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Analysis

Competition for buy now, pay later in emerging markets
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Building on the momentum seen in the e-commerce space during the Covid-19 pandemic, the “buy now, pay later” (BNPL) model is one of the fastest-growing segments in consumer finance, particularly in emerging markets. BNPL providers offer point-of-sale loans that consumers can repay in instalments over the course of weeks or even months. Charging little to no interest, these microcredit providers…

Analysis

Global efforts ongoing to counter rise in cyberthreats
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Russia’s invasion of Ukraine in February 2022 caused disruptions across the global economy, from food to energy, and prompted an increase in the number and sophistication of cyberattacks – exacerbating a similar impact from the Covid-19 pandemic. According to a poll of over 800 chief audit executives conducted by the UK-based Chartered Institute of Internal Auditors, 77% of respondents thought…

Analysis

Carbon-neutral building and innovation in emerging markets
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As the construction industry redefines its priorities to ensure sustainability, there is increasing recognition of the benefits of regenerative architecture as a means of lowering emissions. According to the “2019 Global Status Report for Buildings and Construction” published by the International Energy Agency, the construction sector accounts for nearly 40% of global energy-related greenhouse…

Analysis

Emerging markets target tourism development and diversification
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As emerging markets develop new attractions and tap into new visitor source markets, they are leveraging technology and sustainable development in line with emissions targets. Following sharp declines in 2020, international tourism figures rebounded in 2021 to reach approximately 63% of pre-Covid-19 pandemic levels in 2022. Notably, in September of that year arrivals in the Middle East and the Caribbean…

Analysis

Higher education developments seek to increase patent filing
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In terms of the filing of international patents, 2022 was a record-breaking year, with higher education playinga significant role in driving innovation and expanding international practices regarding intellectual property (IP). The UNWorld Intellectual Property Organisation (WIPO) reported in February 2023 that 278,100 international patents had been filed under its Patent Cooperation Treaty…

Analysis

Metaverse adoption in higher education in emerging markets
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In a bid to expand access and widen their reach, educational institutions are exploring the possibilities of the metaverse and associated extended-reality (XR) approaches. The metaverse comprises a range of technologies that immerse users in a virtual environment. It denotes a 3D medium that combines virtual reality (VR) and augmented reality (AR) into a new digital realm, sometimes known as XR. These…
Interview

Sylva Vortia, CEO, Axon Information Systems: Interview
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Interview:Sylva Vortia, CEO, Axon Information Systems To what extent has the growth of the ICT sector accelerated economic development? SYLVA VORTIA: One of the most important factors that has propelled the expansion of Ghana’s ICT sector is the government’s commitment to digitalisation. This national effort aligns with global post-Covid-19 pandemic recovery efforts. In the software development…
Interview

Kwaku Ofori Asiamah, Minister of Transport: Interview
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Interview:Kwaku Ofori Asiamah How would you assess Ghana’s potential as a major aviation centre within the subregion? KWAKU OFORI ASIAMAH: The recent expansion of Tamale Airport, the ongoing expansion of Kumasi Airport, and supporting infrastructure such as new terminal buildings and runway extensions have created significant growth opportunities in the sector, which could help Ghana become…
Interview

John Entsuah, CEO, Devtraco Group: Interview
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Interview:John Entsuah What factors account for the growth in real estate and the challenges regarding land acquisition? JOHN ENTSUAH: The real estate sector’s growth is influenced by a combination of factors, and it is essential to address the challenges that hinder progress, particularly for middle-income earners. The aspirations of such individuals to own a home is driving sector growth,…
Interview

Yaw Osei Adutwum, Minister of Education: Interview
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Interview:Yaw Osei Adutwum What are the key reforms being implemented to transform learning outcomes in Ghana? YAW OSEI ADUTWUM: Ghana’s education sector is undergoing a transformation to align with global standards and foster economic growth. These changes are anticipated to improve learning outcomes – particularly at the pre-tertiary levels – and support the objectives of the UN Sustainable…