Academic literature on the topic 'Services du mobile money'
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Journal articles on the topic "Services du mobile money"
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Adams Ekuban, Charles Aaron, and Fye Sheikh Omar. "Factors Affecting Mobile Money Usage in Ghana." Journal of Investment, Banking and Finance 3, no. 1 (2025): 01–12. https://doi.org/10.33140/jibf.03.01.13.
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This study delves into the factors that influence the utilization of mobile money services and their impact on human livelihoods in Ghana. The theoretical framework employed was the Technology Acceptance Model (TAM), and the data used were validated through factor and regression analyses. A structured questionnaire was used to collect data from 385 mobile money users in Ghana, selected through purposive and Simple Random sampling approaches from the central and western belts of the country. The study found that consumers' likelihood of using mobile money services was significantly influenced by their perceived usefulness (PU), ease of learning (PEOU), and ease of use (PEOU), with PUF having a less significant impact on usage. The study concluded that the usage of mobile money services was significantly affected by perceived usefulness (PU), ease of learning (PEOL), and ease of use (PEOU), but PEOU had a less significant effect on usage. The study also found that mobile money usage has greatly impacted human subsistence by promoting financial inclusion for the unbanked, increasing remittance flows, and providing access to other financial services.
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Museba, Tapiwanashe James, Edmore Ranganai, and Gianfranco Gianfrate. "Customer perception of adoption and use of digital financial services and mobile money services in Uganda." Journal of Enterprising Communities: People and Places in the Global Economy 15, no. 2 (2021): 177–203. http://dx.doi.org/10.1108/jec-07-2020-0127.
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Purpose This paper aims to investigate the impact of fintech, mobile money and digital financial services in Uganda and factors impacting adoption of the services. The study will also determine their social impact through financial inclusion in the Ugandan market. Design/methodology/approach This study covers the adoption and use of fintech, mobile money and digital financial services in Uganda. A case study approach was used through a survey questionnaire for 400 randomly selected participants within the Kampala region. Questionnaire was designed to measure customer perception of digital financial services and adoption including mobile money and agency banking. Findings The adoption of mobile money services is driven by mobile devices penetration and the need for access to financial products and services for the unbanked. Results support CGAP (2013) that observed that mobile money adoption was based on two key variables: social network and social interactions of the customer and a segment of customers who can be described as mobile technology leaders (early adopters). There has been positive impact on person to person transfers, grocery payments and mobile money providers have to continue to simplify the access to financial services and bring convenience to the bottom of the pyramid. And mobile money positively impacts sustainable developmental goals covering Gender Equality (SDG5), SDG 8 – Decent Work and Economic Growth; expanding financial inclusion through mobile money and SDG 10 – Reduce Inequalities. Research limitations/implications This study has limitations commonly prevalent with qualitative research, including the small size limited to Kampala and challenges of making generalisations beyond this context. Practical implications The paper might serve as a valuable source of information for government and fintech companies in developing the digital financial services ecosystem as well as for students and academics for further case studies in this area. Originality/value This paper serves as one of the first qualitative research papers concerning mobile money and digital financial services adoption, solely focused on Uganda. Its value is in its showcasing of the importance of mobile money among customers in emerging markets.
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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 (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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Manh, Bui Tan. "Mobile Money Services Pose a Threat to Money Laundering Prevention." INFLUENCE : International Journal of Science Review 2, no. 2 (2020): 12–17. http://dx.doi.org/10.54783/influence.v2i2.102.
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Mobile money service has been proved an effective tool in financial industry in recent years around the world. Although this kind of financial service brings a number of advantages, many concerns have been raised regarding potential issues that may stem from the use of mobile money. Among these concerns are the issues of using mobile money to facilitate money laundering activities and terrorist financing. In order to mitigate those potential risks for financial system in general, this paper seeks to explore the mobile money characteristics that may pose risks to anti-money laundering and terrorist financing system. This work is based on the available information from scientific research, articles and reports, and other sources.
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Awuah, Emmanuel. "The Digital Wallet Revolution: Assessing Mobile Money’s Role in Transforming Emerging Economies: A Review." Asian Journal of Economics, Business and Accounting 25, no. 1 (2025): 35–43. https://doi.org/10.9734/ajeba/2025/v25i11631.
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Mobile money services have become important worldwide, changing how financial technology works and helping more people use banking services. They give easy-to-use, safe, and cheap money services to people who don't have bank accounts or don't use them much in poorer countries. These mobile money systems let people put money in, take it out, send it to others, and pay bills using their phones. This means they don't need to rely on regular banks as much. This review article explores the evolution of mobile money services, focusing on their growing significance in emerging markets. Mobile money has transformed financial landscapes by providing accessible, affordable, and secure financial services to populations that were traditionally excluded from the formal banking system. The article will assess the key benefits of mobile money, such as financial inclusion, economic growth, poverty reduction, and enhanced remittance flows. It will also highlight the role of mobile money in empowering women and fostering small and medium-sized enterprises (SMEs). Additionally, the review addresses challenges faced by mobile money services, including regulatory hurdles, fraud, and technological infrastructure limitations. By analyzing the key benefits, the article will offer insights into the potential of mobile money services to drive sustainable development and economic inclusion in the future.
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Billy, Kaombe, Mukosa Francis, Windu Matoka Dr., and Mukuma Rabbie. "Creative Destruction – An Inevitable Reality for the Financial Services Sector in Zambia?" International Journal of Current Science Research and Review 04, no. 12 (2021): 1729–42. https://doi.org/10.47191/ijcsrr/V4-i12-17.
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Abstract : The financial services sector in Zambia has become increasingly exposed to the ever-growing challenges posed by mobile network operators (MNOs). The introduction of mobile money by MNOs has witnessed increased usage of mobile money services. During the same period, there has been a noticeable decline in the usage of digital banking services. The research study therefore sought to establish whether there was a correlation between increased usage of mobile money services and usage of digital banking services in Zambia. The study was quantitative in nature and was based on secondary data sources. Data from 19 of the 21 digital financial services providers in Zambia were analysed using times series trend analysis and simple linear regression analysis. In order to establish whether a correlation existed between increased usage of mobile money services and usage of digital banking services in Zambia, a t- test was conducted. This acted as a guide to the decision as to whether or not to accept or reject the null hypothesis. The study failed to reject the null hypothesis and therefore concluded that no correlation existed between increased usage of mobile money services and usage of digital banking services. However, the study expounded the research results in terms of Schumpeter, Christensen and Foster’s ideas on disruptive innovation.
