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The mobile money industry processed more than $1 trillion in 2021

Mobile money hit a new milestone last year as the value of transactions processed globally surpassed $1 trillion for the first time, according to a report released this week by the GSM Association, which tracks data in the mobile telecommunications industry.

A rise in merchant payments, international remittances, and governmental humanitarian assistance are some of the factors that led to the 31% growth in transaction value over 2020.

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Who should police the web?

Reluctant regulators Who should police the web?

Politicians should not offload the responsibility onto others?

SHOULD VIDEO websites have to review content before they publish it? Where does the boundary lie between hate speech and incitement to violence? Is pornography created by artificial intelligence an invasion of privacy? These are all hard questions, but behind them lies an even more difficult one: who should provide the answers?

On the internet, such dilemmas are increasingly being resolved by private firms. Social networks are deciding what kinds of misinformation to ban. Web-hosting companies are taking down sites they deem harmful. Now financial firms are more actively restricting what people can buy (see Finance section).

What is Domain-Driven Design (DDD)

A definition of DDD as a software design discipline

Domain-Driven Design is a software design discipline centred on the principles that:

  • Software for a complex domain requires all designers (engineers, testers, analysts, …) to have a deep, shared understanding of the domain, guided by domain experts
  • That understanding is rooted in language: the domain language should be formalised into a Ubiquitous Language (shared, agreed upon, unambiguous)
  • The understanding is expressed in a model, shared between experts and designers, which express the problem space (as opposed to the solution space)
  • The model must not shy away from explicitly expressing the essential complexity of the domain
  • A complex domain can not be efficiently expressed as a single universal model and language, and must therefore be separated into Bounded Contexts (ie. an internally consistent language and model) by the system designers
  • The model and language should be in sync with our understanding of, and changes in the domain, through continuous refactoring towards deeper insight

As a mnemonic:

Ethiopia’s Digital Payment Gateway

Ethiopia’s Digital Payment Gateway

The first-ever three years National Digital Payments Strategy (NDPS) of the National Bank of Ethiopia (NBE) hints that it would apply incentives and discouraging instruments like tax incentives and cash handling fees to attain the goal of the NDPS.

The strategy that officially launched on July 15 and will face implementation till 2024 quoted Prime Minister Abiy Ahmed’s message that there are efforts within and beyond the Ethiopian payment ecosystem that have laid the foundations for digital payments in Ethiopia, “however, challenges still remain and a strategic effort to address these is needed; a NDPS.”

I trust that NDPS will assist Ethiopia in meeting the challenges that currently lie ahead as we transform the payment ecosystem to move toward a cash-lite and more financially inclusive economy,” Abiy said in his message on the new strategy

Why Social Is Not a Substitute for a Website

Social media creates visibility, but a professional website builds relationships—and sales.

If you’re using social media to demonstrate expertise and encourage an audience to engage with your business, you’re off to a great start. Now, try complementing this effort with a website, so you can solidify relationships and make conversions happen.

Used together, social media and a website create a powerful web presence. Social media attracts your audience, and a professional website provides you with the space to demonstrate what your brand has to offer, deepen engagement, and reach your marketing goals.

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Faith in government declines when mobile internet arrives

A new study finds that incumbent parties lose votes after their citizens get online

THE EARLY days of the internet were full of predictions about access to information unleashing a wave of democratisation. More recently, views on the internet’s impact have soured, as states use it to spy on dissidents and influence foreign elections.

Opinions on this topic are abundant, but hard data are scarce. No one knows whether the Arab spring could have occurred without the internet, or whether Russia’s online efforts to boost President Donald Trump’s campaign had any effect. Nonetheless, scholars can sometimes find natural experiments to substitute for such counter-factual scenarios. A recently revised study by the economists Sergei Guriev, Nikita Melnikov and Ekaterina Zhuravskaya, which is now undergoing peer review, uses the growth of mobile broadband to reveal a link between internet access and scepticism of government.

Google Maps makes it easier to share your location with Plus Codes — no address required

When you need to give someone your location, you usually point them to an address. Here in Addis, you often point them to an intersection instead. But sometimes an address is just difficult to find — or you don’t have one at all.

For those purposes, Google introduced Plus codes five years ago, allowing you to share your location in a short alphanumerical format, whether you simply can’t find an address or are in the middle of nowhere. Unfortunately, it doesn’t seem they were actually used all that much, so now Google is making it easier to share the Plus codes than ever.

Coronavirus pandemic spreads fake news, scams and malware

What happened?

Scammers, spammers, and spreaders of fake news have leaped on the coronavirus crisis, proliferating dodgy text messages and emails, hoax posts and videos, and other misinformation to flood inboxes and social media, ‘As well as messages from scammers and well-meaning but ill-informed individuals, certain nations have been accused of generating sophisticated misinformation. A report from the Financial Times suggested a series of text messages spread throughout the US purporting to be from “a friend of a friend in the FBI” or a “brother in law in the military” were probably sent by operatives in Russia and China looking to cause chaos and confusion.

Such messages, some suggesting the UK government will completely lock down the country, maybe driving panic buying and stockpiling. Other versions of the messages suggest cures or preventative measures, such as drinking water constantly or gargling with saltwater, whether this advice comes from Russian spies or from a well-meaning friend, the information is false and won't prevent infection, the only measures to avoid the coronavirus are social distancing and regular handwashing.

Other posts are a more obvious con, selling cures and treatments for COVID-19 or suggesting products that insure against infection, such as vitamins and teas - none of which will have any positive effect against the virus, such ads are already being targeted by the authorities and social networks.

Principles of Mobile App Design: A complete Guide to UX Design and Development

These mobile design guidelines will help the app designers to churn out of the box apps.

Flurry analytics has declared an average user spends 5 hours every day on mobile. And that shows the reality that a vast amount of user’s time is spent either on the applications or the web. But not all the mobile applications are making it to the handsets of the users. And the apps that are there on users’ smartphones have something extraordinary.

Today’s users want a lot from a mobile application. Not only do they look out for the latest UI design trends, but also the ease of interaction while engaging with the app, fast loading time, adoption of content, and the kind of actions included are primary for the success of the mobile application. That’s why mobile UI/UX design plays a crucial role in the development process.

Fight the coronavirus using the web

Now that the spread of the coronavirus, COVID-19, has been declared a pandemic, it's important to keep up to date with the latest advice. Google is leading the way by placing key stories about the disease at the top of its search results. This is followed by important government and Ministry of Health, Ethiopia  facebook page ( , and a map of the affected areas. It has also launched its own COVID-19 information site (

The best advice is to wash your hands for 20 seconds, or for as long as it takes to sing Happy Birthday, but if you're fed up with that ditty, you can use other tunes to accompany your ablutions. Enter the name of a song and artist into Wash Your Lyrics ( ) for a downloadable infographic showing a hand-washing technique to fit. To get help with the other top virus-proofing tip, which is to stop touching your face, go to , allow access to your webcam and the machine-learning algorithm will kick in and view you via an open tab or minimised window. You'll be alerted every time you touch your face.

 To help you stay informed about the number of reported cases and deaths, Public Health Ethiopia has created a dashboard (

How to Fix (and Avoid) Traffic Drops after a Website Redesign

No matter how state-of-the-art your company’s website may have seemed when you first launched it, there comes a time when every site can benefit from a redesign. Given the multitude of algorithm changes than happen each year, and regular shifts in consumer Internet use, it can be nearly impossible for an outdated website to deliver the online results you need. 

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