Toru Mino
By Toru Mino
Blog
Faster Horses or Better Insights?
Customers often can’t or won’t tell you what they want, so you must work to dig down to what they really need. Valuable services not only meet a deeply-felt need, they tackle a poorly met need.Blog
The Case for Product Innovation in Branchless Banking
CGAP counted 22 branchless banking services with more than 1 million registered users; we also counted more than 70 others which have not reached that threshold (as of Q1 2011). That’s about a 1 in 4 “hit rate”.Blog
Can Mobile Money Be “Free”?
CGAP wants the financially excluded to get access to mobile financial services. To suggest that MNOs make mobile money “free” may then come across as self-serving. On the contrary, making money in mobile money and making it “free” are compatible.Blog
Drivers of Mobile Money Profitability
This post is the second in the series on “Five Business Case Insights on Mobile Money.” In the first post, we shared with you a detailed presentation on the five insights. Here we explain further the first three insights.Blog