Relevant bibliographies by topics / Mobile-Money

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Mobile-Money'

Author: Grafiati
Published: 4 June 2021
Last updated: 29 March 2025

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Journal articles on the topic "Mobile-Money"

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Suri, Tavneet. "Mobile Money." Annual Review of Economics 9, no. 1 (August 2, 2017): 497–520. http://dx.doi.org/10.1146/annurev-economics-063016-103638.

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Centellegher, Simone, Giovanna Miritello, Daniel Villatoro, Devyani Parameshwar, Bruno Lepri, and Nuria Oliver. "Mobile Money." Proceedings of the ACM on Interactive, Mobile, Wearable and Ubiquitous Technologies 2, no. 4 (December 27, 2018): 1–18. http://dx.doi.org/10.1145/3287035.

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Chipchase, Jan, Panthea Lee, and Bill Maurer. "Mobile Money: Afghanistan." Innovations: Technology, Governance, Globalization 6, no. 2 (April 2011): 13–33. http://dx.doi.org/10.1162/inov_a_00067.

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Asongu, Simplice A., Peter Agyemang-Mintah, and Rexon T. Nting. "Law, mobile money drivers and mobile money innovations in developing countries." Technological Forecasting and Social Change 168 (July 2021): 120776. http://dx.doi.org/10.1016/j.techfore.2021.120776.

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Johnen, Constantin, Martin Parlasca, and Oliver Mußhoff. "Mobile money adoption in Kenya: The role of mobile money agents." Technological Forecasting and Social Change 191 (June 2023): 122503. http://dx.doi.org/10.1016/j.techfore.2023.122503.

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Al Sousi, Amjad. "MOBILE MONEY: CONCEPT AND BENEFITS AND CHALLENGES ASSOCIATED WITH MOBILE MONEY." Journal of Information Systems and Digital Technologies 3, no. 2 (September 30, 2021): 68–75. http://dx.doi.org/10.31436/jisdt.v3i2.186.

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Mobile money could be a recent innovation that gives money dealings services via transportable, as well as to the unbanked international poor. The technology has unfolded speedily within the developing world, “leapfrogging” the availability of formal banking services by finding the issues of weak institutional infrastructure and also the value structure of typical banking. Mobile money may be a technology for grouping, saving, and pocket money on a mobile phone. Mobile cash may be a common various to cash and banks as a result of a transportable signal is simple to use, safe, and use anyplace. These users can win monetary lives, magnified monetary inclusion, economic direction, and economic process. This review provides a summary of the processes and impacts of mobile cash transfers in the developing world as well as the advantages and challenges facing this new technology. Over the past decade, mobile cash services have become a current tool in some developing economies, allowing people to interact with cash digitally while they do not have formal bank accounts.
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Katusiime, Lorna. "Mobile Money Use: The Impact of Macroeconomic Policy and Regulation." Economies 9, no. 2 (April 7, 2021): 51. http://dx.doi.org/10.3390/economies9020051.

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This paper examines the effects of macroeconomic policy and regulatory environment on mobile money usage. Specifically, we develop an autoregressive distributed lag model to investigate the effect of key macroeconomic variables and mobile money tax on mobile money usage in Uganda. Using monthly data spanning the period March 2009 to September 2020, we find that in the short run, mobile money usage is positively affected by inflation while financial innovation, exchange rate, interest rates and mobile money tax negatively affect mobile money usage in Uganda. In the long run, mobile money usage is positively affected by economic activity, inflation and the COVID-19 pandemic crisis while mobile money customer balances, interest rate, exchange rate, financial innovation and mobile money tax negatively affect mobile money usage.
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Martin, Aaron. "Mobile Money Platform Surveillance." Surveillance & Society 17, no. 1/2 (March 31, 2019): 213–22. http://dx.doi.org/10.24908/ss.v17i1/2.12924.

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Drawing on evidence from Sub-Saharan Africa, this paper explores the various forms of surveillance present on mobile money platforms. At the most basic level, mobile money is the provision of financial services through a mobile device. Over the past decade, these platforms have witnessed astonishing rates of adoption in Kenya, Tanzania, Uganda, Ghana, and elsewhere. While some authors have praised the transformative potential of mobile money, particularly in parts of the world in which large numbers of people remain “unbanked,” more critical voices have expressed concerns about the economic risks and regulatory challenges associated with mobile money. This article focuses on an underexplored but nevertheless significant feature of mobile money platforms: the ways in which they facilitate surveillance by service providers and government authorities. Relatively established forms of surveillance include mandates for identifying customers prior to service provision. I also discuss the monitoring of mobile money agents, who receive a commission for turning cash into electronic value (and vice versa). Well-established mobile money providers are said to operate in-house “bank-grade” monitoring systems to identify suspicious transactions and comply with anti-money laundering regulations. Government agencies are also implementing bespoke monitoring solutions in countries where authorities, distrustful of mobile money providers’ self-reported data, seek to more stringently enforce regulatory compliance while also maximizing tax revenues from mobile money transactions. An analysis of these different forms of surveillance reveals their multipurpose and multi-scalar nature. I argue that the impacts of mobile money platform surveillance need to be better understood, particularly from a financial inclusion perspective.
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Ahmed, Ismail. "Making money truly mobile." London Business School Review 30, no. 1 (January 2019): 26–27. http://dx.doi.org/10.1111/2057-1615.12278.

