TY - JOUR T1 - Digital Payments: Impact Factors and Mass Adoption in Sub-Saharan Africa JF - Technology Innovation Management Review Y1 - 2019 A1 - Leigh Soutter A1 - Kenzie Ferguson A1 - Michael Neubert KW - adoption KW - blockchain KW - FinTech KW - mobile money KW - non-consumption KW - payments KW - sub-Saharan Africa AB - This study explores impact factors that affect the adoption of digital payment systems in sub-Saharan Africa. In this article, we investigate the impact factors that subject-matter experts consider most important to the success of FinTech payment models. The data and their responses are evaluated through the lens of Christensen’s market-creation theory, which contends that the adoption of market-creating innovations by a mass swathe of heretofore non-consumers “pulls” framework conditions into place, including missing infrastructure and enabling regulation. Then, we compare the findings with the literature and three case studies of mobile money adoption in Kenya, South Africa, and Nigeria. This study addresses a gap in the literature regarding the payment and money transfer segment of FinTech innovations in Africa using a multiple case study methodology. We drew together information from multiple sources, including semi-structured interviews, archival data in the form of industry and regulatory reports, and observational field notes. Our findings suggest that enabling environments (Kenya) do jumpstart adoption and difficult frameworks (Nigeria) do evolve. This study will help FinTech innovators, academics, and policymakers to understand how technology and framework conditions impact payment business models in Africa. PB - Talent First Network CY - Ottawa VL - 9 UR - https://timreview.ca/article/1254 IS - 7 U1 - International School of Management (ISM) Paris Leigh Soutter is a Vice President at Florence Venture Partners, an angel investment group in Silicon Valley that helps entrepreneurs start great businesses. She holds a PhD in GES Hydrogeology from Stanford University in the United States and has leveraged her experience with scientific computing as a technology consultant, entrepreneur, and investor. Dr. Soutter currently is working towards a second PhD at the International School of Management (ISM) in Paris where her dissertation research involves the role of innovative technologies in emerging markets. U2 - International School of Management (ISM) Paris Kenzie K. Ferguson is a recognized leader in corporate social responsibility (CSR). She built an award-winning CSR department for a multinational S&P 500 Company. Ms. Ferguson recently joined Delta Dental of California as their Vice President of Foundation and CSR. She is distinguished as an influencer with a growth mindset, creative problem-solving skills, and an ability to achieve goals with limited resources. Ms. Ferguson holds a Bachelor of Arts in Russian Studies from the University of California in the United States and an MBA from Nyenrode University in the Netherlands, and she is currently a PhD candidate at the International School of Management (ISM) in Paris. U3 - International School of Management (ISM) Paris Michael Neubert is a Professor at the International School of Management (ISM) in Paris, France, where he obtained his PhD and is now also Chair of the Strategic Management Committee. He teaches doctoral-level courses in FinTech, valuation and acquisition, and international finance, among other subjects. His research interests concern the valuation and the development of innovative high-tech startups from emerging markets. Michael is a member of the Academy of Management, and he is a partner of a private equity firm that invests in high-tech startups and supports them in the development of new foreign markets. ER - TY - JOUR T1 - Impact of Business Intelligence Solutions on Export Performance of Software Firms in Emerging Economies JF - Technology Innovation Management Review Y1 - 2018 A1 - Michael Neubert A1 - Augustinus Van der Krogt KW - artificial intelligence KW - business intelligence KW - emerging markets KW - global marketing KW - international business KW - international entrepreneurship KW - international management KW - machine learning KW - Paraguay KW - software industry AB - The article is written with the aim of understanding how well software firms in emerging economies perform when exporting their goods. Focusing on Paraguay as a representative context, a multiple-case-study research design was adopted using different sources of evidence, including 15 in-depth interviews with founders, shareholders, and CEOs. The data were analyzed using grounded theory in order to develop patterns and categories, and to understand differences and regularities. The revised Uppsala internationalization process model was used as a theoretical framework. This article highlights the experts’ views of the impact of business intelligence on the export performance of software firms in Paraguay. Although only a few of the interviewees currently use business intelligence solutions to support international strategic decision-making processes, most of them reveal a desire to use them because they expect it will have a positive impact on export performance and international competitiveness. The main factors for selecting a business intelligence solution are transparency of cost and benefits, excellent client service, and an attractive pricing model. The study results apply to all stakeholders who support the impact of business intelligence systems on the export performance of software firms in emerging economies. The article fulfils an identified need and call for research to study the use and impact of business intelligence on the way an emerging country’s exportation of goods actually performs, and the ability of its software firms to globalize successfully. PB - Talent First Network CY - Ottawa VL - 8 UR - https://timreview.ca/article/1185 IS - 9 U1 - International School of Management Michael Neubert is a Professor at the International School of Management in Paris, France, where he obtained his PhD and is now also Chair of the Strategic Management Committee. He teaches international