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Tag Archives: payments

Governments are the principal barrier to mobile money

Hard truth about why the successful mobile payments model pioneered in Kenya has failed to spread. However Kenya’s success has yet to be replicated much elsewhere. More than half of all the world’s mobile-money transactions are handled by Safaricom. Mobile money is popular in one or two chaotic countries, such as Sudan and Somalia, but […]

Imagining the Internet: No wallets by 2020

According to this overview, m-money is the future. The survey, released earlier this month by the Pew Research Center’s Internet and American Life Project along with Elon University’s Imagining the Internet Center, asked just over 1,000 technologists and social scientists to opine on the future of the wallet in 2020. Nearly two-thirds agreed that “cash […]

Good bye Amazon, the Indian workaround is around the corner

In the recent special issue of Information Technology and International Development, Ayesha Zainudeen et al. identified the non-ICT barriers to the spread of e commerce in developing countries, including payment mechanisms when credit cards did not exist and the bad state of the postal services. The NYT has a fascinating story about how Indian entrepreneurs […]

India: Mobiles to eliminate black money

LIRNEasia’s IAB member and close collaborator Professor Ashok Jhunjhunwala has written a thought-provoking op-ed in the Times of India: Black money thrives in the cash economy. If we introduce traceability in financial transactions, it will be difficult to hide. We can do this using some simple available technologies. It is possible to carry out all […]

Good counsel on regulation of m-money

A significant contribution to the m-money debate has been made by Chanuka Wattegama, until last month LIRNEasia’s Senior Research Manager and the person responsible for managing the Mobile 2.0 research module. The tightly argued piece contains many references to LIRNEasia work and is a perfect example of the success of LIRNEasia’s catalytic role. Worth reading […]

Ingredients of M-PESA success

Much has been written about Kenya’s m-money system. Here the Economist highlights a Gates Foundation paper that highlights an aspect that has not been much written about, the need to balance e money and real money in the hands of the retailers. There are many elements to a successful mobile-money scheme: the right technology, simple […]

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