From iHub Research:
Nobody likes to wait in line. Yet according to the results of the Consumer Ordering Habits study presented with this iHub newsletter, consumers in Nairobi still would rather wait in long, disorderly lines than trust a new electronic or mobile system. The findings of this study and the broader conversations about mobile money speak to the larger issue of platforms: how they are designed (and sometimes, designed not by their developers but through accidental discoveries of their users), how they become standardized, become trustworthy and gain broad acceptance.

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