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1 | Is there a future for e-commerce in Africa? | Hisy e-varotra ve eto Afrika? |
2 | The past week turned out to one that came with an interesting debate online about the prospects of e-commerce in Africa. | Nahaliana ny adi-hevitra momba ny ho avin'ny e-varotra eto Afrika tamin'iny herinandro lasa iny. Natomboky Oluniyi David Ajao tamin'ny lazan'ny e-gold (vola an-tsoratra manana sandam-bolamena) ao Nigéria ny resaka. |
3 | Oluniyi David Ajao started with throwing an insight into the popularity of e-gold (a digital gold currency) in Nigeria. | Mety hanjohy io fahombiazana io koa ny fandoavam-bola amin'ny alalan'ny karatra hafa eto Afrika :Nahoana no tena tiam-bahoaka ny e-gold ao Nigéria? |
4 | Other online payment systems might indeed follow the same growth pattern, in Africa: Why is e-gold popular in Nigeria?: | Mihamisongadina ny isan'ny Nizeriana miditra amin'ny ty sy nday ifanaovan'izao tontolo izao amin'ny alalan'ny World Wide Web. |
5 | Not a few Nigerians take part in global commerce via the World Wide Web. | Araka an'Internet World Stats dia mahatratra 5.000.000 ny isan'ny mpanovo ny siniben-tserasera ao Nizeria. |
6 | According to Internet World Stats, there are about 5 million Internet users in Nigeria. | Ny 03. 57% monja amin'ny mponina mahatratra 140.000.000 izany (fanisana ofisialy taona 2007 ). |
7 | This is only 3.57% of Nigeria's 140 million people (2007 official census). | Tsy maintsy mampiasa ny fandoavam-bola an-tserasera ireo mpanovo siniben-tserasera ireo hahamora ny e-varotra ifanaovana amin'ny hafa. |
8 | These people need to make payment online to facilitate their participation in e-commerce. Aside buying and selling online, others invest in foreign stock markets, foreign currency market (Forex), High Yield Investment Programs (HYIPs), Multi-Level Marketing (MLM) schemes etc. | Ankoatra ny mividy sy mivarotra an-tserasera, dia maro koa ny mpametra-bola any amin'ny fifanakalozana sy ny tsenam-bola any ivelany, forex ohatra, any amin'ny fametrahana sy fampindramam-bola ahazoana zanabola midangana (HYIPs) ary amin'ny fikirakirana ny haivarotra amin'ny ambaratongan-dingana samihafa (MLM). |
9 | Erik Hersman blogging for Thought Leader, highlighted what he saw to be the problems with participating in e-commerce, from Africa - especially South Africa: The problem with e-commerce and online payments in Africa. | Avoitran'i Erik Hersman mibilaogy ao amin'ny thought leader kosa ny heveriny ho olana manakana ny fandrosoan'ny e-varotra eto Afrika - Afrika atsimo indrindra indrindra : ny olana amin'ny fandoavam-bola an-tserasera sy ny e-varotra eto Afrika : |
10 | A lack of true online payment options is crippling African e-commerce, and South Africa is no exception. | Ny fahabangan'ny fomba fandoavam-bola an-tserasera matotra eto Afrika no mampifintina ny e-varotra Afrikana, ary tsy tafala amin'izany i Afrika Atsimo. |
11 | The inability to accept payments for products and services on equal footing with the rest of the world means that many viable business options are not available for merchants in Africa. | Ny tsy fahazoana manaraka ny fomba fandoavam-bola ifanaovan'izao tontolo izao rehefa mividy zavatra na manao fifanarahan'asa no midika fa betsaka ny fandraharahana azo atao tsy vonona ho an'ny mpivarotra eto Afrika. |
12 | The few options there are for African e-commerce take a certain amount of business history, wealth or contortions to attain. | Ny ambiny kely isafidianana ho amin'ny e-varotra eto Afrika kosa dia mbola mila fahazaram-pandraharahana, fandanian-karena ary famolahana kely. |
13 | Erik Hersman makes some suggestion towards the end of his blog post: | Nanome tolo-kevitra vitsivitsy i Erik Hersman any amin'ny faran'ny lahatsorany: |
14 | I would submit that the solution for Africa needs to be bank and carrier agnostic. | Itovizana ny hevitra fa ny famahana olana ho an'i Afrika dia mahaleo tena manoloana ny banky sy ny mpanera hafa. |
