First And First Capital International Ltd

  A growing evidence base shows access to and use of information and communication technologies (ICT), particularly mobile phones and the internet, can yield socio-economic benefits, and particularly in developing countries.  At the country level, access to digital technology can help boost gross domestic product (GDP) through job creation and greater productivity. Emerging markets in developing contexts can benefit from 1.2 per cent more GDP for every 10 per cent increase in mobile penetration. At the micro-level, certain studies have identified a positive relationship between income generation, owning a mobile phone, and internet use. However, despite the big opportunities that digital technologies can bring, not everyone is benefiting equally. There is a gender gap in terms of ICT access and use, with women and girls at the bottom of the economic pyramid being disproportionately affected. Recent data by the International Telecommunications Union (ITU) suggest that, on average,

  The first mobile phone invented for practical use was by a  Motorola  employee called Martin Cooper who is widely considered to be a key player in the history of mobile phones. From ‘80s menhir-like “brick phones” to the iconic Nokia handsets, these are some of the phones that pushed the boundaries of what was possible and paved the way for today’s smartphones. 1985: Motorola Dynatac 8000X Known in the industry as “the brick” and visible in many scenes of the 1987 movie Wall Street, the Motorola Dynatac 800X was the first handheld mobile phone and loudly announced the beginning of a new era. 1992: Nokia 1011 This is the world’s first mass-produced phone that used the new GSM digital standard. Nokia 1011 was ‘available in any colour, as long as it’s black. Specs included a monochrome LCD screen, extendable antenna and a memory capable of storing 99 phone numbers. 1996: Motorola StarTAC The most expensive and desirable phone on the market at the time of its release. The

  To invest is to allocate money into financial schemes, shares or property in expectation of some benefit in future – usually referred to as return. There are different types of investors that exist globally. In the modern-day, you are advised to always invest your money and not save for better returns. Here are 10 investing secrets that will help you grow – rich-wise and wealthy-wise; Live below your means This simply means staying out of debts and also cutting unnecessary costs. If you don’t cut down on your costs, you will not have money to invest. Costs In the investment world, ‘cost is the only that matters’. When looking to invest, always consider these three factors which should be low or below average; ·          The fund’s expense ratio:  I ts operating costs, such as the fee paid to the manager, taxes, legal expenses, and more ·          Turnover:  how often a fund’s assets are traded; the higher the turnover, the higher the transaction costs associated wi

The economy has been bad of late, and the situation has become even worse after the coming of the Coronavirus pandemic. Even before the pandemic, there were people still struggling to cut links with mobile loans and things like Okoa Airtime and Okoa Data Bundles. Today, somebody will tell you they have over 5 different mobile loans which have not been paid and you will not see anything wrong with it. Why? Because it is something that is common. It is not a surprise to hear someone say he/she wants to take a loan so as to pay another loan. It is equally not surprising that people have Okoa Airtime and Okoa Data Bundles running into hundreds of shillings, with telecommunications companies like Safarcon now allowing a customer to borrow the loans more than one time. I agree and we all agree that money can sometimes be hard to get – forcing one to run to Okoa Data Bundles, Okoa Airtime or Mobile Loans to get something to buy airtime and data for their smartphones, even though they are usua

  When digital technology was rising in the rest of the world, and countries shifting from analogue to digital, about 40 years ago, nobody cared to talk about Africa in regards to innovation. Things have since changed as in the past decade, Africa has fast moved into mobile phones era and internet access – in a frantic attempt to ‘catch-up’ with the rest of the world. Aza Finance reports that digital adoption has been on the rise in Africa. Mobile phones are now common gadgets even in the remotest areas and digital penetration is projected to be at 50% in the next 10 years or so. Digital revolution is now being experienced in Africa, and this is what has sparked Africa’s innovation advances. Today, according to Aza Finance, Africa has about 200 innovation hubs, 3,500 new technology-related ventures and over a billion dollars in venture capital. As much as the world still looks at Africa as a remote continent, the fact remains that by 2050, this very lagging continent will be ac

  It takes an effort for you to achieve all the things that you dream of in life – be it success, prosperity, happiness or good life. There is no way good things will come to you, grab you, pull you up and take you to success – you will have to hustle, fight and work hard to get to it. It is sweat, tears, disappointment and hard work that determines your success – in fact, if you are getting it easy, you’re most likely heading towards the wrong direction as far as success is concerned. So what is it that you need to do to create a positive change in your life? Read on. Decide to change There is a very big difference between wanting to change and making the actual decision to change. Don’t just say you want to change, go further and make a true commitment towards actualizing that change that you want in your life. Know WHY you want to change Once you make that decision to change, the next big thing you need to do is knowing why you want that change. Answering the WHY might