Tag Archives: informal economy

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

Why the Potential of the African Consumer Market Cannot be Considered in Isolation from the Informal Economy

Top flight management consulting firms like McKinsey, BCG, Deloitte, PwC et al have been taking a good long look at the emergent African Consumer Market for a number of years now. McKinsey, in fact, has just released a book on the theme, authored by their leading Africa experts. All of them acknowledge the existence of […]

Posted in Africa, African Consumer Market, Analysis, Assumption filter, Biashara Economics, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Distribution, Ecosystem, Emerging Markets, Innovation Planning, Marchés africains, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Report Review, Retail in Africa, Strategy, Sub Saharan Africa | Also tagged , , , , | Leave a comment

All Hail the Business Model Behind the Global Gig Economy

The first world’s ardent embrace of the gig economy is already over. Buyer’s remorse is setting in, even though it may have helped global unemployment hit its lowest point in forty years. What will remain, however, is its impact on the usually overlooked Rest of the World, where the ability of an app to drive […]

Posted in Biashara Economics, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consumer Behaviour, Culture, Emerging Markets, Flexibility, Frameworks, Income, Informal & Flexible, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Systems, Technology | Also tagged , , , , , , , | Leave a comment

Africa’s Delivery On Demand Apps are Transforming the Informal Economy

When women in rural Rwanda can buy sanitary napkins and contraceptives, on demand, simply by pushing a few buttons on their phones, you know the digital informal economy is here to stay. And, its not just imported apps and social enterprises pushing this digital commercial activity. The “uberization” of the African informal economy is well […]

Posted in Africa, African Consumer Market, Biashara Economics, Business Models, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Distribution, Ecosystem, Emerging Futures, Flexibility, Frameworks, Informal & Flexible, Innovation Planning, Mama Biashara, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Retail in Africa, Strategy, Sub Saharan Africa, Technology, Value | Also tagged , , , , | Leave a comment