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Economides, Nicholas, and Przemyslaw Jeziorski. "Mobile Money in Tanzania." Marketing Science 36, no. 6 (November 2017): 815–37. http://dx.doi.org/10.1287/mksc.2017.1027.

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Dissertations / Theses on the topic "Mobile-Money"

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Greenacre, Jonathan. "The regulation of mobile money." Thesis, University of Oxford, 2017. https://ora.ox.ac.uk/objects/uuid:6e559504-ac6f-47ac-8a32-c0030f963d3f.

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This thesis examines the regulation of 'mobile money'. This is an electronic payment and storage service provided by phone companies ('mobile money firms' or 'MM firms'). The first mobile money service, M-Pesa, was launched in Kenya in 2007. Since then, mobile money has spread rapidly throughout the developing world, particularly across Africa. A novel feature of mobile money is its ability to serve large numbers of people who do not have bank accounts, commonly labelled 'the unbanked'. The thesis offers a framework, based on a functional approach, to analyse the key regulatory and policy issues that arise when customers’ funds are stored and transferred within mobile money platforms. The objectives of this framework are drawn from traditional financial regulation, such as financial stability and consumer protection, and 'financial inclusion', which involves connecting the unbanked to formal, electronic payment and storage functions. The thesis makes three main claims. First, mobile money operates as a shadow retail deposit system. Mobile money is 'shadow' because a customer contracts with a non-banking firm. It is 'retail' because the system meets the payment needs of individuals for ordinary transactions. And the service is a 'deposit' system because a mobile money account provides payment and storage functions which are functionally equivalent to a bank deposit. Second, mobile money provides these payment and storage functions, functionally equivalent to a bank deposit, through a different legal structure to that used by a bank to provide deposit account services. This structure, which is established through private ordering, comprises a set of mechanisms by which the MM firm (the 'agent' in the service) and its associates credibly commit to safeguard the funds of the mobile money customers (the 'principals') for the purposes of providing payment and storage functions. Collectively, these commitments require the MM firm to maintain a 1:1 relationship between cash received from customers, which is stored within the system as highly liquid assets, and 'e-money' which customers use in the mobile money service. As a result, mobile money customers face primarily operational risks, usually without the credit and liquidity risks associated with banking. Third, public ordering can increase the efficiency of MM firms' commitments in addressing risks in mobile money platforms through adopting an 'active' approach to regulation. In this approach, the policymaker monitors a greater range of risks and more closely than what might be expected in other comparable principal-agent relationships, such as retail investors and financial intermediaries, and depositors and banks. This approach is appropriate because unbanked customers are likely to face significant information asymmetries with MM firms and coordination problems amongst themselves. This means they are unlikely to effectively monitor a range of risks to the service caused by the MM firm and its associates.
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Tveten, Thomas Moltke-H. "How to make money on mobile applications." Thesis, Norges teknisk-naturvitenskapelige universitet, Institutt for telematikk, 2014. http://urn.kb.se/resolve?urn=urn:nbn:no:ntnu:diva-25928.

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The number of mobile applications grows exponential fast with 1,000 new applications published each day, and 1 million already available. The competition among applications is fierce, but the applications that become popular generates large revenues. One example is WhatsApp, which was acquired by Facebook in 2014 for $19 billion. The application market is a winner-take-all market, that everyone can participate in by developing their own application. There is no cost in terms of money to develop an application, and thus developers only need to risk their own time. The aim of this thesis is to gain an understanding of the mobile application market, and to analyze it from a business perspective. It is especially one topic this thesis elaborates, and that is the analysis of the self-developed application in relation to the application market. There are three main subjects that are analyzed associated with this topic, and are as followed.1. The developing and marketing of mobile applications.2. A complete business model for mobile applications3. The impact of network externalities influencing mobile applications.1. In order to do an in-depth analysis of the main factors influencing applications, I developed and analyzed my own mobile application. During the development I obtained experiences of the vast amount of time and effort behind the development of applications, and the factors that need to be present in order to meet the users’ needs. When the application was finished, I conducted an extensive marketing through advertising on Facebook. During the marketing the application became ranked as the 26th most popular application on the Norwegian App Store, and the 2nd most popular word game. Due to the application’s popularity, I was interviewed by the newspaper Byavisa, the TV channel TV2, and in the book Mobile App Growth Hacks. The the- sis presents an analysis of the effect from the marketing and the various interviews, along with the effect from other marketing channels utilized. The primary finding in relation to this topic, is the large effect marketing has on the application’s popularity and the application’s ability to acquire new users. This indicates the importance of marketing for applications that struggle to be noticed.2. The thesis presents a complete business model for the self-developed application by using Osterwalder’s business model ontology. The business model examines how applications create value to their target customers, and provides an in-depth analysis of the self-developed application’s cost structure and how it generates revenue. The main findings in relation to the business model, is the large impact the application’s user activity has on the revenue generated, and that the revenue subsidizes the costs to a large extent.3. An extensive analysis of the networks externalities influencing the self-developed application is performed. The analysis presents the large influence network externalities have on applications’ ability to maintain existing users, and acquire new. Due to the network externalities, this may lead to an exponential increase or decrease in the application’s popularity. By applying a modified epidemiological model on the self-developed application, the application’s network externalities are modeled. The model is calculated based on the application’s user activity and the effect from the network externalities, and thus provides mathematical equations that can be used by developers to gain more control over the effects.There are three other findings in this thesis worth noting. First, the psychology in applications are one of the key factors to increase applications’ user activity, and thus the revenue. The application’s psychology increases users’ desire to continue using the app, by focusing on users’ emotions and behavior. Second, there are five key performance indicators that analyze the application’s strengths and weaknesses in order to increase users’ engagement, and thus increase the application’s revenue by focusing on its most profitable customers. Third, the application’s popularity are primarily determined by the application’s extent of the Word of Mouth concept. Word of Mouth is basically passing of information from person to person by oral or digital communication. In the application market, this occurs when people share their opinion about an application to others. The effect from the concept is large, and has to be present in order for an application to maintain its popularity.
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Chitsime, Collin Brian Sukali. "Mobile Money Payments as Vehicles for Money Laundering: A Case Study of Malawi." University of the Western Cape, 2016. http://hdl.handle.net/11394/5706.

