Using the Base of the Pyramid Strategy as Lens for Cross-Sector Collaboration in Financial Inclusion: Case of E-Masary for Mobile Financial Services

Proceedings of the 8th International Conference of Critical Management Studies, 2013

33 Pages Posted: 6 Aug 2013

See all articles by Mostafa Mohamad

Mostafa Mohamad

Manchester Business School

Trevor A. Wood-Harper

The University of Manchester - Manchester Business School

Date Written: July 12, 2013

Abstract

Mobile Financial service is one of the cutting edge movements to bank the unbanked by integrating donor and enterprise market approaches for financial inclusion. In this paper, we address how to integrate Donors-Led Value Chain and Enterprises-Led Value Chain to get a sustainable impact on the unbanked micro-entrepreneurs. However, each has advantages and disadvantages as they go along the stages of design, implementation, and sustainability. Using the BoP perspective, we argue that the Bottom of the Pyramid Value Chain mixes up the relatively high start up capabilities of Donor-Led Value Chain with the relatively wider impact of Enterprise-Led Value Chain. Further, it enables both donors and enterprises to develop a reconciled balanced scorecard to collect relevant and up-to-date information about economic returns, social benefits and local impact. Such integration guarantees flexible long term investments and help innovating new services.

Keywords: Stakeholder Capitalism, Base of the Pyramid, Value Chain, Financial Inclusion, and Mobile Money Services

Suggested Citation

Mohamad, Mostafa and Wood-Harper, Trevor A., Using the Base of the Pyramid Strategy as Lens for Cross-Sector Collaboration in Financial Inclusion: Case of E-Masary for Mobile Financial Services (July 12, 2013). Proceedings of the 8th International Conference of Critical Management Studies, 2013, Available at SSRN: https://ssrn.com/abstract=2305209

Mostafa Mohamad (Contact Author)

Manchester Business School ( email )

Booth Street West
Manchester, M15 6PB
United Kingdom

Trevor A. Wood-Harper

The University of Manchester - Manchester Business School ( email )

Booth Street West
Manchester, M15 6PB
United Kingdom

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