24 August 2009

Africa’s mobile banking revolution

Be the first to share

Millions of Africans are using mobile phones to pay bills, move cash and buy basic everyday items. So why, asks the BBC, has a form of banking that has proved a dead duck in the West been such a hit across the continent?

“However, the mobile phone revolution continues to leave large parts of the continent behind.

While countries like Kenya, South Africa and much of North Africa are approaching 100% mobile penetration, in Burundi, the Central African Republic, Eritrea, and Rwanda it is less than 30%.

Low incomes, illiteracy and large signal black spots are all obstacles to the sale and use of mobile phones. Taxes, which can be as high as 30% in countries like Tanzania and Uganda, are also a disincentive.

Telecoms experts say that many African markets remain too risky for mobile phone companies, which have targeted more stable and wealthy countries first. “

Read full story

Be the first to share
22 October 2016
[Book] Org Design for Design Orgs
Org Design for Design Orgs: Building and Managing In-House Design Teams By Peter Merholz and Kristin Skinner Publisher: O'Reilly Media August 2016, 198 pages Design has become the key link between users and today’s complex and rapidly evolving digital …
18 October 2016
Behavioral economics, UX design and insurance
The key to unlocking the insurance industry, writes Richie Hecker in TechCrunch, is understanding behavioral economics. The most successful players in insurance tech, he says, will win by rounding the edges on existing products. "Don’t …
24 August 2016
New Human Centred Design toolkit launched for African context
Future by Design, a Human Centred Design (HCD) and customer-centricity consultancy focused on the African continent, has produced an HCD Toolkit (download link) that’s especially appropriate for an African context, and intended for application where …
8 May 2016
Two reports on age-friendly banking
Age-friendly banking: What it is and how you do it Age UK 30 April 2016 The new report showcases examples of good practice which, if rolled out more widely, could revolutionise the way in which the banks interact …
1 April 2016
Financial Times: the inflation enigma requires ethnographic analysis
Gillian Tett is the Financial Times' US Managing Editor, a very frequent writer, and an anthropologist. Her column this week unconventionally argues for on-the-ground ethnographic research on people's expectations on inflation: What we need is not …
1 April 2016
Should financial advisors nudge their clients?
Should advisors nudge clients to make prudent saving and spending decisions, asks Morey Stettner in Investor's Business Daily. Or should they step aside after educating clients and laying out the options? Some economists argue that nudging …
8 March 2016
Behavioral modeling – Shaping cultural change and behavioral evolution
One of the things we do here at Experientia that really sets us apart from other UX agencies is behavioral modeling. Our cognitive and behavioral models go beyond the standard customer journeys and personas (both …
5 March 2016
How the World Bank is ‘nudging’ attitudes to health and hygiene
Many of the problems governments and NGOs in developing countries are trying to fix are at least partly behavioural. This is where nudge theory comes in. It is about using insights from behavioural science to identify …

We are an international experience design consultancy helping companies and organisations to innovate their products, services and processes by putting people and their experiences first.

28 October 2016
Experientia’s President, Michele Visciòla, as panel judge for MacArthur Foundation competition “100&Change”

The 100&Change is an international competition and a landmark opportunity for thinkers and designers to tackle critical challenges affecting the world. Michele Visciòla will be one of the panel of expert judges who will select which project is worthy of the $100 million grant. 100&Change is the MacArthur Foundation competition – launched this year for […]

5 September 2016
Great engine, but the fuel seems poor. Discussing insight development in corporate marketing

The September issue of the Harvard Business Review (HBR) contains a lengthy essay, entitled Building an Insights Engine, on how Unilever has created the organizational capabilities to “transform data into insights about consumers’ motivations and to turn those insights into strategy.” The article was written by Frank van den Driest and Keith Weed of a […]

29 August 2016
Experientia discussing ethnography and patient-centricity at EPIC 2016

This week Experientia joins our colleagues and peers in Minneapolis at EPIC 2016, the premier international gathering on ethnography and design in industry. The theme for the conference this year is Pathmaking, emphasizing the power of ethnography to create transformative innovation, growth and strategic success for companies, industries and communities. On the second day of […]

22 June 2016
A united energy economy: Experientia helps wrap up the CITYOPT Nice pilot project

Can behavioral change address local energy issues, raise people’s awareness energy consumption issues, and directly support non-profit organizations at the same time? With the Nice pilot of the CITYOPT project, we have seen strong suggestions that it can. It also suggests that the sense of belonging to a local community is a strong motivation for […]

23 May 2016
Experientia white paper: “Conducting clinical trials is about working with patients”

Patient-centricity is one of the defining issues facing clinical trials in the pharma industry. The past few years have seen a growing awareness by pharmaceutical companies of the importance of patient-centricity – but they have also illustrated that not everyone is clear on just what patient-centricity is, or how to achieve it. After using UX […]

12 April 2016
The latest on innovation in Energy Efficient Buildings: annual round-up of EU Commission projects

Every year, the Energy-efficient Buildings (EeB) Public Private Partnership (PPP) publishes the EeB PPP project review – a round-up of energy-efficiency projects that have been co-funded by two European Commission schemes. This year, the print and digital booklet design was done by Experientia, in particular by our talented visual and interaction designer Dohun Jang. Experientia […]

See all articles