Mobile Money and Mobile Technologies: A Structural Estimation

2020 ◽  
Author(s):  
Yan Dong ◽  
Sining Song ◽  
Sriram Venkataraman ◽  
Yuliang Yao
Keyword(s):  
Mobile Technology ◽  
Mobile Network ◽  
Mobile Technologies ◽  
Supply Side ◽  
Social Good ◽  
Mobile Money ◽  
The Past ◽  
Market Shares ◽  
Mobile Network Operators

Mobile money is a service bundled with mobile technology and a social good that promotes financial inclusion for the under-served populations. Although the effect of mobile money has been examined in the past, we look at the supply side effects as it is important for managers to understand the role of mobile money in both providing social good and making a profit. From 1G to 4G mobile technologies, mobile money consistently serves as a competitive advantage for mobile network operators (MNOs). However, this does not mean that the effect stays unchanged over the generations of mobile technology. Instead, when the 3G technology allows web browsing as a major upgrade of mobile functionality, MNOs with mobile money have a substantially larger set of options to differentiate from those without mobile money; and as a result, mobile money implemented with 3G and 4G leads to larger market shares than that with 1G and 2G.

Scaling Mobile Technologies to Maximize Reach and Impact

2018 ◽  
pp. 193-211
Author(s):  
Ambika Samarthya-Howard ◽  
Debbie Rogers
Keyword(s):  
Mobile Technology ◽  
Social Issues ◽  
Internet Access ◽  
Mobile Network ◽  
Mobile Technologies ◽  
Middle Income ◽  
Middle Income Countries ◽  
Starting Point ◽  
The World ◽  
Mobile Network Operators

This chapter explores three existing financial approaches to scaling mobile technologies in low- and middle-income countries: user-paid services, reverse billing, and zero-rated platforms. As affordability is an impediment to internet access, key strategies focusing around the involvement of mobile network operators and governments are investigated in relation to sustainability, scale, reach, and impact for mobile technology projects in the world. Various examples under each type are explored as a starting point for understanding the risks and benefits of each approach. The chapter also discusses the importance of mobile initiatives in tackling social issues today.

Known by the Network

2003 ◽  
pp. 171-189 ◽  
Author(s):  
Stuart James Barnes
Keyword(s):  
Value Added ◽  
Mobile Network ◽  
Location Based Services ◽  
Strategic Issues ◽  
Data Services ◽  
Asset Tracking ◽  
The Media ◽  
Revenue Streams ◽  
Mobile Network Operators

The use of mobile telecommunications devices for commercial transactions, coined mobile (m-) commerce, has been an emerging trend since the late 1990s. As the phenomenal growth of the Internet and mobile devices has continued unabated, the inevitable convergence of these two streams of technologies has occurred, promising a plethora of mobile data services to the handset user. Although these services have been considerably hyped in the media, and adoption has been somewhat patchy and limited, it does signal the emergence of a range of innovative value added services. With further developments in technology and markets, further services will appear, bringing new revenue streams. One potential area of m-commerce development is in location-based services (LBS). LBS are heralded as the next major class of value added services that mobile network operators can offer their customers. Using a range of network- and handset-based positioning techniques, operators will be able to offer entirely new services and improvements on current ones. Popular examples cited include emergency caller location, people or asset tracking, navigation, location-based information, or geographically sensitive billing. The purpose of this chapter is to examine the technologies, applications and strategic issues associated with the commercialisation of LBS. The chapter concludes with some predictions on the role of LBS in m-commerce.

Trust: mediator between mobile money adoption and usage and financial inclusion

2019 ◽  
Vol 16 (8) ◽  
pp. 1215-1237
Author(s):  
George Okello Candiya Bongomin ◽  
Joseph Ntayi
Keyword(s):  
Developing Countries ◽  
Mobile Network ◽  
Mobile Telephone ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Mediating Effect ◽  
Content Type ◽  
Mobile Money ◽  
The Relationship

