Category Archives: SME solutions

Idea Exchange: Startup Roundup

Recent and upcoming startup events around Africa

AVCA Nairobi: The African Private Equity and Venture Capital Association (AVCA) cordially invites you to an informal evening of networking over cocktails on Wednesday, 22nd November 2017 5:30 – 9:00 pm Sarabi Pool & Supper Club Sankara Nairobi. AVCA Members and Qualified LPs: FREE, Non-AVCA Members: £25

ABLAA Africa: 7th All Africa Business Leader Awards will feature winners from West, Southern and East Africa at the AABLA Finale on November 30th in Sandton, which will be broadcast on CNBC Africa on December 7th. West Africa will be represented by Alloysius Attah, Co-Founder and CEO of Farmerline (Young Business Leader of the Year), Oluwatoyin Sanni, Group CEO of United Capital Group (Business Woman of the Year), Mustapha Njie, CEO of TAF Africa Homes (Entrepreneur of the Year), Guaranty Trust Bank (Company of the Year) and Herbert Wigwe, CEO of Access Bank (Business Leader of the Year).

Startups that use drones are welcomed.

The Airbus BizLab initiative in Africa, launched in August this year, targeted African startups innovating for future applications in the aerospace business. Startups that use Unmanned Aerial vehicles (UAVs), satellite Operations and Imagery, 3D Printing, Smart sensors, Internet of Things (IOT), smart energy and Artificial Intelligence (AI) were encouraged to apply. There were 11 finalists who were shortlisted included Aerobot Technologies – Kenya, ESIPPS International – Uganda, Kuunda Three Dee – Kenya, Maisha – Ethiopia, QTRON Industries – Kenya, Swahili Box – Kenya, Savannah Circuit Technologies – Kenya, Startup Lions – Kenya, Track Your Build – Sierra Leone, UAV Kenya – Kenya and the overall winner of the Airbus Bizlab  was lluminum, an Agri-tech startup that uses connected sensor technology with its solar panels to automate and enable remote control of greenhouses. Illuminum greenhouses will get a 10-day trip to Europe to meet with Airbus experts as well as present to Airbus Executives and investors.

I Love Black People Tour & Pitching Competition: Blockchain startup BitMari has teamed up with the National Society of Black Engineers to bring you a unique opportunity to tackle financial challenges across the global African Diaspora and has been inviting undergraduate students, graduate student, and professionals across all fields, including developers, designers, product developers, and entrepreneurs, plus businesses that want to embrace the idea of social innovation or initiatives that combine a positive mission with business. Students can now enter the pitch competition and win up to $5,000 for sending a youtube link with a 60 seconds pitch on an idea that uses Bitcoin technology which will qualify them for a hackathon at the end of November.

Innovate Ventures, the leading Somali tech and business startup accelerator launched in partnership with VC4A, Telesom the Work in Progress! Alliance, had their second cohort of 10 startups from Somaliland and Somalia graduate from their programme. This year’s accelerator saw over 400 applications received and the seed investment given doubled from $15,000 last year to $30,000. First place went to Bilan Baby, a startup that sells baby furniture, accessories and baby clothing as well as maternity products. Bilan Baby received $7,000 in seed investment. Second place went to SAMS, an agritech marketplace for farmers and buyers and Almijet, a digital printing company who received $5,000 each. Finally, Brandkii, an online marketing and advertising startup, received $3,000. Further investment was provided to Muraadso, an e-commerce startup and last year’s winners; they received $10,000.

Kenya Bankers Catalyst Award nominees include Barclays, Commercial Bank of Africa, Cooperative Bank, Diamond Trust, Equity, KCB, Kenya Women’s Finance Trust, Lendable /Levanter, National Bank, NIC, Prime, Safaricom, Standard Chartered, and Stanbic among others.

