back to top
Friday, May 15, 2026
spot_imgspot_imgspot_imgspot_img
Home Blog Page 587

Inside Epesi Trip Planner Matatu Scheduling Platform

Milcah Lukhanyu
-
0

Epesi Trip Planner, a web-based vehicle scheduling software that queues, routes, maps, and manages rides, drivers & conductors in real-time has been developed by Data Integrated, a Kenyan ICT company specializing in development of public transport automation and payment solutions.

The product was launched on Thursday, 7th March 2019 in Nairobi and has been piloted and is in use at City Shuttle Bus Company.

The product is part of Data Integrated Full Public Transport Solution, MobiTill Epesi that aims at streamlining the country transport system. So far the company has developed solutions in Public Transport Operations Management, Fleet Management, Ticketing & Passenger Security System.

Company currently providing services to more than 80 Matatu Companies & Saccos and 5 Ferry Services.

What problem is it trying to solve?

1)         Traffic jams and congestion at bus stops

2)       Cash Leakages

3)       Organisation & formalization of drivers and conductors

4)       Lack of efficiency and transparency in bus routing management

5)       Tedious manual processes

What solution are we providing to the problem?

Epesi Trip Planner was developed in a bid to decongest the city, help in better urban planning and increase efficiency and transparency in the running of public transportation. It has the below functions:

ü  Control Centre for Bus Company& Regulators

ü  Identification and Authentication of Drivers and Conductors

ü  Harmonize fare with Routes, Zones, Peak/Off Peak times

ü  Central place to view GPS location, revenue, speed & number of trips

ü  Manage & Monitor Crew Shifts

ü  SMS Alerts enabled to conductors& drivers & bus owners

ü  Owners able to access all their transport services in personalized App eg ticketing, scheduling, fleet management, Sacco contributions, Stage fee payments etc.

ü  Mobile Application for passengers: App to allow passengers to know the buses available and the estimated time of arrival at the bus stops.

ü  Display screens at bus stops

Target Market

ü  Public Transport Bus Companies and Saccos

ü  Urban Transport regulators

ü  Commercial vehicles fleet Managers in Companies

Business Model:

Software as a Service. Each vehicle is charged a monthly fee for maintenance and licensing of their tracking device.  A basic minimum fee applies for set-up of system to Matatu Company/Sacco.

How does Epesi Trip Planner sproduct stand out?

ü  First System developed by Kenyans that meets local demands & expectations

ü  Fully Customizable according to industry needs

ü  Tested Locally with Kenyan companies

ü  Easy to use features

ü  No expensive software to buy and maintain

ü  We have the right partners to allow us to scale

ü  Affordable & Accessible

ü  Top-Class  Customer Support

How viable is our innovation?

Matatus constitute 80% of the public transport system with a turnover of Kshs73 billion. There are over 1,000 Matatu Saccos and 400 companies. In Nairobi alone there are more than 30,000 Matatus.

But reliance on manual systems poses a planning nightmare to both the industry, regulators and passengers.

Epesi Trip planner is the first system that looks at addressing these challenges by providing a home-grown solution connecting in a single platform—passengers, bus owners, bus sacco managers, regulators and matatu crew.

Promotion & Costings

Data Integrated is offering 15 percent discount on all our products. They include:

1)         Sacco Operations Management

2)       Fleet Management

3)       Bus Ticketing

4)       Passenger Security System

5)       Passenger Counting System

Scheduling set-up costs per Sacco is 10,000 down from 20,000 until 14th March.

TukAid to launch in Nigeria & Kenya to provide affordable ambulances for people in need.

Milcah Lukhanyu
-
0

Emergency health care is a human right which is scarce in developing countries. TukAid, which plans to launch in Nigeria and Kenya then expand across Africa, aims to provide affordable ambulances for people in need because ambulances are expensive.

Founded by Victoria Martynova, Jamie Boon and Edwin de Wit, ‘TukAid’ turns normal tuk-tuks into ‘Tuk-tuk Ambulance’ for better and faster emergency care in places where normal ambulances are not affordable.

The Industrial Design Engineering students at the Hague University of Applied Sciences argue that ambulances are not only rather expensive, they are locations where they cannot easily be used therefore the ‘TukAid’.

Using the kit, a tuk-tuk can be fitted with medical and technical equipment and with a made-to-measure stretcher that can be produced relatively easily in the local area. The resulting emergency vehicle can then be used in densely populated refugee camps or in disaster zones, for instance, where a standard ambulance would not be able to go but where a rapid response is crucial.

Jamie Boon and Edwin de Wit recently took part in the international youth summit One Young World in The Hague and TukAid won The Resolution Project Award for the best socially-responsible project with a big positive impact.

Blockchain Technology in Business

Milcah Lukhanyu
-
0

The blockchain is a technology that many experts consider it to be the future. However, we know a lot of historical examples when such expectations did not materialize in reality. Will the same happen with blockchain?  

Several years ago people who dived deep into this technology, predicted that we would be looking at revolutionary implementations of the blockchain technology. What was once considered to be something out of a science fiction movie is becoming a reality today. Take China, Russia, and the USA for example. At this point, they are speeding down the racetrack to be the first countries to apply the blockchain technology in the military operations. Dubai is also working on 20 applications for blockchain within its government operations.

We see examples of attempts to implement the blockchain technology in many aspects of our society. Government and military aside, what another aspect can that technology be implemented? Can the business community profit from it? Shortly: yes, it certainly can.

Image source

Currency

Currency replacement is the most obvious application of blockchain technology.

Since the dawn of humanity, people used various ways to pay for products or services. At a certain point in time, people exchanged valuable items for it – a goat for getting your cave cleaned. That payment method later was replaced with coins, which were later replaced with the paper money we are currently using. As thing are moving along at the moment, businesses may rely on getting paid in digital coins.

It is true that only a small percentage of people believe in this change. The last change in currency was the replacement materials with the money we use now. In this case, the blockchain will completely change the currencies, but at a certain point in the future, businesses will rely on the blockchain technology for payments for their services.

Cloud storage

Cloud storage is something that was initially rejected with people saying that they don’t want to keep their data on someone else’s storage. Amazon’s S3 cloud storage from 2006 was something that people wanted to use: for that time it was the future but were still skeptics. Fast forward a decade, and we live in an era where almost every person connected to the internet is storing something on the cloud.

As the cloud business started to grow, so did demands for storage. What was once a server rack used by only a handful of companies turned in to numerous cloud storage warehouses all over the world. So, you might ask yourself, what changes can blockchain make in this line of business?

Right now, the cloud storage that we know relies on physical servers located somewhere. The decentralized network can provide storage for your files or even your websites. It is a concept that is already proven. The Shift is the proof of concept – it is a website hosted on decentralized storage.

Gaming

Some might think of this paragraph as a joke, but truly, it is not. If you take into consideration that in 2018 the gaming industry had a revenue of 43 billion dollars, you should have an idea of how big it is. But the real question is what can blockchain do good  when it comes to games? Quite a lot.

At this point, Ethereum is the most popular altcoin buzz on the internet. The blockchain that is behind it is “responsible” for developing a game called Beyond the Void. The game is a hybrid strategy game located in space that is a combination of action, strategy and 1 vs 1 competition. The entire game is developed on the blockchain technology and along with it is the game’s marketplace. A b2expand claim that the goal of the market is to have full ownership of the purchased items. Standard games that we play and items that we buy don’t belong to us; we only pay to use the items.

Beyond the Void is the first game based on this kind of technology and we should see some major shifts in the gaming industry in the next decade or so. That shift will be towards the blockchain technology.

Conclusion

If you ask anyone that has even the basic understanding of the blockchain technology, they will say it is the future. As much as most of it is not easy to understand for the majority of people, technology has the potential to make some radical improvements to today’s businesses.

Algebra Ventures & Ezdehar invest in Dsquares, MEA’s popular B2B loyalty solutions provider

Milcah Lukhanyu
-
0

​Egypt’s Algebra Ventures and Ezdehar Management​, an investment management firm focused on high-growth Egyptian corporates, have invested into ​Dsquares​, the region’s popular loyalty solutions provider.

Algebra’s strategic investment comes ahead of Dsquares’ launch of its b2c consumer-tech product, the Lucky Discounts App.

Founded in 2012 by Marwan Kenawy, Ayman Essawy, and Momtaz Moussa, Dsquares is the region’s fastest-growing loyalty solutions provider. With significant telecoms and technology experience, the founders saw an enormous and untapped opportunity in the loyalty business in emerging markets. Dsquares quickly dominated the b2b loyalty solutions market in MENA, supporting large corporate clients – including banks, FMCGs, and telecom operators – to retain customers and develop their spend patterns.

In 2018, Dsquares secured funding from Ezdehar Management to support its b2b and b2c growth plans.

‘We’re pleased to partner with Algebra Ventures, a VC that we think is of great value to its portfolio companies across different segments,’ says a Dsquares spokesperson. ‘We believe that being backed by Algebra’s consumer-tech experience will significantly enhance Dsquares’ development and future expansion strategy in the consumer apps business.’

Algebra’s investment in Dsquares follows a number of consumer-tech investments they’ve made over the last two years, including investments in Elmenus, GoodsMart, and La Reina.

Algebra has been following Dsquares’ performance closely, and was very impressed with how much they’ve grown. The VC firm believes that the combination of Dsquares’ impressive track record in the b2b loyalty business, coupled with the strength of the team has uniquely positioned Dsquares to bring loyalty services into the hands of consumers all over the Middle East and Africa.