business, intercultural communication, doing business in foreign markets, and international finance. His research interests concern the internationalization of high-tech startups. Michael is a member of the Academy of International Business, and he is a partner of a private equity firm that invests in high-tech startups and supports them in the development of new foreign markets. Michael is also the CEO of C2NM, a Swiss consulting firm specializing in the field of international and intercultural management. U2 - Universidad Paraguayo Alemana Augustinus (Stijn) Van Der Krogt is the Dean of the Faculty of Business Administration at the Universidad Paraguayo Alemana in San Lorenzo, Paraguay. He is also a Director of the consulting firm Changing Values International, which accompanies private and public organizations in their process of change by providing tailor-made strategic advice and executive training and coaching. ER - TY - JOUR T1 - The Impact of Digitalization on the Speed of Internationalization of Lean Global Startups JF - Technology Innovation Management Review Y1 - 2018 A1 - Michael Neubert KW - artificial intelligence KW - big data analytics KW - digitalization KW - global marketing KW - international business KW - international business development KW - international entrepreneurship KW - international management KW - lean global startup KW - machine learning AB - Lean global startups need to internationalize early and fast. The digitalization of new foreign market development helps them to more efficiently identify new market opportunities in global markets. With this approach, they are saving resources while developing the most attractive markets. This article examines how lean global startups develop new foreign markets more rapidly due to digitalization. Thus, the aim is to understand the impact of digitalization on speed of internationalization of lean global startups. The study addresses a gap in the scholarly literature and a practical need to evaluate new foreign markets and business opportunities more quickly and more regularly and to understand what helps lean global startups react more quickly to opportunities and threats with respect to changing market attractiveness. Furthermore, it outlines why and how digitalization is important throughout the internationalization process. The research followed a multiple case-study design using different sources of evidence, including 73 interviews with senior managers of lean global startups. The findings reveal that digitalization allows lean global startups to increase decision-making efficiency and to optimize strategies and processes for evaluating international markets. The findings suggest that lean global startups can benefit from the use of digital technologies by applying a more efficient foreign market development process with regular reviews and a reduced workflow, by faster mediation between local market realities and strategic goals, by analyzing all foreign markets instead of just a sample of them, and by optimizing decision-making processes including the ability to make long-term, strategic decisions due to better market information. PB - Talent First Network CY - Ottawa VL - 8 UR - http://timreview.ca/article/1158 IS - 5 U1 - International School of Management Michael Neubert is a Professor at the International School of Management in Paris, France, where he obtained his PhD and is now also Chair of the Strategic Management Committee. He teaches international business, intercultural communication, doing business in foreign markets, and international finance. His research interests concern the internationalization of high-tech startups. Michael is a member of the Academy of International Business, and he is a partner of a private equity firm that invests in high-tech startups and supports them in the development of new foreign markets. Michael is also the CEO of C2NM, a Swiss consulting firm specializing in the field of international and intercultural management. ER - TY - JOUR T1 - Lean Internationalization: How to Globalize Early and Fast in a Small Economy JF - Technology Innovation Management Review Y1 - 2017 A1 - Michael Neubert KW - born-global firm KW - early and fast internationalization KW - global marketing KW - high-tech startup KW - international entrepreneurship KW - lean internationalization KW - small and open economy KW - Uppsala internationalization process AB - This study examines the early market internationalization of 32 high-tech startups that operate internationally from small and open economies. It uses a comparative cross-national multiple case study research design to explore how such startups may differ in their speed of internationalization. Based on interviews with the founders, the speed of early market internationalization in these startups increases significantly due to the application of lean market development processes. The findings provide a basis for developing propositions for further comparative studies focusing on the early and fast internationalization of high-tech startups based in emerging and developed markets. The study contributes to the literature on networks, internationalization, and international entrepreneurship. PB - Talent First Network CY - Ottawa VL - 7 UR - http://timreview.ca/article/1073 IS - 5 U1 - International School of Management Michael Neubert is a Professor at the International School of Management in Paris, France, where he obtained his PhD and is now also Chair of the Strategic Management Committee. He is also a Visiting Professor at the Universidad Paraguayo Alemana in Asunción, Paraguay. He teaches international business, strategic management, doing business in foreign markets, and international finance. His research interests concern the internationalization of high-tech startups from small and open economies. Michael is member of the Academy of International Business, and he is a partner of a private equity firm that invests in high-tech startups and supports them in the development of new foreign markets. Michael is also the CEO of C2NM, a Swiss consulting firm specializing in the field of international and intercultural management. ER -