Tag Archives: urban

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 […]

Posted in Assumption filter, Base of the Pyramid, Cashless transactions, Ecosystem, Informal & Flexible, Kenya, Mama Biashara, Mobile platform, Perspective, Prepaid Economy & Informal Sector, rural, Savings, Sub Saharan Africa, Technology, urban | Also tagged , , , , , , , | Leave a comment

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 […]

Posted in African Consumer Market, Business, Business Models, Ecosystem, Emerging Markets, Marketing, Mobile platform, Nigeria, Perspective, Strategy, urban | Also tagged , , , , , | 1 Response

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 […]

Posted in Business Models, Culture, Design, Ecosystem, Innovation Planning, Perspective, Photography, Systems, urban, User research | Also tagged , , , | Leave a comment

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 […]

Posted in Analysis, Business, Cyber cafe series, Ecosystem, Emerging Markets, Kenya, Platforms, Projects and Reports, Technology, urban, User research | Also tagged , , , , , , , , , , | Leave a comment

21st century Kenyan

Posted in Cyber cafe series, Emerging Markets, Innovation Planning, Kenya, Mobile platform, Projects and Reports, Technology, urban, User research | Also tagged , , , , , | Leave a comment

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 […]

Posted in Analysis, Base of the Pyramid, Design, Ecosystem, Emerging Markets, Frugality, Innovation Planning, Marketing, Prepaid Economy & Informal Sector, Process, Research, rural, Strategy, Technology, UCSD, urban | Also tagged , , , , , , , , , | Leave a comment

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.

Posted in India, Informal & Flexible, Research, Savings, urban | Also tagged , , , | Leave a comment