With the big launch of Lucky Discounts App and a strategic partnership with Algebra Ventures, Dsquares aims to maximize exposure and leverage innovation and technology to continue serving brands and consumers all over Africa and the Middle East.’

Algebra Ventures, a $50-million Cairo-based venture capital fund has invested in 15 transformative technology companies in MENA, including HolidayMe, Trella, Elmenus, GoodsMart, and Halan.

Careem to provide free in-ride insurance for its passengers and drivers in 15 countries

Milcah Lukhanyu
-
0

Careem, the Uber for MEA, has launched a global in-ride insurance programme to provide free in-ride insurance for both passengers and Captains in all 15 countries in which Careem operates.

With the deal, the firm would potentially pay up to $20,000 to cover expenses related to death or serious injury caused by an accident during a Careem ride.

Captains are covered by insurance from the moment that their app is online and available to pick up passengers, right through when they are en-route to pick-up a fare or waiting at the pick up location, as well as when driving the passenger to their destination. 

“Safety remains our top priority as we expand across new territories and enter new verticals,” announced the firm in a blog post. “The introduction of our new free global insurance plan means that our Captains and all 33 million of our customers now have insurance while riding with us in any country. This is a huge commitment from Careem that reflects the importance of safety and well-being of our customers and Captains. “

Careem already has a range of safety and security measures to ensure a standardised level of safe driving – all Captains driving on the platform undergo rigorous background checks, on-boarding and refresher trainings on how to drive as safely as possible and keep their cars in optimum roadworthy condition. 

Captains’ vehicles also receive a standardised assessment, checking against core mechanical, functional and interior measures – from seatbelts, to tire thread, to indicators and lights, cars must pass this test to be on the platform. And by correlating a captain’s potential earnings with the safety of their vehicle and driving, Careem provides an extra motivation for following best practices.

Female captains also have added layers of security with their calls being prioritised in the event of a problem occurring in-ride, and have more flexibility on which customers they choose to pick up based on gender, neighbourhood and customer rating, without this effecting their overall acceptance rating.

The firm says the global in-ride insurance in all markets will ensure that its customers and captains always have peace of mind when using Careem’s platform.

This innovation challenge aims to help manage plastic waste

Milcah Lukhanyu
-
0
This innovation challenge aims to help manage plastic waste

Trash Thread Textile in conjunction with Coca-Cola Beverages Africa and PETCO have launched an innovation challenge that aims to provide innovative solutions to bale post-consumer PET plastic in order to ease their transportation for recycling and manufacturing.

This just reinforces the fact that all of us need to do what we can to take care of the environment. The first step however is to educate yourself, you can click here to find out more on how to take action. Whether that’s through informing others or changing your own daily habits, helping the planet is more important now than ever.

The competition dubbed Beyond Baling Innovation Challenge (BBIC) will target University students, Small and Medium Enterprises and the JuaKali sector to come up with solutions of baling PET plastic so as to properly manage them.

“The Coca-Cola Company and its bottlers are leading the industry with a bold, ambitious goal: to help collect and recycle a bottle or can for every one we sell by 2030. We’re reimagining our packaging to make it better for our planet and our business. We’re working to build better bottles because packaging shouldn’t harm our world.” said Daryl Wilson, Managing Director of Coca-Cola Beverages Africa in Kenya.

“We’re also partnering with communities and industry to lead the drive for a World Without Waste. This is where our BBIC programme is key – we’re working to bring people together to help us collect and recycle a bottle or can for every one we sell. Regardless of where it comes from, we want every package to have more than one life.” Mr. Wilson added.

The challenge will identify and award the best innovations to bale post-consumer PET plastic in Manual Baler, Renewable Energy Powered Baler and Grid Powered Baler categories.

“PET plastic is bulky therefore a challenge to transport. Due to this, we need to compress and bale it. Instead of importing balers, we wish to tap into our abundant local resources to innovate local balers and encourage baler manufacturing in Kenya.” Said Gurpreet Kenth – CEO T3 Group.

The competition targets to promote and nurture innovations in Kenya which will enhance commercialization and generation of wealth, employment and youth entrepreneurship which is in line with the Big 4 Agenda.

“That plastic waste and plastic extrusion is a challenge globally today is not in question, that there are opportunities that exist in the management of plastic waste has been contentious. However, the realities across the globe show us that the plastics recycling industry is set to grow to close to 6 billion Kenya shilling industry by 2023,” said Joyce Waweru PETCO Kenya Country Manager.

In line with the national solid waste management strategy and national plastic recycling strategy, the competition seeks to collect and recycle postconsumer PET bottles across the country as it taps into the innovative technical space and establish partnerships for business development, awareness building and support recycling and manufacturing.

The sports gaming industry will continue to add economic value despite ongoing challenges

Partner Content
-
0

By Ronald Karauri

The global sports gaming industry has in the recent past been plagued by massive tax hikes. Operators have resorted to innovation to cushion the sector from the negative impact of increased taxation thereby continuing to create jobs, develop skills, sponsor sports teams and make other significant contributions to the economy. The world of sports gaming has existed for many centuries, with the first recorded instances dating back to the Greeks and Romans who watched and bet on the outcome of cockfights, bare-knuckled boxing, ancient Olympic Games and gladiator fights.

Kenya’s betting laws were established in 1966 with the Betting Lotteries and Gaming Act as the governing regime and the Betting Control and Licensing Board as the regulator, mandated to issue licenses and enforce regulations in all sectors of the industry.

Since its legalisation in many countries, the online sport gaming industry has experienced tremendous growth, surpassing horse racing and coming in second to casinos, leading to a rich source of revenue generation for many economies.

Due to the financial growth of this sector and increasing rates of consumer participation, governments across the world have begun to impose tougher regulations and higher taxes.

While this may indeed have an adverse impact on some gaming organisations, most are learning to adapt as there are many growth opportunities to explore.

Adding value all-round

Since 1992, sports betting outside Nevada has been largely illegal in the United States, yet a 2017 Oxford University report found that the legalisation of sports gaming would contribute between $11.6-billion and $14.2-billion to the gross domestic product on an annual basis, depending on which states legalise it and their specific tax rates.

A legalised sports betting system would also create 125,000 to 152,000 jobs, paying roughly $6-billion to $7.5-billion in annual salaries.

During May 2018, the U.S. Supreme Court acted to bust Nevada’s monopoly on legal sports betting, allowing more states to get in on the action and reap the tax benefits.

In the world’s most open online sports gaming market, the United Kingdom, the mobile gaming industry has more than doubled in the past five years.

Technological advances such as smartphone apps make the experience far more convenient for the consumer while increasing revenue for companies and supporting the fast-growing tech industry, which has to stay ahead of the mobile engagement curve.

Online sports gaming makes it easier to scrutinise odds and compare offers before making a bet, putting power in the hands of those playing. Importantly, odds are updated in real time, ensuring that you can play as events take place in real time. Though not many firms have the technology or the expertise to provide live betting services. However, a review of Bet9ja online shows that the platform gives its clients hundreds of in-play betting and its live-betting capability enables its clients make more informed predictions.

Sports gaming companies also sponsor local teams and provide an opportunity for players to gain exposure in their communities besides boosting national and regional leagues.

Tackling the challenges head-on

The rapid advancement of the Internet and information technology has enabled people to access information and related services anytime, anywhere. Ultimately, this empowers the sports gaming industry to offer services in-line with consumer expectations.

The strict governance of this industry locally and abroad ensures that all content that is shown on TV has been approved and that all mobile offerings are up to standard to ensure they operate correctly, and do not deviate from desktop versions of the parent website.

Keeping up with evolving regulations and technological compliance requires constant investment and for this reason, increased taxation on the sports gaming industry can be challenging if businesses are not progressive enough to adapt to these regulations.

Recent increases in taxation of sports gaming in countries such as Kenya make the overall sustainability of the industry more difficult.

However, this is a sector built on adaptation and perseverance with the capacity to develop creative solutions to ensure this form of entertainment continues to be accessible, affordable and convenient for as many people as possible.

Top Macro Trends to Keep an Eye on for Forex Traders in 2019

Partner Content
-
0
Top Macro Trends to Keep an Eye on for Forex Traders in 2019

Forex trading is a huge investment, and it seems it will become even more prominent in 2019. The forex market is continuously growing as more people keep on joining the forex ship. We’ve seen significant shifts in prices and trends in 2018, and 2019 these shifts are set to go even higher. As a forex trader, there are three key areas you can focus on when analyzing and reviewing top trends in the forex market in 2019. These areas include macroeconomic trends, prices and an online forex calendar.

In the macroeconomic trends, you can focus on the propensity for the prices to shift in a given period. The shift in prices can either by short or long term and falling or rising. For a forex trader looking to succeed in the market, needs to identify which macro trends are profitable as well which macro trends offer a high risk. All these can be accomplished by always following the online forex calendar. So, what trends should you focus on in the forex market in 2019?

Advancements in technology

The progress in technology has paved the way for the use of algorithmic trading systems used in the forex market. These systems are changing a trader’s approach to trading by offering new methods of creating trade orders through automation coupled with precision and improved speed.

The advanced trading systems will also help eliminate human error and personal bias that commonly lead to the risk of making losses in a trade. Additionally, algorithmic trading will enable beginners to perform trend analysis, which is useful in the reduction of succession losses. Automated trading will also reduce the amount of time spent by a trader on the computer.

Trading apps

In addition to the algorithmic trading systems, there are trading apps that are popping up and becoming common among forex traders. With everything having its app, forex trading apps have become an inevitable trend in 2019. This is especially seen by the millennials who were born with a mobile phone on their hands. The trading apps are also making it easy for anyone to trade, mainly when using the MT4 mobile trading app.

