A number of qualitative studies such as Morawczynski and Pickens 2009 and Mas and Morawczynski 2009 have explored the economic and social impacts of M-Pesa in Kenya. Ignacio Mas is Deputy Director of the Program on Financial Services for the Poor at the Bill and Melinda Gates Foundation.
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Morawczynski and Miscione 2008 293.
Mas and morawczynski 2009. Of particular interest to us is. Payments banks are basically stripped-down versions of banks which can be promoted by existing non-bank PPI cos non-banking finance companies mobile operator companies andor supermarket chains and can deliver services such as acceptance of demand deposits. 16 For further analysis on M-PESAs service design see Mas and Morawczynski 2009.
The research offers insights into how poor people use M-PESA its impact on their lives and some unexpected consequences. Related overviews see Mas and Rotman 2008 and Mas and Kumar 2008. Mas and Morawczynski 2009.
Also see Jack and Suri 2011 for more data on the. In just four weeks Safaricom the company that launched the mobile pay system registered more than 20000 new customers for M-PESA and between its introduction in March 2007 and 2009 its customer base grew to over six million in Kenya Mas and Morawczynski 2009. Miscione 2008 Exploring Trust in M-Banking Transactions.
Also see Jack and Suri 2011 for more data on the. Pages 160 This preview shows page 32 - 34 out of 160 pages. The success cannot be attributed to technology alone.
Michel-kerjan and Peter Blom and Reginald Van Lee and Mark J. Morawczynski 2009 Designing Mobile Money Services Lessons from M-PESA Innovations. For related overviews see Mas and Rotman 2008 and Mas and Kumar 2008.
Morawczynski and her colleagues have. Up to 10 cash back While the authors are quick to observe that mobile money still displays the characteristics of a platform much like other network infrastructures it is in fact reconfiguring retail finance and how cash is moved around especially in low-resource settings in the developing world Kendall et al. Kendall et al 2012.
Surveys of users show it is a highly valued service and Safaricom continues to expand the range of applications it can be used for. Ignacio Mas and Amolo Ngweno Bill Melinda Gates Foundation1 Abstract M-Pesa a mobile-phone based electronic payments system has been adopted by 85 million Kenyans in the relatively short span of 2½ years. BibTeX MISCVan09analysis57 author Reginald Van and Lee Megacommunities and Mark J.
Olga Morawczynski is a doctoral candidate at the University of Edinburgh. This brief draws on some of the first ethnographic research on Mobile-Swahili for money M-PESA one of the earliest success stories in mobile phone-based delivery of financial services. Mas I Morawczynski O.
In Ghana users reported that they did not want others neighbours friends relatives etc to know that they had money with them as it would lead to a social pressure to lend and this in turn. The usage patterns described above can be mixed in varying ways. Plotkin and Matt Flannery and Ignacio Mas and Olga Morawczynski and Designing Mobile and Transfer Services and Steven Horwitz and Best Responders and Erwann O.
Morawczynski and Pickens 2009. Morawczynski 2009 This has created a significant amount of jobs for people who. For instance Morawczynski and Pickens 2009 find ethnographic evidence that M-Pesa has changed the savings behavior the pattern of remittances and has increased rural.
Technology Governance Globalization 2009 42 77-91. Mas and Morawczynski 2009 contend that improving levels of FI contribute to the availability of funds for innovative entrepreneurs and certainly the reduction in costs achieved by banks. Related overviews see Mas and Rotman 2008 and Mas and Kumar 2008.
In addition it is readily redeemable on demand for cash at approved retail agents and ATMs Mas and Morawczynski 2009 86-87. Provided by an infrastructure of roughly 35000 agentsshopkeepers gas stations banks and. For example a user may receive a transfer and withdraw some of the value while transferring some of the remaining amount elsewhere and leaving some e-float in his account for future transactions.
In addition to enhancing existing. See Mas and Morawczynski 2009. Remarkable growth see Mas and Morawczynski 2009 and Morawczynski and Pickens 2009 among others.
2 Mbiti and Weil forthcoming document the low cost of M-PESA compared with other means of sending internal remittances in Kenya. M-PESA itself has been started in Tanzania and South Africa. Morawczynski and Pickens 2009.
Haas Plyler and Nagarajan 2010. Mas and Morawczynski 2009. For qualitative analyses of M-PESA see Morawczynski 2008.
Mas and Morawczynski 2009 believe that the phenomenal growth of mobile money services depend on latent demand for money transfer services driven. And Plyler Haas and Nagarajan 2010. While M-Pesa was not the first launched March 2007 large-scale implementation its rapid uptake is perhaps what differentiates it from Smart Money or G-Cash from the Philippines Wishart 2006.
Course Title MGT MISC. Mas 2008 The Early Experience with Branchless Banking Mas I. Number of countries in Latin America and the Middle East Mas 2009.
He has been an advisor in the Technology Program at CGAP and Director of Business Strategy at Vodafone Group. Mas and Morawczynski 2009. School Holy Trinity College.
Haas Plyler and Nagarajan 2010. A safe place to store their money Morawczynski 2009 has made it easier for service users to recover from financial shocks eg job loss or failed harvest Jack and Suri 2014 and facilitated the transmission of remittances from urban residents to their rural friends and relatives Mas and Ngweno 2010. 17 For further analysis on the informal and semi-formal financial services used by poor households in developing countries see Collins et al 2009.
Mendes Alampay et al. The Middle East Mas 2009 and Ivatury and Pickens 2006. This paper presents ten key service design features that have facilitated the rapid adoption and active use of M-PESA in Kenya.
Gerencser and Chris Kelly and Robin Portman. Historically mobile money has been distinguished from bank deposits by the fact that mobile money 4does not pay interest to account-holders Argent Hanson and Gomez. Morawczynski 2009 this has created a significant.
Morawczynski and Pickens 2009. For qualitative analyses of M-PESAsee Morawczynski 2008. For related overviews see also Mas and Rotman 2008 and Mas and Kumar 2008 as well as other publications of the Consultative Group to Assist the Poor at.
Iii Abstract This thesis will examine the adoption usage and outcomes of a mobile money service called M-PESA. Concept of Kenyas payments bank M-Pesa Mas and Morawczynski 2009. For qualitative analyses of M-PESA see Morawczynski 2008 Mas and Morawczynski 2009 Morawczynski and Pickens 2009.
Mas and Morawczynski 2009. These relate to branding and messaging ease of use consistency of customer experience agent monitoring instantaneous customer registration free deposits ability to send money to non-registered customers. Contributed to its massive use Mas and Morawczynski 2009.
Since being launched in 2007. And Plyler Haas and Nagarajan 2010.
Enhancing Financial Sector Surveillance In Low Income Countries Case Studies In Policy Papers Volume 2012 Issue 026 2012
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