MasterCard Foundation sponsored ‘Client at the Centre’ Prize which highlights best practices in financial services where client satisfaction is a priority. Jumo, a South African based company beat close to 100 financial services firms to win the$150,000 prize in recognition of its innovative and impactful low-cost financial services that serves poor people. The winner was picked by a 400-person audience during the ongoing Mastercard Foundation’s Symposium on Financial Inclusion  2017 Symposium on Financial Inclusion in Accra, Ghana. The other two Prize finalists were ftcash, one of India’s fastest-growing financial technology ventures which aims to empower micro-merchants and small businesses with the power of digital payments and loans, and Destacame, a free online platform in Latin America that empowers users by giving them control over their data to build their financial capabilities and to access financial products.

Orange  announced the winners of the 7th Orange Social Entrepreneur Prize 2017 in Africa and the Middle East. 49 local winners who were drawn from Orange’s 17 subsidiaries in Africa and the Middle East were entered into the international contest. The winning projects this year were: 1st prize was awarded to Manzer Partazer in Madagascar, a startup that aims to reduce food waste by sharing excess food from restaurants, hotels or supermarkets.  2nd prize was awarded to City Taps which has developed a solution which bridges the gap between water services and the most disadvantaged citizens.  3rd prize was awarded to eFret.tn in Tunisia a website that links up foreign exchange senders with transport and transit professionals in Tunisia .Also a Special Content Prize was awarded to Génie Edu in Cameroon, an e-learning platform which aims to help students having problems by providing online video courses and Internet users were also invited to choose their “User Favourite” project and this was the Malagasy project Majika that facilitates access to renewable electricity and support for rural entrepreneurship.

Reuters Journalism Training Programme (Middle East & Africa): The Reuters Journalism Programme is an opportunity for recent graduates, early career reporters, or professionals with proven experience who are looking to switch careers into journalism. The programme in 2018 will consist of 6 months of formal and on-the-job journalism training, initially in our London newsroom, followed by one of our other main reporting newsrooms or bureaus in the Middle East or Africa.

 

USAID: Enterprises within the Kenya Innovation Engine (KIE), a USAID-funded program Feed the Future initiative have leveraged $8.2 million worth of private sector investment, and created more than 6,000 jobs at the business and farm level. In the course of implementation, in order to ensure sustainability, KIE-supported enterprises formed 56 strategic public-private partnerships with progressive local and international organizations such as Safaricom, Equity Bank, Microsoft Corporation and VISA. Over 670 innovation applications received in four solicitation waves and over $4.2M invested in a total of 26 awards made to date. Project awardees: Stage I (proof-of-concept): M-Farm; Quest Agriculture; The Real IPM Company; University of Nairobi; Virtual City; Kenya Medical Research Institute (KEMRI); Maseno University; Caytree Partners; and Kenya Network for Dissemination of Agricultural Technologies (KENDAT). Graduated to Stage II (pilot-roll-out): Arid Lands Information Network (ALIN), Kenya Livestock Marketing Council (KLMC), iProcure, Amtech Technologies; Wanda Organic; and Kenya Biologics. Direct entrants at Stage II (pilot-roll-out): Lachlan ; Indicus Kenya.; Value Farms and Takaful Insurance.

Village Capital is launching the Fintech Africa 2018 program in collaboration with PayPal. The U.S. headquartered VC firm is recruiting a cohort of 12-14 early-stage fintech startups to go through a three-month investment-readiness program, early next year. They are recruiting from Ghana, Kenya, Nigeria, Rwanda, South Africa, Tanzania, and Uganda and are looking for startups that address insurtech, pensions and savings, cooperative finance, and financial literacy; leverage data for credit scoring and consumer insights; and apply fintech to other sectors of interest: agriculture, energy, education, and health. Two startups will be peer selected by fellow entrepreneurs to receive $50,000 investment each. The deadline for applications is November 24.

