“…The BOP market differs from the top‐of‐the‐pyramid (TOP) market because it is often handicapped by lack of electricity, poor infrastructure, political instability, economic restraints (e.g., low GDP and high inflation), low literacy rates, low penetration of formal financial services, low income and financial literacy levels, and underdeveloped technology ecosystems (Hasan, Lowe, & Rahman, ; Prahalad, ; Rogers, ; Saal et al, ). These restraints must be considered when conducting business in this market.…”