Posts by: Ben

How do payment companies innovate? Should incumbents and oligopolists be concerned about upstarts? Do online payment companies work with or against existing banks and network operators? Should bank industry alliances scare web companies, telecoms and payment networks?

The answers to these questions depend on a clear understanding of how payment companies can innovate. I argue […]


Thanks to Larissa Faw of Forbes for her coverage of our little payments experiment. Faw covers Milliennial women workplace trends, with a focus on entrepreneurs, finance and innovation. We at CEME are grateful for the interest in our experiential learning module.

These experiments also found that Millennials aren’t overly concerned about their privacy […]


Ravi’s inexplicable good fortune won him the $100 prize from MasterCard, and Brooke took the dinner prize for best blog entry. Congratulations from Kim, Ben, and the Center for Emerging Market Enterprises!

Thank you to all who participated, and stay tuned for future research on the cost of cash.


by Min Lin
When I first discovered I would have to go cardless for a week, I thought, “I have to call mom, she’ll know what to do.” Except for some change in my wallet, I never carry cash. My mother, on the other hand, rarely uses her credit card and is wary of online […]


School’s out!!

On April 6, 2012 By

The April 6, 10:00am deadline is past! Welcome back to your integrated wallets.

Blogging continues…. stay tuned for details on the blogging deadline, prize announcements and more.

Thank you very much for participating in our Smackdown!


Tolls got me.

On March 31, 2012 By

 I picked my wife up from the airport, and I’m so used to zipping through the electronic tolls, I did it without even thinking. It was premeditated. I decided I would just ‘fess up here and say, –Yes it’s a wonderful thing that I can drive straight through toll booths without stopping, waiting, or scrounging […]


Seigniorage ain’t manna.

On March 31, 2012 By

WaPo editorialized, on the dollar-bill-versus-dollar-coin debate, that “objectively, facts favor the coin.” This is a surprisingly narrow view of the issue of what form our money ought to take. There are better questions to ask about money than whether to print it on paper or mint it from metal.

Business interests too small to […]


Game on.

On March 30, 2012 By

The smackdown begins at 4:00pm EDT, today. It lasts until 10:00am on April 6. Enjoy the experience, keep track of what happens to you, and share your thoughts (and photos) with us.

Check out the rules page and blogging page.


Groups posted

On March 29, 2012 By

Open season for swaps!

Here are the groups for the contest tomorrow. O no! Cruel fate! Did you get the wrong group? Read on.


Congratulations, Nick!

On March 28, 2012 By

Nick Sullivan’s new book is out! Go get yourself a copy of Money, Real Quick: The Story of M-PESA (Guardian Books, 2012).

Summary at CEME. (Amazon link)