Interesting piece Ben — shifts as expediency or rooted in deeper changes already underway?

Ownership of app development certainly to be picked up on as we see hotspots of innovators and enterprising people working on ‘indigenousing’ apps — the bodaboda business being a critical one where we in Kenya are chasing Rwanda’s approaches.

Education? How far is this permeating down to the rank and file? Here you and I have a sanitised view of things happening, first and second uptake of (mainly) globally franchised applications.

Electronic money and the implications of how this will impact all business is there. Just submitting a paper to the ISBC where we lead the way on this type of thinking.

Interesting times indeed, thank you for prompting further thinking and the type of dialogue required to sponsor some positives now.