Category Archives: South Africa

IMD Case Study – how Mpesa’s adoption transformed Safaricom

By | April 26, 2021

There is a case study on Safaricom that supports my viewpoint – that first one must consider the operating environment pragmatically prior to design and delivery of services for low income markets for a successful outcome that then drives the transformation of both the customer base and the corporation, giving rise to new ecosystems and… Read More »

The Perfect Storm: A Continent, A Phone, A Business Model

By | July 20, 2019

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… Read More »

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

By | March 6, 2018

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… Read More »

Samsung took its commitment to the African market very seriously

By | June 30, 2017

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… Read More »

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

By | September 29, 2016

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… Read More »

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

By | September 15, 2016

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… Read More »

Dignity drives purchasing decisions for South African low income consumers

By | September 13, 2016

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… Read More »

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

By | September 12, 2016

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… Read More »

Future scenarios for sub Saharan Africa’s opportunity and market

By | January 14, 2016

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… Read More »

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

By | January 11, 2016

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… Read More »