Tag Archives: mobile

Prepaid Mobile: The Business Model that Empowers

It feels like a long time since I last pondered the nuances of the prepaid business model, until I came across some words written by Indian social media researcher Swati Janu. She documented her observations on the infrastructure of insecurity from the tenements of New Delhi.  There’s value in reflecting on how our understanding only […]

Posted in Airtime, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, Economy, Emerging Markets, Flexibility, Income, India, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Research, User research, Value | Also tagged , , , , , , , , | Leave a comment

Analysis of the mobile phone’s impact on cash flows and transactions in the informal sector

As we saw, Mrs Chimphamba needs to juggle time and money as part of her household financial management in order to ensure that expenses can be met by income. We also saw that the mobile phone was made viable and feasible by the availability of the prepaid business model that gave her full control over […]

Posted in About, Airtime, Analysis, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Collection, Consumer Behaviour, Economy, Expenses, Flexibility, Frameworks, global, Income, Indigenous & Traditional, Informal & Flexible, Mobile platform, Prepaid Economy & Informal Sector, Research, Rural Economy, Savings, Scarcity, Value | Also tagged , , , , , , | Leave a comment

Design of Digital Financial Services for Inclusion Needs More Respect and Humility to Succeed

In the past week alone, I’ve seen three glaring cases of unquestioned assumptions around the design and implementation of Digital Financial Service (DFS) particularly for financial inclusion, but also otherwise. This gives rise to the question whether the industry is prepared to undertake the mission they have set for themselves. The first is that their […]

Posted in Africa, Airtime, Alternative currency, Assumption filter, Banking, Cashless transactions, Consumer Behaviour, Design, Emerging Markets, Kenya, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Technology, User research | Also tagged , , , , , , , , | Leave a comment

The imagery of contemporary tech startups from the African continent

No matter what Google’s search results may show, this is NOT the image of mobile innovation, technology startups, and the African continent’s ICT infrastructure. This is a photograph staged by Oxfam to show a Maasai moran – a young man from one of the pastoralist communities living in the arid lands of Eastern Africa. This […]

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Untapped opportunities in Francophone Africa for design of apps and smartphone solutions

Bacely Yorubi frames the opportunity space for local app design and development in The Toronto Star: “Lots of young Africans who’ve studied elsewhere and returned home have expectations of mobile services that don’t yet exist,” said Bacely Yorobi, an app developer from Ivory Coast. “So they’re the ones coding and putting new African-made apps out […]

Posted in Africa, Afrique francophone, Analysis, Assumption filter, Banking, Business Models, CEMAC, Commerce en ligne (e-commerce), Compétitivité, Consommateurs, Design, Ecosystem, Emerging Markets, Innovation Planning, Marchés africains, Mobile platform, Perspective, Platforms, Senegal, Strategy, Technologie, UEMOA | Also tagged , , , | Leave a comment

Cross-border mobile financial services in Africa are going to be huge

Analysis Mason has an excellent article on the next big thing in mobile money across the African continent – cross border payments. I covered the emergence of these services, through regional operators as well as partnerships based on interoperability earlier. This is what I asked for: Mapping it all I’d love it if someone could […]

Posted in African Consumer Market, Afrique francophone, Airtime, Alternative currency, Business Models, Cashless transactions, Commerce en ligne (e-commerce), Consommateurs, Consumer Behaviour, Economy, Flexibility, Marchés africains, Marketing, Migrant worker, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Retail in Africa, Strategy, Sub Saharan Africa, Systems, Technologie, Technology, UEMOA | Also tagged , , , , , , , , | Leave a comment

Why I’m cautious about most mobile platform consumer research in Africa

StanChart’s price tracker rolled out in Nigeria is a great example of where and how mobile phones can really add value in understanding the African consumer market and add substantially to its scarce database. What concerns me however is the increasing promotion of the ubiquitous cellphone as the means to gather consumer insights for all […]

Posted in African Consumer Market, Analysis, Assumption filter, Consommateurs, Consumer Behaviour, Design, Emerging Markets, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Produits de grande consommation (FMCG), Research, Retail in Africa, Risk, Sub Saharan Africa, Systems, Technology | Also tagged , , , , , , , , | Leave a comment

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 […]

Posted in Business Models, Consumer Behaviour, Economy, Emerging Markets, Flexibility, Frugality, global, Informal & Flexible, Innovation Planning, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Research, Strategy, User research | Also tagged , , , , , , , | Leave a comment

While you were outsourced: Last 10 years of mobile design, business and emerging markets

There’s a lot to be said here and I’ve been trying to sort it all out into some kind of logical flow. The global landscape of mobile phones is undergoing a huge shift, and like the iceberg that sank the Titanic, much of it is still under the radar. If I hadn’t gone down the […]

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In rural Africa, livestock and produce markets exemplify local, social, mobile ecosystem

Mama Mercy taking a call during our visit to her farm. Her new cow is brown & white. April 2013 Kenya If we can find and support the key enablers of the shamba’s day to day needs, I believe we could assist with increasing the pace of market reach and spread (new market creation). I […]

Posted in Africa, Analysis, Assumption filter, Base of the Pyramid, Cashless transactions, Consumer Behaviour, Design, Ecosystem, Informal & Flexible, Livestock, Mobile platform, Prepaid Economy & Informal Sector, Research, rural, Rural Economy, Sub Saharan Africa, User research | Also tagged , , , , , , , | Leave a comment