The potential acceleration of economic growth in emerging and frontier markets due to the transfer of new technologies is a recurring theme in our search results. Here, we propose a new development increasingly under its spell: the ability of new technologies, especially in data transmission over the Internet, older technologies and commercial activities easy to skip.
In our opinion, likely to lead to even more exciting economic developments. Emerging Markets skip older technologies easily and put the currently most advanced technologies to
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Great success: money transfer service in Kenya
An example is the phenomenon of mobile money transfer system in Kenya, a system with considerable reach with simultaneous growth potential. The operator of a mobile network launched this service in order to meet the needs of the large number of Kenyans meet who have no bank account. So is offered to them under the slogan “Send Money Home” (Schick ‘money home) a secure method to send money to their families.
Quite unexpectedly this service spread like wildfire among the population. Already in March 2012 made the above M-PESA (the Swahili word for “money”) transactions carried out about 25 percent of Kenya’s gross domestic product (GDP). In the wake of this success, the system also spread rapidly in many other countries of Africa, Asia and even Europe, where geographical conditions or the security situation make money transfers over long distances difficult. At the same time, the easy-to-use service in Kenya and elsewhere led to an explosion of additional activity in the areas of commercial, savings behavior and loans.
Well over half the country’s population uses these options (as of March 2012). Similar deals are now also separately set up in other countries. Banks now participate in the development. They have realized that the need for an elaborate system of physical branches has no high priority.
New consumer reach in an innovative way
The same trend can be observed in the Indian retail sector. Because the country has laws nationalist and bureaucratic inertia largely prevented the emergence of supermarkets and retail chains, it has – in our opinion – contributed significantly to impede the construction of commercial premises from the start. So were able to achieve rapid progress in the Indian retail markets Internet retailers.
When we sit down with the CEOs of these companies, are always surprising the anecdotal advice: sales models that have been developed for delivery of supposedly tech-savvy customers in the cities, in practice be a surprisingly high demand from rural regions.
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