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Journal articles on the topic 'M-PESA'

Author: Grafiati

Published: 4 June 2021

Last updated: 12 June 2025

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1

Tuwei, David, and Melissa Tully. "The role of change agents in the adaptation and use of mobile money services in Kenya." Journal of African Media Studies 13, no. 1 (2021): 89–102. http://dx.doi.org/10.1386/jams_00035_1.

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Kenya’s M-Pesa has arguably become the most recognizable symbol of mobile money globally. The success of M-Pesa can be partially attributed to Safaricom’s continuous product innovation. However, few studies have examined the role of M-Pesa employees (called agents) in the adaptation of M-Pesa. To address this gap, we explore the role of M-Pesa agents in Kenya’s mobile money ecosystem by using observations and interviews with agents in Western Kenya. Drawing on technology adaptation and using literature, we explore the role of M-Pesa agents as innovators and facilitators of mobile money services. Findings suggest that although Safaricom expects agents to follow certain protocols, agents revealed that they push back on these expectations by bending corporate procedures to align with the social, economic and cultural realities of their customers. As such, they play a key role in the innovation and adoption process, and arguably, have contributed to the long-term success of M-Pesa.

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2

Czernichowski, Konrad. "Rozwój płatności mobilnych M-PESA w Tanzanii." Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu, no. 523 (2018): 120–27. http://dx.doi.org/10.15611/pn.2018.523.10.

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3

Prashaant, Anu, and Nikhil Sharma. "Vodafone's M-Pesa- A Mobile Wallet Revolution." FIIB Business Review 4, no. 2 (2015): 26–29. http://dx.doi.org/10.1177/2455265820150204.

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4

Cassim, Mariam, and Linda Ronnie. "M-Pesa: an evolution in organisational strategy." Emerald Emerging Markets Case Studies 5, no. 8 (2015): 1–11. http://dx.doi.org/10.1108/eemcs-03-2015-0028.

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Subject area Change Management. Study level/applicability Postgraduate business courses, including MBA courses in change management and human resource management. Case overview This case study emphasises how important it is for organisations operating in today's turbulent and rapidly changing business environment to have an emergent approach to change. It focuses on the dilemmas faced by Hemmanth Singh, the newly appointed Managing Executive responsible for Mobile Commerce at Vodacom South Africa. Singh is responsible for the execution of the new strategy into financial services, the relaunch of M-Pesa into the South African market being the immediate task. The case sets the context for the relaunch of M-Pesa, and the reader is introduced to some of the limitations and challenges experienced by the company when trying to replicate a successful business model from one market to another, especially after an unsuccessful initial launch. Expected learning outcomes After reading and analysing the information contained in the case study and appendices, students should be able to evaluate the critical role that leadership needs to play when introducing and implementing a change initiative at an organisation that is stimulated by evolving external market conditions; understand the importance of adopting an emergent approach to change in current operating conditions; identify the factors that contribute to or hinder the creation and sustainability of an adaptive culture within an organisation; and appreciate the challenges of attempting to replicate a successful business model from one market into another. Supplementary materials Teaching Notes are available for educators only. Please contact your library to gain login details or email support@emeraldinsight.com to request teaching notes.

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Kapoor, Mudit, Jonathan Morduch, and Shamika Ravi. "From Microfinance to m-Finance Innovations Case Discussion: M-PESA." Innovations: Technology, Governance, Globalization 2, no. 1-2 (2007): 82–90. http://dx.doi.org/10.1162/itgg.2007.2.1-2.82.

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Hahm, Yukun, Youngsoo Youn, Hansoo Kang, and Jinsung Kim. "Emerging IT Services Model : Cloud Business Model, Focused on M-Pesa Case." Journal of the Korea society of IT services 11, no. 3 (2012): 287–304. http://dx.doi.org/10.9716/kits.2012.11.3.287.

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7

Denisenko, M., and O. Petrivsky. "M-PESA PAYMENT SYSTEM IMPACT ON KENYA'S ECONOMY." Agrosvit, no. 11 (June 18, 2020): 58. http://dx.doi.org/10.32702/2306-6792.2020.11.58.

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8

Mas, Ignacio, and Olga Morawczynski. "Designing Mobile Money Services Lessons from M-PESA." Innovations: Technology, Governance, Globalization 4, no. 2 (2009): 77–91. http://dx.doi.org/10.1162/itgg.2009.4.2.77.

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9

Nery, Diogo Palheta. "Explaining the success of a multinational company's innovation in the base of the pyramid: m-pesa in Kenya." Independent Journal of Management & Production 12, no. 2 (2021): 526–56. http://dx.doi.org/10.14807/ijmp.v12i2.1311.

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In the beginning of the twenty-first century, C. K. Prahalad launched a new business proposition named as “Base of the Pyramid” (BOP). In such type of business, Multinational Companies (MNCs) look for new opportunities of profits helping to meet the poor’s unmet needs in developing countries. However, MNCs significant involvement in BOP business has been losing momentum due to the challenges MNCs have been faced in developing BOP businesses. This study intended to recall Prahalad’s original BOP proposal explaining the success of a BOP innovation developed by an MNC in Kenya: M-PESA, a mobile money service. About 70% of Kenya’s adult population has M-PESA accounts and M-PESA’s monthly transactions account for 30% of Kenyan GDP. How did a multinational company develop the successful BOP innovation M-PESA in Kenya? Our study intends to explain how the British multinational Vodafone employed successful Base of the Pyramid principles of innovation in Kenyan M-PESA. Indeed, there is a gap of studies about the Prahalad’s principles of innovation for developing BOP products. Therefore, this research analyzed Prahalad’s BOP proposal, including his twelve principles of innovation to develop BOP products, by comparing such proposal with Karnani’s framework for fighting poverty. Karnani is regarded as the main critic against the Prahalad’s BOP proposal. Most of Prahalad’s BOP principles of innovation were identified in M-PESA in Kenya (eleven out of the twelve principles). However, Karnani’s framework explained better the factors that influenced successful BOP innovation in Kenyan M-PESA than Prahalad’s proposal. Furthermore, this study pointed out two key points that explained the success of M-PESA innovation in Kenya that they were not included neither in Prahalad’s nor in Karnani’s proposals: social intrapreneurship made by MNCs employees, and supportive role of government in developing BOP businesses. Therefore, such topics deserve more attention from the BOP literature in order to advance this field.

