Loyalty programs turned prepaid during COVID-19.

  The pandemic is calling into question all the principles and bases of retail, starting with the loyalty programs that brands have taken years to methodically construct. A recent McKinsey study reveals that more than “77 percent have tried new shopping behaviors, including new channels, stores, and brands”. Ogloba believes that retailers must quickly move…


Community and Technology: Empowering low income classes in Indonesia

Indonesia, the world’s 4th most populous nation, shows a strong entrepreneurial spirit in various sectors, and this might explain its surge both in terms of GDP [1] and people empowerment [2]. In Indonesia, this entrepreneurial spirit is embodied by the “Gotong Royong” mindset.   From Arisan to Digital Products MAPAN, Gojek’s [3] digital community-based business in Indonesia,…


Is Cash Dying?

The payments sector is rapidly evolving, leading many to question whether cash is dying as a payment means. Our latest article discusses how true this is. Read the full text here: here


Why Retain the Human Interaction in Retail?

While technology can enhance the shopping experience, traditional bricks-and-mortar retailers need to work harder to retain what differentiates them from online competitors – human interaction.

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The Uberization of Retail

Disruptive business models like those used by Uber and AirBnB have allowed them to become major players in recent years. This intermediation facilitates doing business with people, rather than established players. While great news for companies utilizing these new business models, for traditional retailers who rely on physical stores this movement towards “Uberization” can lead…


Affinity Programs and Education

The education sector has become highly competitive, results-driven business. This makes strong engagement from all stakeholders a critical issue in modern education.

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