15 | So, the beginnings of possible solutions are being seen, but no one has created the ultimate e-commerce option for Africa. | Noho izany, efa manomboka mipoitra ireo vahaolana azo heverina, saingy mbola tsy nisy nahita kosa ny valiny tena mahafa-po hahamatotra ny e-varotra ho an'i Afrika. |
16 | Of course, if PayPal were to just allow us all to go through a little more stringent verification to ensure that we are real people with real businesses in Africa, then it would scoop up most of the online business overnight. | Mazava loatra fa raha ahafahana manaporofo ny fisiantsika sy ny orinasantsika eto Afrika ny fampiasana ny PayPal dia mety handraoka nyankamaroan'ny fifanaraham-barotra an-tserasera anatin'ny fotoana fohy monja. |
17 | However, he got a direct response from Oluniyi David Ajao who is suggesting that it is indeed possible to participate to some extent in e-commerce from Africa, today: Is a common African e-commerce platform possible?: | Fa nahazo setriny avy amin'i Oluniyi David Ajao avy hatrany izy izay milaza fa azo heverina ihany eto Afrika ny mifampiraharaha amin'ny alalan'ny e-varotra amin'izao fotoana izao : Azo atao ve ny manangana tambazotra iraisan'ny Afrikana amin'ny e-varotra? : |
18 | The few options there are for African e-commerce take a certain amount of business history, wealth or contortions to attain. […] | Ny ambiny kely isafidianana ho amin'ny e-varotra eto Afrika kosa dia mbola mila fahazaram-pandraharahana, fandanian-karena ary famolahana kely. |
19 | These are also true, but only to some extent. | Marina ihany izany fa amin'ny lafiny sasany. |
20 | Erik Hersman obviously had the mainstream payment systems that evolve around the major credit/debit card brands in mind. | Ny ao an-tsain'i Erik Hersman amin'izany resaka izany dia ny fomba fandoavam-bola mahazatra amin'ny alalan'ny karatra famantarana ny vola ampelantanana na ny trosa. |
21 | But even with only MasterCard and Visa in mind, it is still possible for an African merchant to participate fully in the global e-commerce arena. | Fa na dia amin'ny alalan'ny mastercard sy Visa fotsiny ihany anie dia efa ahafahan'ny mpanao ty sy nday Afrikana miditra an-tsehatra tanteraka amin'ny sehatry ny e-varotra e ! |
22 | He goes on to list and explain some online payment methods that can enable full e-commerce participation from virtually any African country. | Notanisainy amin'izay ary hazavainy ireo fomba fandoavam-bola an-tserasera ahafahana mandray anjara amin'ny e-varotra na aiza na aiza eto Afrika. |
23 | He concluded thus: | Toy izao no namehazany azy : |
24 | I believe I have proved beyond reasonable doubt that residents of Africa can indeed participate in global e-commerce, even today! | Mino aho noho ireo nosoratako ireo fa afaka miantsena tsara amin'ny alalan'ny e-varotra ny mponina eto Afrika na dia izao ankehitriny izao aza ! |
25 | I fully understand the angle you are pushing - Erik Hersman - but I believe your model of an African e-commerce platform would only be feasible, if African countries had a tight economic union. | Azoko tsara ny eritreritrao Atoa Erik Hersman saingy sarotra tanterahina ny fananana tambazotrana e-varotra iraisan'ny Afrikana raha tsy efa nanana fivondronana ekonomika matotra ny firenena afrikana. |
26 | A union with common financial regulations and common economic policies. | Fivondronana manana fitsipi-pitantanam-bola iraisana sy politika ekonomika iraisana. |
27 | The European Union is a classic example. As of today, this is not the case. | Ny Vondrona Eoropeana no ohatra mahazatra amin'izany saingy tsy izany aloha no misy izao. |
28 | Not even the regional blocks (at least I am very sure about ECOWAS) are united economically though efforts are being made in this direction. | Na ny vondrom-paritra toy ny COMESA aza dia tsy manana izay firaisana ekonomika izay na dia misy aza ny fiezahana ho amin'izany. |
