Smartphones: The Future Of African Urban Planning?

Humanity faces the mammoth task of adding over 2 billion people to the urban population before 2050, the equivalent of creating a city the size of London every month for the next two decades. The
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Data Localization: Consumer Protection Or Power Grab?

Over the past twelve months, through a combination of regulatory intervention (think GDPR) and private company snafus (think Facebook), data protection has quite rightly become a subject of scrutiny and public discussion across the the
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How Liquid Are Cryptocurrencies, And For Whom?

The Economist this week unabashedly published the headline, "Bitcoin and Other Cryptocurrencies are Useless." The article's thesis asserted that the decentralized, digital currencies are little more than a trap - or goldmine - for speculators,
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Digital Credit Is Easy, But Is It Too Easy?

Access to credit is a key element of financial inclusion, and over the past five years has become one of the most visible aspects of the enormous strides that have been made in its name.
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Impact Investing: From Microfinance To Fintech

Impact investing, or an investment strategy that weighs both financial and social returns at least somewhat equally, has historically latched onto microfinance as a proxy to nurse financial inclusion. As fintech increasingly becomes more synonymous
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Are Some Markets Immune To The X-Pays' Advance?

Apple's recent earnings call grabbed a lot of headlines, and the resulting momentum has nudged the company towards hitting an unprecedented US$1 trillion valuation. Buried a little deeper in the weeds, however, was another
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Trade: The Sweet Spot For Commercial Blockchain?

Sometimes it feels the only thing more overhyped than blockchain is Bitcoin, the notorious cryptocurrency built on top of it, oftentimes to the exasperation of those working on the digital architecture side of the equation.
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Keeping Customers At The Center of Digital Finance

Just a few years ago, Human Centered Design (HCD) was widely considered a key element in the development of DFC products and services, and featured prominently in industry discussions about the development of digital finance.
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