Tag Archives: pay as you go

The business model of drinking water in urban Ghana

In Accra, Ghana, packaging potable water into single serve sachets for the mass market (the prepaid economy) is a business model that has evolved extremely rapidly in response to customer demand and purchasing power. Bottled mineral water for the elite trickled down in quantity and form until the man on the street can buy a […]

Posted in African Consumer Market, Business Models, Consumer Behaviour, Design, Distribution, Ghana, Informal & Flexible, Marketing, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Strategy, Technology, urban | Also tagged , , , , | Leave a comment

Exploratory User Research in the Rural Economy

When I first began developing the attributes by which to select representative user profiles for the original fieldwork to begin understanding the “prepaid economy”, that is, household financial management in rural India, The Philippines and Malawi, it was based on people’s ability to plan and budget. One can plan best when one is certain of […]

Posted in Base of the Pyramid, Business Models, Design, Economy, Expenses, Flexibility, Frameworks, global, Income, India, Informal & Flexible, Kenya, Philipines, Research, rural, User research | Also tagged , , , , , , , , , | Leave a comment

Why prepaid business models work so well for the rural and informal economy

We broke down the basic concept of the ‘pay as you go’ or prepaid mobile plan – in general, discounting the details of the various different strategies and pricing/time plans of different countries as a way to begin understanding what is it about this model that makes it work at the BoP. Could we somehow […]

Posted in Analysis, Business Models, Consumer Behaviour, Expenses, Flexibility, Frameworks, Informal & Flexible, Innovation Planning, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Projects and Reports, Research, Rural Economy, User research | Also tagged , , , , , , , , | Leave a comment

The Informal Economy Symposium, Barcelona on October 12th 2012

Our aim with this symposium is to explore the global scope, innovations and potential futures of the informal economy. Opening Keynote will be John Keith Hart, who coined the term “informal economy” and the day long symposium on the 12th of October will be closed by John Thackara.  There will be three panel discussions, as […]

Posted in Africa, Airtime, Alternative currency, Assumption filter, Banking, Base of the Pyramid, Business Models, Cashless transactions, Culture, Economy, global, Indigenous & Traditional, Informal & Flexible, Mobile platform, Research, Strategy, User research, Value | Also tagged , , , , , , , , , , , , , , | Leave a comment

“Kadogo” kerosene vs “Lumpsum” LPG: Trade-offs and cost/benefit analysis

Following a fascinating conversation with @bankelele and @majiwater on Twitter regarding the cost of kerosene, pay as you go models and relative benefits of each, I’ve been inspired to write this post exploring the topic further. Before I proceed, I’d like to take a moment to clarify what the “Prepaid” in the title of this […]

Posted in Africa, Assumption filter, Base of the Pyramid, Business Models, Consumer Behaviour, Expenses, Informal & Flexible, Kenya, Research, Strategy, User research, Value | Also tagged , , , , , , | Leave a comment

Informal payment plans offer flexibility and convenience

Rural electronics shops in the North Meru region of Kenya are full of colour television sets, home stereos and DVD players as increasing electrification of smaller and smaller market towns takes place. How do aspiring customers pay for these high value items on their variable income streams? Since shop owners tend to know the great […]

Posted in Africa, Base of the Pyramid, Business Models, Economy, Income, Informal & Flexible, Research, rural, Strategy, Sub Saharan Africa, User research, Value | Also tagged , , , , , | 2 Responses

Some concerns about ‘pay as you go’ lighting solutions in rural markets

Having just got back yesterday after immersion in an arid part of rural Kenya, it struck me after coming across yet another solar lighting solution with a pay as you go or prepaid business model that this may become a barrier for many subsistence farmers, most of whom are off the grid and so, are […]

Posted in Africa, Airtime, Alternative currency, Assumption filter, Base of the Pyramid, Business Models, Cashless transactions, Consumer Behaviour, India, Informal & Flexible, Kenya, Mobile platform, Research, rural, Sub Saharan Africa, User research, Value | Also tagged , , , , , | Leave a comment