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Mobile Money for Financial Inclusion: Policy and Regulatory Perspective in Zimbabwe
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Alex Bara --- Senior Economist at the Agriculture Bank of Zimbabwe, ZimbabweThe introduction of mobile telephony and innovative technology in financial services is forcing regulators to re-evaluate their rules for financial service provision. Zimbabwe also adopted mobile financial service, and has realised rapid growth in mobile financial services. Inevitably, it has... -
The Mobile Phone as the Tool to Redefine Savings for the Poor: Evidence from Kenya
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Tonny K. Omwansa --- School of Computing and informatics, Kenya Timothy M. Waema --- School of Computing and Informatics, Kenya Charlene Chen --- KickStart, Kenya Nicholas P. Sullivan --- The Fletcher School's Center for Emerging Market Enterprises, USAResearch conducted on the poor and their finances indicate that there is a need to develop financial instruments that specifically fit their needs. However, banks have not been able to provide such services, because the returns do not justify the... -
Integrated Marketing Communication and Technology Adoption: A Case of Safaricom's M-PESA Mobile Money Transfer Services in Kenya
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Martina Mulwa --- Africa Mobile Money Research, Kenya Ndeti Ndati --- Multimedia University of Kenya, KenyaIntegrated Marketing Communication (IMC) is an aggressive marketing plan that captures and uses an extensive amount of customer information in setting and tracking marketing strategy. This study sought to investigate the IMC strategies used with the M-PESA money transfer services... -
Mobile-based Verification in Anti-counterfeit Commodity Supply Chain Management Systems
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Simon Mwaniki Gachago --- Applegene Pharmacy Limited,This article describes a proposed system that integrates a mobile-based solution to fight counterfeit products and uses the supply chain system to illustrate the solution. The system, referred to as the anti-counterfeit commodity supply chain management system, provides a network... -
Spirit and society: in defence of a critical anthropology of religious life
Item type: Journal Article • Journal: Anthropology Southern Africa • Authors: Hylton White --- University of the Witwatersrand, South AfricaAccording to recent criticisms, the critical anthropology of religious life in Africa, associated especially with the Comaroffs, has failed to take relations with invisible beings at face value. In this view, we should explore the social work that such relations... -
Spirit and society: in defence of a critical anthropology of religious life
Item type: Journal Article • Journal: Anthropology Southern Africa • Authors: Hylton White --- University of the Witwatersrand, South AfricaAccording to recent criticisms, the critical anthropology of religious life in Africa, associated especially with the Comaroffs, has failed to take relations with invisible beings at face value. In this view, we should explore the social work that such relations... -
Remittances, mobile phones and informality: Insights from Cameroon
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Nathanael Ojong --- Department of Business Administration, CanadaResearch on mobile phones abound. However, the use of the mobile phone as an informal value transfer mechanism has received little attention. This paper attempts to fill this lacuna in academic literature by focusing on the ‘why’ and ‘how’ of... -
Kenya’s Safaricom, Ceo Bob Collymore and M-Pesa: Extended Notes from Keynote Address
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Moses N. Kiggundu --- Sprott School of Business, Carleton University, Canada Frederick Onyango Ogola --- Strathmore University Business School, KenyaThis article is an extension of the keynote address given by Safaricom’s chief executive officer (CEO) at the 2016 AFAM Conference. It provides details about Safaricom, Kenya’s leading mobile telecommunications corporation, Safaricom’s CEO, Mr. Collymore, and the iconic M-PESA mobile... -
Investigating the informal mode of financing utilized for construction financing in Somalia: Some evidence
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Mohamed Ibrahim Nor --- Faculty of Management Sciences, Somalia Tajul Ariffin Masron --- School of Management, MalaysiaIntermediation is the main objective of any financial industry. While financing services are provided by formal financial institutions in the advanced world, financing services are provided differently in emerging economies. Hence, various alternative modes of financing are used in these... -
Mobile money as a frugal innovation for the bottom of the pyramid – Cases of selected African countries
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Olayinka David-West --- Sustainable and Inclusive Digital Financial Services (SIDFS) Initiative, Lagos Business School, Pan-Atlantic University, Nigeria Nkemdilim Iheanachor --- Strategic Management, Nigeria Immanuel Ovemeso Umukoro --- Sustainable and Inclusive Digital Financial Services (SIDFS) Initiative, Lagos Business School, Pan-Atlantic University, NigeriaThis paper explores the concept of mobile money as a frugal innovation and a business model. While the frugal innovation theory is evolving, frugality addresses three critical issues about social problems, resources constraints and institutional voids. This paper argues that... -