29 | I know of two examples of your e-commerce model that already exist in Europe and work well for Europeans: Moneybookers and ChronoPay. | Mahafantatra ohatra roa azo alain-tahaka amin'ilay e-varotra lazainao aho izay misy any Eoropa no mety tsara ho an'ny Eoropeana : Moneybookers sy ChronoPay. |
30 | Is African e-commerce platform possible? | Azo tanterahina ve ny tambazotrana e-varotra afrikana ? |
31 | Yes it is. | Eny, azo tanterahina. |
32 | However, Africa countries need to unite for this to be possible. | Saingy tsy maintsy mikambana aloha ny firenena afrikana hahatontosa izany. |
33 | Every other thing shall follow. | Izay no ihavian'ny zavatra hafa. |
34 | Finito. | Tapitra. |
35 | Grandiose Parlor joined the conversation by asking: Could Airtime Driven e-Commerce Work in Africa?: | Niditra tanaty resaka iGrandiose Parlor nanontany hoe : Azo tanterahina eto Afrika ve ny e-varotra ankinina amin'ny fampiasana finday ? : |
36 | There are similar Pan-African driven discussions as Erik-David's debate on the blogosphere and mainstream media, but I feel given the socio-economic and political state of the continent - beyond their intellectual appeal, many of those conversations are dead on arrival: There are just too many limiting factors that make the realization of the vast majority of Pan-African concepts too difficult - if not impossible. | Maro ny adi-hevitra panafrikana mitovitovy amin'izay ifanaovan'i Erik sy David any amin'ny haino aman-jery sy any amin'ny blaogy, saingy hitako fa raha jerena ny lafiny sosialy sy ekonomika ary politika misy eto amin'ny kontinanta -ankoatra ny fananany manam-pahaizana, dia maro amin'ireny reska ireny no maty an-karanany : maro dia maro ny singa mibahana ka manasarotra loatra ny fanatontosana hevitra panafrikana, raha tsy hoe tsy azo atao mihitsy aza izany. |
37 | Don't get me wrong, Pan-Africanism is a great and sweet concept - who wouldn't want to have access to the second-largest and second most-populous continent in the world? | Aoka isika tsy hamita-tena, hevitra lehibe sy manintona ny panafrikanisma (fitambaran'ny firenena afrikana hiray volo)- fa iza moa tsy te-hifandraharaha amin'ny kaontinanta lehibe faharoa sy faharoa be mponina indrindra eto an-tany ? |
38 | Even in Nigeria - a country I'm most familiar with, and it's immediate extension, the West African subregion - the creation of an online payment system that is “bank and carrier agnostic” is still difficult but carries a better chance of happening and succeeding. | Na dia eto Nizeria firenena mahazatra ahy indrindra, sy ny manodidina azy akaiky aza, zana-paritry Afrika andrefana dia mbola sarotra ny manangana fomba fandoavam-bola « mahaleo tena miohatra amin'ny banky sy mpanera hafa » saingy mety ho avy izany sady hahomby. |
39 | Grandiose Parlor has this to ask: | Nanontany avy eo i Grandiose Parlor : |
40 | One “common denominator” characteristic of most Nigerians - including those in the informal economy - that I've discovered is that they all purchase airtime minutes. | Ny mahazatra ny ankamaroan'ny Nizeriana hitako - eny fa na dia ireo tsy mpandoa hetra aza - dia ny fividianana fahana ho amin'ny finday. |
41 | Could those minutes be used some how as legal tender for online transactions and e-commerce? | Ara-dalàna amin'ny takalo ara-barotra an-tserasera sy ny e-varotra ve ny halavan'ora azo iantsoana amin'ireny fahana finday ireny ? |
42 | Are you based in an online merchant based in Africa? | Anatin'ny tsenam-barotry Afrika an-tserasera ve ianao ? |
43 | If yes, what challenges have you been facing? | Raha eny, Inona ny fanamby atrehinao ? |
44 | Have you used any of the suggestions from the bloggers? | Efa nampiasa ny soso-kevitry ny mpibilaogy ve ianao ? andeha ary hidinika amin'ny fametrahanao ny hevitrao. |
45 | Join the conversation by posting your comments. | David Ajao |