کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
6950362 1451544 2016 11 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Poor people׳s money: The politics of mobile money in Mexico and Kenya
موضوعات مرتبط
مهندسی و علوم پایه مهندسی کامپیوتر سیستم های اطلاعاتی
پیش نمایش صفحه اول مقاله
Poor people׳s money: The politics of mobile money in Mexico and Kenya
چکیده انگلیسی
The diffusion of mobile money (also mobile payments) has so far been uneven by country. While in Kenya upwards of 50 percent of the population uses mobile payments platforms, in Mexico the proportion is barely above 2 percent. Drawing on interviews and secondary sources, this paper finds that the actors and the politics surrounding diffusion are key to success. Specifically, regulatory capture sheds light on the extent to which a highly regulated financial sector may seek to protect itself from competition from the telecommunication sector via mobile payments regulation they advocate for and even help formulate. In Mexico, the bank-led regulatory model of mobile payments has limited the diffusion of the service to the unbanked population because of regulatory capture by the banking industry. In Kenya, by contrast, the Mobile Network Operator (MNO)-led model has resulted in much higher rates of diffusion and reflects the extent to which telecommunications firms have played a decisive role in designing the regulatory regime and the limiting the impact of financial industry capture in that country. The implications for policymaking and regulation are discussed.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: Telecommunications Policy - Volume 40, Issues 10–11, October 2016, Pages 945-955
نویسندگان
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