Tag Archives: informal economy

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 […]

Posted in Africa, African Consumer Market, Airtime, Banking, Base of the Pyramid, Biashara Economics, Business, Business Models, Design, Ecosystem, Innovation Planning, Perspective, Prepaid Economy & Informal Sector, Rural Economy, Strategy, Systems, Technology, User research | Also 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 […]

Posted in Africa, African Consumer Market, Analysis, Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consumer Behaviour, Design, Economy, Ecosystem, Frameworks, Innovation Planning, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, Sub Saharan Africa, Systems, Technology | Also tagged , , , , , , | Leave a comment

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 […]

Posted in Africa, Education, Literature review, Perspective, Prepaid Economy & Informal Sector, Research | Also tagged , , | Leave a comment

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 – […]

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, Prepaid Economy & Informal Sector, Research, Savings, South Asia, Sub Saharan Africa, Technology | Also tagged , , , , , , , | Leave a comment

The results, two years on, from Kenya’s Movable Property Security Rights Act 2017

Movable property such as household goods, livestock and office equipment has helped add 183,487 loan accounts into the banking sector, a Kenya Bankers Association (KBA) report shows. […] “The loans that flow out of the banking system on the basis of assets in the register has been growing. This shows that the alternative collateral has […]

Posted in Africa, African Consumer Market, Alternative currency, Banking, Biashara Economics, Business Models, Cattle, Consumer Behaviour, Economy, Flexibility, Livestock, Loans, Perspective, Prepaid Economy & Informal Sector, Rural Economy | Also tagged , , , , , , | Leave a comment

Building the Bridge: Design methods for success in the informal economy

The above is a screen cap of my research plan submitted at the end of March 2019 as part of the doctoral admissions process. Everyone understands its only a working title for a yet to be defined problem statement, which is the purpose of doctoral studies as I see it from the user’s perspective. Both […]

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Mobile Phones and the Informal Economy

Over the past week or so, I’ve been scanning literature from African researchers on the broad theme of mobile phones and the informal economy. Here are some of my top findings: The Mobile Phone is a Business Tool and Income Generator – Regardless of the region (and cultural context) of study –  Cameroon or Cote […]

Posted in Africa, Airtime, Banking, Cashless transactions, Consumer Behaviour, Ecosystem, Flexibility, Income, Literature review, Mobile platform, perfect storm, Perspective, Prepaid Economy & Informal Sector, Sub Saharan Africa, Technology | Also tagged , , , , , | Leave a comment

Emergence of a decentralized digital economy? Snippets from Nigeria and Kenya

Continuing the conversation from the recent posts on app enabled demand redistribution as well as digital platforms being used by informal sector economic actors to boost their own productivity and efficiency, I thought to share snippets from these two recent articles I just came across, as cases in point. From Nigeria, West Africa: How WhatsApp […]

Posted in African Consumer Market, Business, Business Models, Emerging Futures, Kenya, Marketing, Mobile platform, Nigeria, Perspective, Platforms, Prepaid Economy & Informal Sector, Sub Saharan Africa, Systems, Technology | Also tagged , , , , , , | Leave a comment

Lessons from African Fintech for the Gig Economy

Earlier this week, I had the opportunity to share my research on the past decade of mobile ecosystem development across the African continent with Dr. Antti Saarnio, founder of Zippie; co-founder of Jolla (developers of the Sailfish OS, among other things). “We want to test our product first and foremost in Africa because there is […]

Posted in Africa, Airtime, Alternative currency, Analysis, Assumption filter, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consumer Behaviour, Economy, Ecosystem, Emerging Futures, Emerging Markets, Flexibility, Frameworks, Income, Informal & Flexible, Kenya, Loans, Mobile platform, Perspective, Philipines, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, Sub Saharan Africa, Systems, Technology | Also tagged , , , , , , , , , , , | 1 Response