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Magister Legum - LLM (Criminal Justice and Procedure)
Money laundering is defined as the process of converting the proceeds derived from a wide range of underlying criminal offences, called predicate offences, to apparently legitimate property. In other words, it is the process of washing away the stain of illegality from the proceeds of crime in order to give them the appearance of legality. In fact, the nomenclature of the practice itself was inspired by America�s notorious gangster Al Capone�s practice of channelling the proceeds of his criminal enterprise through his laundromats in order to cloak their illegality so as to endow them with an appearance of legality. The crime of money laundering has been a scourge on the economies of the world, hence it has become a crime of international concern. The international community has developed numerous international treaty norms obligating states to criminalise money laundering. These norms, when incorporated into national legislation, are expected to serve as the legal basis not only for national prosecution of money laundering offences but also for international mutual legal assistance in AML (for example, international co-operation in the confiscation of criminal proceeds and extradition of money launderers).
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Mitchell, Corin Sebastian. "The opportunities and challenges of promoting inclusive financial services through mobile money : the case of MTN mobile money in Uganda." Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/21784.

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Thesis (MDF)--Stellenbosch University, 2011.
Perhaps the African equivalent to the industrial revolution is the mobile revolution we’ve witnessed over the past decade. Specifically the innovation and extraordinary growth of mobile money, mobile technology platforms and ongoing service offerings to millions of otherwise mostly precluded people. The potential for these technologies coupled with latent untapped user demand across sub-Saharan Africa to catalyse investment, crowd in competition and financial service providers and as a result push financial inclusion through access and use, is vast. Link these reasons with the ever sought after global demand for ‘increase in shareholder value’ and it can easily be seen why mobile operators are continuously expanding, partnering with banks and predominantly expanding in emerging and frontier markets in sub-Saharan Africa. This research report explores MTN MobileMoney in Uganda as the case in point; possibly one of the most exciting and rapidly growing platforms in Africa. The research reveals that whilst profitable, it is a very competitive business with tight margins. Continuous education is critical if people from all walks of life are truly to benefit and scale is to be reached to make it even more profitable when servicing the ‘unbanked’ and bottom of the pyramid. Uganda and other countries too, should think strategically about introducing national identity documents, or equivalent, to ensure they maximise the potential ease and reach of technology that can have real and relevant development benefits to people – especially the under-served and poor. Not doing so merely serves as disadvantageous. Broader benefits of mobile money and mobile transactions go far beyond purely the individual user, and include the country’s economy as a whole, providing convenience to corporate as well as small businesses and individuals – the anywhere, anytime factors. Benefits accrue to businesses, and to government, in terms of cost efficiencies and paying large numbers of staff, increased safety and security in a less cash dependent economy. There is significant local and international demand for innovation and new product offerings, driving mobile operators globally and in emerging and frontier markets in particular. There are a number of key factors that make mobile money a commercial success; it’s not just about churn reduction. These factors are explained and explored in this research report. Specifically when data was gathered from MobileMoney users there were no immediate or unexpected surprises. However, what was striking and reassuring was the positive attitude and experience of users, as well as what appears to be latent demand for more services and users’ trust in MTN to provide these.
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Thatho, Teboho. "Mobile Money and Financial Inclusion: Evidence from Lesotho." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/33050.