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10

Osah, Olam, and Michael Kyobe. "Predicting user continuance intention towards M-pesa in Kenya." African Journal of Economic and Management Studies 8, no. 1 (2017): 36–50. http://dx.doi.org/10.1108/ajems-03-2017-148.

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Purpose The purpose of this paper is to integrate established information systems theories (post-acceptance model (PAM) and task-technology fit (TTF)) to model and test determinants of user continuance intention within Kenya toward a proliferated mobile money service called M-pesa. Design/methodology/approach A positivist method informed the design of the study. A survey instrument was developed and administered amongst M-pesa users in Kenya, yielding 618 responses. Selection of users followed a systematic sampling technique. Afterwards, structural equation modelling (SEM)-partial least squares (“SEM-PLS”) was used to examine the measurement and structural model of the study. Findings The results revealed an unexpected finding that TTF’s utilization has a stronger path coefficient than PAM’s satisfaction in predicting user continuance intention toward M-pesa. This is contrary to most extant literature reports that satisfaction is the dominant predictor of usage continuance. Also, unexpected, the results revealed a lack of significant influence between the PAM’s post-usage usefulness (PUU) and satisfaction. Again, the relationship between PUU and satisfaction in most extant studies is reported as significant. Originality/value The study suggests that saliency order of determinants of user continuance intention could differ within the developing world and developed world.

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11

Omigie, Newman O., Hangjung Zo, Jae Jeung Rho, and Andrew P. Ciganek. "Customer pre-adoption choice behavior for M-PESA mobile financial services." Industrial Management & Data Systems 117, no. 5 (2017): 910–26. http://dx.doi.org/10.1108/imds-06-2016-0228.

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Purpose The purpose of this paper is to extend the theory of consumption values by investigating the influence of aesthetic, conditional, convenience, monetary, epistemic, self-gratification, and social value on customer pre-adoption choice behavior to use mobile financial services. Design/methodology/approach Data were collected using an online survey questionnaire resulting in 524 total responses from registered users of M-PESA mobile financial services in Kenya, ultimately resulting in a usable sample of 384 responses. Partial least squares was used to evaluate the research model and associated hypotheses. Findings Aesthetic, conditional, convenience, monetary, epistemic, and self-gratification value are positive determinants of customer pre-adoption choice behavior to use M-PESA mobile financial services, but not social value. Research limitations/implications Survey participants were limited to customers of M-PESA mobile financial services in Kenya. The study findings present important implications for managers and academic researchers in the mobile financial services market. Originality/value This is one of the first empirical studies to investigate customer pre-adoption choice behavior to use M-PESA mobile financial services from the perspective of customer perceived value.

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12

Hove, Leo, and Antoine Dubus. "M-PESA and Financial Inclusion in Kenya: Of Paying Comes Saving?" Sustainability 11, no. 3 (2019): 568. http://dx.doi.org/10.3390/su11030568.

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Mobile financial services such as M-PESA in Kenya are said to promote inclusion. Yet only 7.6 per cent of the Kenyans in the 2013 Financial Inclusion Insights dataset have ever used an M-PESA account to save for a future purchase. This paper uses a novel, three-step probit analysis to identify the socio-demographic characteristics of, successively, respondents who do not have access to a SIM card, have access to a SIM but do not have an M-PESA account, and, finally, have an account but do not save on it. We find that those who are excluded in the early stages are predominantly poor, non-educated, and female. For the final stage, we find that those who are in a position to save on their phone—the phone owners, the better educated—are less likely to do so. These results go against the traditional optimistic discourse on mobile savings as a prime path to financial inclusion. As such, our findings corroborate qualitative research that indicates that Kenyans have other needs, and want their money to circulate and ‘work’.

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13

Natile, Serena. "Regulating exclusions? Gender, development and the limits of inclusionary financial platforms." International Journal of Law in Context 15, no. 4 (2019): 461–78. http://dx.doi.org/10.1017/s1744552319000417.

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AbstractDigital financial-inclusion platforms have gained increasing attention as instruments for economic growth that also contribute to development goals such as poverty reduction and gender equality. One of the most acclaimed digital financial platforms to date is M-Pesa (M for mobile, pesa is Swahili for money) in Kenya – a mobile-phone-enabled money-transfer service realised via a public–private partnership between the UK's Department for International Development, Vodafone and its local partner, Safaricom. Since its launch in 2007, M-Pesa has grown at a phenomenal rate and it is now used by over 70 per cent of the Kenyan population. Bringing together socio-legal enquiry, feminist political economy analysis and post-colonial literature, this paper discusses M-Pesa's inclusionary regulatory arrangements and examines their implications for gender equality. It shows that, while these arrangements contribute to including women in the formal financial system, they fail to adopt the redistributive measures necessary to address the gendered socio-economic disadvantages that cause and reproduce financial exclusion.

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14

Chen, Yan Min, Cai Xia Sun, Hui Wu Xu, Jin Ying Wu, and Chang Shan Huang. "Preparation and Performance Research of the Environment-Friendly Corrosion and Scale Inhibitor." Advanced Materials Research 881-883 (January 2014): 604–9. http://dx.doi.org/10.4028/www.scientific.net/amr.881-883.604.

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A new non-phosphorus composite water treatment agent m (PASP) : m (PESA) : m (HPMA) : m (BTA) = 8:12:10:5 was developed from polyaspartic acid (PASP), polyepoxysuccinic acid (PESA), hydrolyzed polymaleic anhydride (HPMA) and benzotriazole (BTA). The performance of corrosion and scale inhibition were evaluated by rotary hanging-piece, electrochemical and bubble experiments. The corrosion testing piece was characterized by SEM. The results show that the new environment-friendly composite water treatment agent has good performance of corrosion and scale inhibition. Further dynamic simulated test also indicates that the water treatment agent meet the use demand of circulating cooling water.

