastics that is ongoing in many not so noticed parts of the world… Read More »

How do we make a business case for an innovative concept given the data scarcity for the African mass market?

By | March 12, 2018

Anzetse Were writes some thoughtful points on the challenges facing private sector innovation in Kenya, and Africa. Two of her points caught my attention, in particular: With regards to the private sector, an interesting point raised is that innovation targeting it must have a business case for adoption otherwise the innovation won’t be absorbed. Innovation… Read More »

Is Your Product Ready for Africa? Why Kigali’s “Smart” Project Faces an Unforeseen Challenge

By | October 18, 2017

However, KTRN boss agreed that they share responsibility since they never conducted a profound market research to determine whether the gadgets are compatible with African weather. “We sincerely didn’t realize that the weather would affect the gadgets”~ Public Buses Wi-fi: Harsh Weather, Incompatible Gadgets Interrupt Kigali’s ‘Smart’ Project, KT Press, 16th October 2017 This isn’t… Read More »

Fundamental Elements of Informal Sector Commercial Activity

By | July 28, 2017

There are two key elements which underpin the dynamics of any business or commercial enterprise in the informal sector. These are Time and Money. A generalized framework can be diagrammed, as shown above, where the dotted line denotes the degree of uncertainty and volatility of an individual’s cash flow patterns – whether from a variety… Read More »

Financial Behaviour Patterns Observed Among Households in Rural Informal Economy in Asia

By | July 24, 2017

This is the original working paper of the research conducted on rural household financial management, in developing country conditions, pioneering the use of methods from human centered design for discovery, during Nov 2008 to March 2009, aka the Prepaid Economy Project. It was peer reviewed by Brett Hudson Matthews, and I have incorporated his comments into… Read More »

How the African movable assets bill can unleash innovation opportunities for the rural economy

By | May 13, 2017

As Kenya joins Zambia and Zimbabwe in ratifying a Movable Property Security Rights Act, there’s a sense that the floodgates to innovation in access to finance might be taking place in rural Africa, south of the Sahara and north of South Africa. Kenya’s law also goes beyond the cows and goats and allows a borrower… Read More »