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Ocansey, Evans N. N. D., Philomena Dadzie, and Nicholas Bamegne Nambie. "Mobile Money Use, Digital Banking Services and Velocity of Money in Ghana." International Journal of Economics and Financial Issues 14, no. 2 (2024): 218–33. http://dx.doi.org/10.32479/ijefi.15767.
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Investigating the correlation between digital financial services, mobile money usage, and money velocity in Ghana, the study analysed time series data spanning from 1992 to 2022. A composite index was constructed by principal component analysis using data extracted from the world development indicators, with the components mobile money usage, digital financial services, and velocity of money. The estimation utilised an impulse response function and vector error correction model; the results indicated that mobile money, digital financial services, and money velocity are related in both the short and long term. Furthermore, the application of a standard deviation innovation to the velocity of money produced increases of both positive and negative magnitude for all the variables. This suggests that mobile money, digital banking services, and velocity of money in Ghana are interdependent in an asymmetric manner. In order to facilitate an increase in the velocity of money, the research concluded that policymakers should guarantee that a greater proportion of the population has access to mobile money and digital banking services. In addition to promoting mobile money, online banking services, and digital payment methods on purpose, the government should reduce reliance on physical currency and expedite the circulation of money. It is recommended that future longitudinal studies involving African nations employ diverse estimation techniques.
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Akomea-Frimpong, Isaac, Charles Andoh, Agnes Akomea-Frimpong, and Yvonne Dwomoh-Okudzeto. "Control of fraud on mobile money services in Ghana: an exploratory study." Journal of Money Laundering Control 22, no. 2 (2019): 300–317. http://dx.doi.org/10.1108/jmlc-03-2018-0023.
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Purpose Fraud is a global economic menace which threatens the survival of individuals, firms, industries and economies, and the mobile money service is no exception. This paper aims to explore the main causes of fraud in the mobile money services in Ghana and the measures to combat the menace by the key stakeholders connected to the mobile money services. The paper is motivated by recent reports of numerous fraudulent transactions on the mobile money platform, and the need to clamp down these nefarious transactions with effective and practical measures to sustain the service. Design/methodology/approach A thorough review of existing studies on fraud risk relating to mobile money services was done revealing a paucity of literature on the subject. Primary data were gathered using an interview guide to explore the magnitude of the problem based on the views of employees of mobile money operators, mobile money agents, banking supervisors from Bank of Ghana, employees of partnering banks, employees of National Communications Authority and mobile money subscribers. Findings The study revealed that fraud in mobile money services is caused by weak internal controls and systems, lack of sophisticated information technology tools to detect the menace, inadequate education and training and the poor remuneration of employees. These factors disrupt the growth, and the smooth-running of the services. To curb this menace, a detailed legal code and internal fraud policy should be developed and used by mobile money operators and partner banks. Adequate training for mobile money agents should be encouraged coupled with public awareness campaigns to educate stakeholders especially the mobile money subscribers on the tricks of the fraudsters. Research limitations/implications With the chosen research methodology and limited sample size, the findings may not reflect the views of all the stakeholders connected to the mobile money services. Therefore, future studies on this subject are entreated to use research methods which embrace larger samples to get more details about this menace. Practical implications The study will assist in tackling the mobile money fraud to sustain the service in the foreseeable future. Originality/value This paper contributes to scanty literature on fraud relating to the mobile money services by drawing lessons from a middle-income country.
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Orotin, P., W. Quisenbery, and Sun Ted. "A Study on Factors Facilitating Access to Mobile Phone Money in Uganda." Greener Journal of Business and Management Studies 3, no. 6 (2013): 279–91. https://doi.org/10.15580/gjbms.2013.6.071213722.
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The convergence of mobile telephony and financial services has the potential to significantly expand access to financial services to individuals at the base of the pyramid. In Uganda, roughly 80 percent of the population has no access to banking services and mobile phone money, a financial service and transaction made on a mobile phone could address this financial gap. The focus of this phenomenological study was to explore access to mobile phone money in Uganda, in particular, from the experiences of 4 mobile network operators, 8 network agents and 19 mobile phone money users in Kampala district. The question for this research was: What are the factors influencing access to mobile phone money in Uganda? The conceptual framework for this study was based on Kim and Mauborgue’s concept of Blue Ocean Strategy (Kim & Mauborgue, 2005). Key findings revealed that a wide network of agents was the most important factor for access to mobile phone money services. The most used mobile phone money service was transfer of money to relatives and friends. The main conclusion from this study is that mobile phone money has improved financial inclusion in Uganda as over 2 million adults who were previously unbanked are accessing financial services using their mobile phones.
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Mutsonziwa, Kingstone. "Mobile Money Landscape in the 12 SADC Countries using FinScope Survey Data." GIS Business 12, no. 3 (2017): 25–32. http://dx.doi.org/10.26643/gis.v12i3.3356.
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There is no doubt that mobile money is bringing the under-served and the excluded population into the main stream financial services corridors. Based on the FinScope surveys, mobile money is becoming one of the enablers of financial inclusion. In an increasing number of developing countries, a number of poor people are using basic mobile phones to transfer money, paying for goods and accessing some basic financial services. According to the World Bank, mobile financial services are amongst the most promising mobile applications in the developing world. Although FinScope results show that mobile money usage is relatively low (23%) in the SADC region, the trend of usage is coming up fast. FinScope results show that close to 7 in 10 mobile money users are using it as a remittances/money transfer vehicle while 54% for buying airtime. It is encouraging that about 7 million adults (24% of mobile money) store value or save money in their mobile money accounts. Some barriers to mobile money relate to: affordability, perceived cost of mobile money, lack of understanding of mobile money/lack of awareness and no access to cell phones. Besides these barriers, mobile money is becoming a game changer for the landscape of financial inclusion in the SADC region.
Dissertations / Theses on the topic "Services du mobile money"
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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.<br>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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Osah, Olam-Oniso. "Determinants of user continuance intention towards mobile money services : the case of M-pesa in Kenya." Doctoral thesis, University of Cape Town, 2015. http://hdl.handle.net/11427/16718.
