The uptake of mobile financial services in the Middle East and North Africa region

Sanz, Francesc Prior; Lima, Pedro de

doi:10.3362/1755-1986.2013.028

Cited by 8 publications

(7 citation statements)

References 3 publications

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“…Therefore, the agent network is regarded as a type of “infrastructure” for MFS. Agent networks can supplement accessibility to financial services and ease the problem of limited access observed in most developing countries (Sanz & De Lima, ). In order to overcome geographical barriers, some MFS suppliers have built broad agent networks composed of different types of agents, such as small shops, bank branches, and bill‐payment counters.…”

Section: Resultsmentioning

confidence: 99%

“…Moreover, agents can attract new clients with face‐to‐face advertising campaigns to promote MFS. For that reason, it is important for suppliers to hire trustworthy agents and maintain a good relationship with them (Maurer et al, ; Sanz & De Lima, ).…”

Section: Resultsmentioning

confidence: 99%

“…Research on MFS highlighted that it is important for firms and banks to ensure inter‐operability beyond the complex business circumstances of the mobile financial industry (Maurer, ; Sanz & De Lima, ). Inter‐operability of the service enables cross‐platform transactions between customers, even though they have accounts with different service providers, and technical platforms such as mobile network operators, banks, networks, and agents (Cousins & Varshney, ).…”

Section: Resultsmentioning

confidence: 99%

“…Maurer et al (2013) argued that one of the main reasons behind the failures in MFS adoption is the heavily regulated financial industry. Evans and Pirchio () and Sanz and De Lima () also concluded that there are too many restrictions on MFS, such as agent restrictions and compulsory regulations regarding accurate customer identification, which leads to a rigid business environment. Under those conditions, companies that were initially willing to provide MFS are prohibited from providing MFS by a variety of strict financial regulations, and they may eventually lose the motivation to launch or continue the service.…”

Section: Resultsmentioning

confidence: 99%

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Mobile financial services, financial inclusion, and development: A systematic review of academic literature

Kim

Zoo

Lee

et al. 2018

E J Info Sys Dev Countries

123

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With the flagship success of m-Pesa, financial services via mobile devices have become an important tool to facilitate the financial inclusion of the previously unbanked population in developing countries. Attempts to provide a landscape of academic research findings at the intersection of mobile financial services, financial inclusion, and development have been rather scant. To determine the key issues and gaps in the current academic research, this study conducts a systematic review of 54 academic research papers vis-à-vis the nexus of mobile financial services, financial inclusion, and development. The results show that the extant literature addresses three major clusters of topics: delivery, environmental factors, and the impact of mobile financial services. Still in the nascent stage of research, the topics covered in the literature indicate a bias towards institutional and individual preconditions for the implementation of mobile financial services, rather than actual supply and demand by users, and its impact on society. The choice of research methods also shows limited variety and depth. This study contributes towards understanding the existing research on mobile financial services for financial inclusion in developing countries and finding research gaps for future study.

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Section: Resultsmentioning

confidence: 99%

Section: Resultsmentioning

confidence: 99%

Section: Resultsmentioning

confidence: 99%

Section: Resultsmentioning

confidence: 99%

See 2 more Smart Citations

Mobile financial services, financial inclusion, and development: A systematic review of academic literature

Kim

Zoo

Lee

et al. 2018

E J Info Sys Dev Countries

123

View full text Add to dashboard Cite

show abstract

“…A large body of literature has mainly focused on identifying the issues related to perception, intention to use, socio‐cultural and demographic factors (Kim et al, 2018). Few studies have investigated the issues of uptake and continuance of mobile financial services (Sanz & De Lima, 2013; Wamuyu, 2014).…”

Section: Introductionmentioning

confidence: 99%

Service innovations in mobile banking for creating value for the poor in developing countries

Gaur

Potnis

2021

E J Info Sys Dev Countries

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Mobile banking is a service innovation in the banking industry. Extant research has demonstrated that the goal of any service innovation is to create value for stakeholders including consumers. Despite the consensus that information and communication technologies (ICTs) can be leveraged to deliver financial services to the poor, few studies have examined the process through which mobile banking service providers create value for consumers. Building on concepts from service‐dominant logic and service science, this paper posits that the delivery of such mobile banking services requires a repertoire of information and communication technology (ICT) as well as non‐ICT resources. Specifically, Cashpor a mobile banking service provider, that provides mobile banking financial services to rural females is examined. The research traces the implementation of key service innovations by configurations of three resources—people, technology, and information, and three mechanisms—knowledge integration, technology integration, and governance—through which value‐creating benefits of social, financial, and psychological benefits are achieved.

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Global Initiatives Toward Financial Inclusion

Maity¹,

Sahu²

2022

Financial Inclusion and the Role of Banking System

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The uptake of mobile financial services in the Middle East and North Africa region

Cited by 8 publications

References 3 publications

Mobile financial services, financial inclusion, and development: A systematic review of academic literature

Mobile financial services, financial inclusion, and development: A systematic review of academic literature

Service innovations in mobile banking for creating value for the poor in developing countries

Global Initiatives Toward Financial Inclusion

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