The importance of the agent/customer relationship for successful financial inclusion
The role of agent networks in East Africa’s mobile money and mobile banking roll-outs is widely documented; as an intermediary, a kiosk exchange point – accepting deposits for e-money/ withdrawals for cash and usajili (registration). “. . .as the first point of contact, human agents help bridge the gap between a high-tech service and low-literacy […]
Quality of service at the last mile will make or break African e-commerce startups
With new e-commerce startups sprouting up everyday, competitive advantage in the urban African context will boil down to their quality of delivery and logistics managment. Given the lack of infrastructure such as home addresses, post codes with embedded information, or as is the case in India – the last mile of delivery in the form […]
Innovations in transport business models across Europe
Spotted outside the Zuid Park Business Center in Amsterdam, this is a taxi stand cum charging station for electric vehicles. And its not the only one, as I saw the same taxis waiting at Schiphol airport. They were asking half the price of a regular taxi for the trip to the center of town. In […]
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 […]
21st century Kenyan
Raising some concerns about urban user research insights being applied to design for rural markets
The Rural Market Insight Group at the Centre for Development Finance (CDF) conducted a six-week product test with a Base-of-the-Pyramid (BoP) household in Chennai, Tamil Nadu. The purpose was to explore whether urban user testing of rural-targeted BoP products yields relevant user insights in early design stages. Surprising results warrant further research of this potentially […]
Savings Circles
Bishi schemes are a kind of Rotating Savings and Credit Association (ROSCA): informal and voluntary local savings clubs which has a long history in India and elsewhere in the developing world.