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Includes bibliographical references<br>The turn of the millennium witnessed the uptake and proliferation of mobile technology in developing regions. This occurrence has provided a medium for mobile telecommunication vendors within the region to create and offer services that are now accessible across socio-economic classes. A notable case of a widely adopted mobile technology-enabled service in the developing world is a mobile money service in Kenya called M-pesa. Since its inception, M-pesa has witnessed a mass adoption which has generally been attributed to prior lack of access by majority of individuals' in the country to affordable regulated financial services. M-pesa's presence has now been anticipated to afford a larger population the initial opportunity to harness economic benefits such as: increase money circulation, increase employment opportunities, facilitate social capital accumulation, facilitate savings, and promote financial autonomy, amongst others. Also, M-pesa based transactions in Kenya are reported to exceed those of western union globally. Whilst M-pesa presently vaunts large user adoption numbers, it is the first of its kind in the region to amass such achievement. Further, historically: products and services of similar nature to M-pesa have been unsustainable. A case of M-pesa's demise would have dire implication for the Kenyan economy and 30% of the households in the country that rely on it for remittances. To understand this phenomenon, extant studies have examined the drivers of adoption of this service but have slacked in subsequent investigations to understand user continuance with the service. As such, the information systems literature cautions that initial adoption of technology, although crucial, does not guarantee sustained use. Therefore it is imperative to investigate drivers of continuance. In general, extant research has not focused on investigations of user continuance intention in Africa. In response, this thesis presents an African based study on the determinants of user continuance intention towards M-pesa. Specifically, the purpose of this study was to i) identify and discuss factors from the literature that are most likely to influence user continuance intention towards M-pesa, (ii) develop a research model that is grounded in theory, (iii) test the model within the sample context to identify the antecedents and determinants of user continuance intention towards M-pesa in Kenya. A broad, critical review of the relevant literature provided basis for hypothesized relationships between the identified factors. A formal survey of users of M-pesa in Kenya comprised the phase of data collection and resulted in a usable data set of (n=434). The data collected from the respondents within Kenya was relied upon to test the hypotheses. The survey instrument used to measure the study's constructs was developed via a process of literature review, expert pre-testing, pilot testing, and statistical validation. Partial Least Square and Artificial Neural Network analyses were used to examine the study's measurement and structural model comprising variables of : behavioural beliefs (post-usage usefulness, confirmation, satisfaction), control-beliefs (utilization and flow), object-based beliefs (perceived task-technology fit, system quality, information quality, and service quality), and attitudinal belief (trust). Collectively, the afore-listed ten independent variables and one dependent variable (continuance intention) comprised the study's model. Four of the independent variables (utilization, satisfaction, flow, and trust) were hypothesized to directly determine continuance intention. Of these four, all emerged as determinants of continuance intention. However, trust emerged as the strongest determinant, subsequently, utilization, flow, and satisfaction respectively. The result was unexpected, as satisfaction (a behavioural belief) has been presented in the extant literature as the dominant determinant of continuance intention but does not hold a consistent predictive strength in a developing world. Its predictive power was diluted by trust, utilization, and flow amongst the Kenyan sample. The study's model revealed an R² of 0.334. The analyses demonstrated that user continuance intention is determined by factors across object, control, attitudinal, and behavioural beliefs. The unexpected finding of the rankings of predictive strength of the factors turns a new leaf and introduces areas of further inquiry in future studies. The study concludes with realized contributions to theory and important guidelines for current and future technology-enabled service vendors in developing regions.
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Ky, Serge. "Essays on the rise of mobile financial technology in developing countries and its impact on individual financial behaviors." Thesis, Limoges, 2016. http://www.theses.fr/2016LIMO0077/document.
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Cette thèse étudie les déterminants de l'adoption des services financiers par téléphonie mobile et ses conséquences sur les comportements financiers individuels dans les pays en développement. Elle est composée de trois chapitres/articles auto-référents. Le premier chapitre étudie l'adoption croissante des services financiers par téléphonie mobile dans les pays en développement en distinguant mobile money (utilisation du mobile pour accéder à des services financiers) et mobile banking (services financiers liés à un compte bancaire accessibles par téléphonie mobile) et en confrontant l'Afrique Sub-Saharienne aux autres pays en développement. L'étude montre que le mobile money est plus répandu que le mobile banking dans les pays en développement mais plus encore en Afrique Sub-Saharienne. Les déterminants de son adoption sont liés aux facteurs macroéconomiques, à l'étendue des services financiers et des activités d'intermédiation du secteur bancaire dans chaque pays et surtout de l'ampleur des transferts d'argent des migrants. Le chapitre 2 analyse l'impact de l'adoption du mobile money sur le comportement individuel d'épargne à partir de données d'une enquête de terrain menée au Burkina Faso en 2014. En distinguant l'épargne selon qu'elle est constitué pour des événements prévisibles ou non, les résultats montrent que le mobile money a un impact favorable sur l'épargne lorsqu'elle est destinée à faire face à des événements imprévisibles et plus particulièrement à d'éventuels problèmes de santé. Les résultats plus précis révèlent que ce sont en fait les groupes défavorisés à qui le mobile money permet effectivement de développer cette capacité d'épargne, la sécurité et la possibilité de transferts d'argent dans la sous-région apparaissent comme les principaux facteurs explicatifs. Le chapitre 3 exploite ces données d'enquête en étudiant l'impact de l'adoption du mobile money sur l'utilisation des services financiers traditionnels (formels et informels). L'analyse montre que les utilisateurs du mobile money le privilégient pour effectuer leurs dépôts grâce aux avantages qu'il apporte en termes d'accès, de coût, de liquidité et de confidentialité par rapport aux services financiers traditionnels. Cependant, l'étude révèle que l'utilisation du mobile money renforce l'accès des usagers des services financiers informels et des groupes défavorisés à la fois aux banques et aux caisses d'épargne<br>This dissertation investigates determinants of mobile financial technology adoption and its consequences on individual financial behaviors in developing countries. It is structured around three chapters/self-contained papers. The first chapter explores the growing adoption of mobile financial technology in developing countries by distinguishing mobile money (use of a mobile phone to access financial services) from mobile banking (access of banking services using a mobile phone) and setting Sub-Saharan Africa against other developing countries. The results show that mobile money adoption dominates mobile banking in developing countries especially in Sub-Saharan Africa. Determinants of its adoption include macroeconomic factors, outreach of financial services, banking sector intermediation activities and especially remittances. The second chapter analyzes the impact of mobile money adoption on individual saving behavior by using individual-level survey data that we designed and conducted in 2014 in Burkina Faso. By distinguishing saving for predictable events from that for unpredictable events, the findings show that mobile money has a positive impact only on saving for unpredictable events especially saving for health emergencies. Precisely, the results show that disadvantaged groups who use mobile money are likely to save for health emergencies, and that safety and the availability of money transfers within the sub-region appear as factors that may explain the use of mobile money to save for health emergencies. The third chapter exploits the same survey data to analyze the impact of mobile money adoption on the usage of traditional (formal and informal) financial services. The results show that mobile money is preferred for deposits over traditional financial services because of the convenience that it provides in terms of relative access, risk, liquidity and privacy. Interestingly, the results reveal that the use of mobile money brings participants in informal deposit mechanisms and disadvantaged groups toward banks and credit unions
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Thabane, Matela. "Assessing the Principal Agent Problem in Mobile Money Services: Lessons from M – PESA in Lesotho." Thesis, University Of Cape Town, 2018. http://hdl.handle.net/11427/29934.
