scholarly journals Déterminants de l’Usage du Transfert d’Argent Mobile par les Utilisateurs d’Internet Mobile au Mali

2021 ◽  
Vol 17 (41) ◽  
pp. 103
Author(s):  
Issa Sacko ◽  
Madou Cissé ◽  
Falingué Keita
Keyword(s):  
Negative Impact ◽  
Secondary Level ◽  
Mobile Internet ◽  
Mobile Money ◽  
Industrial Economy ◽  
Internet Users ◽  
Binomial Regression ◽  
Money Transfer ◽  
Main Determinants ◽  
Transfer Services

Le présent papier analyse les principaux déterminants de l’utilisation des services de transfert d’argent mobile par les internautes maliens en situation mobile. Les données collectées auprès de 1739 individus utilisateurs d’Internet mobile de l’étude du groupe de recherche en économie solidaire et industrielle (GRESI) ont été utilisées. Après avoir implémenté le modèle Logit qui est un modèle de régression binomiale, les résultats montrent qu’avoir un niveau d’instruction inférieur au niveau secondaire, avoir un âge compris entre 15-35 ans et la cherté du coût de connexion jouent négativement sur la probabilité d’utiliser le mobile money via Internet mobile au Mali. Tandis que le revenu, la zone de résidence urbaine, les compétences en informatiques et les professions : ouvrier, entrepreneur, commerçant et agriculteur influencent positivement l’utilisation des services de transfert d’argent mobile par le truchement d’Internet mobile.   This paper analyses the main determinants of the use of mobile money transfer services by Malian Internet users in a mobile situation. Data collected from 1739 individual mobile Internet users of the study by the solidarity and industrial economy research group (GRESI) were used. After having implemented the Logit model which is a binomial regression model, our results show that having an education level below secondary level, having an age between 15-35 years old and the high cost of connection have a negative impact on the probability of using mobile money via mobile Internet in Mali. While income, urban area of residence, computer skills and occupations: worker, entrepreneur, trader and farmer positively influence the use of mobile money transfer services through the mobile internet.

Impact of mobile money access on internal remittances, consumption expenditure and household welfare in Ghana

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Priscilla Twumasi Baffour ◽  
Wassiuw Abdul Rahaman ◽  
Ibrahim Mohammed
Keyword(s):  
Propensity Score ◽  
Propensity Score Matching ◽  
Treatment Effect ◽  
Average Treatment Effect ◽  
Consumption Expenditure ◽  
Content Type ◽  
Mobile Money ◽  
Money Transfer ◽  
Per Capita ◽  
Transfer Services

PurposeThe purpose of this study is to examine the impact of mobile money access on internal remittances received, per capita consumption expenditure and welfare of household in Ghana.Design/methodology/approachThe study used data from the latest round of the Ghana Living Standards Survey (GLSS 7) and employed the propensity score matching technique to estimate average treatment effect between users and non-users of mobile money transfer services.FindingsThe study finds that using mobile money is welfare enhancing, particularly for poor households and the channel by which it impacts on welfare is through higher internal remittances received and per capita expenditure. The results from the average treatment effect indicate that mobile money users receive significantly higher remittances and consequently spend averagely higher on consumption than non-users.Research limitations/implicationsAlthough the data employed in this study is limited to one country, the findings support the financial inclusion role and developmental impact of mobile money transfer services. Hence, mobile money transfer services should be promoted and facilitated by the telecommunication and financial sector regulators.Originality/valueIn addition to making original contribution to the literature on the welfare impact of mobile money, the study's use of the propensity score matching is unique.

scholarly journals Detection of Anomalous Activity in Mobile Money Transfer Services Using RadViz-Visualization

2016 ◽  
Vol 5 (48) ◽  
pp. 32
Author(s):  
Evgenia Sergeevna Novikova ◽  
Igor Vitalievich Kotenko
Keyword(s):  
Mobile Money ◽  
Money Transfer ◽  
Transfer Services

Migration, Money Transfers, and Mobile Money: Evidence from Niger

2020 ◽  
Vol 110 ◽  
pp. 589-593 ◽  
Author(s):  
Jenny C. Aker ◽  
Silvia Prina ◽  
C. Jamilah Welch
Keyword(s):  
Regional Variation ◽  
Supply And Demand ◽  
West African ◽  
The West ◽  
Mobile Money ◽  
Money Transfer ◽  
Money Transfers ◽  
Transfer Services ◽  
The Cost ◽  
Crucial Part

Mobile money can reduce the cost of sending remittances as compared with traditional money transfer systems. Despite remittances being a crucial part of the West African economy, mobile money is failing to take off. We use supply and demand data for money transfer services to better understand low mobile money adoption in Niger. Using a modified Becker-DeGroot-Marschak mechanism to elicit willingness to pay, we find that households are willing to pay the cost of sending a transfer via mobile money, with substantial regional variation. This regional variation is correlated with agent density, which suggests that agent infrastructure might be a barrier.

Visualization-Driven Approach to Fraud Detection in the Mobile Money Transfer Services

2019 ◽  
pp. 205-236
Author(s):  
Evgenia Novikova ◽  
Igor Kotenko
Keyword(s):  
Financial Institutions ◽  
Efficiency Evaluation ◽  
Financial Systems ◽  
Mobile Money ◽  
Detection Techniques ◽  
Money Transfer ◽  
Fraudulent Activity ◽  
Transfer Services ◽  
Changes Over Time ◽  
Over Time

Mobile money transfer services (MMTS) are widely spread in the countries lacking conventional financial institutions. Like traditional financial systems they can be used to implement financial frauds. The chapter presents a novel visualization-driven approach to detection of the fraudulent activity in the MMTS. It consists in usage of a set of interactive visualization models supported by outlier detection techniques allowing to construct comprehensive view on the MMTS subscriber behavior according to his/her transaction activity. The key element of the approach is the RadViz visualization that helps to identify groups with similar behavior and outliers. The scatter plot visualization of the time intervals with transaction activity supported by the heat map visualization of the historical activity of the MMTS subscriber is used to conduct analysis of how the MMTS users' transaction activity changes over time and detect sudden changes in it. The results of the efficiency evaluation of the developed visualization-driven approach are discussed.

Use of the Dempster–Shafer theory to detect account takeovers in mobile money transfer services

2015 ◽  
Vol 6 (6) ◽  
pp. 753-762 ◽  
Author(s):  
Luigi Coppolino ◽  
Salvatore D’Antonio ◽  
Valerio Formicola ◽  
Carmine Massei ◽  
Luigi Romano
Keyword(s):  
Mobile Money ◽  
Dempster Shafer Theory ◽  
Money Transfer ◽  
Shafer Theory ◽  
Transfer Services

scholarly journals EXAMINING DETERMINANTS OF BEHAVIORAL INTENTION IN ADOPTION OF MOBILE MONEY TRANSFER SERVICES IN UGANDA

2017 ◽  
Vol 03 (01) ◽  
pp. 433-439 ◽  
Author(s):  
Lukwago Ismail ◽  
◽  
Musa B. Moya ◽  
Keefa Bwiino ◽  
Kato Ismael
Keyword(s):  
Behavioral Intention ◽  
Mobile Money ◽  
Money Transfer ◽  
Transfer Services
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