eCommerce – Global e-commerce activity is expanding fast, with developing economies gaining prominence. E-Commerce: Payments through mobile, the internet, and cards This has vastly transformed the way we do business in the modern era. We have all come across or most likely heard of artificial intelligence in some form or another, unless some of us have been burrowed deep underground for the last couple of years. Customer segmentation became an essential and first priority, and it became super easy with AI to identify systematic groups of customers to make marketing more precise.

Introduction – eCommerce

In today’s online shopping, how much is artificial intelligence? How artificial intelligence can help retailers deliver the highly personalized experiences shoppers desire Ant colony optimization algorithms (to formulate training feed-forward neural networks with ant colony optimization) to obtain the users’ preference information are widely used in today’s e-commerce business for comparison-shopping to solve the problem of user bias’ filtering and learning. Performance improvements are important to both consumers (buyers) and sellers (merchants).


Machine learning is now tightly packed with emerging learning inferences and other functions of e-commerce. The probability of the users who are going to make a purchase for the given time interval is what makes you powerful in terms of targeting the right customers to optimize your marketing budget. On the basis of the traditional comparison shopping method, it trains the back propagation neural networks. Relative to traditional manual and subjective evaluation, this method can greatly extend auto-evaluation and reduce the arbitrary nature of manual evaluation, thereby increasing the objectivity and accuracy of the evaluation.

Within the past few years, online businesses have grown rapidly, with business-to-consumer electronic commerce (e-commerce) sales growing by 21.1 percent. According to an independent market research company, e-marketer, e-commerce-based transactions hit US$1 trillion for the first time in 2012, with no look back. In 2016, it had exponential growth over 2012 and 2017 figures until September. Equally critical is delivering this performance with reduced silicon (all gray and thin areas) area and industry power consumption. It also adopts the growth-oriented method of network structure to decrease learning errors. And the sequence of search results is reorganized based on the information to provide users with a personalized shopping guide service that meets their needs.

Scalability, both within and between the product families filled with or backed by artificial intelligence technologies, was also a key consideration in their development. Thriving economies like India and China forecast that the growth of digital shoppers will expand enormously as the number of people who buy goods online is expected to go fourfold between 2015 and 2018. AI makes it easy to know when customers will stop using a service, analyze potential reasons, and allow for countermeasures. Sentiment analysis evaluates the public’s perception of a product based on sources like social media. The sequence mining technique is applied to users’ navigation behavior to discover patterns in the navigation of websites.

eCommerce Markets and Customer Choice

Research on the Indian eCommerce market recently revealed that Indian e-commerce grew by 31.4% in the last 3 months, reaching a ttal market value of more than US$2.1 trillion. As of today, most of the top e-commerce companies are from India, the United States, and China. Using AI to provide a personal touch to the customer journey always results in a huge value-add for merchants. Merchants, sellers, and retailers that have implemented the magical “personal touch” backed by AI strategically see sales gains of about 10% over others. Using the footstep graph to visualize the user’s click-stream data, any interesting pattern can be detected more easily and quickly.

Artificial intelligence is the epicenter of eCommerce for thriving economies – But who is reaping the real rewards?

Africa’s e-commerce contribution to GDP remains low (half the levels seen in emerging economies on other continents). Although most micro and small enterprises in developing countries have yet to start buying or selling products online, recent developments are expanding, but there is significant variation among individual countries. Senegal, Nigeria, Morocco, South Africa, Mozambique, Ghana, and Kenya (the top 7 e-commerce countries on the African continent): despite a slow start, Africa’s digital development is on the rise and accelerating at full throttle.

Though not the continent’s largest economies, they have Africa’s highest e-commerce contribution to their GDPs, and governments in the said countries have made concerted efforts to stimulate internet demand. Artificial technologies can help in learning, earning more profits, and boosting sales. It could also boost profitability rates by 59% in the wholesale and retail industries by 2035. Machine learning helps reduce the required effort and bandwidth between the buyer, seller, and manufacturer. Such bandwidth reductions also reduce the cost and required time.

Consumption of goods goes up even at the buyer’s end because what is bought is needed the most. An empirical research approach can predict and categorize the users’ navigation behavior much better with high accuracy than just trying to repeat the past for the future. What artificial intelligence means to eCommerce means to African economies As per PwC, business leaders believe AI is going to be fundamental in the future. In fact, 72% termed it a “business advantage.” In eCommerce, AI-based technologies like big data, machine learning, neural networks, data science, bots, and deep learning (mainly for secured online payments) are currently buzzwords.