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15

Nair, Malavika, and Rahimat Emozozo. "ELECTRONIC CURRENCY IN AFRICA: M-PESA AS PRIVATE INSIDE MONEY." Economic Affairs 38, no. 2 (2018): 197–206. http://dx.doi.org/10.1111/ecaf.12292.

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16

Burns, Scott. "M-Pesa and the ‘Market-Led’ Approach to Financial Inclusion." Economic Affairs 38, no. 3 (2018): 406–21. http://dx.doi.org/10.1111/ecaf.12321.

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17

Mugambi, Allan, Christopher Njunge, and Samuel C. Yang. "Mobile-Money Benefits and Usage: The Case of M-PESA." IT Professional 16, no. 3 (2014): 16–21. http://dx.doi.org/10.1109/mitp.2014.38.

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18

Park, Emma. "‘Human ATMs’: M-Pesa and the expropriation of affective work in Safaricom's Kenya." Africa 90, no. 5 (2020): 914–33. http://dx.doi.org/10.1017/s0001972020000649.

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AbstractThis article explores the austere labour regime of Safaricom – Kenya's largest telecommunications firm and financial services provider – from the perspective of the women and men who work as ‘human ATMs’ for Safaricom's breakout service, M-Pesa. Far from women and men simply acting as ATMs, I argue that the affective and social labour of these people working at sites across the country constitutes a form of maintenance work that, while essentially free in Safaricom's accounts, critically underwrites the success of M-Pesa and Safaricom. In making this argument, I draw on the insights of feminist political theorist Nancy Fraser, who has pushed Marx's key insight that behind the sphere of exchange lies the ‘hidden abode’ of production. In contrast, Fraser argues that behind the ‘hidden abode’ of production lie domains more hidden still that constitute the ‘backstory’ of contemporary forms of accumulation. I argue that the work of ‘human ATMs’ constitutes both the ‘front story’ and the ‘backstory’ of contemporary modes of accumulation unfolding in Kenya. Their labour is formally exploited while broader forms of work required to build and maintain the social and material networks on which Safaricom depends are expropriated, forming the basis of new frontiers of accumulation. This process is mirrored in Safaricom's contemporary business strategy, which is premised on enclosing people's everyday habits and social networks in their digital forms as sites of innovation and market-making.

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19

Ariguzo, Godwin C., and D. Steven White. "Exploring demographic differences in the adoption of mobile money: M-PESA in Kenya." International Journal of Electronic Marketing and Retailing 5, no. 4 (2013): 340. http://dx.doi.org/10.1504/ijemr.2013.060265.

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20

Kiggundu, Moses N., and Frederick Onyango Ogola. "Kenya’s Safaricom, Ceo Bob Collymore and M-Pesa: Extended Notes from Keynote Address." Africa Journal of Management 3, no. 1 (2017): 30–52. http://dx.doi.org/10.1080/23322373.2017.1304630.

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21

Bregu, Elvis, and Bitila Shosha. "The Diffusion of M-Pesa in Developing Countries: Convergence Program Lead Vodafone Albania Sh.a, Tirane, Albania." European Journal of Economics and Business Studies 5, no. 2 (2019): 43. http://dx.doi.org/10.26417/ejes.v5i2.p43-47.

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The purpose of this study is to investigate whether this kind of innovative service was successful in all developing countries. Prior to the introduction and implementation of M-Pesa, people used a variety of formal and informal channels to save or send money to others. It is supposed that through mobile money technology, the population currently out of the reach of financial services will be integrated as formal players into the market and that informal ways of transferring money will be reduced (Jenkins, 2008). Financial inclusion is an issue that has gathered a lot of attention among policymakers and researchers and is referred to as a process that guarantees ease on access, availability and also the usage of banking services for all householders of a country (Sarma, 2010). Without doubt, the introduction of M-Pesa in Kenya has deeply changed the way through which transactions occur. Based on the review of the literature but also the case-studies on the application of M-Pesain Albania and other countries, at the end of the paper we give some important conclusions.

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22

Hughes, Nick, Gautam Ivatury, Jonathan Petrides, and Stuart Rutherford. "Liquidity and Savings in the Age of M-PESA (Innovations Case Narrative: Jipange KuSave)." Innovations: Technology, Governance, Globalization 6, no. 4 (2011): 27–42. http://dx.doi.org/10.1162/inov_a_00098.

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23

Hughes, Nick, and Susie Lonie. "M-PESA: Mobile Money for the “Unbanked” Turning Cellphones into 24-Hour Tellers in Kenya." Innovations: Technology, Governance, Globalization 2, no. 1-2 (2007): 63–81. http://dx.doi.org/10.1162/itgg.2007.2.1-2.63.

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24

Mbiti, Isaac, and David N. Weil. "The Home Economics of E-Money: Velocity, Cash Management, and Discount Rates of M-Pesa Users." American Economic Review 103, no. 3 (2013): 369–74. http://dx.doi.org/10.1257/aer.103.3.369.

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We study the mobile phone-based money transfer system in Kenya. Based on aggregate data, we estimate that the velocity with which units of e-money are transferred among users is approximately four times per month, and that the average number of transfers undergone by a unit of e-money between its creation and destruction is approximately one. Most M-Pesa transactions are made by frequent users. Examination of data on withdrawals shows a high frequency of small withdrawals and no response to “notches” in the price schedule, indicating that many users seem to have high implicit discount rates.

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O. de Sousa, Wesley, Lincey E. Sousa, Fátima R. J. da Silva, Wildio I. da Graça Santos, and Rodrigo Aranda. "Composition and structure of the frugivorous butterfly community (Lepidoptera: Nymphalidae) at the Serra Azul State Park (PESA), Mato Grosso, Brazil." Zoologia 36 (May 14, 2019): 1–10. http://dx.doi.org/10.3897/zoologia.36.e27708.

