Mobile Payment Services, Government Involvement, and Mobile Network Operator Performance

2022 ◽  
Author(s):  
Yan Dong ◽  
Sining Song ◽  
Fan Zou
Keyword(s):  
Critical Role ◽  
Market Performance ◽  
Mobile Network ◽  
Problem Definition ◽  
Financial Inclusion ◽  
Mobile Payment ◽  
Data Set ◽  
Government Involvement ◽  
Payment Services

Problem definition: Recent developments in mobile payment services (MPS) have shown an increasing role of mobile-government (m-government) initiatives in improving the market performance of mobile network operators (MNOs) and financial inclusion. High costs and operational challenges have discouraged MNOs from fully committing to the development of MPS, but government involvement under m-government may increase MNO user bases by providing the scale and scope necessary to incentivize MNOs. Academic/practical relevance: Extant research on mobile payment has ignored the role of governments as important stakeholders in the mobile financial ecosystem. Our research contributes to the literature by examining the role of governments as business partners in MPS launches and the effect of government involvement on MNO user bases. Methodology: Using a unique proprietary data set from the mobile network industry, we design a quasi-experiment to examine the causal effects of government involvement in MPS on MNOs’ total mobile connections. More importantly, we adopt a changes-in-changes (CIC) estimation approach to further establish nonlinear treatment effects of government involvement based on MNO size and MPS type. Results: We find that government involvement expands MNO user bases beyond MPS launches. Such effects increase with MNO size and MPS variety, favoring larger MNOs and, to a certain degree, MNOs with diverse offerings of government-involved MPS. Government involvement in MPS launches also directly benefits MNOs with microloan services. In addition, government regulations and policies to encourage financial inclusion can also expand MNO user bases. Managerial implications: Governments play a critical role in promoting technologies and financial services both as a regulator and as a business partner. To improve market performance, MNOs should take advantage of the scale and scope of government services by partnering with government agencies in launching MPS. MNOs should also embrace government policies and regulations to increase user bases.

scholarly journals Predicting mobile network operators users m-payment intention

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Choi-Meng Leong ◽  
Kim-Lim Tan ◽  
Chin-Hong Puah ◽  
Shyh-Ming Chong
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Mobile Network ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mediation Effect ◽  
Mobile Payment ◽  
Content Type ◽  
Payment Services ◽  
Mobile Network Operators

Purpose This study aims to investigate the intention of using mobile payment (m-payment) services in Sarawak, Malaysia. Design/methodology/approach A total of 194 online payment users were selected to respond to the structured questionnaire. The partial least squares-structural equation modelling (PLS-SEM) was used to analyse the data by assessing the measurement and model. Findings Perceived usefulness (PU) and perceived ease of use mediated the relationship between perceived compatibility (PC) and the intention to use the mobile payment for mobile network operators’ services. Research limitations/implications The analysis provides insights that PC is considered as a significant determinant for mobile payment of mobile network operators’ services. Practical implications The operators can consider factors such as PC in the design of their mobile applications and the potential to expand the m-payment services to others e-wallet such as Sarawak e-wallet. The model possesses medium prediction power, which suggests that other variables such as perceived security and personal innovativeness also can be used to predict the usage behaviour of mobile payment for the mobile network services. Originality/value The present study contributes to the m-payment users’ behaviour intention literature by investigating the mobile-based predictors of using m-payment technology in an emerging digital economy state in Sarawak, Malaysia. This study also extends the knowledge of technology acceptance model by introducing the mediation effect of PU and ease of use between the mobile-based predictors and m-payment intention.

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.

Business Model for Mobile Payment in China

2015 ◽  
Vol 5 (2) ◽  
pp. 20-43 ◽  
Author(s):  
Jie Guo ◽  
Shahrokh Nikou ◽  
Harry Bouwman
Keyword(s):  
Business Model ◽  
Mobile Network ◽  
User Profile ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Research Approach ◽  
Mixed Method Research ◽  
Design Issues ◽  
Structured Interviews ◽  
Payment Services

Despite the predicted success of mobile payment, the market remains immature in most countries. Major concerns are the relationship between push and pull technologies, and the role of platforms, service innovation, power and control in ecosystems. As the first step in their mixed-method research approach, using Analytic Hierarchy Process (AHP) as a research approach and the STOF business model as a research framework, the authors aim to identify design issues for m-payment services from mobile network operators' perspectives. Furthermore, the authors compare insights from semi-structured interviews with experts in the field to the empirical findings, to assess how the actual business model of Chinese m-payment services can be improved based on design issues derived from the business model. The results show that components such as building customer trust on payment services, innovative payment experience, and extend market to new segments, guarantee security and privacy issues, user profile management, and hardware problems involving existing infrastructure, customer/merchant relationship, platform interoperability, and cost saving on fraud detection need to be improved to enhance the potential of m-payment, supported by a viable and sustainable business model. There is also a role for policy and regulation to be played.

scholarly journals Analysis of the Small RNA Transcriptional Response in Multidrug-Resistant Staphylococcus aureus after Antimicrobial Exposure