These terms are used in BI Intelligence to illustrate the various applications of AI in eCommerce and use case studies to show how this technology has benefited merchants and e-commerce service providers. So under machine learning’s unsupervised learning category of association problems, the best example could be deducing the pattern of consumer behavior or likeness. An example of this could be seen when a store implemented this type of algorithm in its system. It turned out that there was a strong association between male customers who bought a light blue shirt and black trousers and female customers who bought expensive shampoo for their long hair and a good pair of earrings.

To deduce from this statement, males who went out to buy blue shirts also tend to buy black trousers. Illustrating a novel sequence mining approach to automatically identify pre-designated user navigation patterns and seamlessly integrate the back-propagation network (BPN) model Different consumers have varying, and often very specific, requirements for products, needs, expected performance, cost of consumption, the silicon wafer thin kind of cost for the best thing in mind, and other parameters.

Future and eCommerce

By 2025, the artificial intelligence market will surpass $100 billion. Finally, the report weighs the pros and cons of strategies retailers can take to successfully implement AI technologies in their organizations. According to some business insider suggestions, as much as 85% of customer interactions will be managed without a human by as early as 2020. Along with the required size of the frame buffer in e-commerce, artificial intelligence has implications in terms of the amount, type, and speed of processing of orders needed in the design.

The baseline specifications for any customer interaction interface on an e-commerce portal, like all areas of search, i.e., ranking, query understanding, query expansion, and related queries, are explained to machines at the backend using the best algorithms. Once these parameters are determined, the complexity of machine tasks, along with deep learning and other computation tasks, to be supported determines which product family (and member of a given family) is appropriate in a particular situation.

Dramatically better on-site merchandising, i.e., with this, this product goes, or the customer who bought this has also shown interest in this, etc., or simply called recommendation,” are the key drivers of any e-commerce business. To protect the business from anti-social elements Deep learning helps in fraud detection, prevention, velocity measurement, and making better business decisions with a deep understanding of entity resolution (avoid multiple accounts of the same person), image recognition and understanding, concept extraction, sentiment, and trend analysis. This makes buyers’ lives easier to choose and buy. The more data there is, the more issues there are, and the harder it is to check for inconsistencies.

Customer support via bots and customer logistic needs by giving the best anticipatory shipping and cost of shipping a product before an order is placed, time estimation, supply and demand analysis, and forecast Wallet management and funding source optimization Various scheduling methods and optimal resource allocation The applications mentioned above are only a small selection of what machine learning can do for e-commerce, but there are plenty of other options, such as likelihood to purchase, inventory forecasting to make production and distribution more efficient by predicting market demands, interest clustering, and the list is endless.

In 2012, Senegal reported a 3.3% (e-commerce) contribution to its GDP, compared to Sweden’s figure of 6.3%. Africa as a continent has become more connected with new applications, platforms, and services, making e-commerce more accessible and easier to navigate, thereby lowering barriers to entry. Clustering e-commerce customers with respect to their interest (the product, category, or specific item). Furthermore, merchants can easily target the right customer to take action for certain products and categories, i.e., automatically sort products into categories to speed up inventory management and improve customer navigation.

Digital Transformation From Desktop to Mobile Phones

New digital products such as mobile applications and games with mobile payments at the backend are delivering new growth areas for developing countries. Other initiatives are already producing innovative web-based applications and dynamic new business models. For now, the internet in Africa remains a wide-open space where companies can capture large opportunities if they move rapidly and decisively.

The e-commerce process can be divided into four stages: information gathering, agreement, transaction, and delivery. These stages apply equally to B2C and B2B e-commerce. At each stage, there are potential implications for consumers, enterprises, and other organizations, as well as governments. Most exciting of all are the possibilities for using the internet to revamp the delivery of education, health, and other public services—transforming lives in the process.

McKinsey offers a new and insightful way to estimate the importance of e-commerce, known as GDP, which measures the percentage that e-commerce contributes to the GDP of a country. GDP presents a realistic picture of how e-commerce shapes the economy of a country.

Components of e-commerce

Which side do you sit? – eCommerce will surely boost the African economies but to fully exploit the potential, we need to answer a very important question; Which side we put our self to boost our eCommerce business and its growth to help economy?
  • Payments – mobile payments, eBanking and cards
  • Money Transfer
  • Procurement & Transport
  • Trading (Buy & Sell)
  • Backend intelligence technologies i.e artificial intelligence etc.

The internet’s contribution to Africa’s overall GDP is low. Senegal, South Africa and Kenya, though not the continent’s largest economies, are in the lead. Short term opportunities – In Zimbabwe, there are lots of opportunities for eCommerce stores to provide good quality and much needed products such as

  • Fast Moving Consumer Goods – FMCG
  • Food and groceries
  • Internet and data services
  • Low cost electronics goods (mobile handsets, laptops and other devices)
  • Software services
  • Online tech-support
  • Travel and leisure
  • Online/mobile booking for professional services.