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The expansion and diffusion of mobile phones globally has resulted in the provision of financial transactional services over the existing mobile phone platforms, generally referred to as mobile money. The supply end of mobile money services is an important factor in the success of the financial transactions offering. This research assessed vulnerabilities in the mobile money supply network that are inherently related to the existence of the principal – agent problem and their implications on availability and access to the services. The research study was conducted using a qualitative approach. Qualitative information was collected through interviews guided by open – ended questionnaires. Thematic analysis approach was followed to systematically analyse the data and generate findings of the study. Agent transactional data was analysed to complement the findings from qualitative analysis The findings suggest that the principal agent problem permeates the mobile money delivery network mainly after businesses joining as agents and manifests as moral hazard. Moral hazard is the dominant feature of the principal – agent problem, with adverse selection very low. Drivers of moral hazard are demonstrated by the influences and demands of agents’ core businesses and challenges in agent monitoring and training. The existence of the principal – agent problem has limited or no implications on access and availability of services. However, overtime the combined vulnerabilities identified related to the principal agent problem are likely to manifest into risks that are likely to affect access and availability of mobile money services. Regulators, Mobile Network Operators and agent enterprises must collectively review monitoring approaches for mobile money service providers to address challenges identified and increase the effectiveness of monitoring. Service provision standards should be reviewed to suit the various business environments the services are provided within. Mobile Network Operators and agent enterprises need to institute stronger partnership arrangements that enhance ownership and obligations for all parties, in particular agent enterprises. Agreements must enable application of different mobile money delivery models suitable to meet the demands and requirements of the agents’ core businesses. Innovations such as Near Field Communication (NFC) can be integrated with Point of sale (POS) applications and mobile money platforms to reduce the administration burden on agents and human error. Such applications must consider the cost implications of adoption from the agents’ business perspective.
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Talom, Frank Sylvio Gahapa. "Impact of mobile money services on financial performance of SMEs: the case of Douala, Cameroon." Thesis, Cape Peninsula University of Technology, 2020. http://hdl.handle.net/20.500.11838/3007.
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Thesis (MTech (Entrepreneurship))--Cape Peninsula University of Technology, 2020<br>Often effectively excluded by formal financial systems, small and medium-sized enterprises (SMEs) in developing countries have found in Mobile Money services an efficient and cost effective means of availing themselves of financial services without holding bank accounts. In order to provide meaningful recommendations to the stakeholders of the banking sector of Cameroon, small and medium-sized enterprises, Mobile Money service providers, and relevant state organs, this study was conducted to investigate the influence of Mobile Money services on the financial performance of SMEs in two markets in Douala in Cameroon. A mixed methods research design was employed to conduct the study. The quantitative data was collected through the administration of a survey questionnaire and the qualitative data from one-on-one in-depth interviews. By means of snowball sampling, a sample of 285 SMEs was obtained to respond to the survey questionnaire, while the researcher used purposive sampling to select the owners or managing directors of twelve of the respondents to participate in the interviews.
Version 25 of the Statistical Package for the Social Sciences software was used to analyse the quantitative data, while the qualitative data was subjected to thematic analysis. Correlation and regression analyses yielded that independent variables pertaining to the adoption of Mobile Money services by the respondents to the questionnaire predicted of the order of 73 percent of variance with respect to increased sales turnover. Most of the twelve interviewees perceived that their business operations had improved significantly after they had begun making and receiving payments in the form of Mobile Money transactions. The participants in the study used Mobile Money mainly to receive money, send money, and buy airtime and a significant majority perceived that Mobile Money services were more cost effective than those of banks. Convenience, safety, and accessibility were the attributes of Mobile Money which the participants cited as having provided their principal motivations for electing to register as users of Mobile Money services. It could be concluded that Mobile Money services exerted a significant positive influence on the financial performance of the SMEs of the participants in the study. On the basis of the conclusions which were drawn from the findings, recommendations were made to the owners of SMEs in Douala, the Ministry of Small and Medium-sized Enterprises, Social Economy, and Handicrafts and Mobile Money service providers. The findings of the study underscore the role of Mobile Money services as an effective means of increasing financial inclusion and financial performance and could be useful to academics, owners and managers of SMEs, financial institutions in Cameroon and elsewhere, and also relevant policy makers.
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Lans, Nicklas, and Svensson Olivia Nestius. "Mobile remittance market growth : Identifying and using key drivers for country evaluation." Thesis, KTH, Hållbarhet och industriell dynamik, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-169608.
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Migrants sending money to their countries of origin provide capital that has the potential to improve the long-run economic performance of many countries in the world. But the cost for sending remittances is unreasonably high, and there are a number of barriers hindering low- cost solutions, such as mobile money transfer services, to increase in scale. The transformation of the remittance industry is therefore impeded. This research aimed to address this problem and find the factors that are driving the market for mobile remittances forward. By identifying and understanding the key drivers, this research makes it possible for companies providing mobile remittance services to find countries that can foster a sustainable industry growth and transform the industry efficiently. As a complement to a majority of quantitative studies performed within the field of mobile money, this research used both qualitative and quantitative methods. To apply a holistic approach, the PESTLE framework was used as a structure for several parts of the research process. Key drivers were identified from an extensive literature review and interviews with industry experts. By answering a questionnaire, professionals, industry experts and researchers, rated the key drivers’ importance for the growth of the mobile remittance market. The most critical key drivers were identified and used to develop a framework for evaluating how suitable a country’s market environment is for mobile remittances. One main finding was that the perceptions on what, and who, is driving the market for mobile remittances forward are varying and highly dependent on whom is asked, but that there are some factors that people agree are of particular importance. First, the mobile remittance service should be easy to use, secure, and of lower cost than other services. It is important to have a supportive infrastructure providing efficient liquidity management for agents, high agent density and network reliability. To increase the customer awareness and adoption, agents should be educated in how to use and sell the service, and how to educate the customer. Collaborative partnerships could leverage the distribution network and increase the market interoperability, and lastly, it was shown that mobile remittances can be supported by a regulatory environment that enables mobile money and branchless banking. This research showed that to the degree to which a country’s market environment fulfils these criteria can give an indication on how suitable it is for mobile remittances. A wide range of aspects and stakeholders need to be considered and supported to foster a sustainable industry growth, and this research provides guidelines that are relevant for both companies and researchers.