Brexit negotiations and Political climate

The rise of populism related to Brexit and Trump’s trade “issues” is believed to affect globalization in 2019. The two are perceived by forex market experts to be a source of threat to the forex market that may lead to prices falling. For instance, the Brexit negotiations, which are scheduled to take place later this year can be a game changer to the forex markets in the Europe zone.

Social trading

It was one of the most significant trends in 2018 and is set to continue into 2019. Social trading provides an online social environment that forex traders can use to interact in real-time. Through the interaction, they can share knowledge from more experienced forex traders. Beginners can then use this knowledge to improve their performance.

Monitory policies

When comparing the recovery cycle between the US government and other countries, it seems the US is experiencing a fast recovery cycle. Due to this, there has been an increase in the minor interest rates in the Eurozone, the UK, and Japan. There have been efforts placed to come up with policies to stabilize the situation; however, none of them bore fruit and likely to be there for a few years to come.

The pro-business and Trump’s pro-growth policies are not yet formulated. The delay seems to be beneficial as foreign saving is increasing. Through that, it creates room for the dollar to continue strengthening as well as the pound and Euro gaining attraction in 2019 in the forex market.

Conclusion

As 2019 begun, the forex market never expected price hikes mainly from the US federal reserves. What many experts anticipated was a slight rate cut that could go into 2020. Increase in transparency and regulation in forex prices later in the year is also expected to boost the market. Remember to keep tabs with your online forex calendar to ensure you don’t miss out on any trend.

With KochoKocho, Safaricom is borrowing heavily from sports betting & gambling

Sylvia Makario
-
0

I have only been back home in Kenya for only ten days and I am already filled with a deluge of text messages from my dear telco Safaricom with messages on promotions that don’t serve me better as their esteemed customer.  What struck me most and almost exhausted me was and is still the number of promotions that Safaricom incessantly keeps pushing to its Customers without any sort of accountability form their end.

Not to sound too critical on my end, without a doubt, I acknowledge that there are certainly individuals in the Kenyan demographic that get excited for such promotions. Some of them are freely willing to take part in them without question. It is also fundamental to acknowledge that some of these individuals are not aware of the implication are in participating in such promotions as un-harmful they look. However some are aware but they choose to engage anyway. The big question is, “does safaricom carry out enough in-depth research to understand their users in terms of demographics and who would be interested in such promos? “ There is a term called customer segmentation. I wish this could be applied to their research in promos as applied to their expansion methods rather than bombarding everyone with unnecessary messages.

The critics to this post would argue that there is indeed an option to opt out of the promotions but here is there is a caveat.  As much as there is an option to opt out, it still does not make sense to me as user opting out after I have already been spammed with a deluge of text messages. Please note that these messages are geared towards supporting a certain product at my telco or prompting the need to buy more from the telco even when I have zero interest in whatever product they are rolling out.

Most users, myself included would at least require the courtesy of opting out before filling our phones with messages. Or are we all forgetting the cost with which these messages come at in terms of time? For those with relatively low cost phones with no extra internal memory, we have to keep deleting these unnecessary uninteresting messages to save space for loved ones or even business related text messaging space. But does our telco think about their esteemed customers fondly like that? Sadly nope!

It therefore comes with a shocker that my telco safaricom then abuses intensely the privilege of the fact that I and several others have constantly been their loyal customers. This sometimes makes me wonder if my data is secure and safe within their so called internal infrastructure or cloud infrastructure/ offsite infrastructure where their data is stored for the benefit.

A case in point is the Kochokocho promotion. First of all what a name? Second of all at what expense does it come with me keeping on Using or continue using a service from my telco which is overpriced with the promise of me winning a certain price in future?  Is another betting avenue camouflaged within a telco? Another Key question to ask is if these promotions, tracing back to the past years have actually improved the lives of people.

Most Kenyans have developed the culture of betting and these promotions continuously propagated by my Telco are nothing better than the betting society we are seeing on the rise.

Analyzing the value and fairness of the promotions in-depth, we would be mostly interested to examine at close if for example the people who win these prizes genuine winners. But we are a society that makes noise for one or two days and move on the next thing. And this is not unique to Kenya but the world over. Questions such as the existence of a completely transparent mechanism to determine the winners without having bias should be the constant when it comes to such promotions. For example, if I was working for safaricom  and I am in charge of the infrastructure responsible for determining winners, what stops me from recruiting my relatives to bet or enter the draw as much as possible in-order to meet the requirements and later on for me to get a share of the promotional price? This is critical to think about given the number people that have voiced discontent over the past promotions and the legitimacy. This has been happening through social media platforms, televisions and even over the radios and all other necessary media people have been given a platform on. The truth is, we keep rewarding the culture of impunity over legitimacy hence creating the mentality of entitlement and lack of accountability.

That in itself echo’s clearly on the culture of betting and how individuals in the country have become heavily reliant on them , losing their livelihoods and man hours of the day trying to spend money they would never recover back within a week of even months.

Statistically, Safaricom gains 100 fold or even more, by people taking chances on using one single promotion with the hope of being the winner in the long run. Obviously those who understand this concept will not attempt to participate in these hogwash promotions. In most cases, most people like myself, opt out as soon as we see the text messages or not engaging at all. However our phones keep getting bombarded with absolutely unnecessary non-educative information to our already overwhelmed devices.  I would rather get useful information than promotional information geared towards making me buy more at the expense of my livelihood.

Next steps and suggestions

We all need to hold Safaricom accountable to these promotions if we are a society that cares about the kind of society we want to be a part of as well as the altruism of organizations serving us. If we analyze deeply, we will notice that most people engaging in these promotions are uninformed on the implications in terms of the amount of amount they spend trying to win a promotion versus   the returns on investments. We however still have the informed unemployed youth, who use this as a mechanism to help themselves at least win something for themselves which in most cases ends up in frustration. Please note that I am not criticizing people engaging in these promotions but informing the masses that there is a lot lost than gained in engaging in these promotions. For example as earlier mentioned, financially no one has genuinely analyzed the cost if implication on the consumer side compared to what the Giant telco makes off of its consumers. The well lost man hours which could be spent looking for a job or teaching themselves a skill in those hours spent making Safaricom richer by the minute or even second.

We need to do better for ourselves and hold accountable to the last mile, organizations that are scavenging on their consumers in the name of promotions as a way of Marketing.  Most Importantly safaricom needs to do better in providing avenues to improving the lives of more people rather than swindling them by having non-informative and self-destructing promotions embedded in all our texts without consent.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

Should You Become An Influencer?

Partner Content
-
0

The concept of having a viable career as an Influencer hasn’t been around that long. But since its inception it has slowly built up a steady momentum and is now one of the most popular career choices in the realm of marketing.

What Is An Influencer?

An influencer is someone with a vast knowledge of a particular topic or brand who has established themselves as a credible source of information with their digital online audience. Within their niche market they have the ability to influence the choices and opinions of their audience because of their authenticity and reach.

In recent times brands and companies have incorporated influencer marketing into their marketing strategy. They do this by reaching out to influencers to assist them in their marketing efforts in order to subtly promote a product or service.  By acquiring the services of an influencer a brand is able to expand their targeted reach. The social influencer is paid for providing this service which makes their partnership mutually beneficial.

How Do You Become An Influencer?

To become an influencer you need to make people aware of your existence. This is also known as social media marketing and can be learned by signing up for a social media marketing course.

Here are a few tips to help you get started.

  • Find Your Specialty

In order to be a successful influencer your first order of business is finding a suitable topic to focus on. Having extensive knowledge of the topic you’ve chosen is also a must because you can’t promote something you know very little about.

  • Grow Your Following

Once you have a topic you need grow your audience. By engaging with existing followers on a regular basis you will be able build your reputation in your niche. Once this is established people will feel inclined to share your social media posts. This will increase your exposure thereby increasing your reach and your following will grow organically.

  • Content Is Key

As an influencer your audience relies on your content to make decisions. Depending on your area of focus these decisions can be about what movie to watch, what phone to buy or what music to listen to. This is why your content needs to be authentic and reliable as well as engaging and fun.

  • Collaborate With Others

As an influencer your main focus should always be on content. But while creating and sharing fabulous content and engaging with your audience is great, don’t be afraid to reach out to fellow influencers. By developing a network of people in the same field as you (even if they aren’t part of your niche) you can increase your exposure. This can be done in fun ways like collaborating on blog posts. This can lead to a variety of new opportunities such as breaking into new markets and increasing your revenue.

  • Choose A Social Media Platform

When choosing a social media platform it’s important to make sure the site offers features that are relevant to your content. For example: If you’re promoting a fashion brand, a profile on Instagram will be a better fit than a gaming platform like Twitch.

  • Expand Your Reach With A Blog Or  Website

Being a social media influencer doesn’t mean you have to limit your online presence to social media platforms. Creating a personal blog or website can help you increase your exposure, strengthen your personal brand and gives you another outlet to share your content. It can also serve as an online portfolio which holds your entire body of work in one place and shows off your social media marketing skills.

Benefits of Becoming An Influencer

  • Flexibility

As an influencer you are own boss. This means have the freedom to set your own work hours, create content about things you love and have the ability to work from anywhere. You are also able to set your own payment rates.

  • Getting Paid To Be Yourself

It may not always be easy when you’re just starting out, but once you’re established in your field being an influencer means that you get paid to be yourself. That’s right – you get to make money by writing about the things you love and by working with brands that resonate with your lifestyle.

