PLATFORM PROFILESCOM.NR
M-Pesa
8.16
B-index (V3.1)
BLACK HOLE
Capture2.316
Escape0.284
Key Structural Insight
91% Kenya mobile money
Eleven-Parameter Profile
Data Depth8/10
Memory8/10
Action9/10
Process10/10
Network9/10
Closeness9/10
Portability2/10
Substitutability3/10
Human Fallback3/10
Org Depth8/10
Momentum5/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.8731 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.8000 | √(d · m) |
| Operability synergy σₒ | 0.9487 | √(a · p) |
| Synergy boost | 1.2623 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.4000 | 1 + 0.5·o |
| Momentum multiplier | 1.1500 | 1 + 0.3·t |
| Total Capture | 2.3155 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.2644 | CES(x, s, h) |
| Feedback attenuation | 0.6944 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.2836 | ε + escCore · feedback |
| B = Capture / Escape | 8.16 | 2.316 / 0.284 |
Scoring Rationale
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE9+1.81
PORT2-1.61
FALL3-1.28
SUB3-1.28
DATA8+0.73
MEM8+0.73
ACT9+0.69
ORG8+0.58
NET9+0.56
MOM5+0.43
PROC10+0.33
+ raises B (deepens lock-in)− lowers B (aids escape)
Comparable Platforms — Fintech & Payments (12 peers)
| # | Platform | Ticker | B-index | Zone | |
|---|---|---|---|---|---|
| 01 | Visa | V | 8.82 | BLACK HOLE | Profile → |
| 02 | Mastercard | MA | 8.14 | BLACK HOLE | Profile → |
| 03 | Nubank | NU | 5.21 | BLACK HOLE | Profile → |
| 04 | Adyen | ADYEN.AS | 5.10 | BLACK HOLE | Profile → |
| 05 | Stripe | Private | 3.67 | BLACK HOLE | Profile → |
| 06 | Plaid | Private | 2.89 | BLACK HOLE | Profile → |
| 07 | Revolut | Private | 2.87 | BLACK HOLE | Profile → |
| 08 | Block (Square) | XYZ | 2.81 | BLACK HOLE | Profile → |
| 09 | Wise | WISE.L | 1.80 | EVENT HORIZON | Profile → |
| 10 | Marqeta | MQ | 1.52 | EVENT HORIZON | Profile → |
| 11 | Robinhood | HOOD | 1.16 | TRANSITION | Profile → |
| 12 | PayPal | PYPL | 1.14 | TRANSITION | Profile → |