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This study seeks to examine the relationship between mobile money and financial inclusion in Lesotho in order to assess the viability of mobile money as a tool for advancing Lesotho's financial inclusion agenda. The study uses a number of deposit bank accounts as a proxy for financial inclusion (FI) and a dependent variable in three vector autoregression (VAR) bivariate models. Each of the three mobile money variables; number of mobile money registered accounts (MMC), number of agents (MMA) and volumes of mobile money transactions (MMT) are regressed against financial inclusion to investigate the relationship with each. The results indicate that among the three proxies of mobile money, only two have a relationship with financial inclusion: MMC and MMT. MMA does not show any relationship with financial inclusion. The relationship between FI and MMT is one-way from FI to MMT, which is not important for the purpose of this study. The MMC relationship with FI is the opposite of that of MMT and FI. There is a positive causal relationship from MMC to FI, indicating the positive influence of mobile money accounts of financial inclusion. The paper recommends that the government of Lesotho creates an enabling regulatory environment that supports the adoption and growth of mobile money in order to improve financial inclusion.
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Fallah, Milad, and Johanna Luo. "Mobile Money in developing markets : What should Mobile Money providers consider when trying to drive activity from the already registered user base?" Thesis, KTH, Hållbarhet och industriell dynamik, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-148810.

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For the past decade, there has been many innovations made to the mobile phone and new features such as payments have been added to the mobile phone’s capabilities. East Africa is the region with the fastest uptake and highest adoption rates of mobile money in the world. Despite the success, the amount of active users of mobile money is still low in comparison to the number of registered users. The purpose of this master thesis is to analyze what mobile money providers should consider when trying to drive activity from the already registered user base. The main theoretical concept that was used is resource-based view and the analytical framework is an importance-effort matrix. The empirical study consisted of in-depth interviews with key experts and stakeholders from the mobile money industry. Most of the interviews were face-to-face interviews during a research trip to Kenya, Uganda and Tanzania. The findings were then reviewed during the Mobile Money Africa 2014 conference in South Africa. This thesis has identified a number of reasons for low user activity of the registered user base together with strategies that has the potential to tackle them. In order to drive activity, it is important for the service provider to understand and consider what that is desired and required to possess in terms of tangible, intangible and human resources to be able to successfully implement and run the identified strategies. The study concludes that tangible resources (physical and financial resources) are of great important for enabling success of most of the identified strategies whereas intangible (intellectual property, reputation and culture) and human (skills and knowledge, communication and interaction, and motivation) resources have great variance of importance.
Under det senaste decenniet har det skett många innovationer till mobiltelefonen och nya funktioner som mobilbetalningar har lagts till. Östafrika är den region med den snabbast växande adoptionen och högsta utnyttjandegraden av mobilbetalningar i världen. Trots regionens framgångar är det dock fortfarande få aktiva användare av mobilbetalningar i förhållande till antalet registrerade användare. Syftet med detta examensarbete är att analysera vad mobilbetalningsleverantörer bör tänka på när man försöker driva aktivitet från den registrerade användarbas. Det teoretiska ramverket har byggts huvudsakligen på resource-based view och den analytiska modell som används är en viktighet-instats-matris. Den empiriska studien bestod av ingående intervjuer med nyckelpersoner och intressenter från mobilbetalningsindustrin. Majoriteten av intervjuerna utfördes på plats med intervjuobjekten under en forskningsresa till Kenya, Uganda och Tanzania. Resultaten utvärderades därefter under Mobile Money Africa 2014 konferensen i Sydafrika. Denna studie har identifierat ett antal anledningar som orsakar låg användaraktivitet av den registrerade användarbasen och strategier som har möjlighet att angripa dessa anledningar. För att driva aktivitet, är det viktigt att mobilbetalningsleverantörerna förstår vad för materiella, immateriella och mänskliga resurser som är önskvärda samt krävs för att framgångsrikt kunna genomföra och driva de identifierade strategierna. I studien dras slutsatsen att materiella resurser (fysiska och finansiella resurser) är av stor betydelse för att möjliggöra framgång av de flesta identifierade strategier medan viktigheten för immateriella (immaterialrätt, rykte och kultur) och mänskliga (kompetens och kunskap, kommunikation och interaktion, och motivation) resurser varierar.
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Kappelin, Frida, and Jimmie Rudvall. "Fraud Detection within Mobile Money : A mathematical statistics approach." Thesis, Blekinge Tekniska Högskola, Institutionen för datalogi och datorsystemteknik, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-10898.

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Context: Today it is easy to do banking transaction digitally, both on a computer or by using a mobile phone. As the banking-services increases and gets implemented to multi-platforms it makes it easier for a fraudster to commit financial fraud. This thesis will focus on investigating log-files from a Mobile Money system that makes it possible to do banking transactions with a mobile phone.  Objectives: The objectives in this thesis is to evaluate if it is possible to combine two statistical methods, Benford's law together with statistical quantiles, to find a statistical way to find fraudsters within a Mobile Money system. Methods: Rules was extracted from a case study with focus on a Mobile Money system and limits was calculated by using quantiles. A fraud detector was implemented that use these rules together with limits and Benford's law in order to detect fraud.The fraud detector used the methods both independently and combined.The performance was then evaluated. Results: The results show that it is possible to use the Benford's law and statistical quantiles within the studied Mobile Money system. It is also shown that there is only a very small difference when the two methods are combined or not both in detection rate and accuracy precision. Conclusions: We conclude that by combining the chosen methods it is possible to get a medium-high true positive rates and very low false positive rates. The most effective method to find fraudsters is by only using quantiles. However, combining Benford's law with quantiles gives the second best result.
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Caballero, Luis (Luis Alberto Caballero Parra). "Strategic analysis of mobile money ventures in Developing countries." Thesis, Massachusetts Institute of Technology, 2012. http://hdl.handle.net/1721.1/72969.