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Due to the important ecological role of Nymphalidae as consumers of fermented fruits, excrement, exudates of decomposed plants and animals, as well as bioindicators of environmental quality that attract the interest of the general public, this study aimed to characterize the fauna of frugivorous butterflies at the Serra Azul State Park – PESA (Mato Grosso, Brazil) with regards to composition, taxonomic richness and spatial distribution. Collections were carried out in 2014 from six 250 m plots in a RAPELD module (5x5 km). We defined five sampling points in each plot and placed a Van Someren-Rydon trap (VSR), with a bait made from banana fermented in cane juice, positioned 1 m above the ground for 24 hours. We collected 204 specimens of Nymphalidae from five subfamilies, 22 genera, and 40 species. Satyrinae was the most abundant and species-rich subfamily. The community structure varied spatially, with the gallery forest presenting the greatest richness, diversity, and equitability, while ‘cerrado ralo’ presented higher abundance and less diversity and equitability. Therefore, according to the pattern of abundance in the PESA, species were best adapted to the log series model. Yphthimoidesrenata (Stoll, 1780) (Satyrinae), Hamadryasferonia (Linnaeus, 1758), and Callicoresorana (Godart, 1824) (Biblidinae) were the most abundant species, 19 species were singletons, and eight were doubletons. Richness estimators showed that 63% of all species were sampled. Our results indicate that the frugivorous butterfly community is structured according to phytophysiognomies, and the dominance of species that are tolerant to disturbances indicates landscape fragmentation within the PESA, which interferes with species substitution pattern and their abundances in different environments of the park.

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Guma, Prince K. "Incompleteness of urban infrastructures in transition: Scenarios from the mobile age in Nairobi." Social Studies of Science 50, no. 5 (2020): 728–50. http://dx.doi.org/10.1177/0306312720927088.

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Work in policy and research circles tends to depict urban infrastructural heterogeneity as synonymous with failure or brokenness. Inherent in this tendency is the often-subtle expectation that infrastructures should evolve as do their counterparts elsewhere, or in a linear trajectory from less complete to more complete arrangements. This article opposes such completist lures and inclinations. I recuperate the notion of incompleteness as a constitutive feature and explanatory category for urban infrastructures that, while diverging from so-called norms and ideals, cannot be described as failed or broken. I argue that, rather than devising universalizing solutions to processes of infrastructural heterogeneity, it is perhaps better to see infrastructures as emergent, shifting and thus incomplete. I make this case looking at three successive infrastructures in Nairobi: the Simu ya Jamii kiosk, the M-Pesa stall and the M-Pesa platform. I examine these infrastructures not simply as raw materials or empirical conduits, but as the very starting point in theorizing urban infrastructures from the South. Ultimately, this study not only opens up a vital frame for situated analysis and understanding of urban infrastructures in transition, it also adds to and extends STS analytical frames into non-Northern contexts.

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Wellen, Lukas, and Meine Pieter van Dijk. "Frugal financial innovations for inclusive finance: the experience with customer care at M-Pesa in Kenya." Enterprise Development and Microfinance 29, no. 3-4 (2018): 262–75. http://dx.doi.org/10.3362/1755-1986.00016.

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28

Morawczynski, Olga. "Exploring the usage and impact of “transformational” mobile financial services: the case of M-PESA in Kenya." Journal of Eastern African Studies 3, no. 3 (2009): 509–25. http://dx.doi.org/10.1080/17531050903273768.

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29

Onsongo, Elsie. "Institutional entrepreneurship and social innovation at the base of the pyramid: the case of M-Pesa in Kenya." Industry and Innovation 26, no. 4 (2017): 369–90. http://dx.doi.org/10.1080/13662716.2017.1409104.

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30

Mulwa, Martina, and Ndeti Ndati. "Integrated Marketing Communication and Technology Adoption: A Case of Safaricom's M-PESA Mobile Money Transfer Services in Kenya." African Journal of Science, Technology, Innovation and Development 5, no. 5 (2013): 363–71. http://dx.doi.org/10.1080/20421338.2013.829297.

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31

Campo Salazar, Oscar Ivan, and María Isabel Montenegro Muñoz. "Propuesta de un nuevo diseño de órtesis post-tratamiento de pie equino varo congénito." Revista Colombiana de Rehabilitación 17, no. 2 (2018): 112–26. http://dx.doi.org/10.30788/revcolreh.v17.n2.2018.338.

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La investigación tuvo como objetivo rediseñar la órtesis utilizada post-tratamiento Ponseti, en niños con pie equino varo congénito, de forma tal que permita la reducción de rechazo a su uso. Método: Se identificaron las necesidades de los niños con pie equino varo congénito, para verificar los inconvenientes con respecto a la funcionalidad, diseño y adaptabilidad a la órtesis dado que si la férula no se usa adecuadamente el riesgo de recidiva es de 80 %, por el contrario con el uso de la férula el riesgo es de 4 %. Se realizó un estudio biomecánico del movimiento de un paciente durante el gateo, con y sin la órtesis. Resultados: Se elaboró un modelo 3D de la propuesta, para simular el diseño sometido a las fuerzas generadas por los bebés durante el pataleo en posición supina. Se evaluó experimentalmente el desempeño del prototipo alfa, para determinar si cumplía con la meta prevista. Se obtuvo la fabricación y pruebas de la órtesis en plataforma virtual y físico. Acorde al alcance del proyecto, se determinó que es probable que se reduzca el rechazo al uso y por consiguiente la formación de recidiva, al reducir los factores determinantes propios de la férula del mercado, que propiciaban el mal uso de esta en el tratamiento. La velocidad promedio de gateo es de 0.48 m/s y con la férula se reduce a 0.37 m/s. Discusión: La férula del mercado pesa 304.07 g y la propuesta pesa 209.26 g. Se sugiere que se continúe la investigación en el estudio biomecánico.

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Sretenovic, Stanislav. "Les réparations des vaincus, les dettes des vainqueurs: le cas de la France et du Royaume des Serbes, Croates et Slovènes/Yougoslavie." Filozofija i drustvo 20, no. 1 (2009): 223–43. http://dx.doi.org/10.2298/fid0901223s.

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(francuski) S'appuyant sur l'analyse historique des relations entre la France et le Royaume des Serbes, Croates et Slov?nes/Yougoslavie apr?s la Premi?re Guerre mondiale, l'auteur traite de l'application des d?cisions du trait? de Versailles en mati?re ?conomique et financi?re, et montre comment elle pesa sur les relations, non seulement entre les Alli?s et leurs anciens ennemis, mais aussi entre les Alli?s eux-m?mes. Il conclut que la mise en place d'un ordre juste d?pendait de tout un ensemble de solutions concr?tes que les faiblesses du nouveau syst?me international, r?v?l?es d?s sa naissance, rendaient difficiles ? trouver. .

