Regulating mobile money to create an enabling business environment
Date
2013-06-07
Authors
Kausch, Bronwen Ashley
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Abstract
The technology to deliver mobile money services has been in place for over a decade,
yet very few mobile money operations have reached scale. The purpose of the
following research is to explore the possible reasons for this by analysing factors
which impact the rollout and uptake of services. This is achieved through a case study
of mobile money service offerings in the developing world in general and South
Africa in particular. Findings of the research highlight the complexities of the
challenge of reaching scale, particularly those relating to regulations, finding the
appropriate business models and other socio-political factors. A further finding points
to a possible lack of appropriate skills in the mobile money industry as a reason for
services not reaching scale.
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Keywords
Mobile commerce, South Africa