  • Inspiring A Community

As an influencer you have the ability to connect with people across the globe. You get to help and inspire them with your content. What’s more is because of the informal nature of influencing you may even build lasting friendships along the way.

How to Raise Venture Capital In South Africa

Partner Content
-
0

Entrepreneurs constantly disrupt the balance of competition by unlocking inventive commercial opportunities and creating new markets in doing so. This can sometimes be done by bootstrapping (with minimal financial resources) over time, but because of the rapidly changing environment innovation-driven entrepreneurs operate in, some form of risk funding is usually required to scale viable opportunities. Raising Venture Capital (VC) is one way to do it. VC firms invest in early-stage, emerging SMEs with high growth potential in exchange for minority equity ownership.

But for many South African SMEs this remains theoretical. While VC is a recognised alternative asset class in many countries, it is still an emerging industry in SA with few (but increasing) VCs around that have limited funds to deploy. Local entrepreneurs seeking risk funding should therefore get resourceful to increase their VC funding chances… This is how:

1) VC Backable Scalable Business Model?

Venture Capital should not be the go-to funding choice for everyone starting a business. A Startup is a high growth potential company in search of a repeatable and scalable business model. Once it gets product/market fit and some traction through the scale-up phase it turns into a so-called ‘Gazelle’ — an extremely fast-growing company [not measured off a low base], which maintains consistent expansion of revenue, employment and/or profit metrics over a prolonged period of time. If your business model does not fit within the spectrum of these definitions it is not VC backable and other funding mechanisms may be more appropriate.

2) Target an Investor Universe

VC investors will do a thorough due diligence on you, your business and the growth assumptions behind it. Start by turning the tables on them. Do your homework on who the active and credible investors in the market are. Talk to their current and/or past portfolio companies. Study their investment mandates and make sure you are a good fit for each-other. SAVCA Membersand the list of Section 12J VCCs could help, and increasingly international VCs are turning their sights to Africa so look out for those.

3) Get Referred

It is not necessarily a well-known fact that most VC deals originate via leads passed on from within the wider trusted networks of the VC. Use the concept of six degrees of separation to find a way to get introduced. Or trawl the Startup scene for networking events. A warm referral to a VC goes a long way to securing that first meeting.

4) Refine Your Elevator Pitch

You need to be able to convince a VC that your Startup is worth investing in by communicating all of the core elements of your venture in a clear and concise manner. Define your company’s purpose, perfect your one-line pitch and strive to tell a 4-word story. Then let your inner circle of friends and mentors know what you are up to.

5) 1-Page Teaser Doc

Startups should always have a clinical ‘1-pager’ summary of their business and the investment requirements on hand. Mainly used to immediately follow up when your elevator pitch worked and a potential funder or partner says: “Sounds interesting, can you send me some more info?”. Also makes it easier and more professional when your referral network does an intro by leading with this 1-pager.

6) Standard Pitch Deck

Yes — we know some entrepreneurs have their own ideas of what information potential VC funders would like to see (keep that on hand for the due diligence data room), but why not just use the tried and tested pitch deck format that is used the world over for the first meeting with a VC that goes something like:

7) Granular Financial Model

Like it or not, at some level all roads lead to the assumptions behind your financial model. VC’s have heard it all from the ever-present “these projections are conservative” to “real life won’t mimic excel anyway so what’s the point of building a model”. Build a model. And make it granular. We know there will be pivots, delays, underestimation of costs, corporates who pay late and unexpected windfalls. But we need to agree on the basic set of metrics that reflect the commercial DNA of the business. At this snapshot in time.

8) Due Diligence Data Room

A data room is a place where the SME places copies of the financial, legal and business documents that define the history and future of the company. It can be physical, virtual or a combination thereof and is accessed by potential investors during due diligence — usually after having signed a “Non-Disclosure Agreement”. Keep it updated before approaching VC investors as two things happen in an investor’s mind when a Startup says: “I can give you access to my Virtual Data Room”… One: they know that this entrepreneurial team has got their act together and managing the partnership post-investment will be a pleasure; and Two: there is a perceived sense of urgency as other investors may already be analysing the information. Have a limited data room ready with just the key information that you are willing to share and then also a comprehensive one for when negotiations heat up.

9) Push for Term Sheet

Real VCs are in the business to invest. If you don’t get a Term Sheet or Letter of Intent from a VC to invest within a reasonable timeframe something is wrong. This could be mainly one of two things: For various reasons there is no real interest from the VC and you are in the “Slow Maybe” pile; or you have not enabled the VC with enough relevant information to make a “Yes/No” decision. Figure out which it is. Respond timeously to information requests. Push for a decision either way. If needs be, work through the person that referred you to the VC in the first place.

10) Avoid Deal Fatigue in DD Finalisation and Legal Closing

This post is not about the intricacies of the due diligence process or legal negotiation tips. But once you have ‘passed’ the due diligence exercise there is usually a working list of things to get done as suspensive conditions to the potential transaction, and the legal closing process takes its course. Some legal tweaks are inevitable. This can be relatively painful if the spirit of partnership is not already present in the way parties negotiate with each other. Avoid so-called deal fatigue by finding sensible compromises to negotiation obstacles, meeting suspensive conditions quickly and working with the best lawyers.

****

Keet van Zyl is a Venture Catalyst and scale-up investor @KNF_VC • and a co-founder at KnifeCap.

Laikipia county unveils the BJ-50 ‘tuk tuk’ at the devolution conference

Charity Mbaka
-
0
Laikipia county unveils the BJ-50 ‘tuk tuk’ at the devolution conference

Laikipia County government has unveiled a head-turning invention at the 6th annual Devolution conference currently taking place in Kirinyaga county.

The county posted a video of their home made four wheel ‘tuk tuk’, the BJ-50, on social media to the amusement of netizens.

In a 2018 article on Laikipia County Government’s website, at least 26 orders have been made for the contraption from quote, “influential persons”.

Governor Ndiritu Muriithi, speaking during a Trade Panel on Thursday, said the ‘tuk-tuk’ can carry at least seven people. Interested buyers can have one of these beauties for themselves at a cost of KES 450,000.

However, Kenyans online have already taken to making fun of the invention, rubbishing alongside Nairobi County’s new mascot (pictured).

The exorbitant pricing of the tuk tuk does not do much in the way of changing public perception of it.

Ride-hailing startup Taxify is rebranding to Bolt to widen product range

Charity Mbaka
-
0
Ride-hailing startup Taxify is rebranding to Bolt to widen product range

Taxify, a popular ride-hailing startup is rebranding to Bolt to widen its product portfolio in line with its vision of the rapidly evolving transportation industry.

Bolt, CEO and co-founder, Markus Villig said, “Taxify launched five years ago with a mission to make urban transportation more convenient and affordable. Our first product was a taxi dispatch solution that gave the company its original name.”

Taxify had been the subject of much controversy in previous years in Kenya, with users citing poor and sometimes alarming driver conduct. The rebranding may also serve to regain users’ trust and cast a veil upon its murky past.

The new brand will be rolled out gradually across Bolt’s global markets in the coming weeks. Users in the 30 countries will not be required to take any action since the app will update automatically.

Villig said the rebrand to Bolt serves several purposes, among them channeling the basic definition of the word bolt, speed and electricity. “We are bullish that the future is fully electric and so we wanted a name that moved us away from the combustion engine,” he said. The shift from using the word taxi also allows the company to explore other modes of transportation aside from cars. The company plans to add smaller vehicles such as scooters to its fleet.

Brazilian crypto-currency firm Velox Global collapses with investors money

Charity Mbaka
-
0
Brazilian crypto-currency firm Velox Global collapses with investors money

Brazilian-based cryptocurrency ponzi Velox Global has collapsed after less than two years since launching colorfully in Kenya. The company has gone down sinking millions of shillings belonging to Kenyan investors.

The firm billed a membership fee of USD 200, and promised investors eye-watering monthly returns between 30% & 50%. Ms Esther Muthoni, a Kenyan businesswoman, reportedly invested KES 3.2 million (USD 32,000) alongside her friend, Lucy Kamatu, who invested KSh500,000 (USD 5,000).

Investors raised concern after noticing that the firm was operating outside its licensed operations of handling non-financial assets.

The firms collapse comes barely days after the issuance of a warning against investing in cryptocurrencies given by the Capital Markets Authority.

The companies website has been pulled offline since the news of its collapse.

Top 6 highest-paying tech jobs of 2019

Milcah Lukhanyu
-
0

Technology development is endless, and many companies now resemble tech companies. Tech jobs are becoming in demand both in business and online gaming industry.

Many highly-paid tech jobs are needed by big companies around the world. Do you want to know the most in-demand jobs in 2019?

Here are the top tech jobs this year:

Slot Game Developer

Online games are fun and addictive to play if it has appealing graphics and good audio. For example, slot games require fantastic graphics and sounds for it to attract the attention of gamers. An iGaming slot developers handles the conception and the execution of the game.

Casino games are enjoyable due to slots games developers whose work is to create games that are engaging both in terms of audio and graphics. So, game developers are hired to make each slot game amazing. The slot developer is behind the story writing the concept of the game. The game developer also does a good job when it comes to coding and the programming of the game. Also, the iGaming software developer might explore other areas such as audio, production, and design.

Thanks to iGaming developers, the games you play online are a visual treat for most players.

Machine Learning Engineer

Machine learning and artificial intelligence or AI offer new ways for business owners to optimize their business. Machine learning allows a business enterprise to grow by using computers and robotics. The machine can make office work easily so companies are hiring machine learning engineers so that companies could fully embrace AI.

