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 – […]

2017 is the Year Mobile Service Operators Became Banks

South African business headlines read MTN takes on Vodacom for title of Africa’s biggest digital bank and usher in a whole new era for banking and finance on the mobile platform. Having watched this space impatiently for more than a decade, seeing this was a landmark worth noting. The number of mobile-money customers in the […]

The end of an era: Where next for the big smartphone brands of today?

Africa’s marathon to catch up with the rest of the world in terms of connectivity and access is now a sprint to the finish line. Ericsson’s latest report shows penetration rates on the continent have overtaken India. The market we began our careers in has now, not only matured, but is expected to cross 100% […]

Tsunami of change – design, brands, marketing and the mobile phone

In the 10 short months since I wrote on the market forces influencing the global mobile phone market, and the implications of the democratization of innovation whose early, weak signals I could already foresee, matters have come to a head. I had written: The locus of innovation in handset design, product planning and market strategy […]

Introducing The Global Prepaid Economy

This week, that venerable newspaper The Financial Times, published an original piece of writing on the World Economic Forum’s Agenda blog. Its not a reprint from their own publication. It proposes the end of “Emerging Markets” (EM) as we know them: Now, commentators say, it is the world’s mental map that is in dire need […]

How I Use My Phone – Extracting consumer insights from purchasing patterns

The Mobile Experience Center of the Co-Creation Hub in Lagos, Nigeria conducted a survey series – How I Use My Phone – where they looked at phone use among university students, white collar professionals, blue collar workers and market traders*.  I’ve screen-capped the section on airtime purchase patterns from each infographic to analyze a little […]

Impact of mainstreaming and commodification of cyber cafe services

Around 2007, the urban cyber cafe industry began to display signs of maturing as the market saturated and the services specific to internet access underwent a process of commodification.  As it came to be perceived as no different a business than setting up a corner kiosk or hot dog stand, there was a shift in […]