Schalk Nolte, CEO Entersekt, looks at how African banks are responding to mobile security threats and points out that the rest of the world should be taking a page out of their book.
The growth of mobile banking has surged over the last two years. An October 2015 report from Juniper found that over a billion phone users would have used their device for banking by the end of last year, and expected this number to double by 2020. In fact, the uptake in emerging markets in particular required the company to revise its 2016 predictions to make allowance for the leap in users.
While international companies are certainly looking at the phenomenon and making sure that mobile forms part of their channel to market, many African companies are opting for a mobile-first approach, simply leapfrogging the traditional channel approach.
From a business perspective, banks understand the benefits of mobile banking and are actively driving its uptake. Mobile banking is ubiquitous, it’s self-service and low cost. Juniper has said that a mobile banking transaction costs a forty-third of what an in-branch transaction does, and we have heard some banks say that up to 60 percent of their operational costs go into providing for branch services.
What is interesting, though, is how African banks are placing security at the heart of their mobile strategy. They have good reason to do so. Security breaches threaten to build mistrust towards this innovative and low-cost channel, in turn slowing uptake and the ultimately impacting on the success of any mobile strategy.
Woman describes how she cannot access her bank account and is on the brink of being fired
Refugees complained yesterday that Home Affairs’ Refugee Temporary Office on the foreshore has been turning them away since Monday. The refugees were attempting to renew their papers. The department’s computer system was down.
People described how they were told to come back next week on Monday or Tuesday. Refugees who were there to collect their passports or ID documents were being served.
Jane (not her real name) from Zimbabwe said her boss had threatened to fire her for being away from work for too long without bringing proof that she had been to Home Affairs.
She went to Home Affairs on 13 May to renew her refugee status, which was expiring on 14 May. She was told to return on Monday 16 May because the officials could not find her file. She kept on going to Home Affairs daily and was told to return the next day for the whole week. On 23 May, this past Monday, officials found her file but the system went down. She was told to return the following day.
The Department of Immigration in Kenya has launched a new online platform – called the Electronic Foreign Nationals Service (eFNS) – for work, family and student immigration applications. The eFNS will be rolled out on a pilot basis for some services and is likely to be mandatory for immigration applications in the near future.
The long-term work permit requires a local legal entity to sponsor the foreign national. This work authorisation is granted to any skilled and experienced category of professional or technical worker and permits work for up to two years. Renewals are available as long as the total cumulative period of validity does not exceed five years. With effect from 1 February 2016, children under the age of 16 years accompanying their parents to Kenya are exempted from paying visa fees. Do not submit an application or make any visa fees payment for a child under the age of 16 years. Note that all work permit applicants will be subject to background security checks.
There are nine different classes of work permits available in Kenya, every class belongs to a specific group of persons and sectors and covers non-specific employment, volunteer work, and private investors, to name but a few. It is important to know that work permits in Kenya are only granted to foreigners if the company can prove a Kenyan citizen cannot adequately fill the position. Kenya is well-known for protecting its workforce and the stipulation can be difficult to prove. Expats creating their own business in Kenya have to secure licences and demonstrate earning potential in order to receive a work and business permit.
Time is something we all share… but how we perceive and manage our time differs greatly across cultures. So how can we, as expats, adapt to these different definitions of time? And is it possible to keep our own values around time and still experience harmony in a “time different” culture (or when cooperating in a diverse group)?
Have you ever been sitting on a train ready to depart, only to find that it leaves late? Have you ever rushed to get to a meeting on time and ended up waiting for the other person? Or do you tend to be the one who arrives late?
If you interpret being late as a sign of disrespect, you might find yourself feeling frequently disappointed if you live in another culture or work in an international environment. However, it could be that the culture around you simply understands time differently!
My time vs. your time
It helps to know that different cultures have different expectations or assign different meanings to what time is.
Some cultures perceive time to be scarce or linear, while others believe time to be infinite. Some view time management as a skill; others find it unimportant.
Anthropologist Edward Hall identified two ways in which cultures structure time:
- monochronic: describes cultures that encourage doing one task at a time. Time is important in these cultures, and people are expected to carefully plan their time. Time is seen as inflexible, and deadlines must be met to achieve results. According to Hall, mostly monochronic cultures include the US, Norway and Switzerland.
- polychronic: describes cultures that take on many tasks at once. Managing relationships is considered more important for achieving results. Time is seen as flexible and plans, as well as deadlines, can be changed. Hall mentions China, Egypt and India as examples of generally polychronic cultures.
Though what is considered “on time” differs from country to country, people from monochronic cultures are more likely to be punctual for meetings and significant social occasions.
Of course, not every country, culture or individual is strictly monochronic or polychronic – many sit somewhere in between, and the “rules” may even differ between work and social environments.
Fitting in to another culture
The first step is to understand what your host country’s views are on time management. Where does the culture sit on the time spectrum? And how different is this to your own culture?
Acceptance of the way things are done – no matter how frustrating you find it! – will make your expat stay that much smoother. This is not to say that you have to completely discard your own views of how time should be managed! (Keeping the views of your home country will help you when you return home.)
It’s about mindfully choosing when it would be best to adapt, for your sake and that of your local friends, family and/or colleagues. This will also help you to become more patient with locals, avoid cultural misunderstandings, and not feel upset every time there’s a time issue.
Pointers to help you feel more comfortable in a “time different” culture
Here are some great tips to help you adjust to different views on time:
- Explain what is obvious to you.
Communicate clearly what your expectations are (e.g. for a start time of a meeting or birthday party) and what is “obvious” to you.
- Focus on the solution – and not the problem – when there is a misunderstanding. Explain your feelings, listen, and focus on what you can do next time to avoid a repeat.
- Assumption is the mother of all mistakes
Check with those around you how the culture or individuals organise and manage their time. Ask why things are done the way they are, so that it makes sense to you. And avoid stereotyping – cultures are dynamic, and people within them can be very different too.
- Be patient
If punctuality is not a priority in the culture, be prepared to wait for others. You may like to come up with strategies to stay relaxed while waiting, like writing in a journal, catching up on admin, or listening to an audiobook or podcast on your phone. If punctuality is valued and you struggle to be on time, try to start earlier (to get ready, to take transport) than you usually would so you can arrive relaxed and on time.
- Be understanding
Show empathy; this will encourage your hosts to reciprocate if you come up against any time misunderstandings in the future.
- Provide non-definite commitments
If you’re not sure you can commit, clearly inform the other person that you will only be able to let them know closer to the date.
Whether you work in an international team or live in a different culture, there is always an opportunity to learn. Could being punctual make you feel more organised? Or could a more flexible mindset around time ease your stress levels? Maybe there’s something each of us can learn from the other way(s) of seeing time…
The original article by Expat Nest can be found here.