From upgrading computer software to installing personal assistants, machine learning engineers can make business multifunctional. Business concepts and practices are optimized by adapting machine learning into the business industry.

Machine learning engineers can create fully productive and functional concepts using machines.  From here, businesses have chances to be competitive both in the local and international levels.  

Cybersecurity Engineer

Today’s developing business enterprises, and consumers are the focus on their security and safety when they’re using the internet.  Security emphasis is the main reason why cybersecurity engineer is on demand today. Companies aim to safeguard their products and services from potential harm.

Cybersecurity engineers offer a strong line of defense to products so that these wouldn’t be vulnerable to cybercriminals. New products, in particular, might fall into the wrong hands if these aren’t secured. Cybersecurity engineers make sure that it doesn’t happen.

The Internet of Things or IoT security is the focus area of cybersecurity engineers. Here, they make sure that connected devices aren’t vulnerable from any malicious attacks from online criminals. If you background IoT and other related concepts, you can apply as a cybersecurity engineer.

Data Scientist

For the past three years, a data scientist is named as the number 1 best job.  Data scientist job offerings continue to be in demand this 2019. Why? As more companies can collect data, it requires employees who can organize and analyze the information effectively. Data scientists are a big help for companies to use collected data successfully.

Companies aim to increase their proprietary data that helps it reach its business goals. But it also needs third-party data to gain an understanding of a solution that allows the company to solve business problems.  Data scientists analyze the data for it to provide an excellent solution to company problems.

If you’re competent in data scientists, you could become a data scientist. You can incorporate data to help a company come up with a better solution. It enables the company to progress on its goal and services.  Also, you can build some ways how a company handles its data by being a data scientist.

Full Stack Developer

Based on the recent job data search, full stack developers are in demand in job postings. Some companies move away from the back end and front development groups that lead them to hire developers. Stack developers work in all application stack levels that add to a company’s successful projects.

Before you can become stack developer, you need to have an idea about stack level applications, and it’s best you have the experience to back up your credentials. Big companies always look forward toward the success of their business. So, a skilled and experienced stack developer is needed as part of their team.

Cloud Engineer

Cloud computing continues to make a difference in the business transactions of big companies. Most companies are turning back to infrastructure models towards cloud approach in the past years.  Since 2015, the job postings on cloud engineers soared to 27% and still growing today.

Cloud engineers with excellent cloud computing skills are hired by companies to upgrade or design new environments.  Cloud technologists with the best experience make a difference to the cloud approach of a company. So, many business owners are looking for the best cloud engineers to perform cloud computing tasks.

If you have basic cloud computing skills, you can be a cloud engineer and become part of the evolving global business industry.

Tech jobs provide a lot of opportunities to show your skills in the global industry. Whether your job is iGaming software or data scientist, you would learn and discover new things about the job you’re doing. Since tech jobs are in demand, you have chances to take offers from the best and large companies

Technology development allows companies to create new concepts that would help them enhance their business capabilities. Companies have the best chances to be competitive and develop new ways to reach out to clients.  So, tech jobs would continue to be in demand in the following years.

Nigeria’s Agrilet launches platform for farmers and microfunders

Milcah Lukhanyu
-
0
Nigeria’s Agrilet launches platform for farmers and microfunders

Nigeria is an untapped potential agricultural power house, with over 180 million people projected to grow to 470 million by 2050.

Farmers in Nigeria struggle to increase yield, tore produce, get their goods to market on time, and secure a fair price for their produce. This is the problem Agrilet is trying to solve through its platform for microfunders to invest in farms and food-processing related projects.

Agrilet is giving farmers access to a larger market, machineries, and thus improved farm inputs, and to microfunders, impressive return-on-investment, fulfillment of dreams, and thus an increased alternative source of income. The agricultural platform is targeting the $24.7 billion market in Africa, starting with Nigeria as its point of entry. 

Some of its competitive edge over existing market players, include a dedicated personal assistant for investors, farm assistants for farmers, and providing farmers with a truck delivery service and better market price information. 

The platform was founded by brothers, Victor Yunusa (CEO) and David Yunusa (C00) on May 2018, and launched March 1, 2019. 

Mastercard partners Angaza to market its QR Code payment technology in Africa

Milcah Lukhanyu
-
0

Mastercard has partnered with solar energy firm Angaza in a move expected to fuel growth for Mastercard’s QR payments technology across Africa, Latin America and other emerging markets.

Mastercard will see Angaza customers use digital payment solution for solar home systems and water pumps powered by Angaza’s pay-as-you-go (PAYG) embedded metering and monitoring technology.

Mastercard’s cutting-edge digital payment solutions and infrastructure including QR technology will not only unlock access to the basic necessities, but will also help people without access to credit or traditional banking services start on a path to financial inclusion.

The partnership follows the successful launch of Mastercard’s first PAYG application programming interface in Uganda last year, which combines low cost QR technology – an open and interoperable technology, with the internet of things to lead more secure and efficient payments.

Currently, most payments on the Angaza platform are conducted via cash or mobile money. With the integration of Mastercard’s API, the solution will provide new levels of payment flexibility and affordability impacting the lives of millions of consumers across emerging markets.

Additionally, this partnership could open up fresh access to other financial services and tools. By keeping accurate records of payments that a user is making, the user is able to establish a verifiable digital identity and trackable credit history which was previously impossible to create or maintain. This data gives companies and financial service providers the ability to put underserved populations on a new path to financial inclusion.

“We are delighted to be partnering with Angaza to bring access and inclusion to people and businesses around the world. This partnership will help consumers to overcome hurdles such as the significant cash outlay required to purchase critical items by leveraging micropayments, which in turn also helps to build their credit history. All of this is being made available via the internet of things, which is a great democratizer and is playing a critical role providing safe, secure and accessible digital ecosystems”, says Jorn Lambert, Executive Vice President, Digital Solutions at Mastercard.

“This is a pivotal collaboration for the last-mile distribution industry, bridging Angaza’s global pay-as-you-go solution with a leading digital payment provider,” said Angaza CEO Lesley Marincola. “The addition of Mastercard’s QR technology to Angaza’s platform will allow solar distributors and their clients to process payments for life-changing products securely and efficiently, while opening doors to broader financial inclusion.”

To date, Angaza’s technology has enabled more than five million people in emerging markets across Africa, South America and Asia to purchase over one million life-changing products like solar home systems, water pumps, and clean cookstoves. Following the completion of a successful pilot with the BOP Innovation Centre in Nigeria, Mastercard and Angaza will expand the programme to other markets in Africa and Latin-America to bring as many people as possible into the financial fold.

Tech Skills Employers Want to See on Your Resume in 2019

Milcah Lukhanyu
-
0
Tech Skills Employers Want to See on Your Resume in 2019

Are you looking for a well-paid tech job?

If you haven’t updated your resume recently, it’s likely you’ll be listing outdated skills that are not in demand today. More and more positions require in-demand tech skills, and this is a golden opportunity for you to prove your value.

If you’re wondering which skills you should acquire and list on your resume, check the list below.

Mastering some of these skills will make you stand out in many technical fields, and will help keep you ahead of your competitors.

AI and Machine Learning

Artificial Intelligence (AI) is among the most in-demand sectors in today’s jobs market and machine learning is one of its applications.

AI relates to intelligence that is implanted within machines to make them ‘smart’. Machine learning is a technique designed to make computers learn to use available data, which they then use to make meaningful decisions and achieve more efficient task execution.

Data Science

Data science is also a skill in high demand. Data science skills require a candidate to acquire insights and meaningful information from data using a combination of different algorithms, machine-learning strategies and tools.

Major industries (like healthcare, banking and finance) are looking for expert data scientists. When it comes to making better, data-driven and meaningful decisions, companies have to rely on these professionals.

Computer Vision Engineering

This field concerns the development of applications and scripts to enable computers to view and understand  images and videos.

To excel in this space, you must master script development skills to teach robots and computers to identify and locate specific objects. A strong knowledge of math is essential.

Cybersecurity

Cyber-crimes are on the rise globally, so it’s no wonder that cybersecurity experts are in high demand today.

Since hackers are constantly attempting to steal confidential information from companies and their customers, appointing cybersecurity experts is now mandatory.

Are you interested in making a great career in this field?

It is thought that there will be around 3.5 million vacant cybersecurity jobs by the year 2021. So, if you start mastering these skills today, you could secure a well-paid job very soon.

Development (Software, Web, Mobile)

Developers are needed in almost every tech company. They design, install, test and maintain specific systems for software, web and mobile.

Most businesses (both online and offline) want to create a unique digital presence; hence they need competent developers.

Database Development

Almost every company needs database professionals who can efficiently manage and properly develop database servers with the help of SQL codes. These professionals save companies from the additional costs of design automation and database development processes.

To make a decent career as a database developer, you must acquire troubleshooting as well as problem-solving skills.

Nigeria’s payment infrastructure firm TeamApt closes $5.5M to scale across Africa

Milcah Lukhanyu
-
0

Founded by ex Interswitch Software Engineer and Product Manager Tosin Eniolorunda, Nigeria’s TeamApt, which provides digital solutions and payment infrastructure for Africa, has closed on a $5.5M Series A round, led by Quantum Capital Partners.

The firm will use the $5.5 million to scale more aggressively into additional markets, whilst deploying investment into further product development, talent acquisition and expansion of its internal operations.