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33

Tyce, Matthew. "Beyond the neoliberal-statist divide on the drivers of innovation: A political settlements reading of Kenya’s M-Pesa success story." World Development 125 (January 2020): 104621. http://dx.doi.org/10.1016/j.worlddev.2019.104621.

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34

Wellen, Lukas, and Meine Pieter Van Dijk. "NEW FINANCIAL TECHNOLOGIES AND 4TH INDUSTRIAL REVOLUTION IN THE THIRD WORLD (THE EXAMPLE OF CUSTOMER CARE OF M-PESA, KENYA)." EUrASEANs: journal on global socio-economic dynamics, no. 2(9) (March 30, 2018): 07–12. http://dx.doi.org/10.35678/2539-5645.2(9).2018.07-12.

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A well-functioning financial sector in developing countries is extremely important for economic development. This requires local institutions, which originally were often state-controlled, but gradually non-state actors conquered the financial market. Recently the growing importance of alternative forms of finance in many African countries has become remarkable. Although often created by donors, their role changed when financial inclusion, economic liberalisation and decentralization became more important. Microfinance institutions started to compete with banks by also offering a broad range of services (loans, savings, transfers, accounts, insurance). This is a frugal innovation (less regulated financial institutions compete with regulated ones at a lower cost). Meanwhile, mobile payment revolution has been taking place in Africa and other developing regions. This article analyzes these developments and suggests that these new financial technologies contribute substantially to the 4th industrial revolution in the third world countries. Financial resources that become more available replaces development initiatives and allows developing countries finance industrial and agricultural revolutions with local money. We will deal in detail with one example – the role of M-Pesa in helping people to be 'financially included' and trying to learn from their experience with customer satisfaction for other countries.

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35

Kingiri, Ann Njoki, and Xiaolan Fu. "Understanding the diffusion and adoption of digital finance innovation in emerging economies: M-Pesa money mobile transfer service in Kenya." Innovation and Development 10, no. 1 (2019): 67–87. http://dx.doi.org/10.1080/2157930x.2019.1570695.

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Msafiri, Christine, and Evod Rimisho. "Examining Factors Influencing Customers Satisfaction with Mobile Financial Services in Tanzania." International Journal of Applied Research in Management and Economics 3, no. 2 (2020): 17–29. http://dx.doi.org/10.33422/ijarme.v3i2.284.

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The financial sector is important to any nation for its economic development. The mobile telecommunication technology in Tanzania for instance has changed the way people perform financial transactions. Customers perform financial transactions using their mobile phones at anytime and anywhere provided that the customer is registered and activated into using the Mobile financial service. However, there are still long queues at the banks for doing financial transactions that could be done using mobile financial service. In order to motivate people into using the MFS, it is then important to ensure to customers derive satisfaction from using the service as it is with the formal banking service or beyond. This study aims at examining the factors influencing the customer satisfaction with mobile financial services in Tanzania. To achieve these objectives the study uses mainly primary data from 105 respondents selected using both purposive and non-purposive sampling techniques. The study employs both descriptive analysis and regression analysis. Descriptive analysis shown that, Tigo pesa, M pesa and Airtel Money are the frequently used MFS with Tigo pesa being leading. Majority of customers are satisfied with MFS (70%), and Mobile Network Operators are concentrating on making sure customers are satisfied by educating them on how to use MFS, ensuring network is reliable, lowering transaction charges and improving customer care, among others. The logistic estimates indicate that, Age, Gender, Employment, Customer care, Network availability, Meet needs, and Education are significant factors that influence customer’s satisfaction with frequently used MFS in Tanzania. The probability of a customer to be satisfied with MFS is higher if MFS meet needs of a customer, the customer is employed, gets good customer care, male, and if the network is available. From these findings, it is advised that any strategy targeting to make customers more satisfied with MFS should consider Customer care, Network availability, and needs of the customers. Also policies and programs that enhance employment are vital in making majority of people secure jobs and finally satisfied with MFS.

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Ngugi, Benjamin, Matthew Pelowski, and Javier Gordon Ogembo. "M-pesa: A Case Study of the Critical Early Adopters’ Role in the Rapid Adoption of Mobile Money Banking in Kenya." Electronic Journal of Information Systems in Developing Countries 43, no. 1 (2010): 1–16. http://dx.doi.org/10.1002/j.1681-4835.2010.tb00307.x.

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Bateman, Milford, Maren Duvendack, and Nicholas Loubere. "Is fin-tech the new panacea for poverty alleviation and local development? Contesting Suri and Jack’s M-Pesa findings published inScience." Review of African Political Economy 46, no. 161 (2019): 480–95. http://dx.doi.org/10.1080/03056244.2019.1614552.

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Omigie, Newman O., Hangjung Zo, Andrew P. Ciganek, and Suprasith Jarupathirun. "Understanding the Continuance of Mobile Financial Services in Kenya." Journal of Global Information Management 28, no. 3 (2020): 36–57. http://dx.doi.org/10.4018/jgim.2020070103.

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This study develops an integrated model that extends the means-end theory with customer value research and examines continuance intention towards using mobile financial services. A large-scale online questionnaire targeting M-PESA customers in Kenya was employed to analyze the research model. The results indicate that utilitarian and hedonic values affect continuance intention. Hedonic and personal values impact customer satisfaction, while customer satisfaction influences continuance intention. Customer satisfaction mediates the indirect effects of hedonic and personal values on continuance intention. This study presents a value-based framework to examine the hierarchical influences of customer value on attitudes and outcome behaviors. This study offers several research contributions as well as insights for practitioners to enhance mobile financial services for sustained adoption, use, economic and developmental success.

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Matanji, Frankline. "WhatsApp and Mobile Money: Ameliorating Crowdfunding for Social Change in Kenya." Asia Pacific Media Educator 29, no. 2 (2019): 237–48. http://dx.doi.org/10.1177/1326365x19894780.