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Thesis (S.M.)--Massachusetts Institute of Technology, Sloan School of Management, 2012.
"June 2012." Cataloged from PDF version of thesis.
Includes bibliographical references (p. 81-84).
Mobile money services are spreading rapidly in many developed and developing countries across the world. Whereas in developed economies these new services are seen as a way to make current services more functional and convenient, in the developing world their relevance in the process providing access to financial services to the poorest segments of the population is welcomed and encouraged by the international development community. The spread of mobile money is seen as a catalyst for financial inclusion and the speed at which these services become available will be partly due to the stakeholders' capacity for implementing them. Mobile money projects have new been launched across many developing nations, targeting the opportunity of a common phenomenon: a gap between the high penetration of mobile services and the low penetration of financial services. The measure of success of those ventures has been mixed, with hallmark cases rapidly reaching over 10% of the population and other cases being discontinued or re-launched in the face of failure. The history of the development of such projects highlights several lessons for current and future stakeholders. First, an industry context with high demand and low-enough penetration of financial services, together with a thriving and innovative telecommunications industry seems to be conductive to success. Second, a favorable regulatory environment in which regulators allow telecom operators, banks and small and medium-sized companies to experiment with different models to provide mobile money to the masses is advisable for avoiding roadblocks for growth. Third, success will partly depend on the service provider's capacity to develop a far-reaching ecosystem of merchants, agents, banks and other partners in order to achieve ubiquity. Lastly, services with strong network effects such as domestic remittances can deliver faster growth than others, seeding the scale needed to offer more complex financial services over mobile money platforms.
by Luis Caballero.
S.M.
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Ritzén, Isabella, and Jasmin Hussein. "Mobile Money and Economic Growth in Sub-Saharan Africa." Thesis, Linköpings universitet, Nationalekonomi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-176407.

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Financial inclusion play a key role for a country's economic growth for poverty eradication and multiple studies have been made on how to achieve it. With a cellphone as the most accessible technology, it enables pervasively unbanked people to pay bills, save, withdraw and deposit money. In this study we aim to analyze if mobile money has an impact on economic growth in Sub-Saharan Africa (SSA) since it has expanded significantly and is used by nearly half a billion people in SSA. We divided SSA into four regions and used panel data to examine the impact over seven years (2012-2018). Mobile money is divided into three variables: active agents, active accounts, and total transactions in relationship to GDP per capita. Because of the difference in mobile money usage between the regions we divide all three components with the region's population. We conclude that total transactions have a small but positive and significant impact on economic growth while active accounts and active agents shows a positive but insignificant result. In our analysis we proceed to discuss different factors of mobile money that can contribute to a positive impact on economic growth such as remittances and interest-bearing accounts.
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Persson, Johan, and Andreas Torbiörnsson. "Banking the Unbanked – The Case of Mobile Money in Nepal." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-125614.

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This thesis investigates ICT diffusion in the context of developing countries, morespecifically in the case of Mobile Money in the Asian country Nepal. Mobile Moneyhas recently emerged in Nepal and has the potential to improve the lives of millions.The aim of the thesis was to examine the dominant business models in Nepal and thebarriers and drivers for the future diffusion of Mobile Money in Nepal. This was donethrough a case study consisting of a field study in Nepal and an extensive literaturereview in the field of ICT diffusion and Mobile Money. Interviews with stakeholdersin the Mobile Money business ecosystem, observations and databases fromorganizations such as the World Bank were used as data sources. The results showthat there are both barriers and drivers for Mobile Money and that the attitudes ofinstitutions, in this case the central bank, have a high impact on diffusion. The introduction of a technology into a new context was affirmed to be a complex,multi-dimensional process. However, in the case of Nepal, one of the solutions couldbe to improve institutional attitudes and make the regulations more accommodating.
Detta examensarbete undersöker spridningen av informations- och kommunikationsteknik(ICT) i utvecklingsländer. Fallet som undersöks är ‘Mobile Money’ i Nepal.‘Mobile Money’ har nyligen introducerats i Nepal och har potentialen att förbättralivet för miljontals människor. Syftet med denna uppsats är att undersöka dedominerande affärsmodellerna i Nepal samt vilka drivkrafter och hinder det finns föratt ‘Mobile Money’ ska spridas inom landet. För att möta syftet genomfördes enfältstudie i Nepal tillsammans med en omfattande litteraturstudie inom ICT spridningoch ‘Mobile Money’. Intervjuer med intressenter inom ‘Mobile Money’,observationer samt information från databaser från t.ex. Världsbanken har använtssom datakällor. Resultaten av studien visar att det finns både hinder och drivkrafterför ‘Mobile Money’ i Nepal och att inställningen hos landets institutioner, i detta fallCentralbanken, har en stor påverkan på spridningen. Införandet av teknik i en ny kontext, eller land i detta fall, visade sig vara en komplex,multidimensionell process. En lösning i Nepal skulle dock kunna vara att förbättraden institutionella attityden och göra regleringarna mer tillmötesgående.
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Books on the topic "Mobile-Money"

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Tilotia, Akhilesh. M2, mobile money. Mumbai: Kotak Institutional Equities, 2010.

