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Fertile grounds for mobile money: towards a framework for analysing enabling environments created by Amrik Heyer and Ignacio Mas

By: Contributor(s): Material type: TextTextSeries: Enterprise Development and Microfinance ; Volume 22, number 1United Kingdom: Practical Action Publishing, 2011Content type:
  • text
Media type:
  • unmediated
Carrier type:
  • volume
ISSN:
  • 17551978
Subject(s): LOC classification:
  • HG178.3 ENT
Online resources: Abstract: The potential of mobile phones to revolutionize access to financial services in developing countries is exemplified powerfully by the success of the M-Pesa mobile money service in Kenya. But the apparent difficulty of replicating M-Pesa's success even in neighbouring countries suggests that some contexts may be more receptive to such an innovation than others. In this paper we seek to understand the environmental dynamics affecting the uptake of mobile money. We demonstrate that, aside from strong strategy and good business models, the impact of financial services in developing countries is dependent on the potential for market penetration, and the socio-economic and political environments in which services take root.
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Holdings
Item type Current library Call number Vol info Copy number Status Notes Date due Barcode
Journal Article Journal Article Main Library - Special Collections HG178.3 ENT (Browse shelf(Opens below)) Vol. 22, no. 1 (pages 30-44) SP12150 Not for loan For in house use

The potential of mobile phones to revolutionize access to financial services in developing countries is exemplified powerfully by the success of the M-Pesa mobile money service in Kenya. But the apparent difficulty of replicating M-Pesa's success even in neighbouring countries suggests that some contexts may be more receptive to such an innovation than others. In this paper we seek to understand the environmental dynamics affecting the uptake of mobile money. We demonstrate that, aside from strong strategy and good business models, the impact of financial services in developing countries is dependent on the potential for market penetration, and the socio-economic and political environments in which services take root.

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