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Our Staff Writers and Editors offer insights on the latest news, events, interviews and other happenings from the development through enterprise and base of the pyramid universes

57 Articles

Financial Access for the BoP: Recent Advances and Business Models

In "The Next 4 Billion: Market Size and Business Strategy at the Base of the Pyramid," the authors analyzed several markets. However, only one market - financial services - was not estimated in terms of exact size and scope. Financial services can be a fiendishly hard thing to...

BCG publication: Top Companies from Emerging Markets

Julia Tran mentioned in a previous post some Boston Consulting Group (BCG) publications related with the “Next Billion”. Two more studies were published in November –“Decoding Next Billion Consumers” and “A Road Map to expanding Financial Inclusion in India” (this second one looks...

New Finance Development Magazine: Upsides

Last week, while checking out some regular blogs, I bumped into a short note about a magazine called "Upsides" in the CGAP Blog. Upsides is an FMO (the Netherlands Finance Development Company) initiative, supported by other likeminded financial institutions such as Standard Bank,...

The Codensa Case: Electricity and Related Services for the BOP in Colombia

Codensa is a very successful utility company that serves 2.2 million customers in Colombia. It is controlled by Endesa, the largest electric utility company in Spain, which in 1997 took control of Codensa and Emgesa (this second company accounts for 21% of the generated electric capacity in...

The Tradeoff Between Growth and Innovation Part 2

This post is the continuation of my previous one last Monday. Just as it was posted, Robert Katz sent me an email with the following question:"That BOP firms, to be competitive, don't have to be innovative in the same way that Western firms do makes sense. But what about Western firms...

The Tradeoff Between Growth and Innovation at the BOP

Businesspeople tend to prefer predictable business environments to work in. However, in developing countries, business environments tend to be more unstable than in Western markets because of various unpredictable social, economic and political changes. Since business plans depend on...

The Business Model of Hope and Dreams

It is often the case that business models touch but rarely elaborate on the aspirational value of many products offered for the first time at the BOP level and the subconscious consequences they have on BOP consumers. I recently read, with a touch of sadness, a short article published in the...