XL Africa: Twenty of the most promising African digital start-ups will take part in the XL Africa  residency, the flagship initiative of the business accelerator launched last April by the World Bank Group’s infoDev program. The residency will conclude with the XL Africa Venture Showcase, a regional event organized in association with the African Angel Investor Summit.  With support from African investment groups, XL Africa will help the startups attract early stage capital between $250,000 and $1.5 million. Selected from a pool of over 900 applicants, the startups participating in the event are: Aerobotics (Data, South Africa), Asoko Insight (Data), Coin Afrique (Marketplace, Senegal and Benin), Edgepoint Digital (Jamii) (FinTech – Insurance, Tanzania) , Electronic Settlement (FinTech, Nigeria), Lynk Jobs (HR, Kenya), MAX (Transport, Nigeria), ogaVenue (Venue Platform, Nigeria), Ongair (SME Services, Kenya), Pesabazaar.com (FinTech, Kenya), Prepclass (EdTech, Nigeria), Printivo (Printing, Nigeria), Rasello Company (SME Services, Tanzania), Rensource (Energy, Nigeria), Sendy (Delivery, Kenya), Snapplify (Publishing, South Africa and Kenya), Sokowatch (Delivery, Kenya), TalentBase (HR, Nigeria), Timbuktu (Travel, South Africa), and Tizeti Network (Connectivity, Nigeria)
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Agency Banking in Kenya in 2017

Agency banking which has been around for seven years, is going to see a transformation of branch banking as banks roll out more products to alternative delivery channels.

Agency banking outlets extend banking services in Kenya.

According to Central Bank of Kenya statistics on the distribution of agents, 87% are with 3 banks – Equity Bank with 25,428 agents, Kenya Commercial Bank  with 12,883 and Cooperative Bank with 8,856 agents. Bank customers in Kenya transacted Kshs 734 billion in 2016, up from 442 billion in 2015).
Agents are big and deliver dozens of services that including SACCO transactions, payment of school fees, NHIF, KRA and utility bills – which bank customers can now do from their neighborhoods and which are accessible for longer hours than bank branches. While cash deposits and cash withdrawal are the bulk of the transactions, agents also processed Kshs 14 billion for payments of retirement and social benefits, and another Kshs 6 billion to utilities
Crucially, agents are the link between cash and the mobile banking/online banking worlds.

Last year Co-op reported that their branches did 15% of bank transactions with the rest being done on alternative channels, and yesterday Equity Bank disclosed that, this year, non-branch transactions are  91% of all monetary transactions – which are now happening on self-service and third-party platforms at variable costs – compared to the fixed costs of branches.

Equity is rolling out agency banking in Uganda, and the Central Bank of Kenya has had knowledge exchange partnerships with teams from Tanzania and Malayisa who were studying agency banking in Kenya. Equity CEO James Mwangi also said that Equity Bank agents share between Kshs 3-5 million in commissions every day as he pondered that the bank did not need new staff and could give probably back 70% of the physical space they currently have.  Their next step will be to digitize corporate banking to enable services to be done on alternative channels, the way retail banking has been done.
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Future of Financial Services in Africa and the Middle East

Technology will continue to offer great opportunities for millions of unbanked people including groups of women, Muslims and governments in Africa, Middle East and South Asia (MEASA) and new companies who design financial services in these space.

These are the findings from a report by the Economist Intelligence Unit that was sponsored by the Dubai International Finance Centre which highlights that:

  • Findings Gaps in financial services present an opportunity for financial companies—both traditional and non- traditional players.
  • Overcoming a strong preference for cash in the MEASA region will be imperative to move towards a cashless economy
  • Blockchain has the potential to change the financial architecture in MEASA, particularly for banking.
  • New business models are being developed to reach the “missing middle” of retail investors and medium-sized businesses.
  • In Islamic finance, the approach is shifting from “sharia-compliant” to “sharia-based”
  • Governments and regulators have a crucial mandate to drive financial innovation.

It notes that there is a prevalence to use cash in the three continents (to receive wages, pay school fees and for utilities etc.) and that current regulations which require the use of ID cards are a barrier for women who need ID cards and other documents to receive these services.