Purpose Recently, a large body of research has been devoted on the role of trust in shaping different types of transactions, especially in rural financial development. Trust is a set of expectations shared by all those who engage in an exchange. Indeed, the “rule of the game” suggests that no trusting party in a transaction should act opportunistically. Consequently, this study aims to establish the mediating effect of trust in the relationship between mobile money adoption and usage and financial inclusion of MSMEs in developing countries with a specific focus on rural Uganda. Design/methodology/approach A quantitative survey-based study was used and responses obtained from 379 MSMEs located in northern Uganda were analysed using partial least square-PLS version 3.0. A semi-structured questionnaire was developed from scales and items used in previous studies referenced in internationally recognised journals to elicit responses from the MSMEs. Structural equation modelling was used to test the models to arrive at a final empirical model derived from the data. Findings The authors found evidence that trust enhances mobile money adoption and usage to increase the scope of financial inclusion of MSMEs in developing countries. Moreover, when individual effect was determined, trust also had significant and positive effect on financial inclusion. Thus, the study results imply that trust enhances mobile money adoption and usage to improve the level of financial inclusion of MSMEs in developing countries. Research limitations/implications The study used cross-sectional data to document the relationship between mobile money adoption and usage and financial inclusion and to establish the mediating effect of trust in the relationship. Future research could use relevant longitudinal data to verify other benefits of trust. Practical implications The results present trust as a significant factor for FINTECH financial services marketing and growth. Specifically, data privacy and effectiveness of the mobile telephone network is more likely to help consumers to bridge the gap between participation and non-participation on the mobile money platform. Customers’ data sent over the mobile network of providers should be protected from unnecessary access and usage by Mobile Network Operators (MNOs) staff and unauthorised persons and agents. Data protection protocols should be set by the MNOs to avoid unnecessary access and use of customers’ data. Originality/value Globally, Fintech scholars have examined the role of mobile money in promoting financial inclusion. However, there is insufficient evidence on the mediating effect of trust in the relationship between mobile money adoption and usage and financial inclusion, especially among rural MSMEs. This study invents a novel direction on the importance of trust in creating transaction efficiency by eliminating opportunism and fraud with in the Fintech ecosystem.

Mobile technology and development

2020 ◽  
pp. 496-512
Author(s):  
Bitange Ndemo ◽  
Dennis Aiko
Keyword(s):  
Information And Communication Technologies ◽  
Mobile Technology ◽  
Communication Technologies ◽  
Mobile Technologies ◽  
Policy Framework ◽  
Efficient Manner ◽  
Information And Communication ◽  
Progressive Policy ◽  
The Impact

Mobile technologies are creating unprecedented changes in Kenya. The ways in which people conduct business have been disrupted, and citizens can access information and services in a more efficient manner. Kenya is also among the leading countries to leverage mobile technology for greater financial inclusivity. This chapter reviews the policy framework that has underpinned Kenya’s digital transformation, as well as the impact and disruptions caused by innovations in information and communication technologies (ICT) that have been introduced as a result. The chapter considers the potentially transformative role of emerging mobile and digital technologies by assessing the favorable economic, organizational, political, social, and cultural environments necessary for their development. It concludes that the development of a progressive policy in a fast-changing technological landscape has catapulted Kenya to the ranks of innovative nations, but that such technology is not a panacea for broader development and governance concerns.

Carrying That Ten Thousand Dollar Lab in a Backsack

2011 ◽  
pp. 94-109
Author(s):  
Dongqing Yuan ◽  
Jiling Zhong
Keyword(s):  
Learning Environment ◽  
Open Source ◽  
Mobile Network ◽  
Cellular Phone ◽  
Detailed Account ◽  
Mobile Technologies ◽  
Ubiquitous Learning ◽  
Mobile Computer ◽  
The Past ◽  
Ubiquitous Learning Environment

In the past decade, with the development of wireless and other mobile technologies, including mobile computer, cellular phone, and GPS, educational practitioners have had the opportunity to develop a ubiquitous learning environment. This chapter provides a detailed account of developing a mobile network laboratory with a set of open source software (OSS) that allows students to conduct the labs either as an individual or as a group at anytime and anywhere.

Supporting Marketing Practices

E-Marketing ◽  
2012 ◽  
pp. 1-15
Author(s):  
Süphan Nasir
Keyword(s):  
Mobile Communication ◽  
Value Added ◽  
Mobile Network ◽  
Mobile Technologies ◽  
Mobile Marketing ◽  
Mobile Business ◽  
Doing Business ◽  
Wide Range ◽  
Mobile Network Operators ◽  
Corporate Customers

The concept of mobile communication has been rapidly changing all over the world and the Global System for Mobile communication (GSM) business has been evolving from voice services to value added services (VAS). The rapid growth in mobile technology enables Mobile Network Operators (MNOs) to provide a wide range of VAS to their corporate customers and these VAS change and transform companies’ way of doing business. The purpose of this chapter is to analyze the corporate VAS of a MNO, which has gained global acceptance and recognition, as a case study in order to understand how the mobile communication changes the companies’ way of doing business. The key supporting mobile technologies, services and solutions, which are provided by the case company to its corporate customers, are reviewed in order to comprehend the mobile technologies, practices, and devices that support mobile business (m-business) and mobile marketing (m-marketing) applications.

