Articles by Manuel Bueno
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Friday
February 22
2008Financial Access for the BoP: Expanding Inclusion in India
Which banking models could be used to enable access to the BoP? A recent BCG publication, entitled “A Roadmap for Expanding Financial Inclusion in India,” tries to answer just that question for the Indian market.India has the second highest number of financially excluded households...
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Tuesday
February 19
2008Financial 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...
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Friday
December 21
2007BCG 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...
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Monday
December 17
2007New 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,...
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Friday
December 7
2007The 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...
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Monday
December 3
2007The 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...
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Monday
November 26
2007The 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...
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Friday
November 16
2007The 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...
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