Case Study 9: M-Pesa: A Renowned Disruptive Innovation from Kenya

Author(s):  
Isaac K. Ngugi ◽  
Lilian W. Komo
Author(s):  
Lori Stahlbrand

This paper traces the partnership between the University of Toronto and the non-profit Local Food Plus (LFP) to bring local sustainable food to its St. George campus. At its launch, the partnership represented the largest purchase of local sustainable food at a Canadian university, as well as LFP’s first foray into supporting institutional procurement of local sustainable food. LFP was founded in 2005 with a vision to foster sustainable local food economies. To this end, LFP developed a certification system and a marketing program that matched certified farmers and processors to buyers. LFP emphasized large-scale purchases by public institutions. Using information from in-depth semi-structured key informant interviews, this paper argues that the LFP project was a disruptive innovation that posed a challenge to many dimensions of the established food system. The LFP case study reveals structural obstacles to operationalizing a local and sustainable food system. These include a lack of mid-sized infrastructure serving local farmers, the domination of a rebate system of purchasing controlled by an oligopolistic foodservice sector, and embedded government support of export agriculture. This case study is an example of praxis, as the author was the founder of LFP, as well as an academic researcher and analyst.


Web Services ◽  
2019 ◽  
pp. 1301-1329
Author(s):  
Suren Behari ◽  
Aileen Cater-Steel ◽  
Jeffrey Soar

The chapter discusses how Financial Services organizations can take advantage of Big Data analysis for disruptive innovation through examination of a case study in the financial services industry. Popular tools for Big Data Analysis are discussed and the challenges of big data are explored as well as how these challenges can be met. The work of Hayes-Roth in Valued Information at the Right Time (VIRT) and how it applies to the case study is examined. Boyd's model of Observe, Orient, Decide, and Act (OODA) is explained in relation to disruptive innovation in financial services. Future trends in big data analysis in the financial services domain are explored.


Author(s):  
Josphat Njuguna Omanga ◽  
Johannes Kabderian Dreyer

This chapter analyzes the role of financial innovation and mobile phone technologies to financial inclusion in Kenya. In order to do so, a case study on M-PESA is conducted, the leading mobile service of money transfers in Africa, which is offered by Safaricom. M-PESA services are cheap and easy to use in comparison to other formal and informal providers of financial services. It solves two different problems in Kenya: customers do not have to travel anymore long distances to reach financial services and more people can afford them. As result and in line with the literature, this chapter suggests that M-PESA services can be considered a type of disruptive innovation that promotes financial inclusion and wealth growth in Kenya.


2015 ◽  
Vol 4 (3) ◽  
Author(s):  
Klaus Solberg Søilen

JISIB continues to publish Case Studies. In addition we also publish in this issue Patents Analyses. Patent analyses can be read both as examples of how to perform such analyses, but may also find interest within specific industries. Professor Henri Dou, who is a founding father of this journal, was one of the pioneers in this area, also with the development of patent analyses software. We have also included a conceptual and theoretical paper. All of the contributions in this issue show that scientific work does not have to be limited to more narrowly defined empirical studies.The second paper by Salavdor et al. is dedicated to Associate Professor Jonas Rundquist, a colleague at Halmstad University and at the same time a great admirer of the Spanish speaking Americas, who passed away in December 2014. He will be greatly missed.The first article by Salvador and Léon is a patent analysis of the industry for hybrid vehicules. The paper shows that the company with the highest patent activity also has a strong focus on collaborative technology development. The analysis further shows that research on parallel hybrid vehicle predominate, followed by series-hybrid and series-parallel hybrid type. The findings support the strategic decision process for organizations, companies, institutes and other stakeholders involved in this sector. The analysis and procedure presented can be used for analyses in other industries.The second paper by Salador et al. is also a patent analysis, but this time for the Additive Manufacturing industry. Unlike the first paper this one identifies a number of trends through a keyword patent analysis. “The main areas of research are focused on shaping of plastics and after-treatment of shaped products and working metallic powder and manufacture articles from this material”. The leading countries on additive manufacturing research are United States, Great Britain and Switzerland.The third article by Vriens and Solberg Søilen is an attempt to show the implication of disruptive innovation on Intelligence Studies. It is a theoretical paper. Through a broad discussion of disruptive innovation theory the authors arrive at what they coin”Disruptive Intelligence”. In addition they describe ‘biases’ which may impair the production of ‘disruptive intelligence’.The Fourth article is a case study written by Calof. It is about how the National Research Council’s Technical Intelligence Unit work with intelligence. The study shows that intelligence users understood and could appreciate a combination of hard and soft intelligence type measures. A survey in the form of an intelligence evaluation instrument was developed to gather data for the paper.The last article by Avner is a case study about CI in the Israeli defense industry. It confirms previous assumption that the industry in general and especially in Israel is using CI intensively to support the decision making process.As always we would first of all like to thank the authors for their contributions to this issue of JISIB.On behalf of the Editorial Board,Sincerely Yours,Prof. Dr. Klaus Solberg SøilenEditor-in-chief


Author(s):  
Suren Behari ◽  
Aileen Cater-Steel ◽  
Jeffrey Soar

The chapter discusses how Financial Services organizations can take advantage of Big Data analysis for disruptive innovation through examination of a case study in the financial services industry. Popular tools for Big Data Analysis are discussed and the challenges of big data are explored as well as how these challenges can be met. The work of Hayes-Roth in Valued Information at the Right Time (VIRT) and how it applies to the case study is examined. Boyd's model of Observe, Orient, Decide, and Act (OODA) is explained in relation to disruptive innovation in financial services. Future trends in big data analysis in the financial services domain are explored.


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