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Use of WhatsApp as a social media technology and M-pesa, a mobile money service for crowdfunding in Kenya are proliferating at an incredible pace. Crowdfunding helps communities organize for effective participation in social and economic development and empowerment by making sure that members of the community get to benefit from services, such as access to social amenities and better infrastructure, which would not have been available if the community members were to wait for the government to provide the services. This method is being used at Kisii University for students’ retention and providing social welfare to students, their parents and university staff. The approach adopted by this study was qualitative inductive research, where the researcher had a one-on-one interview session with creators of crowdfunding campaigns and the funders using Skype and phone calls as interview tools.

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Wangari Nderitu, Peris, Mattias Jonsson, Esther Arunga, Mark Otieno, John Jamleck Muturi, and Geoffrey O. Wafula. "Combining Host Plant Resistance, Selective Insecticides, and Biological Control Agents for Integrated Management of Tuta absoluta." Advances in Agriculture 2020 (August 7, 2020): 1–8. http://dx.doi.org/10.1155/2020/6239491.

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Combination of pest management strategies that minimize pesticide use and conserve natural enemies is important for a sustainable environment. Overreliance on synthetic insecticides in the management of Tuta absoluta has led to pesticide resistance leading to difficulties in managing the pest. In this regard, alternative measures need to be put in place to reduce the effects of this pest. The objective of this study was, therefore, to assess the effectiveness of host plant resistance, biological control, and selective insecticides when used in combination, in the management of T. absoluta in tomato production. The study was set up in a greenhouse in a completely randomized design involving two tomato varieties, an insecticide (chlorantraniliprole), and a biological control agent(Macrolophus pygmaeus), applied singly or in combination. Data were collected on T. absoluta damage from the lower, intermediate, and upper leaves. The results from this study show that a combination of insecticide with a moderately resistant variety had a significantly lower T. absoluta damage as compared with a susceptible variety combined with an insecticide. However, the moderately resistant variety when combined with insecticide showed no effect when the biological control agent was added. The susceptible variety significantly reduced T. absoluta damage when combined with the biological control agent. These results indicate that treatment combinations in insect pest management can be utilized. The present study results indicate that using a moderately resistant variety (Riogrande VF) in combination with the insecticide chlorantraniliprole (Coragen®) and a susceptible variety (Pesa F1) in combination with the biological control agent (M. pygmaeus) can improve T. absoluta management. Under good habitat management, the susceptible variety will perform equally as the moderately resistant variety due to suppression of the T. absoluta populations by natural enemies. These findings show the importance of environmental conservation both by enhancing natural enemy abundance and use of selective insecticide in the management of T. absoluta in tomato production. Combinations in this present study are likely to reduce insecticide doses, thereby reducing the cost of production and enhancing environmental compatibility with natural enemies.

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Prof. Nabea Wendo; Prof. James Ogola Onyango, Jane Kanini Maithya;. "Mbinu za Lugha Zinazotumiwa katika Matangazo ya Biashara ya Kampuni ya Safaricom." Editon Consortium Journal of Kiswahili 2, no. 1 (2020): 125–35. http://dx.doi.org/10.51317/ecjkisw.v2i1.156.

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Matangazo ya biashara hunuiwa kuwajuvya wateja kuhusu kuwepo kwa bidhaa za kampuni mbalimbali na kuwahimiza wanunue bidhaa hizo. Vahid na Esmae’li (2012) wanasema kuwa licha ya kutimiza lengo hilo, matangazo hayo vilevile hunuiwa kuchekesha, kupotosha au kuwadanganya wateja ili wavutiwe na bidhaa inayotangazwa. Hayo hutekelezwa kupitia kwa lugha inayotumiwa. Waundaji huteua mbinu za lugha zilizo na uwezo wa kuwafanya wateja watamani kununua bidhaa hata ikiwa hawazihitaji. Utafiti huu unachunguza mbinu za lugha zinazotumiwa katika matangazo ya biashara ya Kampuni ya Safaricom. Ni kampuni maarufu ya mawasiliano nchini Kenya inayotoa huduma mbalimbali za mawasiliano kama vile uuzaji wa aina mbalimbali za rununu, huduma za intaneti, M-pesa, M-shwari na kadhalika. Kampuni hiyo hutumia mbinu mbalimbali za lugha zinazoundwa kwa ubunifu mwingi kwa nia ya kuvuta nadhari ya wateja wake. Ingawa kuna tafiti mbalimbali zimefanywa kuhusu Kampuni ya Safaricom, hakuna utafiti umechunguza na kuzieleza mbinu hizo kwa kina, pengo ambalo limezibwa na utafiti huu. Data katika makala haya ilipatikana kutoka kwa mtandao wa intaneti ambapo mtafiti alipakua matangazo ya Safaricom aina ya picha na video. Alizitumia kutoa mifano ya mbinu mbalimbali zinazotumiwa kwenye kwenye matangazo hayo. Utafiti ulibainisha kuwa waundaji wa matangazo ya Safaricom hutumia mbinu mbalimbali za lugha zinazoundwa kwa ubunifu wa hali ya juu kwa nia ya kuwajuvya wateja kuhusu kuwepo kwa bidhaa na huduma zao na vilevile kuwavutia wazinunue.

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Begum, Bilkis A., Swapan K. Biswas, and M. Nasiruddin. "Characterization of Chittagong Aerosol by PCA Modeling." Journal of Bangladesh Academy of Sciences 36, no. 1 (2012): 19–31. http://dx.doi.org/10.3329/jbas.v36i1.10907.

