Category Archives: South Africa

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 […]

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Samsung took its commitment to the African market very seriously

This article in the Financial Times caught my attention first for it’s mention of Samsung’s seemingly innovative adaptation to the harsh operating environment prevalent across the African continent. It reminded me of the very first exploratory user research programme I had been part of, for Samsung, back in early 2008. That was a seminal trip […]

Also posted in Africa, African Consumer Market, Assumption filter, Base of the Pyramid, Consumer Behaviour, Design, Emerging Markets, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Research, rural, Sub Saharan Africa, Technology, User research, Value | Tagged , , , , , | Leave a comment

Mobile Money in South Africa: The nature of the beast by Flo Mosoane

The 2015 State Of The Industry Report (SOTIR) for Mobile Money published by GSMA, reveals a picture of a service that continues to change the landscape of financial inclusion in developing and poor countries across the globe. In December of 2015, the industry processed transactions in excess of a billion, most of which were in […]

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5 examples of the breadth of African led human-centered design and thinking and planning

The other day I was searching for news on design from the African continent and noted on Twitter that it seemed as though only the South Africans were consistently talking about their various creative outputs. Having long been part of the crowd that believed in the indigenous creativity and innovation in the less visible parts […]

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Dignity drives purchasing decisions for South African low income consumers

There is so much I was going to say when I came across this snippet in the news about South African consumer habits among the lower income folk for yesterday’s post. I am not convinced by the framing of the interpretation of the qualitative data but that’s an embedded SA problem with qualitative research in […]

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Africa’s Middle Class: Development economics and marketing demographics conflating the holy grail

The most developed nation on the African continent, south of the Sahara desert, is considered to be South Africa with its financial and transportation infrastructure and systems, a legacy from history. In the first decade of the 21st century, the black middle class – known as Black Diamonds in marketer jargon – came into prominence […]

Also posted in Africa, African Consumer Market, Analysis, Assumption filter, Consumer Behaviour, Economy, Emerging Markets, global, Income, Marketing, Perspective, Produits de grande consommation (FMCG), Research, South Asia, Strategy, Sub Saharan Africa | Tagged , , , , , , , , , , | Leave a comment

Future scenarios for sub Saharan Africa’s opportunity and market

When you look at selected sub Saharan African markets from the perspective of being a micro-SME up here in Finland, you discover just attractive they can be. This is Team Finland’s futures based report on four most promising (defined by size, growth and ease of doing business) countries: Kenya, Nigeria, South Africa and Tanzania. Using […]

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When would you buy life insurance for a week? New products for the informal market

A South African company has figured out the back-end technology required to provide easily accessible prepaid or pay-as-you-go insurance products that can be serviced via your smartphone. Their solutions are designed for the unbanked, informal trader, typically living on an average household income of US$8 a day. At first glance, I wondered who on earth […]

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Africa’s world trade: Informal economies and globalization from below by Margaret C. Lee

The entire text of Professor Margeret C. Lee’s work is made available under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International (CC BY-NC-ND 4.0) Licence. Clicking on the cover will take you directly to the PDF. Chapter 3 takes the reader through a journey to different countries of Africa, including Uganda, Tanzania, Ghana, Zambia, South Africa, Namibia, […]

Also posted in Africa, African Consumer Market, Book Reviews, Business, China, Consumer Behaviour, Economy, Ecosystem, Emerging Markets, Ghana, global, Indigenous & Traditional, Informal & Flexible, Literature review, Marketing, Prepaid Economy & Informal Sector, Research, Retail in Africa, Sub Saharan Africa, User research | Tagged , , | Leave a comment

Uncertainty and The Prepaid Economy: Time and Money

Uncertainty characterizes the entire global Prepaid Economy and is the underlying driver for decision making. Systems are unreliable Inadequate infrastructure, variability in basic services (will we have electricity this morning?), obsolete or incomplete systems; all of these, and more, are part and parcel of life in the emerging regions of the world. Will we wake […]

Also posted in Airtime, Alternative currency, Banking, Business Models, Cashless transactions, Consumer Behaviour, Culture, Economy, Ecosystem, Emerging Markets, Flexibility, Frameworks, global, Income, Mobile platform, Perspective, Prepaid Economy & Informal Sector, User research | Tagged , , , , , | Leave a comment