<br>Det kapital som migranter bidrar med när de skickar pengar till sitt hemland bidrar också till det landets ekonomiska utveckling. Kostnaden för att skicka remittanser är emellertid orimligt hög och det finns ett antal barriärer som hindrar lågkostnadslösningar, såsom mobila finansiella tjänser, att nå stor skala. På grund av sådana barriärer hämmas utvecklingen av den ineffektiva och ofta riskfyllda remittansindustrin. Den här studien har strävat efter att angripa problemet genom att hitta faktorer som driver marknaden för mobila remittanser framåt. Genom att identifiera och förstå de drivande faktorerna gör den här forskningen det möjligt för företag som erbjuder mobila remittanstjänster att hitta länder som kan främja en hållbar remittansindustri och bidra till en effektivare förändring av industrin. Som ett komplement till de i huvudsak kvantitativa studier som genomförts inom området för mobila finansiella tjänster har den här studien använt både kvalitativa och kvantitativa metoder. För att göra tillvägagångssättet holistiskt har PESTLE-ramverket använts som en struktur under flera delar av forskningsprocessen. Drivande faktorer identifierades genom en omfattande litteraturstudie och intervjuer med industriexperter, och genom att besvara en enkät graderade yrkesverksamma, industriexperter och forskare de drivande faktorernas betydelse för den mobila remittansmarknadens tillväxt. De mest kritiska drivande faktorerna identifierades och användes för att utveckla ett ramverk som har syftet att utvärdera hur passande ett lands marknadsmiljö är för mobila remittanser. En av huvudslutsatserna är att uppfattningarna kring vad och vem som driver marknaden för mobila remittanser framåt varierar stort mellan de tillfrågade. Men forskningen visar också att det finns några faktorer vars höga betydelse de tillfrågade personerna var eniga om. Mobila remittanstjänster ska vara enkla att använda, säkra och kosta mindre än andra remittans- tjänster. Det är viktigt att infrastrukturen är stöttande genom en hög drifttillförlitlighet och att agenter har möjlighet till effektiv likviditetshantering. För att öka kundmedvetenheten och upptagandet bör agenter bli utbildade i hur tjänsten ska användas och säljas, samt hur kund- erna ska utbildas. Marknaden för mobila remittanser kan stöttas ytterligare genom partnerskap som utnyttjar distributionsnätverk och ökar marknadens interoperabilitet, samt genom regel- verk som främjar mobila finansiella tjänster. Forskningen visade att flera av dessa faktorer kan indikera hur passande ett lands marknadsmiljö är för mobila remittanser. Det finns många aspekter och intressenter som behöver tas hänsyn till och bli stöttade för att främja tillväxt, och studien bidrar med riktlinjer som kan vara av värde för både företag och forskning.
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Morawczynski, Olga. "Examining the adoption, usage and outcomes of mobile money services : the case of M-PESA in Kenya." Thesis, University of Edinburgh, 2011. http://hdl.handle.net/1842/5558.
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This thesis will examine the adoption, usage and outcomes of a mobile money service called MPESA. Since being launched in 2007, the service has seen phenomenal growth in Kenya. Over 7.5 million users, or 34% of the adult population, have registered with M-PESA. Such growth is impressive as it has surpassed other ICTs in the country. This includes the mobile phone, which has been hailed as the fastest growing ICT in Africa. It has also surpassed the growth of mobile money in the North, where many services have been discontinued because they failed to attract a sufficient number of customers. M-PESA thus provides an interesting case of an ICT growing rapidly in the South, and “failing” in the North. In this context, the first part of the thesis examines why such rapid growth occurred. This analysis is presented from two perspectives. First, the socio-technical systems framework is used to present M-PESA as a complex system rather than an isolated application. This perspective makes clear that M-PESA grew rapidly because it had a dedicated team of system builders. These individuals took numerous strategies to enroll the elements and maintain the stability of the entire system. They further worked to engineer the social, economic, legal and political environments of the technology. Growth is also explained from the perspective of the user. The thesis makes clear that M-PESA was widely adopted because it fit into existing social practices and systems of logic. In other words, it helped users to do what they were doing before the technology was introduced. This includes money transfers back home. It also includes savings. The thesis further reveals that financial practices began to change as M-PESA became integrated into daily life. For example, users began to send money home more often. They also increased the number of their savings transactions. Such changing practices engendered a variety of consequences to daily life. This includes rising household incomes in the rural areas. It also includes new struggles over limited resources. The impacts, or wider-scale implications of usage, are also discussed. The analysis shows that a whole industry for mobile money developed as a result of M-PESA’s success. The thesis makes a contribution to knowledge in several ways. It presents a case of domestication in the South and highlights the unique factors that shape this process, from wide-scale political violence to structures of debt and obligation. It further makes the relationship between technologies and impact more clear. It shows that the technology itself does not engender the outcomes. It does, however, have a role in shaping the practices that do.
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Madebwe, Charles. "An investigation into the role played by perceived security concerns in the adoption of mobile money services : a Zimbabwean case study." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017933.
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The ubiquitous nature of mobile phones and their popularity has led to opportunistic value added services (VAS), such as mobile money, riding on this phenomenon to be implemented. Several studies have been done to find factors that influence the adoption of mobile money and other information systems. The thesis looks at factors determining the uptake of mobile money over cellular networks with a special emphasis on aspects relating to perceived security even though other factors namely perceived usefulness, perceived ease of use, perceived trust and perceived cost were also looked at. The research further looks at the security threats introduced to mobile money by virtue of the nature, architecture, standards and protocols of Global System for Mobile Communications (GSM). The model employed for this research was the Technology Acceptance Model (TAM). Literature review was done on the security of GSM. Data was collected from a sample population around Harare, Zimbabwe using physical questionnaires. Statistical tests were performed on the collected data to find the significance of each construct to mobile money adoption. The research has found positive correlation between perceived security concerns and the adoption of money mobile money services over cellular networks. Perceived usefulness was found to be the most important factor in the adoption of mobile money. The research also found that customers need to trust the network service provider and the systems in use for them to adopt mobile money. Other factors driving consumer adoption were found to be perceived ease of use and perceived cost. The findings show that players who intend to introduce mobile money should strive to offer secure and useful systems that are trustworthy without making the service expensive or difficult to use. Literature review done showed that there is a possibility of compromising mobile money transactions done over GSM
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Agbezoutsi, Kodjo Edem. "e-Services Mobiles et Sécurisés Légers." Electronic Thesis or Diss., Institut polytechnique de Paris, 2024. http://www.theses.fr/2024IPPAT040.