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Black carbon and other selected trace elements concentrations in aerosol samples collected at the Continuous Air Monitoring Station (CAMS) in Chittagong, the second largest city in Bangladesh, were investigated for possible source contributions. The particulate matter (PM) sampling was done from end of winter to middle of rainy season (February and July, 2007) using dichotomous sampler. The samples collected in two fractions of <2.5 ?m (fine) and 2.5 to 10 ?m (coarse) were analyzed for elemental concentrations by proton induced X-ray emission (PIXE), hydrogen by proton elastic scattering analysis (PESA), and black carbon by reflectance measurement. The elemental data sets together with black carbon were analyzed by principal component analysis method to identify the possible sources contributing to the mass concentration of coarse and fine particulate matter (FPM) fractions. The best solutions were found to be six and seven factors for coarse and fine fractions respectively, which could explain more than 90% of the variance in the data set. The sources were identified as biomass burning/brick kiln, soil dust, road dust, Zn source, Pb source, motor vehicle, CNG (compressed natural gas) vehicle and sea salt. It was found that in coarse fraction, the sea salt is mixed with Zn source and in fine fraction, the road dust factor is mixed with CNG vehicle source. DOI: http://dx.doi.org/10.3329/jbas.v36i1.10907 Journal of Bangladesh Academy of Sciences, Vol. 36, No. 1, 19-31, 2012

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Foster, Chris, and Richard Heeks. "Innovation and Scaling of ICT for the Bottom-Of-The-Pyramid." Journal of Information Technology 28, no. 4 (2013): 296–315. http://dx.doi.org/10.1057/jit.2013.19.

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Scaling represents successful diffusion that ensures sizeable impact and earnings from information and communication technology (ICT) innovations in emerging markets. Practice can still be shaped by dualistic views - innovation vs diffusion, pilot vs scale-up, lead firm vs other actors, technical vs social. Synthesising the literature that challenges these dualities, this paper creates a systemic perspective that is particularly appropriate for scaling of ICT to bottom-of-the-pyramid (BoP) markets. That perspective is then instantiated through the case study of a successfully-scaled ICT innovation that has reached millions of poor consumers: the Kenyan m-money system, M-Pesa. It finds that scaling of this ICT system can be understood as a four-stage process of exploratory, incremental then aggressive growth, followed by (attempted) standardisation. Throughout these stages of scaling, ongoing adaptive innovations have been fundamental and have been both necessitated and shaped by the BoP context. These innovations have been more socio-technical than technical, and have emerged from a growing variety of actors and locations closer to poor consumers than the lead firm. The lead firm has buffered the unfamiliarity of BoP markets by approaching them through the ‘middle-of-the-pyramid’ and by intensive learning. At times, its planned ‘shifts’ in scaling strategy have triggered adaptive innovations. At other times, emergent innovations and learning lead to incremental ‘drifts’ in lead firm strategy. ICT firms wishing to scale goods and services for BoP markets must therefore recognise the multi-locational, continuous, and emergent nature of innovation, and develop processes to monitor and address those innovations.

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George Gachuru. "Effect of Customer Security on Performance of Online Banking on Microfinance Institutions in Nakuru Town, Kenya." Editon Consortium Journal of Business and Management Studies 2, no. 1 (2020): 49–55. http://dx.doi.org/10.51317/ecjbms.v2i1.120.

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The study aimed at determining the effect of customer security on the performance of online banking on microfinance institutions in Nakuru CBD. The study is significant to the Microfinance Institutions in that; it will benefit management and staff of MFI and the government understudy by gaining insights into how their institution can effectively deal with the challenges that they face in managing their clients and ensuring they grow their business. The increasing number of consumers of online banking shows that the level of adoption of online banking has improved. Several variables can influence the amount of adoption of online banking. The researcher used survey design where the target population comprised of 35 respondents. These were Branch managers, Chief Credit officer/s and the IT support of the MFI in Nakuru CBD. The study used census method, and a questionnaire containing closed-ended questions was used as the data collection instrument for the research. Descriptive statistics were used in data analysis and presentation of the results was in the form of tables, charts and graphs. The findings revealed that security affects the implementation of online banking to a large extent. Based on this finding, the researcher recommended that Microfinance Institutions should improve on issues concerning customer security in that, there should be no delay. The researcher suggested further study should be done on factors affecting adoption of M-Pesa money transfer bill payment.

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Tarus, Sarah, and Dr Dennis Juma. "ROLE OF CASH PLANNING TECHNIQUE ON FINANCIAL PERFORMANCE IN PUBLIC HOSPITALS IN KAJIADO NORTH SUB-COUNTY." International Journal of Finance 2, no. 7 (2017): 1. http://dx.doi.org/10.47941/ijf.166.

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Purpose: The purpose of this study was to determinethe role of cash planning technique on financial performance in public hospitals in Kajiado North sub-county.Methodology: The study adopted a descriptive survey design.The target population for this research study consisted of government/ public hospitals. The target population wasfour government hospitals and medical centres located in townships of Kajiado North sub –county. This study therefore used all the 30 accounts/ finance employees and the 6 six senior medical officer/ superintendents.The questionnaires were distributed via drop and pick and email, also online survey was used and this minimized the problem of non-response rateResults:The study sought to find out how cash planning affects financial performance, the study did confirm that cash planning affects financial performance. The study established that majority of the respondents agreed that indeed cash flow was well managed at these public hospitals. The overall mean obtained on financial performance was 3.95 indicating a strong mean that is leaning towards agree in a five point likert scale. The combined effect model that was computed explained the variation in financial performance of public hospitals in Kajiado north Sub County.Policy recommendation: The study recommended that the there is need to strengthen cash collection avenues by encouraging payment in other forms and move from cash payments, with the advent of M-pesa and cash payments to banks where this can be audited for proper payment systems’, The study also recommended that there is need to digitize accounts records since with the huge number of persons seeking services, it becomes a big challenge to audit all receipts and to do areconciliation between cash and bank. The study further recommended there is need to modernize equipment at these hospitals using these funds/ monies as majority of the operations is funded by the exchequer this is in line with devolution and also in promoting sustainable development goals.

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Kuchmii, O. "INFORMATION COMPONENT OF THE HUMANITARIAN DEVELOPMENT STRATEGIES OF THE ASIAN AND AFRICAN COUNTRIES." Actual Problems of International Relations, no. 138 (2019): 44–57. http://dx.doi.org/10.17721/apmv.2018.138.0.44-57.