According to Tosin Eniolorunda, Founder and CEO of TeamApt, “Banking on the continent is changing at a rate never seen before by Africa’s financial institutions. Innovation and technology are no longer nice-to-haves, but must-haves, as both businesses and customers demand convenient, quick, and easy services from their banks. Every financial provider is under pressure to provide seamless and cost-effective digital solutions. Our engineers are building platforms that promote simplicity in how banks and businesses are run – and we continue to forge ahead building products that are becoming part of the very fabric of Africa’s banking infrastructure.

Launched in 2015, TeamApt has so far on-boarded 100,000 businesses in Nigeria, is serving 3M customers across the country and is currently processing monthly transactions of $160M with a revenue growth of 4,500%. The firm works with 26 African banks, and 100% of all commercial banks in Nigeria, including Zenith, ALAT, UBA and Diamond Bank, TeamApt builds white-labeled products, to ensure digital financial transactions are easier, faster, cheaper and safe.

With a team of 40+ developers, TeamApt has deployed over 55 tailored solutions to banks. The company’s flagship product is Moneytor an end-to-end omnichannel digital banking solution for financial institutions to fast track digital transformation processes with web and mobile interfaces.

“We are now several steps further to building a symbiotic and frictionless digital banking ecosystem connecting not only Nigeria but Africa and creating technology for financial happiness for Africans,”
Eniolorunda added.

According to the Central Bank of Nigeria (CBN), the total value of electronic e-payment transactions recorded in 2017 rose by 32.5 percent to N83.1 trillion (approximately $229 billion) in 2017 from N62.7 trillion (approximately $176 billion) recorded in 2016, demonstrating the immense potential available in the market.

TeamApt is set to launch Aptpay, its first consumer-facing product that will provide a one-stop system from which all banking transactions [bill payments, transfers, direct debits and more] – are powered through a single platform. Aptpay will allow for self-reconciliation for customers to curb financial fraud.

“We sought to partner with TeamApt to leverage the significant opportunities within the African financial services landscape to optimize financial inclusion across the continent,” said Elaine Delaney, Co-Founder of Quantum Capital Partners. “TeamApt’s ability to continuously innovate with a strong focus on customer delivery driven by an impressive management team were the key elements that supported our investment thesis.”

FarmDrive receives additional investment to provide credit to 3 million smallholder farmers in Kenya

Milcah Lukhanyu
-
0

FarmDrive, a Kenyan agritech startup in January received follow-on investment from EWB Canada, with participation from AK IMPACT INVESTORS, 1 to 4 Foundation, ADAP SEED FUND 2 and The Lakes Charitable Foundation to unlock millions of dollars in loans for smallholder farmers in Kenya and sub-Saharan Africa.

FarmDrive will use the follow-on investment to scale to $13 million of loan originations in 2019 with minimal losses and exceptional returns using, RiPe, a customizable lending  engine that will allow lenders to plug in and access low-cost loan origination channels such as USSD, credit scoring, identity verification and a portfolio management suite that includes recovery and collections, payments, customer support and advanced real time data analytics.

Elena Haba, Acting Director of Investments at EWB Canada said: “FarmDrive has the potential to shift market attention and fill the credit gap between creditors and underserved small business owners like smallholder farmers. We believe that addressing this credit accessibility issue is a seminal first step towards building more inclusive and sustainable economies.”

In its fourth year, FarmDrive is positioned to reach 3 million smallholder farmers in Kenya in the next 5 years. The two co-founders, Peris Bosire and Rita Kimani, aim to deliver productive digital loans and lay away savings products to smallholder farmers (SHFs) to grow their incomes and resilience. Using a combination of agriculturally relevant data, Know Your Customer data, and advanced behavioural analytics, FD has developed a proprietary Lending Engine to extend loans to these farmers.

The agriculture sector in Africa employs an estimated 70 per cent of the population and contributes over 40 per cent of GDP, but receives less than 4 percent of total bank lending due to a lack of personal assets, credit history, and technological tools for smallholder farmers.

FD has built credit histories for smallholder farmers who didn’t have financial identities before, and has approved input loans to more than 53,000 farmers from as little as $5 to $500.

FD uses mobile technology, predictive modelling, AI and a customer first approach to democratize access to loans to all farmers; ensuring farmers can apply for a loan from any type of phone and receive a decision on their loan application in seconds.

Previously, FD received $50,000 USD of early-stage seed funding from EWB Canada to develop their platform and prove to financial service providers that smallholder farmers are profitable clients. In the last four years, FD has seen that their loans increase the productivity and incomes of farmers and has led to reduced costs, increased scale, and improved quality of agricultural portfolios for lenders. They also secured a partnership with Safaricom, Kenya’s largest mobile network operator, to launch DigiFarm Loans, a mobile USSD platform (*283#) that provides farmers access to affordable input loans, customized input packages, market and agricultural learning content. Today, approximately 1 million smallholder farmers in Kenya are registered on DigiFarm.

Peris Bosire, FD’s CEO says, “We are delighted for this investment from strategic investors to enable us to build financial identities for more smallholder businesses and scale our low cost distribution model. We are going where banks haven’t reached and are creating a trust ecosystem in the most unstructured sector in sub-Saharan Africa: agriculture.”

Sasfin takes an equity stake in fintech lender Payabill to enhance SME growth

Milcah Lukhanyu
-
0

Sasfin, South Africa’s leading business challenger bank has taken a strategic stake in fintech lender Payabill in a move expect to fuel SME growth in the country.

Launched in 2017, Payabill settles suppliers directly for its clients and allows clients to select their own extended payment terms. The 100% digital lending business, provides working capital and/or trade finance to small businesses. The collaboration between Sasfin and Payabill accelerates financing opportunities for customers.

According to Payabill CEO Eli Michal, “We are incredibly excited by the opportunity afforded to Payabill by having Sasfin as an equity and debt partner. Sasfin will provide access to new channels and much needed funding that enables us to support the growth of small business finance in South Africa.”

Currently, Payabill offers loans of up to R150 000 to businesses. The intention is that with the investment made by Sasfin, Payabill will be able to offer larger loans to SMEs in the near future.

Last year successfully launched its digital platform, B\\YOND, for SMEs and sees Payabill as strategic because it has made huge strides in giving businesses access to digital finance.

“We all know that boosting small business creates jobs and enables growth. Traditional lenders have neglected this segment of the market due to the high costs associated with on-boarding and assessing these customers, as well as managing their credit risk. It made no sense to us that a retail consumer could get multiple forms of credit, almost instantly via electronic channels, but small businesses could not. They were being neglected. With this in mind, we set out to build a completely paperless, digital solution to address this market’s unique requirements,” said Sasfin CEO Michael Sassoon.

With the deal, SMEs can now borrow digitally, via Payabill, and bank via B\\Yond from Sasfin – reducing admin and costs which often stifles small business growth. Both B\\Yond and Payabill are gaining meaningful traction in the SME market and there are a host of additional digital initiatives that we are working on to further help small businesses thrive.

10 edtech startups from Africa selected for Dubai’s ‘Next Billion’ EdTech Prize

Milcah Lukhanyu
-
0
10 edtech startups from Africa selected for Dubai’s ‘Next Billion’ EdTech Prize

Ten edtech startups from Africa are among 30 finalists selected to pitch at this year’s Next Billion EdTech Prize, founded in 2018 by Indian billionaire Sunny Varkey’s Varkey Foundation, to recognize innovation in education in low income and emerging markets.

The 10 finalists from Africa will pitch before over 1500 delegates, venture capitalists, academics, remarkable teachers, education ministers and stakeholders coming together to solve global education problems. Varkey Foundation will also be hosting the $1 million Global Teacher Prize on the same day to celebrate outstanding teachers globally.

The 10 African startups include:

M-Shule, Kenya

M-Shule is an AI platform using SMS to continuously analyze each learner’s ability in order to generate personalized learning tracks and build their skills. It provides an integrated solution – easily accessible through SMS for parents and teachers, with a web app for school directors.

Eneza Education, Kenya

Eneza Education is a comprehensive virtual tutor providing universal access to affordable, quality, lifelong learning through mobile technology. The Mobile Learning Platform helps tackle Africa’s problems of illiteracy, school dropouts, high textbook costs and lack of quality feedback for learners. It has evolved from access on any mobile phone through USSD & SMS, to multi-device- smartphone, tablet, or laptop. Learners access the platform via mobile web, desktop, Facebook Messenger, and Telegram and teachers and school administrators are empowered by being equipped with relevant content.

eLimu, Kenya

Tackling the literacy crisis in Africa by focusing on local languages, eLimu makes literacy apps with relatable content, in local languages, and with scientifically proven pedagogy. eLimu relies on storytelling traditions and technology to promote learning and attainment, motivation and retention with contextualized learning.

ScholarX, Nigeria

ScholarX is a social impact startup focusing on education financing to help young Africans from low-income backgrounds access quality education through scholarships, crowdfunding and e-learning. After downloading the app from Google Play store and iTunes, users create an account then search for a list of scholarships that match their qualifications.

Etudesk, Cote D’ Ivoire

Etudesk aims to make online education more accessible to everyone in emerging markets. As a web platform helping organizations to build and easily manage their online training programs, it provides professional coaching for job seekers, including teachers, to help them find employment. They work with both the companies seeking employers as well as potential employees.

PraxiLabs, Egypt

Praxilabs provides virtual laboratories for schools and learning organisations in the Middle East and beyond. With 3D simulations of major experiments in biology, chemistry and physics, students can access these from their devices at any time. Additional multimedia files help students perform their scientific experiments and the whole process can be integrated within existing learning management systems of schools or education providers,  giving learners worldwide tools to experiment and learn science.

