Universal Basic Income: G2P On Steroids Or An Opening for Cryptocurrencies?

Universal Basic Income (UBI) as a possible policy instrument is slowly creeping from the fringe into the mainstream. Switzerland, mid last year, humored a historic referendum on implementing and allocating a basic income of 2,
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Is Mobile Money Safe From Hackers?

As the world has become more digitized, our vulnerabilities to hackers have become evident. In recent months we have been exposed to examples of sophisticated breaches of I.T. systems that have been used to
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From Disney Parks To Carnival Cruises: The Petri Dishes of DFC and IoT?

Theme parks and resorts are emblematic of an encroaching future, a future without keys, wallets, tickets and - dare the thought - maybe even without smartphones. The Internet of Things (IoT), including location-based services, paired
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New Front Lines Open in the 'War on Cash', But Is It Ethical?

If you read certain corners of the internet, you may be aware that a war is being waged all around us. It is a global war, in which a major battle has just been waged
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Does Financial Inclusion Rhetoric Eclipse Consumer Protection Concerns?

Is there ever, really, too much of a good thing? While it is a colloquialism certainly trite in its use, whether or not it rings true is a philosophical question sometimes worth pondering. And perhaps,
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Ghana: Hero to Zero?

After the breakout success of Safaricom's M-PESA, many countries across Africa and beyond eagerly attempted to replicate its success. With hindsight (which always has 20/20 vision), it is now clear to most observers that
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Mobile Money: OTT And Fintech At The Gates

Mobile money, at long last, has finally arrived as a viable revenue stream, with it contributing to as much as 20 percent of earnings for some Mobile Network Operators (MNOs). Due to the pressure exerted
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The Next Element: A DFC Perspective of MWC17

Mobile World Congress 2017 (MWC17), the industry’s largest trade show, which convened in Barcelona last week, reached new heights in popularity and footprint with more than 100,000 attendees from over 200 countries representing
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