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In the context of information development, new opportunities have emerged to solve humanitarian issues by supporting programs for the modernization of developing countries, based on the widespread achievements of science and technology. It is noted in the article that the emergence of new information and communication technologies, bio-and nanotechnologies, their widespread introduction into all spheres of society's life made it possible not only to improve the sphere of information and communication, but also acted as a significant factor in the strengthening of integration and cooperation in various spheres and at different levels of international co-operation. Increasing scale of new technologies using helps to overcome both information asymmetry and the asymmetry of the socio-economic and humanitarian development of the world. The article explored modern approaches to the use of technology for the socio-economic and humanitarian development of some countries in Asia and Africa. The example of the functioning of modern platforms proved that the introduction of «Aadhaar» system helps the Indian government to ensure the integration of socially disadvantaged groups and to overcome informational and socio-economic asymmetries in the country. The emergence of the digital payment platform M-Pesa enables the modernization of payment systems and encourages the development of small business not only in Kenya, but also in other countries of Africa. The functioning of e-commerce platform «Taobao» ensures the modernization and development of the backward regions of China with the traditional economic and social order through the introduction of e-commerce. The article showed that the obvious advantages of the introduction of modern information networks and technologies are expanding the scope of trade, facilitating entrance of small and medium businesses, increasing the efficiency and productivity in almost all sectors of the economy, and creating new jobs. Thus it has been proved that the positive experience of using new technologies in the countries of Africa and Asia can be used to address socio-economic and humanitarian issues in many countries and regions of the world.

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Vasquez-R., Jesús Manuel, and Joan Stiven Bocanegra-M. "Aspectos ecológicos de decápodos del río Guayuriba (Meta, Colombia)." Caldasia 41, no. 2 (2019): 392–403. http://dx.doi.org/10.15446/caldasia.v41n2.69544.

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La biomasa y papel detritívoro-triturador de los decápodos contribuyen al procesamiento de materia orgánica y reciclaje de nutrientes en sistemas acuáticos. Sin embargo, poco se conoce de su biología y ecología. El objetivo de esta investigación fue determinar la riqueza y distribución de decápodos, y describir algunos de sus aspectos biológicos en el río Guayuriba. Los organismos se capturaron con pesca eléctrica en once estaciones. Se determinó la riqueza y distribución espacial. A partir de diagramas de densidad y la prueba Kruskal-Wallis se compararon longitud total, del cefalotórax y peso, entre machos, hembras y estaciones. Se realizaron correlaciones entre el número y peso de huevos contra peso y longitud del cefalotórax de hembras de Macrobrachium reyesi. Se registraron tres especies, la más frecuente fue M. reyesi, seguida de Forsteria venezuelensis y Macrobrachium amazonicum. Las hembras de M. reyesi fueron más grandes que los machos, contrario a M. amazonicum. A nivel espacial machos y hembras de M. reyesi registraron diferencias significativas en longitud total, cefalotórax y peso; éstas fueron mayores en hembras ovadas respecto a no ovadas. El tamaño de las hembras mostró una correlación positiva con el número y peso de los huevos. M. reyesi presenta estrategias reproductivas similares a especies adaptadas completamente al agua dulce. Su tamaño para alcanzar la madurez sexual es relativamente pequeño en relación con otras especies. Investigaciones básicas como esta son necesarias para el manejo adecuado de recursos con potencial pesquero en la Orinoquia, caracterizada por su gran riqueza hídrica.

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Dzhambazov, Balik, Rumen Mladenov, and Detelina Belkinova. "Scenedesmus nygaardii Hub.-Pest. Scenedesmus nygaardii Hub.-Pest. and Scenedesmus bernardii G. M. Smith (Chlorophyta, Chlorococcales) - two different species." Algological Studies/Archiv für Hydrobiologie, Supplement Volumes 106 (August 19, 2002): 131–39. http://dx.doi.org/10.1127/algol_stud/106/2002/131.

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Michel Parra, Guadalupe J., Carlos Gómez Galindo, María del Carmen Hernández Terrones, Rene Santibañez Escobar, and Felipe Santoyo Téllez. "Situación ictiológica, limnológica y pesquera del lago de Zapotlán." Revista Biológico Agropecuaria Tuxpan 2, no. 1 (2014): 430–33. http://dx.doi.org/10.47808/revistabioagro.v2i1.330.

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Prioridades para este milenio, proteger, conservar, aprovechar y manejar sustentablemente humedales, mediante actividades integrales pesca, fuentes de alimento, empleo, descanso y esparcimiento, en el Lago de Zapotlán se impulsan investigaciones en aspectos ictiológico, limnológico, pesquero, que fortalecen la conservación de ecosistemas. El crecimiento poblacional y consumismo aumentan los impactos biológicos y efectos sociales perjudiciales para los humedales. Objetivo: Determinar la situación ictiológica, limnológica y pesquera en el Lago de Zapotlán. El estudio fue de mayo 2012 a abril 2013 en Laguna de Zapotlán, localizada en sur de Jalisco. El trabajo fue transversal, descriptivo  variables ictiológicas, limnológica y pesquera, aplicando métodos estadísticos. Resultados: Ictiológicas: Carpa (Cirpinus carpio comunis.), (Cirpinus carpio especualaris.), tilapia (Orechromis spp.), lobina (Micropterus salmoides), charal (Menidia grandocule), pescado lodero (Goodea atripinnis) y pintitas (Poecliopis infans). Limnología: temperatura 21.9ºC, oxígeno disuelto 4.0 a 6.0 mg/L; agua alcalina de 145 ppm y dureza 155 ppm, pH 9.11, con bajo/alto contenido de amonio y ortofosfato disuelto y Clorofila de 74 mg/m. Diagnóstico pesquero: tilapia, carpa, lobina y charal para pesca comercial. Esfuerzo pesquero: dos organizaciones con 64 pescadores. Captura por pescador 40 kg/día, promedio anual de 488 tons. Especímenes capturados: carpa (de 24 a 31 cm y peso de 600 a 800 grs) y tilapia (de 22.25 cm. y peso de 236 grs. en promedio). Artes de pesca: Redes agalleras longitud de 60 m abertura y malla de 3½” a 4½”, embarcaciones lanchas de fibra de vidrio de 14 pies. Reproducción: Carpa: marzo-septiembre y Tilapia: marzo-octubre.

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