Continuous intention to use mobile money (MM) services: Driving factors among small and medium-sized tourism and hospitality enterprises (SMTHEs)
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Frederick Dayour --- , Ghana Charles A. Adongo --- , Ghana Elizabeth Agyeiwaah --- , People’s Republic of ChinaMobile money (known popularly as “MOMO” in Ghana) usage has become common in Africa. However, the driving factors explaining the continuous use of such services among small and medium-sized tourism and hospitality enterprises (SMTHEs) is still unknown. This study examines... -
A Cowrie’s Life: The São Bento and Transoceanic Trade in the Sixteenth Century
Item type: Journal Article • Journal: Eastern African Literary and Cultural Studies • Authors: Justine Wintjes --- , South AfricaA collection of money cowries (Monetaria moneta) was discovered in the early 1980s inside a bronze cannon salvaged from the wreck site of the São Bento (1554), at the mouth of the Mzikaba River, Eastern Cape, South Africa. Using an... -
The role of mobile money in improving the financial inclusion of Nairobi’s urban poor
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Kyung-ha Kim --- , UKThe aim of this research is to examine the extent to which mobile money has improved the financial inclusion of Nairobi’s urban poor. Nairobi is Kenya’s largest and most developed city, but it is also the city where the country’s... -
Mobile money adoption in rural Rwanda: A domestication perspective
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Marthe Uwamariya --- , Germany Claudia Loebbecke --- , Germany Stefan Cremer --- , GermanyWith this explorative research, we investigate if and how farmers in Rwanda adopt mobile money, or m-money, and integrate it into their everyday life to foster their economic development and social well-being. To this end, we adapt a domestication perspective... -
‘Time is Money’: Dar es Salaam’s Daladala Inscriptions and the Ethics of Everyday
Item type: Journal Article • Journal: Eastern African Literary and Cultural Studies • Authors: John Wakota --- , TanzaniaIn Dar es Salaam, privately-owned minibuses, known as daladalas, are the most popular means of commuting. Their routes crisscross the city and the minibuses themselves are adorned with messages and inscriptions on their rear bumpers. These inscriptions comment on aspects... -
The determinants of the adoption of mobile money by small enterprises (SEs) in Douala, Cameroon
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Grégory Mvogo --- University of Douala, Cameroon Martin Ndzana --- University of Douala, Cameroon Honoré Bidiasse --- University of Douala, CameroonThe purpose of this article is to analyze the factors that determine the decision to adopt mobile money by small Cameroonian enterprises, focusing on the profile of the manager and the sector of activity. From a random sample of 276... -
Mobile money and intra-household employment diversification: Empirical evidence from Ghana
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Richmond Atta-Ankomah --- University of Ghana, GhanaThis study investigates the effect of mobile money on intra-household employment diversification in Ghana using data from the seventh round of the Ghana Living Standards Surveys. The study relies on several econometric models including instrumental variables and shows that mobile... -
Challenging the bottom-of-the-pyramid narrative in Africa: A cross-cultural management perspective on the impact of mobile money
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Terence Jackson --- Middlesex University, UK Ellis L.C. Osabutey --- Northumbria University, UKThe “bottom-of-the-pyramid” (BoP) narrative underpins the introduction of fintech initiatives such as mobile money into Africa’s largely informal economies by multinational enterprises (MNEs) often endorsed by the international development community. This is claimed to enhance financial inclusion and enterprise development... -
Mobile money usage and performance of women-owned enterprises: Evidence from Kenya
Item type: Journal Article • Journal: Investment Analysts Journal • Authors: Tesfaye T. Lemma --- Towson University, USA Mthokozisi Mlilo --- University of the Witwatersrand, South AfricaThe rapid expansion of digital financial services has sparked discussions about their potential to help financially constrained businesses overcome performance challenges. We investigate whether female-owned businesses, which are often more financially constrained than male-owned businesses, could reduce their performance gap... -
Mobile financial services and performance of business in the informal economy
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Benjamin Bisimwa Cisagara --- University of Latvia, LatviaThe rapid growth of mobile financial services in emerging economies presents a vital opportunity to assess their impact on informal business performance, yet current empirical evidence remains mixed. Utilizing mixed methods, including quantitative analysis of the World Bank's 2023 Informal...