The Potential of PAYGo for Achieving Water and Sanitation for All (SDG 6)

poster-p-1-social-good-aqtap-water-atm-solution-1duutlf.jpg

To "ensure availability and sustainable management of water and sanitation for all (SDG 6)," water service providers need to innovate and adapt successful service models from other sectors. Launched on World Water Day, March 22, FIBR's PAYGo Water Brief explores how digital tools (e.g., smart meters and mobile payments) developed as part of PAYGo solar in East Africa can be combined with new business models to scale in-home water connections in pursuit of clean water for all.

This paper considers PAYGo models and minigrids in the energy sector to identify opportunities to research and test their application to the water sector. The paper also describes the Safe Water Network, a US-based not-for-profit organization that is testing sustainable water service delivery models in both India and Ghana.

Read Our PAYGo Blogs

How Can Small Merchants Get The Most Out of E-commerce Using Superplatforms?

LucAMSn4.jpeg

Small merchants in emerging markets are increasingly adopting digital commerce to expand their customer base and market their goods and services on online marketplaces. These merchants are using digital platforms like Facebook, Twitter, Instagram, Jumia and WhatsApp to promote their businesses, sell their goods and services, communicate with clients and suppliers and to receive payments.

At FIBR, we have been researching superplatforms to determine their value proposition to micro, small & medium enterprises (MSMEs). What value do these platforms provide directly and indirectly to merchants? How are these superplatforms helping merchants to build and grow their businesses? Who are the merchants that sell online and what is the role of trust in these interactions?

Our latest research shows that small, informal merchants are using social media and messaging platforms such as Facebook, WhatsApp, and Instagram to advertise their business, market goods and services, and communicate with clients. The uses, interactions, and workarounds by micro, small & medium enterprises (MSME) in Africa to sell online through these platforms offer insights into 1) personas 2) needs such as for financing their business, and 3) product and service concepts that could help small merchants close gaps in skills, working capital, and business intelligence.

Join FIBR’s webinar and panel discussion to learn how merchants benefit from superplatforms and digital commerce. The webinar covers how merchants are using digital platforms and how superplatforms can better serve merchants.

When: 28th February 2019, 9am-10:00am EST

Meet the Speakers

Additional Reference

  1. Superplatforms Tumblr - updates from our ongoing research and thinking

  2. FIBR Superplatforms - a compilation of our work up to date and our research hypotheses

  3. FIBR Superplatforms Whitepaper - the seminal paper by FIBR that examines the rise of superplatforms and their potential in pulling users in Africa into formal and digital economies

Beyond Marketing: Generating Trust to Sell Online

tumblr_pc3f1hF7yY1xa9nyoo2_r1_1280.jpg

In emerging markets, small merchants or micro and small enterprises are increasingly using social networks, e-commerce & messaging platforms such as Facebook, Instagram, Twitter, Jumia and WhatsApp to promote their businesses. However, generating and maintaining trust online is still a struggle for the majority of these business. We provide 3 strategies to create and maintain trust with customers online. Read our blog.

 

Prosper: A Product Innovation to Link PAYGo Customers to MFIs

A Conditional Rebate to Help Customers Light Up, Grow and Prosper

By Daniel Waldron

Source: Michelle Hassan, BFA

Source: Michelle Hassan, BFA

How can two institutions work together to create a pathway for PAYGo customers to become MFI clients? BrightLife, FINCA Uganda, and FIBR did just that by creating a product Prosper that allows clients to build a credit history that will enable them to access financial services. Learn how.

How Unbundling of the PAYGo Business Model is Driving Market Expansion

Webinar.PNG

Just five years ago new entrants to the PAYGo market had to be vertically integrated: under one roof, they had to be a direct to consumer sales and distribution business, a consumer financing business, and proprietary hardware and software. But times have changed. The core enabling PAYGo technologies are unbundling into standalone offerings that were not previously feasible to sell separately. There are now dozens of PAYGo-ready solar products on the market, multiple PAYGo technology platforms that are interoperable with a range of hardware providers, and unbundled software applications for inventory, call centers, accounting, and even smartphone apps available on a service or subscription basis. These changes have made it easier than ever to launch a PAYGo business, sparking a second wave of PAYGo operators who are able to specialize and focus on more difficult markets, and create opportunities for intermediaries throughout the value chain. 

Join this BFA / GOGLA webinar and panel discussion on how unbundling is playing out, the opportunities and challenges it presents to second generation PAYGo operators, and what the future might hold. The webinar covers insights from BFA’s work in the PAYGo sector through the FIBR Project, experiences of a second generation PAYGo operator (PEG Africa) and a leading PAYGo platform provider (Angaza), and perspectives on the implications of unbundling on the sector’s growth and future technology and business model innovation.