- ItemAJIC Issue 17, 2016 - Full Issue - print-on-demand version(LINK Centre, University of the Witwatersrand (Wits), Johannesburg, 2016-12-15)
- ItemThematic Overview: Economic Regulation and the Development of Telecoms, Mobile Money and Banking(LINK Centre, University of the Witwatersrand (Wits), Johannesburg, 2016-12-15) Roberts, SimonThis thematic overview for AJIC Issue 17 discusses the lessons emerging from studies of electronic communications access, innovation and regulation in a selection of African countries including Kenya, Nigeria, South Africa, Uganda, Tanzania and Zimbabwe, with particular emphasis on digital financial services.
- ItemMobile Payments Markets in Kenya, Tanzania and Zimbabwe: A Comparative Study of Competitive Dynamics and Outcomes(LINK Centre, University of the Witwatersrand (Wits), Johannesburg, 2016-12-15) Robb, Genna; Vilakazi, ThandoThis article aims to contribute to a better understanding of the competitive dynamics in mobile payments markets and the implications for consumers. We do this by conducting a comparative review of market structure, competition dynamics and pricing in mobile payments markets in three African countries. The results show that, where there is a dominant incumbent, tariffs for mobile payments tend to be higher and reflect a wider gap between those for registered and unregistered customers. This is consistent with the predictions of economic theory in network industries and the incentives of incumbent operators to capture or tip the market in their favour, which also contributes to reducing switching by existing customers in the market for mobile services.
- ItemCompetition in Mobile Financial Services: Lessons from Kenya and Tanzania(LINK Centre, University of the Witwatersrand (Wits), Johannesburg, 2016-12-15) Mazer, Rafe; Rowan, PhilipMobile financial services (MFS) are the main drivers of financial inclusion in many developing countries, where they provide low-income consumers with access to transfers, payments, and increasingly more complex products including credit, savings, and insurance. MFS channels can provide the advantages of convenient, secure, and cost-efficient product offerings to consumers. In several markets, MFS have helped to significantly increase the portion of the population with access to formal financial services. To promote both quality and diversity in MFS products, and in turn financial inclusion, it is important to ensure a competitive ecosystem that facilitates entry into the market, the development of innovative MFS products, and high-quality, value-for-money services. This article aims to provide insights into the role that effective competition and competition policy play in developing MFS, and in promoting financial inclusion, using Kenya and Tanzania as case countries.