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Dans cette thèse, nous exposons nos contributions à l'amélioration de l'écosystème du Mobile Money en identifiant ses défis majeurs et en proposant des solutions adaptées. Ces solutions visent à renforcer la sécurité et l'interopérabilité des services de Mobile Money, tout en prenant en compte les capacités limitées des terminaux mobiles. Pour ce faire, nous avons réaliséun état des lieux qui met en lumière des enjeux clés, tels que l'absence de fédération, de traçabilité et d'interopérabilité entre les plateformes Mobile Money des opérateurs de téléphonie mobile, ces dernières étant gérées par des bases de données distinctes.La blockchain est présentée comme une solution pour améliorer la sécurité, la transparence et la fiabilité des transactions. L'outil BTOOLS, un logiciel open source compatible avec plusieurs plateformes, a été développé pour générer des transactions blockchain sécurisées à l'aide de services cryptographiques. Une nouvelle architecture de Mobile Money intégrant lablockchain et l'USSD a également été proposée pour garantir une interconnexion transparente entre les différents acteurs de l'écosystème, y compris les banques, les MNO, les régulateurs et les clients.Le protocole « Mobile Money Using Blockchain » (2MUB) est un élément central des contributions de la thèse. Il a été développé en deux versions, la seconde apportant des améliorations en matière d'interopérabilité de traçabilité et de fédération.Ce protocole utilise une architecture décentralisée basée sur des smart contracts pour définir les règles decompensation entre les acteurs du Mobile Money. Trois scénarii d'implémentation ont été proposés : deux via lecanal USSD, et un via TCP/IP.Enfin, une plateforme expérimentale a été développée pour valider le protocole 2MUB. Elle utilise Node.js, Ganache, Hardhat et Sepolia pour implémenter une blockchain à deux niveaux, et son interface utilisateur est accessible via USSD grâce à Africa’s Talking. Des analyses ont montré le bon fonctionnement de la solution proposée<br>In this thesis, we present our contributions to the improvement of the Mobile Money ecosystem by identifying its major challenges and proposing suitable solutions. These solutions aim to enhance the security and interoperability ofMobile Money services while considering the limited capabilities of mobile devices. To achieve this, weconducted a state-of-the-art analysis that highlights key issues, such as the lack of federation, traceability, and interoperability between the Mobile Money platforms of mobile network operators (MNOs), as these are managed by separate databases.Blockchain is proposed as a solution to improve the security, transparency, and reliability of transactions. The BTOOLS tool, an open-source software compatible with multiple platforms, was developed to generate secure blockchain transactions using cryptographic services. A new Mobile Money architecture integrating blockchain and USSD was also proposed to ensure seamless interconnection between the various actors in the ecosystem, including banks, MNOs, regulators, and customers.The "Mobile Money Using Blockchain" (2MUB) protocol is a central element of the thesis contributions. It was developed in two versions, with the second offering improvements in terms of interoperability, traceability, and federation. Thisprotocol uses a decentralized architecture based on smart contracts to define settlement rules among Mobile Money participants. Three implementation scenarios were proposed: two via the USSD channel, and one via TCP/IP.Finally, an experimental platform was developed to validate the 2MUB protocol. It uses Node.js, Ganache, Hardhat, and Sepolia to implement a two-layer blockchain, with its user interface accessible via USSD through Africa’s Talking. Analyses have shown that the proposed solution functions well
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Gordano, Peile Cecilia. "Contested Discourses on Migrant Connectivity: Migrant Users and Corporations of Mobile Phone and Money Transfer Services in Catalonia. An interdisciplinary approach." Doctoral thesis, Universitat Oberta de Catalunya, 2013. http://hdl.handle.net/10803/128619.
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La tesi sosté que les empreses privades que presten serveis de connectivitat constitueixen actors cada vegada més influents en la migració contemporània. Per això analitza els discursos comercials dels proveïdors de telefonia mòbil i serveis de transferència de diners a Espanya, i els contrasta amb les experiències d'equatorians i marroquins que viuen a Catalunya i usen aquests serveis per mantenir-se en contacte amb les seves xarxes personals, tant en les societats d'origen com de destinació. El disseny de la recerca combina els Estudis Culturals i els Estudis Crítics del Discurs per analitzar els testimoniatges dels migrants així com els discursos comercials a través de la publicitat i d'entrevistes amb responsables de les empreses. D'una banda, les conclusions van mostrar els mecanismes mitjançant els quals els discursos corporatius han mercantilizat i estetizat les experiències de connectivitat dels migrants. D'altra banda, es va evidenciar un paper actiu dels migrants com a agents de les seves estratègies de connectivitat, apropiant-se dels serveis oferts i creant estratègies de baix cost per convertir limitacions en oportunitats, en moments de creixent mobilitat, connectivitat digital i la consolidació d'una economia de serveis.<br>La tesis sostiene que las empresas privadas que prestan servicios de conectividad constituyen actores cada vez más influyentes en la migración contemporánea. Por ello analiza los discursos comerciales de los proveedores de telefonía móvil y servicios de transferencia de dinero en España, y los contrasta con las experiencias de ecuatorianos y marroquíes que viven en Cataluña y usan estos servicios para mantenerse en contacto con sus redes personales, tanto en las sociedades de origen como de destino. El diseño de la investigación combina los Estudios Culturales y los Estudios Críticos del Discurso para analizar los testimonios de los migrantes así como los discursos comerciales a través de la publicidad y de entrevistas con responsables de las empresas. Por un lado, las conclusiones mostraron los mecanismos mediante los cuales los discursos corporativos han mercantilizado y estetizado las experiencias de conectividad de los migrantes. Por otro lado, se evidenció un papel activo de los migrantes como agentes de sus estrategias de conectividad, apropiándose de los servicios ofrecidos y creando estrategias de bajo costo para convertir limitaciones en oportunidades, en momentos de creciente movilidad, conectividad digital y la consolidación de una economía de servicios.<br>The thesis argues that private enterprises providing connectivity services are increasingly becoming influential actors in contemporary migration. It focuses on the commercial discourses of providers of mobile phone and money transfer services in Spain, contrasting them with Ecuadorian and Moroccan migrant users’ experiences of connectivity to keep in touch with their personal networks in both origin and destination societies. The research design combined Cultural Studies and Critical Discourse Studies to look at migrants’ accounts as well as service providers’ first-hand accounts and commercial advertising texts. On the one hand, the conclusions showed the mechanisms through which corporate discourses have commodified and aestheticized migrants’ experiences of connectivity. On the other hand, they evidenced migrants’ active roles as agents of their connectivity strategies, appropriating the services offered, creating low-cost strategies that turn constraints into opportunities, in times of increasing mobility, digital connectivity and the consolidation of a service based economy.
Books on the topic "Services du mobile money"
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1961-, Chatain Pierre-Laurent, and World Bank, eds. Integrity in mobile phone financial services: Measures for mitigating risks of money laundering and terrorist financing. World Bank, 2008.