2013 ◽  
Vol 57 (8) ◽  
pp. 3864-3874 ◽  
Author(s):  
Benjamin P. Howden ◽  
Marie Beaume ◽  
Paul F. Harrison ◽  
David Hernandez ◽  
Jacques Schrenzel ◽  
...  
Keyword(s):  
Staphylococcus Aureus ◽  
Expression Profiles ◽  
Critical Role ◽  
Nonnegative Matrix ◽  
Transcriptional Response ◽  
Antibiotic Exposure ◽  
Data Set ◽  
Remarkable Feature ◽  
Content Type

ABSTRACTThe critical role of noncoding small RNAs (sRNAs) in the bacterial response to changing conditions is increasingly recognized. However, a specific role for sRNAs during antibiotic exposure has not been investigated inStaphylococcus aureus. Here, we used Illumina RNA-Seq to examine the sRNA response of multiresistant sequence type 239 (ST239)S. aureusafter exposure to four antibiotics (vancomycin, linezolid, ceftobiprole, and tigecycline) representing the major classes of antimicrobials used to treat methicillin-resistantS. aureus(MRSA) infections. We identified 409 potential sRNAs and then compared global sRNA and mRNA expression profiles at 2 and 6 h, without antibiotic exposure and after exposure to each antibiotic, for a vancomycin-susceptible strain (JKD6009) and a vancomycin-intermediate strain (JKD6008). Exploration of this data set by multivariate analysis using a novel implementation of nonnegative matrix factorization (NMF) revealed very different responses for mRNA and sRNA. Where mRNA responses clustered with strain or growth phase conditions, the sRNA responses were predominantly linked to antibiotic exposure, including sRNA responses that were specific for particular antibiotics. A remarkable feature of the antimicrobial response was the prominence of antisense sRNAs to genes encoding proteins involved in protein synthesis and ribosomal function. This study has defined a large sRNA repertoire in epidemic ST239 MRSA and shown for the first time that a subset of sRNAs are part of a coordinated transcriptional response to specific antimicrobial exposures inS. aureus. These data provide a framework for interrogating the role of staphylococcal sRNAs in antimicrobial resistance and exploring new avenues for sRNA-based antimicrobial therapies.

scholarly journals Where is Waldo? or find the platelet

2021 ◽  
Author(s):  
D. G. Menter
Keyword(s):  
Wound Repair ◽  
Immune Cell ◽  
Common Knowledge ◽  
Critical Role ◽  
Large Data ◽  
Data Set ◽  
Cell Recruitment ◽  
Biological Responses ◽  
Migration Capacity

AbstractPlatelets evolved from nucleated thrombocytes that exhibit both coagulation and immune function. The essential role of platelets in coagulation is common knowledge. The larger and critical role of platelets in immune responses and cancer are frequently overlooked in our modern-day, large-data-set, sequencing-oriented efforts. Much like Waldo, their small size, biophysical characteristics, rapid biological responses, active cytoskeleton, migration capacity, and lack of a nucleus make them difficult to track as single platelets disappear while executing their function into the histologic “tissue scape”. The adaptive evolution of platelets is linked to placentalization and stopping massive blood loss. This resulted in exclusion of any platelet nucleus and therefore sustainable gene expression due to being extruded in the billions (1011) per day from megakaryocytes under bone marrow protection. The platelets’ small size and sheer number in circulation, combined with an active open canalicular exchange- and membrane-reserve system, plus an array of pathogen receptors enable them to deal with small pathogenic viral treats and to decorate larger ones for further immune identification and immune-cell recruitment. Once stimulated, platelets release most serum-based cytokines and growth factors that contribute to cell growth and wound repair, and potentially to immune suppression. From a self-taught practitioner of the illustrative arts with a ken for platelet biology, this offering is a humble attempt to provide a stimulating sketch of the critical importance of platelet biology and insights into potential new directions for finding the Waldo-esque platelet.

The Reality of Mobile Payment Systems and Social Inclusion in Latin America

2020 ◽  
pp. 901-923
Author(s):  
Myriam Martínez-Fiestas ◽  
Katia Oviedo-Cáceres ◽  
Ignacio Rodriguez-Garzon
Keyword(s):  
Latin America ◽  
Social Inclusion ◽  
Business Models ◽  
Financial Inclusion ◽  
Mobile Payment ◽  
Payment Systems ◽  
Mobile Money ◽  
The Social ◽  
Social Disparity

This chapter describes the role of mobile payment systems in Latin America as a means leading ultimately to social inclusion and financial inclusion. Specifically, the first section will discuss the social disparity in Latin America and the existence of financial and social exclusion. The second section will analyze Latin America's mobile payment systems, the region's current panorama of mobile money, the general trends that characterize money and the business models used for mobile money.The third section will review mobile money as a mechanism of financial inclusion and its role in reducing poverty in Latin America. This section will also analyze the barriers to financial inclusion.The fourth section will focus on the risks of mobile payment systems such as money laundering and terrorism funding.The chapter will conclude by comparing the similarities and differences of mobile payment systems that contribute to social inclusion implemented in Brazil, Colombia, Mexico, Paraguay and Argentina.

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