How to recommend how much to spend and what Augmented experience give very succinct response to this with artificial intelligence combination with other data intelligence.

Shopping, of course, is not the only industry to leverage recent advances in machine learning. The list of companies and industries is growing by the day in addition to the various applications of machine learning. Common applications of machine learning in today’s technology include voice recognition, fraud detection, email spam filtering, text processing, search recommendations, video analysis, etc. In addition, these current technologies are being improved daily, with these improvements being fuelled by greater data analytics, reduction in the cost of computation, and advancements in the state of the art of machine learning research.

Just to elaborate one item from the above list in African markets and opportunities are even more dramatic – In just the past five years, Africa’s mobile phone market has expanded to become larger than either the EU or the United States with some 650 million subscribers. At the same time, Internet bandwidth has grown 20-fold as hundreds of thousands of kilometers of new cables have been laid across the continent to serve an increasing number of its 1.2 billion Africans

There are 2 sides of the eCommerce coin, either in front of as consumer or at the back as a service provider and for any economy to scale up and serve better, the service providers need to focus and should serve more local requests for all types of services and have front facing requests coming from across the globe.

  • Payment infrastructure availability – Africa has payment instruments such as e- wallets and m-wallets
  • Local goods delivery
  • Diaspora dependent house holds – Africa has very high percentage of diaspora dependency, which can be, optimize in good way to use ecommerce.
  • Bulk buy and sell in small quantities in direct to consumer from manufacturer or producers or stockers
  • Prepaid iirtime top-ups, airtime credit (loan) and micro loans through mobile money.
  • Along with many players in the payment jungle it is very easy to conclude that cash is expensive to handle and cheques are due to be phased out very soon. Individuals and corporates need electronic methods of completing payments, most of which will involve mobile technology which is easy, fast, low cost and quick.
  • Smartphones will contribute and penetrate this area of transactions and most of the payment services offered will be online i.e USSD, SMS, Mobile App.
  • Utility bill payments, the third most commonly offered product by mobile money providers which represents the second largest contribution to the global product mix by value. Bill payments like water, electricity, internet, gas, school fees
  • A number of small card readers and associated applications are being developed for smartphones this means the big and bulky POS machines which are costly in CAPEX and OPEX might soon be phased out
  • Cross Border remittances in under a minute, which should be very cheap and flexible in terms in accessibility.
  • Merchant Payments – an important and crucial key success factor for this 3 trillion euros market.
  • Contactless payment systems based on near field communication (NFC), QR or scan codes will contribute and offer a viable alternative for low value transactions in developed countries.
  • Hospitals, schools and colleges will need to provide alternative payments technologies, as cash, internet and cheques will be phased out due to speed and cost.
  • Railway stations, bus terminals, movie theatres, game show, events and all mass sales need to come on mobile payments.
  • How to ensure all daily sales of water bottles, soft drinks and all micro payments comes to mobile

No – To explain the reason we need to look at history and current market trends.

  • Limited adoption of ICT in SMEs & Lack of dynamism between ICT firms and SMEs.
  • Old payment instrument still plays and sound very well – It is found that many people are still using the old way of making payments; the popular method of payment, which is physical cash payments.
  • Feel & Touch – Prefer to feel and touch the product before committing payment or my dollar.
  • Trust – Trust on online products is still very low along with using my payment details on online store
Designing adaptive hypermedia for internet portals that provides personalization strategy featuring case base reasoning with compositional adaptation. working well in todays time of ecommerce. Mining consumer navigation history for recommendation with neural network techniques can always help in making better business model. There was few discussion to mention here about the topic. ..


Conclusion – Before we conclude we need to find answer for “Is Africa reaping the rewards? Or in short is Africa ready for such business? The answer is Yes – Saying yes can be very immature at this juncture but as there is possibility and hope for increased activity. There is potential not just from internet mode eCommerce but from mobile commerce due to the high penetration of internet and mobile phones in the global markets.

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Posted by V Sharma

A Technology Specialist boasting 22+ years of exposure to Fintech, Insuretech, and Investtech with proficiency in Data Science, Advanced Analytics, AI (Machine Learning, Neural Networks, Deep Learning), and Blockchain (Trust Assessment, Tokenization, Digital Assets). Demonstrated effectiveness in Mobile Financial Services (Cross Border Remittances, Mobile Money, Mobile Banking, Payments), IT Service Management, Software Engineering, and Mobile Telecom (Mobile Data, Billing, Prepaid Charging Services). Proven success in launching start-ups and new business units - domestically and internationally - with hands-on exposure to engineering and business strategy. "A fervent Physics enthusiast with a self-proclaimed avocation for photography" in my spare time.

One Comment

  1. Cynthia- US eCommerce Team at

    I have never seen any better article or blog post then this million dollar information for free…. thank you for this


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