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United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit. The future of money: Where do mobile payments fit in the current regulatory structure? : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, second session, June 29, 2012. U.S. G.P.O., 2012.
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Koivukoski, Ulla, and Vilho Räisänen, eds. Managing Mobile Services. John Wiley & Sons, Ltd, 2005. http://dx.doi.org/10.1002/0470021462.
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Hirsch, Frederick, John Kemp, and Jani Ilkka. Mobile Web Services. John Wiley & Sons, Ltd, 2006. http://dx.doi.org/10.1002/9780470017982.
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Meng, Liqiu, Alexander Zipf, and Stephan Winter, eds. Map-based Mobile Services. Springer Berlin Heidelberg, 2008. http://dx.doi.org/10.1007/978-3-540-37110-6.
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Meng, L., T. Reichenbacher, and A. Zipf, eds. Map-based Mobile Services. Springer-Verlag, 2005. http://dx.doi.org/10.1007/b138407.
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Illinois. Office of Secretary of State. Mobile driver services facility. Secretary of State, 2001.
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Liqiu, Meng, Zipf Alexander, and Reichenbacher Tumasch, eds. Map-based mobile services. Springer, 2005.
Find full textBook chapters on the topic "Services du mobile money"
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Shaikh, Aijaz A., Richard Glavee-Geo, Heikki Karjaluoto, and Robert Ebo Hinson. "How is the use of mobile money services transforming lives in Ghana?" In Marketing and Mobile Financial Services. Routledge, 2018. http://dx.doi.org/10.4324/9781351174466-12.
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Baguma, Rehema. "Mobile Money Services in Uganda: Design Gaps and Recommendations." In Human-Computer Interaction. Users and Contexts of Use. Springer Berlin Heidelberg, 2013. http://dx.doi.org/10.1007/978-3-642-39265-8_27.
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Mpofu, Favourate Y. "Mobile Money Services and Sustainable Development Effect in Africa." In The Fourth Industrial Revolution in Africa. Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-28686-5_8.
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Novikova, Evgenia, and Igor Kotenko. "Visual Analytics for Detecting Anomalous Activity in Mobile Money Transfer Services." In Advanced Information Systems Engineering. Springer Berlin Heidelberg, 2014. http://dx.doi.org/10.1007/978-3-319-10975-6_5.
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Matsumoto, Tomoya, and Ggombe Kasim Munyegera. "Mobile Revolution and Rural Development." In Emerging-Economy State and International Policy Studies. Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-5542-6_17.
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AbstractMobile phones have spread rapidly over the last two decades and are now being used even in rural areas of low-income countries, where the poor are concentrated. The number of mobile phone subscriptions per 100 people in the Sub-Saharan Africa region went from 1.7 in 2000 to 82.4 in 2018, meaning that mobile phones have spread to almost all regions and all social classes. The widespread use of mobile phones has made it possible to deliver voice and text information to remote areas at a low cost and has also triggered a variety of services using mobile phones as a platform. Particularly in Sub-Saharan Africa, electronic payment services on mobile phones or ‘mobile money’ rapidly spread and changed people’s lives. This significant change involves not only the urban wealthy but also the rural farmers who previously had little access to financial services. This essay summarizes the findings from the authors’ recent research on the impact of the mobile revolution on the lives of rural residents in developing economies.
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Woldmariam, Mesfin F., Gheorghita Ghinea, Solomon Atnafu, and Tor-Morten Grønli. "Mobile Money System Design for Illiterate Users in Rural Ethiopia." In Design, User Experience, and Usability. User Experience Design for Everyday Life Applications and Services. Springer International Publishing, 2014. http://dx.doi.org/10.1007/978-3-319-07635-5_47.
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Saxena, Raman, and Ravi Mokashi Punekar. "The Factors Influencing Usage Intention of Urban Poor Population in India Towards Mobile Financial Services (Mobile Payment/Money)." In Design for Tomorrow—Volume 2. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-0119-4_6.
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Young, Pat. "Money." In Welfare Services. Macmillan Education UK, 1993. http://dx.doi.org/10.1007/978-1-349-12921-8_4.
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Mam, Herdy Wahid. "Investigating the Factors Affecting Mobile Money Adoption in the Kurdistan Region of Iraq: The Case of Newroz Telecom FastPay." In Empirical Studies of an Internet and Service Based Economy. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-3389-1_4.
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Mpofu, Olipha, and Nednah Maraga. "Mobile money." In Financial Inclusion Regulatory Practices in SADC. Routledge, 2023. http://dx.doi.org/10.4324/9781003369400-7.
Full textConference papers on the topic "Services du mobile money"
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Azamuke, Denish, Marriette Katarahweire, and Engineer Bainomugisha. "MoMTSimDP: A Differentially Private Simulator for Mobile Money Transactions." In 2025 IEEE/ACM Symposium on Software Engineering in the Global South (SEiGS). IEEE, 2025. https://doi.org/10.1109/seigs66664.2025.00018.
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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). IEEE, 2024. https://doi.org/10.1109/icaisd63055.2024.10895681.
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Ghislain, Somda Metouole Mwinbe Yves, Mamadou Ba, Ahamadi Nasry, and Samuel Ouya. "Combating Mobile Money Vishing: A Simulation Using Asterisk and STIR/SHAKEN Protocol." In 2025 5th International Conference on Innovative Research in Applied Science, Engineering and Technology (IRASET). IEEE, 2025. https://doi.org/10.1109/iraset64571.2025.11008208.
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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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Anania, Jeniffer Charles, and Julian Lucas Kimario. "Influence of Technology-Related Factors on The Use of Mobile Money Services in Tanzania: The Moderating Role of Financial Literacy." In 16th International Operations Research Society of Eastern Africa Annual Conference. ORSEA Journal, 2025. https://doi.org/10.56279/orseaj.c2024.2.
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This study investigates the key factors influencing mobile money usage in Tanzania, focusing on technological determinants (mobile phone ownership, internet access, and bank account ownership), and demographic characteristics. Additionally, the study investigates the moderating role of financial literacy in shaping the relationship between these technological factors and mobile money usage. Grounded in the Technology Acceptance Model (TAM) and Theory of Planned Behaviour (TPB), the research uses a cross-sectional design with secondary data from the 2023 FSDT survey, including 9,915 individuals aged 16 and above. Two models are employed: the Diverse Mobile Money Service Usage (DMMSU), analysed using ordinary least squares (OLS), and the Likelihood of Mobile Money Service Usage (LMMSU), examined using logistic regression. Stata 14 software was used for all analyses. Study found that mobile phone ownership, internet access, and bank account ownership significantly predict mobile money usage, indicating the importance of technological access for financial inclusion. Financial literacy positively moderates the relationship between technological factors and mobile money usage, but negatively moderates the relationship between bank account ownership and mobile money usage, suggesting that financially literate individuals with bank accounts may rely less on mobile money services. This study offers a unique contribution by examining the intersection of technological determinants and financial literacy in driving mobile money usage in Tanzania. Unlike previous studies that focus solely on technology or demographics, it integrates both aspects while introducing the moderating effect of financial literacy. The research uses a nationally representative sample and applies both OLS and logistic regression models, providing comprehensive insights into diverse and likely mobile money usage behaviors.
