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| 1 |
ID:
114929
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2012.
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| Summary/Abstract |
This paper provides a framework-based approach for assessing the potential for mobile finance (m-finance) services to achieve greater financial inclusion in sub-Saharan Africa. The conceptual approach synthesises market and user perspectives, and constructs an evidence-based exploratory framework based on analysis of a single country, Uganda. Case evidence is used to inform four lifecycle stages for m-finance, moving from design to access, usage, and outcomes associated with differentiated m-finance applications. Based on analysis of published sources, findings from Uganda suggest that early adoption of m-finance has favoured those already financially included and market-driven solutions for the financially excluded are limited. Simple market modelling is found to be an insufficient basis on which to assess potential amongst the unbanked majority. The paper argues that the perception, behaviour and capability of users, and forms of user appropriation, should be a paramount concern, and potential for m-finance should be considered within a deeper understanding of a specified financial services context and within a defined market, regulatory and policy environment.
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| 2 |
ID:
090713
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2009.
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| Summary/Abstract |
Research concerning mobile phones and financial services in developing countries has undergone rapid growth in recent years. This paper seeks to improve understanding of the current state of knowledge by reviewing the content of 43 research articles. A framework is developed that differentiates research activity according to a lifecycle model that incorporates financial needs, design, adoption and impact. The review finds that research to date has resulted in a high level of practitioner involvement, providing valuable links from the mobile phone industry to the research community but, as a consequence, research has become too narrowly defined. Thus, issues of assessing financial need and the measurement of impact have been comparatively neglected, while application design and adoption studies have received greater attention. This paper suggests a future direction for research and practice within the mainstream of micro-financial services and finance for the poor, correcting this imbalance, and contributing towards the mobiles-in-development-research agenda.
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