The 3 billion people on the three continents will be a source of demand and supply for better financial services, and governments have a role, regulators should balance prudence with innovation, and financial service providers should collaborate for everyone to benefit.

There are opportunities for wealth and private equity funds and individuals (through crowd-funding) to support the growth of new players to take on financial sectors such as insurance, whose levels of penetration can be increased through the mobile phone as has been seen for banking and Islamic financing, by promoting sharia-based products, more than ‘sharia-compliant’ ones. Technology has the ability to address financial exclusion and scale services to millions while reducing costs and creating new revenue models; this can be through smart data to improve credit scoring models and the use of bitcoin to replace money transfers (with banks and currency conversions to international dollars).
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Startup Battlefield Africa by Techcrunch and Facebook

The Techcrunch Startup Battlefield Africa, supported by Facebook, was won by Lori, a logistics platform being developed to simplify the movement of cargo in Kenya.

At the TechCrunch event in Nairobi, 15 startup companies pitched and demonstrated their concepts in between chat sessions on the unique business climate of Africa that featured other seasoned entrepreneurs, advisors, and funders, with moderation by Facebook and TechCrunch staff.

The competing companies were drawn from sectors like finance (WeCashUp, Abacus), data collection (Form+, Delivery Science), logistics (Lori Systems), sales (Sellio,  SynCommerce), entertainment (Big5 Games, Tango TV, Gazkar from Lomay), health – ConnectMed,  education (M-Shule, Dot Learn), recruitment – Talent2Africa and agri-business – AgroCenta.

Lori won the day and walked away with $25,000 and an all-expense-paid trip for two to compete in  TechCrunch’s flagship event: Disrupt SF 2018

Winners will join TechCrunch’s Startup Battlefield Alumni Network. Alumni have collectively raised nearly $7 billion and produced nearly 100 exits and IPOs to date.

Some excerpts from the day:

  • Brands are creating collections and Michele, Beyonce, Rihanna are wearing African brands – that’s opportunity @KISUAonline #TCBattlefield
  • Most lucrative buyers for @agrocenta are big companies such as breweries, animal feed, soya oil #TCBattlefield
  • Logistics is a $500B market for innovations that eliminate middle-men and make food supply and demand efficient – @agrocenta #TCBattlefield
  • 80% of farmers don’t have access to direct markets and logistic inefficiencies lead for 25% of food being wasted – @agrocenta #TCBattlefield
  • Black Africans in tech are not getting a lot of the money coming into tech – @africatechie #TCBattlefield
  • I’m in Silicon Valley; I may be on a board, but I’m not at the birthday party or talks for the next round – @africatechie #TCBattlefield
  • @big5games builds localized data-optimized easy-to-play games on sports, farming, stocks with partners like Kwese & telcos – #TCBattlefield
  • If you arrange for 20 cargo trucks between Nakuru to Eldoret, 15 will commit, 5 agree on price, but 2 will show up – Lori #TCBattlefield
  • A typical lorry takes 3 days to load its cargo, to make a 12-hour journey, then another 3 days to unload – Lori #TCBattlefield
  • Products cost more in Kenya as the logistics chain is broken; trucks are empty or idle 93% of the time – Lori #TCBattlefield
  • Today @AbacusKe launches Kenya’s first automated investment service – using algorithms to personalize advice – @TheMacharia #TCBattlefield
  • @AbacusKe aims to be Africa’s e-trade; local & foreign investors can make stock debt property & unlisted buys – @TheMacharia #TCBattlefield
  • @wecashup does 1M transactions per month of ~10 euros and partners with banks so they don’t need a license for every country #TCBattlefield
  • @wecashup 2.0 integrates payments whether cash, mobile money, cards, crypto-currencies in 42 countries, and own 6 patents #TCBattlefield
  • You can build a $50M business serving a Lagos neighbourhood; but there’s a daily swing between risk & uncertainity – @EghosaO #TCBattlefield
  • Local investors say – don’t tell me about 10-yr plans when I can bring a container from China and make more money – @EghosaO #TCBattlefield
  • Africa is about iceberg micro-economies; see below the surface – biggest opportunity is organising offline markets – @EghosaO #TCBattlefield
  • Saying Nigeria has 180m people or Africa has 1.2 billion brings wow – but you should think at city levels – @EghosaO #TCBattlefield
  • Our challenges include raising capital and dealing with regulators & muscled players (non-market forces) – @oviosu #TCBattlefield
  • Nigeria is the biggest market in Africa. River State is bigger than most African countries – @oviosu #TCBattlefield

