Tag Archives: agency

The importance of user agency for good design in the humanitarian and development context

This is a topic that has come up so often on Twitter that I thought to write it out once and for all. A link would be ever so much easier to argue with than to make the case for recognizing the agency of the end user – whether an intended customer or beneficiary – […]

Posted in Biashara Economics, Design, Frameworks, Innovation Planning, Perspective, Process, Strategy, UCSD, User research | Also tagged , , , , , , | Leave a comment

Mpesa takes on Banks with Mobile wallet linked Prepaid Card

On June 10th, Kenya’s leading mobile payments platform, Mpesa, announced it was piloting a Lipa na Mpesa prepaid card linked to mobile wallets. The card is an interesting product in a Kenya’s payment market turf wars. Banks versus a dominant Telcos, Safaricom. According to Techweez, “The card, mirrors a user’s M-Pesa account, meaning whatever amounts […]

Posted in Banking, Kenya, Mobile platform, Sub Saharan Africa, Technology | Also tagged , , , | Leave a comment

The importance of the agent/customer relationship for successful financial inclusion

The role of agent networks in East Africa’s mobile money and mobile banking roll-outs is widely documented; as an intermediary, a kiosk exchange point – accepting deposits for e-money/ withdrawals for cash and usajili (registration). “. . .as the first point of contact, human agents help bridge the gap between a high-tech service and low-literacy […]

Posted in Assumption filter, Base of the Pyramid, Cashless transactions, Ecosystem, Informal & Flexible, Kenya, Mama Biashara, Mobile platform, Perspective, Prepaid Economy & Informal Sector, rural, Savings, Sub Saharan Africa, Technology, urban | Also tagged , , , , , , , | Leave a comment

Projected Impact of recognizing and integrating end-user’s agency on innovation adoption rates

Rajasthan, India January 2009 Our problem statement for the recently completed, two phase project on sustainable agricultural value chains, was framed as follows: What are the barriers to adoption of sustainable agricultural practices that limit their spread and scaling? What are reasons and/or causes of the existence of these barriers?  The complexity and wicked nature […]

Posted in Africa, Base of the Pyramid, Culture, Design, Ecosystem, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Perspective, Process, rural, Strategy, Systems, UCSD, User research | Also tagged , | Leave a comment