Mobile technologies and supply chain management - lessons for the hospitality industry

2014 ◽  
Vol 20 (2) ◽  
pp. 207-219
Author(s):  
Tomislav Car ◽  
Ljubica Pilepić ◽  
Mislav Šimunić
Keyword(s):  
Supply Chain ◽  
Supply Chain Management ◽  
Mobile Technology ◽  
Mobile Applications ◽  
Hospitality Industry ◽  
Mobile Technologies ◽  
Successful Implementation ◽  
Mobile Business ◽  
Chain Management

Purpose – The purpose of this paper is to define preconditions and integration capabilities of the mobile business in supply chain management (SCM) in the hospitality industry via mobile devices and mobile applications. The aims of this paper are to reflect on what mobile technology has to offer and to draw attention to the role of mobile applications and their use in the SCM. Although mobile technologies are present in almost all areas, they are not used to their full potential. Design – The paper defines the concept of supply chain management in the hospitality industry and provides information about benefits of its successful implementation. Furthermore, this paper highlights the role of mobile technologies and mobile applications in supply chain management in the hospitality industry that bring numerous benefits starting with cost reduction, increased functionality, productivity, efficiency and ending up with satisfied users of logistics products in the hospitality industry. Methodology/approach - Based on an extensive literature review, the authors propose new solutions, such us “Bring Your Own Device” (BYOD) in the field of mobile business. Therefore, this paper attempts to investigate the possibilities offered by mobile technologies in the SCM. Findings – The paper introduces new trends in the field of mobile technology and emphasizes their importance and the impact in the management of modern supply chain. Furthermore, the findings in this paper may be useful in developing mobile solutions for SCM in the hospitality industry. Originality – This article provides useful insights for all participants in supply chain to better understand the benefits of the application of mobile technologies and mobile applications in the management of modern supply chain. The paper can also serve as a basis for further research in the area of application of mobile technologies in creating logistics products in the hospitality industry.

Anchoring Growth: The Importance of Productivity-Enhancing Reforms in Emerging Market and Developing Economies

2014 ◽  
Vol 05 (02) ◽  
pp. 1450001 ◽  
Author(s):  
Era Dabla-Norris ◽  
Giang Ho ◽  
Kalpana Kochhar ◽  
Annette Kyobe ◽  
Robert Tchaidze
Keyword(s):  
Developing Economies ◽  
Emerging Market ◽  
Supply Side ◽  
The Past ◽  
Sectoral Productivity ◽  
Growth Prospects ◽  
Increase Productivity ◽  
Broad Policy ◽  
Future Growth

This paper examines the supply side drivers of growth in emerging market and developing economics (EMDEs) during the past decades and discusses the role of productivity-enhancing reforms in bolstering future growth prospects. It examines aggregate and sectoral productivity trends including around reform episodes to draw broad policy lessons on what policies are needed to increase productivity. Findings suggest appropriate policies need to be tailored to the stage of economic development and to other pertinent features that give rise to the heterogeneous experiences of EMDEs.

scholarly journals On the role of infrastructure sharing for mobile network operators in emerging markets

2011 ◽  
Vol 55 (7) ◽  
pp. 1576-1591 ◽  
Author(s):  
Djamal-Eddine Meddour ◽  
Tinku Rasheed ◽  
Yvon Gourhant
Keyword(s):  
Emerging Markets ◽  
Mobile Network ◽  
Mobile Network Operators

Mobile Direct Marketing

2009 ◽  
pp. 269-281
Author(s):  
Ralf Wagner ◽  
Martin Klaus
Keyword(s):  
Mobile Phones ◽  
Mobile Technology ◽  
Mobile Communication ◽  
Direct Marketing ◽  
Mobile Technologies ◽  
Mobile Telephones ◽  
Technology Applications ◽  
Marketing Actions ◽  
Potential Customers

The role of mobile terminals such as mobile telephones, or PDAs, is shifting from gadgetry to serious platforms for direct marketing actions. The ubiquitous use of these devices offers companies a perfect medium through which to promote their products and services in a personalized and interactive way. Since mobile phone users are rarely without their mobile phones, mobile electronic devices provide marketers with almost permanent contact opportunities to introduce their products directly to potential clients. Although potential customers are attracted by the promotion of appealing technologies and sophisticated products and services via mobile communication, the intended impact of this direct marketing approach is often thwarted as it is seen by some as invasive and an infringement of privacy. This chapter outlines the opportunities and challenges of mobile technology applications for direct marketing and relates mobile technologies to a scheme of tasks for successful direct marketing. The chapter concludes by highlighting examples to demonstrate ways of conducting successful mobile direct marketing.

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