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AGBEZOUTSI, Kodjo Edem, Pascal URIENe, and Tounde Mesmin DANDJINOU. "Towards Blockchain Services For Mobile Money Traceability And Federation." In 2019 3rd Cyber Security in Networking Conference (CSNet). IEEE, 2019. http://dx.doi.org/10.1109/csnet47905.2019.9108970.
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Namisango, Fatuma, Maria Miiro Kafuko, and Gorretti Byomire. "Understanding user experience of mobile money services in emerging markets." In 2017 IST-Africa Week Conference (IST-Africa). IEEE, 2017. http://dx.doi.org/10.23919/istafrica.2017.8102305.
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"Tutorial 2: Blockchain and CryptoMoney, towards IP money and blockchain computing." In 2017 Third International Conference on Mobile and Secure Services (MobiSecServ). IEEE, 2017. http://dx.doi.org/10.1109/mobisecserv.2017.7886556.
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Husni, Emir, and Adrian Ariono. "Development of integrated mobile money system using Near Field Communication (NFC)." In 2014 8th International Conference on Telecommunication Systems Services and Applications (TSSA). IEEE, 2014. http://dx.doi.org/10.1109/tssa.2014.7065959.
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Mpogole, Hosea, Yohana Tweve, Neema Mwakatobe, Serijo Mlasu, and Deo Sabokwigina. "Towards non-cash payments in Tanzania: The role of mobile phone money services." In 2016 IST-Africa Week Conference. IEEE, 2016. http://dx.doi.org/10.1109/istafrica.2016.7530611.
Full textReports on the topic "Services du mobile money"
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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), 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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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, 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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Noah, Alphonse, and Ruth Tacneng. Cameroon’s Tax on Mobile Money: Implications for Agents' Performance and Revenue Sustainability. Institute of Development Studies, 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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Noah, Alphonse, and Ruth Tacneng. Cameroon’s Tax on Mobile Money: Implications for Agents’ Performance and Revenue Sustainability. Institute of Development Studies, 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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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, 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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Niesten, Hannelore. Taxation Policies, Processes, and Performances of Mobile Money Providers in Côte d’Ivoire. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.030.
Full textAbstract:
This policy brief examines the effects of cumulative, specific 7.2 per cent taxes on mobile money (MM) service providers in Côte d’Ivoire. It assesses the unique tax framework, which deviates from the consumer-centric trend observed in many African countries, where end-users typically bear the burden. Initially targeting telecom companies, the tax expanded to encompass MM providers created by licensed telecom operators (Orange Money, MTN Money, and Moov Money) and, later, all companies providing MM operations. Concerns over potential investment declines persist, yet concrete evidence is absent. The data available suggests a decrease in MM turnover, partially due to lowered MM service prices, though telecom regulator reports note a lack of communication in MM revenue reporting. If specific taxes were reduced or abolished, the funds originally allocated could be reinvested, particularly to bolster agent commissions in rural zones, given the heightened competition between diverse payment service players in Côte d’Ivoire. The study emphasises the importance of a level playing field with other money transfer services provided by banks, local businesses, and fintech.
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Hearson, Martin, Philip Mader, and Mary Abounabhan. Taxing Mobile Money in Africa: Risk and Reward. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.071.
Full textAbstract:
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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Apeti, Ablam Estel, and Eyah Denise Edoh. Finding the Missing Stone: Mobile Money and the Quality of Tax Policy and Administration. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.012.
Full textAbstract:
Digital financial services like mobile money are increasingly prevalent in developing countries as an alternative to traditional financial services. For many governments, they have become critical components of domestic revenue mobilisation, tax administration modernisation, and broader tax reform. However, making tax administration more efficient and maximising voluntary compliance is a very difficult task. The existing literature on the relationship between mobile money and tax performance in developing countries is limited, although it does show the potential of mobile money to improve tax performance. This paper aims to fill the gap by investigating the relationship between mobile money and the quality of tax policy and administration in developing economies and highlighting some mechanisms underlying these findings, including a lower tax compliance burden, a smaller informal sector, and lower corruption.
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Akua Anyidoho, Nana, Max Gallien, Mike Rogan, and Vanessa van den Boogaard. Mobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy. Institute of Development Studies, 2022. http://dx.doi.org/10.19088/ictd.2022.012.
Full textAbstract:
The use of digital financial services, including money transfers and mobile money, have expanded widely in lower-income countries in the past decade; 47 per cent of the population of sub-Saharan Africa (548 million) had a registered mobile money account in 2020, with 29 per cent of those accounts representing active users (Andersson-Manjang and Naghavi 2021: 8). Among lower-income countries for which data is available, the average number of mobile money accounts is more than double the number of commercial bank accounts. In many lower-middle-income countries, mobile money usage is the same or more than commercial bank usage (Bazarbash et al. 2020). Alongside this growth, governments have increasingly sought to tax DFS, rooted in deeper discussions about the role that technology can play in increasing tax revenue and strengthening overall state capacity (Fan et al. 2020; Okunogbe and Santoro 2021). While capturing revenue from DFS can come from many sources, mobile money taxes in particular have often been introduced due to the untapped revenue potential and the relatively convenient and easy nature of the tax handle (Lees and Akol 2021a) – particularly in relation to, say, corporate income taxes on financial service providers. As noted above, the search for revenue is often closely linked to a desire to capture revenue from workers in the informal economy, who are often framed as tax evaders.
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Carreras, Marco, Awa Diouf, and Hannelore Niesten. The Ghana E-Levy: Impact on the Usage of Mobile Money. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.060.
Full textAbstract:
Ghana introduced an electronic transaction levy (E-Levy) on digital financial transactions in May 2022, following many other countries in Africa. Our paper looks at the impact of the E-Levy on mobile money usage and user perceptions. We use data from the Ghana Chamber of Telecommunications (GCT) on usage of several mobile money services (sending, receiving, payments, and withdrawals), and nationally representative survey data collected by the ICTD on individuals and businesses.