Tag Archives: kenya

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

Kenya’s informal economy clambering on to the information highway through their smartphones

Sometimes cliches are the only way to communicate the sheer breadth and depth of the transformation now undergoing in the informal sectors, such as trade and light manufacturing, thanks to affordable smartphones and data bundles. I began calling it digital and not online yesterday when we discovered many people didn’t recognize the word “online” in […]

Posted in Africa, Airtime, Biashara Economics, Commerce en ligne (e-commerce), Consumer Behaviour, Emerging Futures, Informal & Flexible, Innovation Planning, jua kali, Kenya, Mama Biashara, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, Sub Saharan Africa, Technology, User research | Also tagged | Leave a comment

Tips on managing African fake news articles and websites

Today, I was faced with the challenge of having to choose between two conflicting quotes attributed to the same spokesperson, during the same press conference. Attempting to uncover an authoritative source for the content in order to discern which of the two was authentic led me down a rabbit hole of fake news sites allegedly […]

Posted in Africa, Analysis, Assumption filter, Kenya, Perspective | Also tagged , , , | Leave a comment

The Quiet Digital Revolution: Indigenous Innovation in Intelligent Information Systems

Big data, machine learning, and artificial intelligence are the buzzwords of the day, along with the obligatory blockchain and bitcoin. Much is being written on their potential to solve Africa’s problems, or India’s challenges. In turn, each has been promoted as the next big thing to address poverty and its discontents. Yet, we note, that […]

Posted in Assumption filter, Cattle, Design, Ecosystem, India, Innovation Planning, Kenya, Livestock, Perspective, Research, rural, Rural Economy, Strategy, Sub Saharan Africa, Systems, Technology, User research | Also tagged , , , , , , , , , | Leave a comment

Financial Patterns at the Last Mile of the Farm to Fork Value Chain

This value web illustrates the last mile of the farm to fork agricultural value chain in the state of Maharashtra, India. We’d mapped it during our project/s for the Dutch government back in mid 2013, where we’d introduced human centered design thinking for sustainable agricultural value chain development. Subsequently, I led a multidisciplinary team conducting […]

Posted in African Consumer Market, Analysis, Biashara Economics, Business Models, Consumer Behaviour, Ecosystem, Emerging Markets, Frameworks, India, Perspective, Prepaid Economy & Informal Sector, Research, Rural Economy, South Asia, Strategy, Sub Saharan Africa, Systems, User research | Also tagged , , , , , , | Leave a comment

Implications of Mobile Money Interoperability in Kenya?

Mobile money pioneer Kenya, has finally gone live this month with account to account interoperability between mobile money services. Neighbouring Tanzania pioneered interoperability between the mobile money services offered by local telcos with a soft launch back in 2014. Fears of cannibalization and zero sum scenarios were unfounded, as documented in an early evaluation report […]

Posted in Africa, African Consumer Market, Airtime, Alternative currency, Biashara Economics, Cashless transactions, East African Community, Kenya, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Strategy, Tanzania, Technology | Also tagged , , , | Leave a comment

Why is the Kenyan mobile loan industry facing just a digital version of India’s MFI problems?

When you make fast, easy, short term loans available on the phone to anyone with a need for quick money, why is it a surprise when high levels of consumer debt are the result? A recent survey by financial inclusion giants like FSD and CGAP discovers that low income Kenyans have not been helped by […]

Posted in Africa, African Consumer Market, Banking, Base of the Pyramid, Business Models, Kenya, Loans, Mobile platform, Prepaid Economy & Informal Sector, Strategy, Technology | Also tagged , , , | 1 Response

Why the African Consumer Market is NOT the same as the African Middle Class

The biggest challenge faced by consumer facing companies looking at the African Consumer Market is the age old positioning of the “middle class” as the ideal target audience. This middle class is segmented by the same attributes as the original middle classes who formed the consumer markets of the developed world. This is the outside […]

Posted in Africa, African Consumer Market, Assumption filter, Biashara Economics, Business Models, Cattle, Consumer Behaviour, Economy, Emerging Markets, Indigenous & Traditional, Informal & Flexible, Kenya, Livestock, Marchés africains, Marketing, Perspective, Prepaid Economy & Informal Sector, Retail in Africa, Rural Economy, Strategy, Sub Saharan Africa | Also tagged , , , | Leave a comment

Household energy consumption behaviour in East Africa: Lighting & Conclusion (3 of 3 Parts)

  The following is extracted from a six month study during 2012 on household energy consumption behaviour in rural Kenya and Rwanda among the lower income demographic, that led to an understanding of some of barriers hampering the sales of client’s solar products in this market. This 3rd and final part will focus on fuel […]

Posted in Africa, African Consumer Market, Analysis, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, Design, Economy, Ecosystem, Frugality, Indigenous & Traditional, Informal & Flexible, jua kali, Kenya, Marchés africains, Marketing, Prepaid Economy & Informal Sector, Research, Retail in Africa, Rural Economy, Scarcity, Strategy, Sub Saharan Africa, Technology, User research | Also tagged , , , , , , , , , | 1 Response

Introduction to rural household energy consumption behaviour in East Africa (1 of 3 parts)

The following is extracted from a six month study during 2012 on household energy consumption behaviour in rural Kenya and Rwanda among the lower income demographic, that led to an understanding of some of barriers hampering the sales of client’s solar products in this market. This first part is an overview of household financial management […]

Posted in Africa, African Consumer Market, Analysis, Biashara Economics, Business Models, Consumer Behaviour, Culture, Design, East African Community, Frugality, Informal & Flexible, Innovation Planning, jua kali, Kenya, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Projects and Reports, Research, Retail in Africa, rural, Rural Economy, Scarcity, Strategy, Sub Saharan Africa, Systems, Technology, UCSD, User research | Also tagged , , , , , , , , , , , | 1 Response