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Madise, Sunduzwayo. The Regulation of Mobile Money. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8.

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Scruggs, Lonnie. Making money with mobile homes. Chesapeake, VA: DOW Enterpises, 2003.

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Scruggs, Lonnie. Making money with mobile homes. Chesapeake, VA: DOW Enterpises, 2003.

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Velvel, Zalman. Mobile home wealth: How to make money buying, selling and renting mobile homes. Garden City Park, NY: Square One Publishers, 2009.

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Division, Montana Energy. Energy notes: Mobile homeowners's guide to saving money & energy. [Helena: Montana Dept. of Natural Resources and Conservation, Energy Division, 1994.

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Bruett, Tillman. Building a mobile money distribution network in Papua New Guinea. Suva, Fiji: Pacific Financial Inclusion Programme, International Finance Corporation, 2009.

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Mehul, Desai, ed. The march of mobile money: The future of lifestyle management. Noida: Collins Business, 2010.

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Ndadoum, Éric Mbaiodjbey. Mobile money en Afrique: Son rôle pour l'inclusion financière au Tchad. Paris: L'Harmattan, 2020.

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Kirsten, Barta, ed. The PayPal official insider guide to mobile profits: Make money anytime, anywhere. Berkeley, CA: Peachpit, 2012.

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Book chapters on the topic "Mobile-Money"

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Mpofu, Olipha, and Nednah Maraga. "Mobile money." In Financial Inclusion Regulatory Practices in SADC, 105–27. London: Routledge, 2023. http://dx.doi.org/10.4324/9781003369400-7.

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Madise, Sunduzwayo. "Regulating Money." In The Regulation of Mobile Money, 149–200. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_5.

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Madise, Sunduzwayo. "Introduction to Money." In The Regulation of Mobile Money, 15–61. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_2.

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Wagner, Matthias. "Keys, Money and Mobile Phone." In Lecture Notes in Computer Science, 4. Berlin, Heidelberg: Springer Berlin Heidelberg, 2009. http://dx.doi.org/10.1007/978-3-642-02121-3_4.

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Osei-Assibey, Eric. "Mobile money and financial inclusion." In Financial Inclusion for Poverty Alleviation, 118–35. New York : Routledge, 2018.: Routledge, 2017. http://dx.doi.org/10.9774/gleaf.9781315103457_9.

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Madise, Sunduzwayo. "Developments in Mobile Technology and the Emergence of Mobile Money." In The Regulation of Mobile Money, 63–110. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_3.

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Madise, Sunduzwayo. "Introduction." In The Regulation of Mobile Money, 1–14. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_1.

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Madise, Sunduzwayo. "Conclusions." In The Regulation of Mobile Money, 349–75. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_10.

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Madise, Sunduzwayo. "Different Types of Regulation." In The Regulation of Mobile Money, 111–47. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_4.

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Madise, Sunduzwayo. "The Concept of Financial Inclusion." In The Regulation of Mobile Money, 201–27. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-13831-8_6.

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Conference papers on the topic "Mobile-Money"

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Susanti, Leni, Siti Hajar Mohamad, Mila Andria Savitri, Karen Etania Saputra, Doni Purnama Alamsyah, and Ahmad Setiadi. "The Essence of Perceived Compatibility and Behavioral Intention in Mobile Money Use." In 2024 International Conference on Advanced Information Scientific Development (ICAISD), 25–30. IEEE, 2024. https://doi.org/10.1109/icaisd63055.2024.10895681.

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Sowon, Karen, Edith Luhanga, Lorrie Faith Cranor, Giulia Fanti, Conrad Tucker, and Assane Gueye. "The Role of User-Agent Interactions on Mobile Money Practices in Kenya and Tanzania." In 2024 IEEE Symposium on Security and Privacy (SP), 752–69. IEEE, 2024. http://dx.doi.org/10.1109/sp54263.2024.00184.

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Cheruyot, Chepkwony Caldas, Robin Michel Kouame, and Hiroyuki Inaba. "Securing SIM Toolkit-Based Mobile Money Applications Against SIM Swap Attacks Using User Location Data." In 2024 IEEE 13th Global Conference on Consumer Electronics (GCCE), 100–104. IEEE, 2024. https://doi.org/10.1109/gcce62371.2024.10760647.

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Nkrumah, Adasa, Li Ping, Anjum Safia., and Md Altab Hossin. "Mobile Money Transfer." In the 2018 9th International Conference. New York, New York, USA: ACM Press, 2018. http://dx.doi.org/10.1145/3271972.3271986.

