Mobile banking and mobile money adoption for financial inclusion
Mobile banking and mobile money adoption for financial inclusion
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采用移动银行和移动货币促进普惠金融
DOI：
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发表时间：
2014
期刊：
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通讯作者：
Alice S. Etim
中科院分区：
文献类型：
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作者：
Alice S. Etim
随着发达经济体准备将许多智能移动的手机用户从基于现金的支付和其他形式的数字支付（如信用卡/借记卡系统）过渡到智能手机支付，撒哈拉以南非洲（SSA）的新兴经济体也在寻找使用第二代和第三代手机的方法（2G和3G）金融活动的移动的电话（Bold & Rotman，2012; Donovan，2012; Ehrbeck et al，2012; Holmes，2011; Hughes & Lonie，2007; Jack & Suri，2011; The Economist，2012）。沃达丰在管理肯尼亚和东非领先的移动的货币M-PESA移动的货币方面取得了成功。虽然M-PESA为肯尼亚数百万无银行账户的人带来了金融包容性，但加纳和尼日利亚等西非国家却落后了，采用率不到10%。本文通过对西非最大的国家尼日利亚的信息和通信技术（ICT）研究，深入了解了西非缺乏移动的货币采用情况。这项研究旨在调查使用移动的电话进行移动的银行业务和移动的货币服务的情况。作者调查了参与者是否认为移动的手机易于用于各种任务，包括移动的银行和移动的汇款，以及是否采用了移动的汇款服务。调查结果显示，虽然基本的移动的手机被广泛采用，主要用于与家人和朋友的沟通，但它们很少用于服务诸如移动的银行业务或移动的汇款等高阶任务。
As the developed economies are poised to transition many smart mobile phone users from the cash-based payment and other forms of digital payments such as the credit/debit card systems to smartphone payment, the emerging economies of Sub-Saharan Africa (SSA) are also finding ways to use their second and third generations (2G and 3G) mobile phones for financial activities (Bold & Rotman, 2012; Donovan, 2012, Ehrbeck et al, 2012; Holmes, 2011; Hughes & Lonie, 2007; Jack & Suri, 2011; The Economist, 2012). The success that Vodafone has achieved in managing the M-PESA Mobile Money, the leading mobile money in Kenya and East Africa is reported in this paper. While M-PESA has brought financial inclusion to millions of Unbanked in Kenya, West African countries such as Ghana and Nigeria lag behind with less than 10 percent adoption rate. This paper provides insight into the lack of mobile money adoption in West Africa through an information and communication technology (ICT) study in Nigeria, the largest country in West Africa. The study was geared towards investigating the use of mobile phones for mobile banking and mobile money services. The author investigated whether participants in the study perceived mobile phones as easy to use for various tasks including mobile banking and mobile money transfers and whether mobile money services were adopted. The findings were that while basic mobile phones were widely adopted and used mainly for communication with mostly family and friends, they were rarely used for servicing high order tasks like mobile banking or mobile money transfers.