Now, most people that aren't users or customers of Vodafone will quickly conclude that I'm this poor victim being used by another mobile phone giant to market or sell their products and services. Granted they may be right, it still doesn't change the fact my ten years experiences with Vodafone should be told. My name is Kɔnkɔsan, a twenty-six year old mobile phone trader at Nkrumah Circle in Accra, Ghana. I've sold and serviced all brands of mobile or cell phones in the last ten years, which I believe have given me a great deal of insight into the pros and cons of the various local telecommunication industries.This book will take you through some my encounters and experiences of the last decade, where customers from all walks of life, for one reason or the other felt compelled to spill out their frustrations, their guts--good or bad, at any given time about their personal cell phone service providers.

Until nineteen ninety-one, fifteen republics made up the Soviet Union. In December nineteen twenty-two, Byelorussia, Transcaucasia, Russia and Ukraine were the four founding republics that signed a treaty creating the USSR. During the nineteen twenty-four national demarcation, Turkmenistan and Uzbekistan were formed from parts of Russia's Turkestan and two Soviet dependencies: Bukharan, and Khorezm. Five years later, Tajikistan was divided from Uzbekistan, and, Transcaucasian dissolved with the constitution of nineteen thirty-six, resulting in the elevation of its constituent republics of Georgia, Azerbaijan and Armenia to Union Republics, while Kazakhstan and Kirghizia were split off from Russian. In nineteen forty, Moldavia was formed from parts of the Northern Bukovina, Ukraine and Bessarabia, while Lithuania, Latvia and Estonia were also admitted into the union, which generally, wasn't recognized by most members of the international community and frowned upon as an illegal occupation.

'Kuenyehia on Entrepreneurship' is a ground-breaking resource for students of Entrepreneurship, focusing on local content from Ghana, one of the World's fastest growing economies. Part textbook, part reference book for enthusiasts of entrepreneurship, it adopts a multi-disciplinary approach, covering an amalgam of business subjects including human resource management, organizational behaviour, operations management, strategy, marketing, finance and law. Assuming no prior knowledge of business, it illustrates fundamental concepts with practical examples drawn from research conducted in Ghana, occasionally supplemented by anecdotes from global companies such as Apple and Google. Key to its uniqueness is a wide-ranging collection of profiles of successful Ghanaian entrepreneurs as well as sections on particular challenges for prospective investors in Ghana - local content which makes this Ghanaian textbook on entrepreneurship a must-read for both Ghanaian students of entrepreneurship and investors with an interest in the Ghanaian economic renaissance. Elikem Nutifafa Kuenyehia is the founder of Oxford & Beaumont, a leading law firm that, since 2006, has become internationally recognised as one of Ghana's leading law firms and has advised on over twelve billion US dollars ($12b) worth of deals for clients such as Citibank, International Finance Corporation, Coca-Cola, Goldman Sachs and Vodafone. A graduate of Northwestern University's Kellogg School of Management, Elikem holds a bachelor's and master's degree in jurisprudence from the University of Oxford and attended Achimota School. Prior to setting up Oxford & Beaumont, he was part of the start-up team that set up United Bank for Africa (Ghana) Limited (then Standard Trust Bank Ghana Limited), where he developed Ghana's first zero deposit account and the blueprint for the bank's market entry strategy. He also previously worked for Diageo and the leading premium international law firm Linklaters LLP. Elikem's love affair with Entrepreneurship began in the early 1990s, when he ran a successful greeting card enterprise, co-founded the erstwhile Filla! Magazine and created, developed and co-hosted 'Second Generation', an award winning prime-time youth television show. His latest venture is Royal Afrideki, an early stage venture capital firm focused on Ghanaian small and medium sized enterprises. Elikem serves on the boards of Metropolitan Insurance Company Limited (a member of the prestigious Ghana Club 100), Google Ghana Limited, Chase Petroleum Ghana Limited and Beige Capital Limited and was named a Young Global Leader by the World Economic Forum, and one of 'Africa's 40 under-40' achievers by The Network Journal. He also received the Millennium Excellence Awards' Young Professional of the Year Award in 2006, and, at Kellogg, the 2002 Business Leadership Award. In 1999, he was part of the team named 'Restructuring Team of 1999' by UK's Legal Business Magazine. Elikem is a solicitor admitted in England, Wales and Ghana, and teaches entrepreneurship at the Ghana Institute of Management and Public Administration (GIMPA).

Fintech has become one of the most popular topics among policymakers and experts. It usually comes with the qualifier “disruptive”. Thus, the hype is easy to understand: fintech would upend the financial system due to its disruptive nature, as it would allow financial services to be completed faster, cheaper, and more efficiently. Indeed, many have predicted that the remittances market was on the verge of being disrupted as remittances are considered too costly while remittance service providers inefficient, opaque, and outdated. Therefore, there seems to be no better setting for assessing the allegedly disruptive effects of fintech. Against that background, this paper investigates how those predictions have fared so far. Contrary to expectations, it found that instead of disrupting incumbents fintechs have increasingly been entangled with them. Therefore, not only there is no evidence of disruption, but it is unlikely to occur in the foreseeable future. Even so, the paper argues that fintechs play an important role in the remittances market.