Digital Adoption: The Black Swan Theory

Until the 17th century, the term “black swan” was used to describe something that didn’t exist - that is until explorers to Australia discovered that, actually, they do. Even prior to the Hollywood title,
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Revenue Streaming > Music Streaming

When it first arrived on the scene, the idea seemed so revolutionary that it was almost too good to be true: all the music in the world at your fingertips for free. Of course, it
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Mobile Credit: The Airtime, Mobile Money Dichotomy

The delivery of mobile credit (at least when transported on the rails of mobile network operators) has been tidied into two product lines, airtime advance and mobile money loans. The former, or the emergency top-off
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Where Next For PayPal After iZettle?

PayPal was, in many senses, the very first "fintech unicorn", upon whose back Elon Musk and Peter Thiel rode off to change the world in other ways. After spending over a decade as a subsidiary
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Will Mobile Money Drive Digital Media In Africa?

Traditionally, advertising has been the driving fuel for the production of the information we consume. But in emerging markets, particularly in Africa, advertising models have largely failed to match the scale of the demand for
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Global Findex 2017: West Africa Steps Into The Spotlight

When the World Bank's 2014 Global Findex numbers were published, the banner headline figures announced a 700 million person reduction in the number of people financially excluded in just three years. Scratching the surface, however,
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Bike Sharing & The Ecosystem Effect: China Versus The US

Last November, The Guardian made waves with photographs chronicling the “death” of an industry. Hanging above the pictures, the headline boldly claimed: “Chinese Bike Share Graveyard a Monument to Industry's ‘Arrogance’.” But just half a
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Do 'Cash Machines' Have A Future Without Cash?

If we ever, indeed, do arrive at a global cashless future, historians may some day trace its birth to Enfield, a suburb in north London, in the summer of 1967. It was here that Barclays
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