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Nkrumah, Adasa, Li Ping, Anjum Safia, and Kenneth W. A. Budu. "Mobile Money Transfer." In the 2018 9th International Conference. New York, New York, USA: ACM Press, 2018. http://dx.doi.org/10.1145/3271972.3271987.

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Shah, Kushal, Shrirang Mare, and Richard Anderson. "Understanding mobile money grievances from tweets." In ICTD '19: Tenth International Conference on Information and Communication Technologies and Development. New York, NY, USA: ACM, 2019. http://dx.doi.org/10.1145/3287098.3287123.

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Jakhiya, Mukund, Malini Mittal Bishnoi, and Harsh Purohit. "Emergence and Growth of Mobile Money in Modern India: A Study on the Effect of Mobile Money." In 2020 Advances in Science and Engineering Technology International Conferences (ASET). IEEE, 2020. http://dx.doi.org/10.1109/aset48392.2020.9118375.

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Mesfin, Woldmariam, Tor-Morten Gronli, Gheorghita Ghinea, and Muhammad Younas. "A Mobile Money Solution for Illiterate Users." In 2015 IEEE International Conference on Mobile Services (MS). IEEE, 2015. http://dx.doi.org/10.1109/mobserv.2015.53.

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Olaleye, Sunday A., Ismaila T. Sanusi, and Solomon S. Oyelere. "Users experience of mobile money in Nigeria." In 2017 IEEE AFRICON. IEEE, 2017. http://dx.doi.org/10.1109/afrcon.2017.8095606.

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Phipps, Rowan, Shrirang Mare, Peter Ney, Jennifer Webster, and Kurtis Heimerl. "ThinSIM-based Attacks on Mobile Money Systems." In COMPASS '18: ACM SIGCAS Conference on Computing and Sustainable Societies. New York, NY, USA: ACM, 2018. http://dx.doi.org/10.1145/3209811.3209817.

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Reports on the topic "Mobile-Money"

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Brunnermeier, Markus, Nicola Limodio, and Lorenzo Spadavecchia. Mobile Money, Interoperability, and Financial Inclusion. Cambridge, MA: National Bureau of Economic Research, September 2023. http://dx.doi.org/10.3386/w31696.

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Wales, Christopher. Re-evaluating Uganda’s Mobile Money Tax. Institute of Development Studies, March 2024. http://dx.doi.org/10.19088/ictd.2024.004.

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The current system for taxing mobile money in Uganda is widely disliked, unbalanced, and arguably distortionary. We show there is a case to re-evaluating it, with a view to principled reform. But there is also a case for leaving it alone. This Policy Brief explores that tension.
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Jack, William, and Tavneet Suri. Mobile Money: The Economics of M-PESA. Cambridge, MA: National Bureau of Economic Research, January 2011. http://dx.doi.org/10.3386/w16721.

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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, June 2023. http://dx.doi.org/10.19088/ictd.2023.030.

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Many people argue that mobile money has the potential to increase financial inclusion and improve the livelihoods of poor people in Africa. However, while many African governments impose specific taxes on mobile money transactions, very little is known about their effect on the use of mobile money services. This study assesses the short- and long-term impact of the tax on money transfer fees that the Kenyan government introduced in 2013. The tax, more specifically an excise duty, was imposed on fees incurred in all money transactions, including mobile money. It was introduced at 10 per cent and increased to 12 per cent in 2018. Our analysis has two parts. We use country-level data to see if the tax affected the use of mobile money – transaction values and volume – and the number of active mobile money agents. In addition, we use four rounds of nationally representative survey data to estimate changes in the use of mobile money after introduction of the tax. We find that the excise duty did not have a significant impact on different aggregated indicators relating to the use of mobile money. However, survey data shows that the tax may have reduced the rate of increase in use of mobile money services affected by the changes in tax, such as sending and receiving money, compared to services that were not, like savings and paying bills. Importantly, while the amounts transacted may not change, users send and receive money within households less regularly. In addition, the tax seems to have a more detrimental impact on poorer households, which were less likely to be financially included before the tax was introduced. Larger households also show more negative effects after the tax. URI
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Hearson, Martin, Philip Mader, and Mary Abounabhan. Taxing Mobile Money in Africa: Risk and Reward. Institute of Development Studies, July 2024. http://dx.doi.org/10.19088/ictd.2024.071.

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Mobile money is a booming industry in Africa, with potential benefits for economic development and financial inclusion. Facing strong fiscal headwinds, a growing number of African countries have introduced taxes on mobile money and other digital financial services (DFS), some of which have generated strong resistance. Critics are concerned that such taxes may attenuate the growth in DFS and disproportionately impact the lowest income households. ICTD explored the impact of different approaches to DFS taxation in Africa through its DIGITAX programme, which ran from 2020 to 2024. The DIGITAX team and a network of independent researchers conducted research in Cameroon, Côte d’Ivoire, Ghana, Kenya, Nigeria, Tanzania and Uganda, as well as desk-based research with a broader geographical scope. This policy brief summarises the programme’s research findings and policy analysis.
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Noah, Alphonse, and Ruth Tacneng. Cameroon’s Tax on Mobile Money: Implications for Agents' Performance and Revenue Sustainability. Institute of Development Studies, May 2024. http://dx.doi.org/10.19088/ictd.2024.035.