LangBot, Ethiopia

LangBot allows schools, teachers or publishers to easily create AI chatbots which act as personal language tutors that teach or prepare learners for tests using content they create on the platform. Tools are provided to content creators and teachers to develop their own lessons or plans and give personalized language teaching and testing to students. Technology, teaching and personalisation are carefully orchestrated by the teachers or content developers, underpinned by a technology solution which could prove a potential catalyst to scale language learning in multiple contexts.

Zelda, South Africa

Zelda is a mobile platform providing free career guidance to high school students and methods to help them find funding for tertiary education. Based on a student’s strengths, interests and passions, Zelda will make recommendations for the most appropriate bursaries and university opportunities. Focusing on aptitude as well as skillset, it allows students to make the most of their prospects in further education and the job market.

Ubongo, Tanzania

Ubongo leverages the power of entertainment, the reach of mass media, and the connectivity of mobile devices, to deliver effective, localized learning to African families at low cost and massive scale. Its family-friendly content promotes literacy and education in resource-poor areas. Through learning at home and in the family through a variety of channels, from online to radio and TV – multi-channel players, cartoons are a central part of its story telling approach.

Mtabe, Tanzania

Mtabe is an AI-powered platform providing personalized instant learning content and answers from a virtual tutor via SMS, using artificial intelligence to deliver this to students without internet access. As 70% of Africans have no internet access, this particularly impacts secondary school students in rural villages who also do not have access to textbooks (in Tanzania, the textbook-student ratio is 1:10 and teacher-student ratio is 1:55, with an average school having at least 1,500 students).

Electroneum to launch M1, an $80 cryptocurrency mining Android phone

Milcah Lukhanyu
-
0

UK-based Electroneum is set to launch M1, an $80 android device that empowers users to be paid in return for its use.

The device has incorporated the tech firm’s groundbreaking Cloud Mining technology which enables users to earn cryptocurrency simply through an app.

Styled in ‘Electroneum Blue’, the M1 has a 4G and dual-sim capabilities and is targeted at millions of users across the developing world. The new Electroneum app-based Cloud Mining system makes
Electroneum (ETN) accessible to anyone with a smartphone to allow users earn some ETN cryptocurrency directly from their devices. Only simple interactions are required to commence mining on the free app, and once completed, mining can continue offline.

The cryptocurrency can be used to pay for services such as mobile top ups (airtime and data), online services or shopping.

M1 has passed stringent GSMA approval and Google GMS certified qualifications.

According to Electroneum CEO and founder, Richard Ells, “With our experience in tech, we were able to gather a world-class team consisting of telecommunications, manufacturing, emerging area mobile-operators, product design and marketing specialists, all helping to make this utopian vision of ours a reality.

Without the broad range of talent and expertise, we could never have imagined the possibility of making a product of this calibre accessible for anyone in the world, and we are extremely proud of the result.

Electroneum’s M1 aims to further financial inclusion, as well as their string of world firsts achieved, including Instant Payments and KYC/AML compliance.

MultiChoice unveils MyDStv self-service app to reduce queues at the call-centres

Milcah Lukhanyu
-
0
MultiChoice unveils MyDStv self-service app to reduce queues at the call-centres


MultiChoice has unveiled an exciting, new mobile app called MyDStv that will put the power of self-service in customers’ hands!

MyDStv has been specifically-tailored to the Kenyan market to ensure minimal data consumption and ease of use and will be available for download in Kenya from 25 February 2019 via the iOS and Android app stores at no cost.

“In this ever-growing digital environment, it’s our mission to a stay ahead of the curve and continue to enrich our customers’ lives by putting them at the heart of everything we do. This app has been designed with the customer in mind to provide them with a simple and easy way for them to enjoy their video entertainment,” says Rajan Soobramoney, Head of Digital Enablement for Multichoice Africa. “The new app will form part of the numerous digital platforms that are innovative and functional to meet the ever-changing needs and demands of our valued customers.”

Once the app is downloaded, DStv customers – regardless of package – can logon using their customer details (Last Name OR Mobile Number PLUS their Smartcard Number) from wherever they may be. Once logged in, customers will be able to perform the following:

·         Manage and pay their DStv account and view their payment history

·         Manage Notifications Settings

·         Change their DStv Package

·         Update contact details.

·         Fix decoder errors

“By enabling customers to independently manage their accounts, we expect to see a reduction in queries and queues at the call-centres, thereby freeing up our customer-facing staff to provide improved one-on-one support to those customers who require it. Our goal is to provide an accessible, affordable and efficient platform for self-service to improve overall customer experience when engaging with DStv,” concludes Rajan

The functionality of the MyDStv app will continually be assessed and updated to adapt to digital technology advancements that will improve customer experience. All DStv customers on any package can download the app on iOS and Android at no cost from 25 February 2019.

DStv customers can also access the DStv Self-Service platform online by visitingselfservice.dstv.com.

Liquid Telecom Kenya’s IoT network enables 30,000 fish farmers to monitor ponds and increase production

Milcah Lukhanyu
-
0

Liquid Telecom Kenya, part of Liquid Telecom, has deployed an Internet of Things (IoT) network in Western Kenya and Nyanza to monitor and protect freshwater fish populations.

The company has connected ten pilot-phase sensors that monitor water temperature and pH values in ponds. The sensors send information and feeding instructions to farmers through an Android and iOS app called AquaRech, which has been developed by the Kisumu innovation technology hub LakeHub and developers Pinovate.

The partnership plans to equip 5,000 western Kenyan farmers with the sensors and app by the end of 2019. There are some 20,000 fish farmers in western Kenya with an average of 2 ponds each and around 2,400 fish per pond.

The programme will eventually be rolled out to 30,000 fish pond farmers countrywide helping to increase fish production, which fell by 17% in 2017, according to the Kenya National Bureau of Statistics.

 “This is one of a series of partnerships we are developing to increase the country’s food security as part of the government’s big four agenda,” said Sajid Ahmad Khan, Chief Operations Officer, Liquid Telecom East Africa.

Using IoT-connected sensors to calculate optimal feeding times was found to reduce fish deaths by 30-40% in a one-year study in Iran by information technology company Afarinesh Samaneh Mehr Engineering Co. (ASM).

“Farmers have been closing down ponds and setting aside fish production as they struggle to feed fish correctly due to changing temperatures and conditions,” said Dave Okech, who initiated the AquaRech project and partnership, as the founder of a local fish farming group RioFish. “Our sensors transmit data to the cloud, where it is processed before sending specific instructions to farmers on the timing and quantity for feeding.”

Liquid Telecom Kenya is continuing to roll-out its Sigfox IoT network across Kenya which is being used for a range of IoT applications. In December, the company partnered with Africa’s largest non-profit civic technology network Code for Africa (CfA) to install air quality sensors at 3,000 sites across Kenya, following warnings that air pollution is killing more than 20,000 Kenyans a year.

“AquaRech offers the hope of delivering thousands of tonnes a year in increased fish production, putting farmers back into a sector many have abandoned on the challenges of adapting feeds,” said Adil El-Youssefi, CEO of Liquid Telecom East Africa. “This partnership is a great example of how our networks and innovative IoT solutions are helping to transform industries and businesses across Kenya.”

OPPO is working on a 5G, 10 times lossless zoom camera phone

Milcah Lukhanyu
-
0
OPPO is working on a 5G, 10 times lossless zoom camera phone

Chinese smartphone maker OPPO is working on a 5G phone like the other big players in the smartphone market.

The firm has also announced plans for a new 10x lossless zoom feature for its next flagship camera smartphone which will be release in Kenya in the course of the year.

Debuting a world-first 10x lossless zoom technology and industry leading developments in 5G technology.

OPPO Vice President, Anyi Jiang said, “innovation is our top priority and we have made many recent developments to bring the future into consumer’s hands. We look forward to continuing with this commitment and bringing to market more advances particularly in 5G and photography.”

5G is the future of the smartphone industry, bringing with it endless possibilities for creativity, imagination and closer connectivity. Today, OPPO brought the 5G era closer with the announcement of its first 5G smartphone and the OPPO 5G Landing Project.

Cristiano Amon, President of Qualcomm Incorporated, endorsed OPPO’s commitment to 5G innovation, “Given their leadership in the 4G era, OPPO is well positioned to be a leader in the transition to 5G. We see tremendous opportunities to drive further innovation in the 5G era, and Qualcomm Technologies looks forward to working closely with OPPO to realize the true potential of 5G and support the launch of their first 5G smartphone powered by our flagship Qualcomm® Snapdragon™ 855 Mobile Platform with the X50 5G modem, integrated RF transceiver and RF Front-End solutions.

OPPO’s first 5G smartphone looks set to revolutionize consumers’ lives through 4K, 8K video download/upload/cloud-play, 3D video calling, 5G cloud gaming and multi-player AR/VR game, in-store navigation, AR shopping integrated, immersive, entertainment everywhere and more.

OPPO’st 10x lossless zoom technology is a new technology created with industry-leading camera specifications including a triple-lens camera structure consisting of a telephoto lens, ultra-wide-angle lens, and main camera. To provide further value to users, OPPO also introduced Optical Image Stabilization (OIS) on both the main camera and the telephoto lens to achieve higher, anti-shake accuracy that brings people closer to the world around them so that they never miss the unmissable.

Humanz wants to simplify influencer marketing for agencies, brands & influencers in SA

Milcah Lukhanyu
-
0

Social influencer marketing has become incredibly popular in the world with marketers working with agencies and brands to increase their awareness and engagement.

