C.K. Prahalad called it the "Fortune at the Bottom of the Pyramid."
His argument: the billions of people living outside formal economic systems are not a burden. They are an enormous, underserved market.
M-PESA proved it in Kenya. Built for the unbanked, it now processes more transactions than the formal banking system.Β Grameen Bank proved it in Bangladesh. Informal entrepreneurs with no collateral turned out to be among the most creditworthy borrowers in the world.Β MTN MoMo proved it in Ghana, becoming the 2nd largest revenue driver for MTN, contributing 24%+ of profits.
Every one of these success stories was built by going down to go up.
Ghana's accounting profession has the same opportunity right now. The informal SME sitting outside your current client list is not beneath your expertise. They may be your biggest growth market.
Which 'bottom of the pyramid' success story surprises you the most? Let's discuss.
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May 18, 2026
Here’s a pattern playing out across thousands of Ghanaian SMEs right now:β Business has real