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Mobile money taxation gives African governments an opportunity to broaden their fiscal base and explore new revenue-generating possibilities. Cameroon introduced a 0.2 per cent tax on mobile money transfers and withdrawals from 1 January 2022. Our research analyses the behaviour of agents, who act as intermediaries between mobile money account holders and mobile money service providers, before and after the tax on mobile money (MM tax). Agents play a key role in the distribution of mobile money services. Their presence is vital for achieving financial inclusion, especially in areas less served by banks and other traditional financial service providers. An agent’s revenue is mainly derived from commission earned on each transaction – they receive an average of 40–45 per cent of the commission, and the remaining 55–60 per cent is shared between the mobile network operator, partner banks, and agent’s manager (superagent). Given their importance in the mobile money ecosystem, factors that negatively affect the attractiveness of the business for agents could have policy implications on financial inclusion. Summary of ICTD Working Paper 192.
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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, May 2024. http://dx.doi.org/10.19088/ictd.2024.039.

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Financial inclusion – where individuals and businesses have access to useful and affordable financial products and services that meet their needs, delivered in a responsible and sustainable way – is a critical component of economic development. It is particularly important in sub-Saharan Africa (SSA), where there can be little traditional banking infrastructure. The success of M-PESA in Kenya shows that mobile money is helping financial inclusion in the region. Those in rural or underserved areas can use mobile money to access basic financial services – savings, payments, and credit – through their mobile phones. This is critical for impoverished households, helping them to manage their finances, build resilience, and participate more actively in the economy. Financial inclusion aligns with broader development goals, such as poverty reduction and gender equality, by empowering marginalised groups, including women and small-scale entrepreneurs. However, taxation policies can be a threat to the adoption of mobile money in Africa. This study assesses the short and long-term impact of the Kenyan excise duty on the use of mobile money. Summary of ICTD Working Paper 168.
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de Brauw, Alan, Shalini Roy, and Mulugeta Tefera. Financial services in refugee hosting areas: Can they promote inclusion? Lessons from the SHARPE project in Ethiopia. Centre for Excellence and Development Impact and Learning (CEDIL), December 2022. http://dx.doi.org/10.51744/ceb4.

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Digital financial inclusion is important to achieving the Sustainable Development Goals. Digital financial tools, such as mobile money, can, in principle, be used by anyone with a cell phone. Mobile money and services surrounding mobile money can help reduce poverty by helping increase remittances from labour migrants, helping households to weather negative shocks to income, and encouraging investments such as in farms or in self-employment activities. An extension of this logic is that, in refugee hosting areas, digital financial inclusion through mobile money can potentially play a role in improving the economic inclusion of refugees. This evidence brief shares findings from a project developing a mobile money system in the Somali region of Ethiopia and discusses ways that policies can help catalyse the use of mobile money in such regions.
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Noah, Alphonse, and Ruth Tacneng. Cameroon’s Tax on Mobile Money: Implications for Agents’ Performance and Revenue Sustainability. Institute of Development Studies, May 2024. http://dx.doi.org/10.19088/ictd.2024.034.

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Agents play a key role in making financial services more accessible, especially for those who are financially excluded. Agents act as intermediaries between mobile money account holders and mobile money service providers, helping them to register as new customers and to credit and take money out of their accounts. In this paper, we explore how introducing a 0.2 per cent tax on mobile money transactions in Cameroon in 2022 affected the performance and revenue of agents. We mainly analyse agents’ commission and transactions using the administrative databases of those responsible for daily management of agent networks (henceforth superagents). To complement our analysis, we conducted a survey of agents in the Centre Region, asking about their business strategies after introducing the tax on mobile money.
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Abounabhan, Mary, Awa Diouf, Fabrizio Santoro, Carlos Sakyi-Nyarko, and Celeste Scarpini. Mobile Money Taxes: Knowledge, Perceptions and Politics. The Case of Ghana. Institute of Development Studies, June 2024. http://dx.doi.org/10.19088/ictd.2024.056.

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Consumer-level mobile money taxes are particularly controversial, and have sparked large-scale protests – prompting policy revisions in various countries, including Uganda, Côte d’Ivoire, and Benin. Ghana’s electronic transfer levy (e-levy) followed this trend of public dissent, and triggered the country’s first budgetary rejection since 1981. Not surprisingly, the trend in mobile money usage in Ghana showed a sharp decrease in overall volume and value of mobile money transactions after implementation of the tax. This was followed by a gradual rise back to usage before the e-levy, coinciding with a reduction in the rate. The strong reaction and trend in mobile money usage after revision make understanding what lies behind public perceptions and behaviour especially important for informing the ongoing debate within Ghana and the region. Summary of ICTD Working Paper 183.
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