However, identifying micro-influencers – 80% of whom work independently, lack of audience-based planning, no clear ROMI, fraud among others deter firms and agencies from working with influencers on a daily.

Humanz, a deep search created in 2017 by five young men from Tel-Aviv, aims to provide marketers and agencies with influencer marketing solutions that have audience data accuracy and reporting capabilities of paid digital channels.

The end-to-end data-driven influencer marketing solution, relies on image recognition, natural language programming and complex algorithms to help marketing and agencies to better plan, manage and report on their influencer marketing campaigns.

According to Pierre Cassuto, CMO for Humanz globally and CEO African operations: “Most South African influencer campaigns have used celebrities or social stars, due to the difficulties and time-consuming nature of manually identifying, verifying, and working with smaller influencers. However, engagement rates are, on average, inversely proportional to audience size on both Instagram and Twitter. Smaller influencers are also considered more trust-worthy and hence more likely to ‘influence’.”

Haumanz technology replicates what a human eye and brain would. It looks at publicly available to data, images, text, emojis, etc… to make smart assumptions about the person behind a profile. Is this a middle-aged man? Does he have kids? Does he like to read and comment about finance, food and art? Humanz analyses over 1M profile per day in this way.

Unlike other solutions on the market, marketers are hence not limited to viewing influencers that are signed up with Humanz, but can review every single profile in their market based on publicly available data. Furthermore, Humanz analyses not only influencer profiles but every single follower as well, allowing marketers to review influencers based on their actual audience profile, rather than an assumed one. This also allows Humanz to easily detect bots, inactive and fraudulent accounts instantly, without relying on proxi data or value judgements.

The platform has been successfully piloted with a number of agencies, brands, and influencers in South Africa. The platform is promising to help agencies and brands an efficient way bring influencer marketing in-house at minimal costs.

The Best Currency Exchange Tips for Canadian Snowbirds

Milcah Lukhanyu
-
0
The Best Currency Exchange Tips for Canadian Snowbirds

Currency exchange is not cheap, especially for Canadian snowbirds that spend a significant amount of time in the United States of America or another country during winter. This is because the exchange rates are volatile, with no better or worse days.

It does not matter if you have a huge reserve of the USD, at some point you will need to exchange your Canadian dollars to USD. This way you get to transact in the local currency, be it to buy property, a vehicle or even to meet you daily living expenses.

For this reason, you will need to be well informed with some great ways of exchanging your CAD to USD without any losses.

Doing your currency exchange at home via your bank or online currency exchange Winnipeg, or in any other Canadian city can help you for a while. However, since you happen to migrate every year from Canada. You will need some tips on currency exchange, to avoid spending so much money on foreign currency conversion.

Here are currency exchange tips for Canadian snowbirds, escaping the harsh winter or looking to enjoy an extended summer trip in the USA or any other country.

  1. You can consider cross-border banking solutions

Some Canadian banks offer cross-border banking solutions, especially for Canadian snowbirds and travellers who spend a lot of time in the USA. However, the cost and type of service they offer tend to differ, but you can rest assured that there are varied forms of banking, credit cards, payment options as well as foreign exchange solutions.

The point is that cross-border banking solutions can be affordable and convenient, depending on the bank. However, do a comparison of your options and what you are getting from them as well as the fees involved. This is because you might find it cheaper and convenient to use different financial institutions for your banking services than rely in an all-in-one financial solution.

  1. Stay away from ATMs

ATMs are among the worst ways a Canadian snowbird can convert their money to the USD. This is because they have some of the worst exchange rates, with little exception. The additional fee involved here is also very big, making the whole transaction expensive.

Therefore, do not use an ATM to make your currency conversion in the USA, unless you have a USD debit card.

  1. For larger transactions, look for alternatives to banks

If you tend to make large purchase while wintering outside of Canada, like buying an estate, vehicle or just making frequent currency exchanges to live by. You are better off doing the exchange with currency conversion boutiques that offer large foreign exchange transactions.

This is because their focus is on larger transactions and they have a lower overhead, so their exchange rates are likely to be better than those offered by banks. This can end up saving you loads of money. Just do your research first, to see if the company you want to transact with is legit.

  1. Choose your credit cards with care

Using your Canadian credit card outside of Canada can be very expensive. This is because most of them have a foreign transaction fee, in addition to the currency exchange rate. This ends up adding some costs to your every purchase, done in another currency other than it, CAD.

The best option is to opt for the few credit card options available for Canadian snowbirds. These Canadian credit cards include the Canadian dollar no foreign transaction fee credit card and the US dollar credit cards also issued by Canadian banks. They will both prevent you from incurring the foreign transaction fee, making life a bit manageable outside Canada.

  1. Convenience matters

Convenience matters a lot to Canadian snowbirds, especially when they are spending a lot of time outside Canada and need to make currency conversions, every now and then.

Even though, it is essential to balance cost and convenience before doing a currency exchange. A convenient option with a slightly higher fee can sometimes end up saving you time, thus making your life easier outside of Canada. This is when compared to a lower cost option of foreign currency conversion.

Conclusion

In conclusion, if you are a Canadian snowbird, a bit of research on spending time outside Canada can be helpful, especially in matters related to financial transactions and currency conversions. Otherwise wintering outside of Canada can be relaxing and enjoyable.

What is the Best Crypto Portfolio Tracker?

Intizar Ali
-
0
What is the Best Crypto Portfolio Tracker?

There are different ways in which you can measure your business’s success. One way is to keep track of how much revenue you’re earning from the sale of products and services through your website. If you use a software program to help you do this, it is called a BestCrypto Tracker. This is one method that will provide you with information about the profitability and efficiency of your venture in a short period of time. You can also obtain this information in other ways, but if you have a system that is capable of providing you with easy to read data in a timely manner, you will want to keep using it.

Not all Best Crypto Tracker programs are created equal. Some are better than others, and some of them are downright scam. Do you want to deal with a scammer? How can you be sure you are getting the right kind of information from a source offering the best cryptosystems? Let me explain how you can avoid getting scammed.

First of all, you should never go directly to a source offering the Best Crypto Portfolio Tracker. This sounds too simple to be true, but it is actually incredibly easy to do best crypto portfolio tracker. You see, scam artists will usually offer you a free trial, make sure you enter your credit card information correctly, and then try and sell you their scam product. They usually have a list of people they claim to have helped. You may have heard of people who have been taken advantage of like this before.

The good news is that there is an alternative to these scammers. When looking for a good Cryptocurrency tracker, it is best to look for companies that have been in business for at least a year. This shows that the company has the experience you need to make it successful. Also look for information about the company on their website.

A quality Cryptocurrency tracking system will provide you with a lot of valuable information about the various currencies around the world. You will see the value in terms of price, supply, demand, exchange rates, and economic indicators. These will give you the opportunity to make well informed decisions regarding what your investing in. The information is updated regularly as well, so you will always have current information. You will be able to compare currencies and invest according to their performance.

You will want to find a system that is user friendly. Many are quite difficult to use and are not easy to navigate through the internet. Look for a company that has very informative and intuitive interface. There should be clear instructions and visual cues that show you which currency pairs to invest in. If you aren’t able to figure it out, the best option is probably going to be to hire someone to help you out.

Finally, the best trackers are going to give you access to a support forum or telephone number. There should always be contact information available for questions and queries. The best information is going to be provided by the company behind the product. If they have no support whatsoever, then you will have wasted your time.

This startup has raised $1m to bring the best talent to your company

Milcah Lukhanyu
-
0
This startup has raised $1m to bring the best talent to your company

Recruitment is going digital globally and firms that are not ready will be left behind as technology is becoming part and parcel of business processes whether in Africa or on any other continent.

Because of this digital revolution, Chams Diagne – Co-founder of Viadeo (2nd largest professional social network in the world in 2015), created Talent2Africa in Dakar, Senegal in October 2015.

In June 2016, Talent2Africa was launched at the Expat Forum in Paris. I January 2017, Youssef Debbagh, founder of the MENA affiliate marketing platform and expert in digital marketing, joined as co-founder.

Followed by Benoit Martin, founder of Forum Expat and Director of Business Units. African business at the World, which also joined as a co-founder. To reinforce the digital aspect of Talent2Africa and its technical team, Aziz Diagne joined as CTO in August 2017.

The international dimension of Talent2Africa has also materialized by the opening of offices in Abidjan and Paris since the last quarter of 2017. In November 2017, Talent2Africa was selected by the American tech magazine, Techcrunch,

Now based in Mauritius since January 2018, Talent2Africa continues to expand on the continent with the opening of an office in Nairobi, in February 2018, in partnership with the French Chamber of Commerce in Kenya.

Recently, the firm raised $1m after being convinced that the growth of the African continent depends on the success of the private sector and access to strategic positions of the best talents within companies; the founders create the first network of executive candidates interested in career opportunities in Africa.

Based on a digital platform – the first pan-African employment platform for executives and managers – the company also integrates into its activities a broad event and a service offer by accompanying both recruiters and executive candidates.

1...586587588...873Page 587 of 873

Editor Picks

Popular Posts

Popular Category

ABOUT US

TechMoran is a top independent media for startup founders, tech geeks and investors . With teams spread across the world, we provide you with the latest accurate and verifiable breaking news, views and reviews and latest indepth business insights on world's burgeoning tech and finance ecosystem. N/B: We are not an online shop. Do not sell cars, engines, smartphones or any hardware or software.

Contact us: sales@techmoran.com

TechMoran

© TechMoran 2026. With Love Since 2012.