Designing Scalable Mobility Asset Frameworks for Informal Economies

Commercial transport systems in many developing economies operate through informal, relationship-based arrangements that substitute personal trust for formal enforcement. While these systems function at small scales, they expose asset owners and investors to high risks of default, theft, and operational inefficiency when expanded beyond localized networks. At the same time, slow judicial processes and weak contract enforcement render conventional legal frameworks economically impractical for daily transport operations.This research proposes a scalable, private-sector framework for managing mobility assets in informal economies by replacing interpersonal enforcement with system-enabled compliance. The framework reconceptualizes vehicles as productive workstations, where access, usage, and progression are governed by structured agreements, behavioral data, and automated controls rather than coercion or state intervention. By embedding compliance into system design through access control, payment confirmation, and performance-based progression the model aligns the incentives of investors, drivers, and operators.Beyond risk reduction, the framework demonstrates how trust can be formalized and monetized, enabling non-bank credit scoring for drivers, predictable capital recovery for investors, and operational scalability across regions. Scenario analysis suggests that when consistently applied, the framework can improve asset utilization, stabilize returns, and lower enforcement costs, making commercial transport a more bankable and investable sector.The framework is presented as a testable, modular concept, adaptable to varying legal, cultural, and economic contexts across African markets. Rather than prescribing policy or technology platforms, this work offers a governing logic for private actors seeking sustainable profitability within structurally informal transport ecosystems.