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Nairobi Supermarkets & Mall Moments

It has been an interesting few days in the Nairobi mall and supermarkets space.

It started off with a notice on social media from the Junction, a 26,000 square meter mall stating that Nakumatt had surrendered their space at the mall. Nakumatt was the anchor tenant of the mall which opened in 2004 and now has  115 stores.

But Nakumatt which has been having cash flow and supplier payment issues, and which have all resulted in  most common everyday products like fresh foods and supplies missing from their store shelves, then put out a statement alluding to ongoing talks with the Junction mall and their suppliers with advanced plans to restock their shelves.

Later on the same day Nakumatt got a court injunction temporarily stopping their removal from the Junction and issued another more formal statement about how the Junction management had tricked them and illegally took over their space after they had paid Kshs 20 million, hurting their image in the mind of employees, suppliers, and customers.

Knight Frank who manage the Junction also issued a statement acknowledging the court order, which they would follow, but stating that Nakumatt had signed a surrender on 15th September and then failed in its payment obligations and had not documented a commitment to restock the shelves by the surrender date.

Tuesday also saw an announcement by Majid Al Futtaim that they would be opening their third Carrefour store in Kenya at TRM (Thika Road Mall),  a 28,000 square meter mall on Thika Highway. The space had been surrendered by Nakumatt just two weeks before that. Carrefour operates stores at the Hub in Karen and Two River malls.

The release also contained some interesting stats on suppliers and employment:

– We are looking to stock over 30,000 items at the hypermarket, including fresh produce, groceries, a fresh bakery, and a butchery
– (We) work with over 640 suppliers, local manufacturers, producers, and farmers, which contribute to the overall economic growth in Kenya both directly and indirectly. Only one of the suppliers is foreign.
– The opening of the new branch at TRM will boost the staff employment count at Carrefour in Kenya to 800, with 600 already working at the other two branches located at The Hub in Karen and the Two Rivers Mall.

There has been quite a bit of clamour by customers of Carrefour, which was becoming quite crowded at Karen on month end, to expand.

An equity deal to rescue Nakumatt deal seems to have floundered, and a new announcement about ongoing discussions for a management partnership arrangement  between Nakumatt and a rival supermarket chain Tuskys have not inspired the confidence of supplier and financiers of Nakumatt.

Other believed beneficiaries of Nakumatt surrendering any more stores are expected to be Naivas and Khetia. This week also saw Naivas launched Naivas Pay in partnership with Interswitch. The launch was a Ciata Mall, at their store in a space Naivas took over after it had been previously booked by the management of Uchumi.

Uchumi itself is in the process of concluding a deal to raise Kshs 3.5 billion from a  private equity investor.

Another interesting concept in the supermarket space, is Seven 2 Seven, a franchise of mini market stores that only stock fast-moving consumer goods (FMCG) and serve as agents of some banks. They are on track to have 100 stores in Machakos, Kajiado, Nairobi, Kiambu, Muranga, Nyeri, Embu, Kirinyaga, Meru and Nakuru counties by year-end.

EDIT November 30 Majid Al Futtaim announced plans to open its fourth Carrefour hypermarket in Kenya, after taking up the anchor tenancy at the Junction Mall on Ngong Road. The new hypermarket will be opened in January 2018. 
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