The Development of Mobile Money Systems
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The Development of Mobile Money Systems
NÚMERO 256 ERNESTO FLORES-ROUX Y JUDITH MARISCAL The Development of Mobile Money Systems ABRIL 2011 www.cide.edu Las colecciones de Documentos de Trabajo del CIDE representan un medio para difundir los avances de la labor de investigación, y para permitir que los autores reciban comentarios antes de su publicación definitiva. Se agradecerá que los comentarios se hagan llegar directamente al (los) autor(es). • D.R. ® 2011. Centro de Investigación y Docencia Económicas, carretera México-Toluca 3655 (km. 16.5), Lomas de Santa Fe, 01210, México, D.F. Fax: 5727•9800 ext. 6314 Correo electrónico: [email protected] www.cide.edu Producción a cargo del (los) autor(es), por lo que tanto el contenido así como el estilo y la redacción son su responsabilidad. Abstract In this paper we argue that mobile banking offers the opportunity to diminish the financial exclusion suffered by the poor by offering access to credit and to savings which are key tools capable of transforming the livelihoods of the poor as well as the efficiency of the market. However, mobile phones need a complete ecosystem that supports its application to a functioning mobile banking service. The aim of this paper is to contribute to existing knowledge of mobile money across the value chain by providing insight into the mechanisms of m-money, the value propositions within the business of m-banking and what is preventing its swifter adoption and usage in the developing world. We develop a taxonomy of the key drivers of the business model which provides insights for assessing the replicability of these models. -
The Future of Telecommunication: the Determinants of Cellular Network Penetration and Their Impact in Developing Countries
The Future of Telecommunication: The Determinants of Cellular Network Penetration and their Impact in Developing Countries by Tsz Wai Au An honors thesis submitted in partial fulfillment of the requirements for the degree of Bachelor of Science Undergraduate College Leonard N. Stern School of Business New York University May 2019 Professor Marti G. Subrahmanyam Professor Ingo Walter Faculty Adviser Thesis Adviser 1 Abstract In this paper, we investigate how industry-related and macroeconomic variables affect the diffusion of telecommunications services. We use evidence from 16 developing countries over a 17-year period, from 2000 to 2016, to examine the influences these variables may have had on cellular network penetration and the variations between countries. We also compare the effects of the variables on cellular telephony and cellular data markets to recognize any potential variation in determinants between the two services. We find evidence of significant correlations with five variables for cellular telephony market penetration, including: Total Revenue, Revenue per user, GDP per Capita, GSM vs CDMA, and Capital expenditure. Meanwhile, we find weak correlations with an additional three variables for cellular data market penetration, including: the percentage of urban population, the initial level of data connectivity infrastructure, and the presence of international corporations with colonial links. 2 Acknowledgements First of all, I would like to express my gratitude to my thesis adviser, Professor Ingo Walter. This thesis paper would not have been possible without his unceasing support and guidance along the research process. His expertise and passion for infrastructure investments have made the study so much more interesting. I would also like to show my appreciation to my parents for letting me study overseas. -
Africa Asia & Pacific Eastern Europe Access Communications (ACL) 3G
Africa Asia & Pacific Eastern Europe Access Communications (ACL) 3G Investments (Australia) A-Mobile AccessKenya AAPT Aero2 (incl. Mobyland) Albanian Broadband Company AFcom Advanced Info Service (AIS) (ABCOM) Albanian Mobile Communications Africa Cellulaire (Africell) Aircel (AMC) Africaonline (Tanzania) Aktel (Fonex) Albtelecom Africell (Gambia) Altel Alfa Cable Africonnect Altimax Broadcasting Alternative Digital Network (ADN) Airtel Seychelles Applifone (Star-Cell) Amis (formerly Medinet) Asia Pacific Broadband Wireless Al Madar Telecomm Company (APBW) Aquafon GSM Armenian Datacom Company Algerie Telecom Asia Pacific Telecom (APT) (ADC) Algerie Telecom Mobile (Mobilis) AsiaBell (AERO) ArmenTel (Beeline) Association for Telecommunication Alink Telecom Congo ASTEL Services (Americom) Allterra Gridline Communications Ghana Limited Axiata (formerly TM International) Astelit (life:)) Altech Stream Rwanda Axiata Bangladesh (Robi) Aster Angola Telecom B-Mobile Atlant Telecom Anupam Global Soft Babilon-M Az.Starnet Arobase Telecom Babilon-T Azercell Atlantic Wireless Liberia (Libercell) Bakrie Telecom Azerfon (Nar Mobile) Bangladesh Telecommunications Atlas Communications Company Ltd (BTCL) AzEuroTel Bell Benin Communication (BBCOM) Banglalink GSM AzTelekom Bayantel Telecommunications Benin Telecom (Bayan) AzTrank Benson Informatics Limited Beeline Tajikistan (Tacom) B.net Croatia Botswana Telecommunications Corporation (BTC) Bell Telecommunications (BellTel) Bakcell Broadmax Bharat Sanchar Nigam Ltd (BSNL) BakTelekom BTC Mobile (beMobile) -
Philippines Telecom Brief by Ken Zita
Philippines Telecom Brief By Ken Zita hilippines is one of the great telecom success P stories in recent years, fueled by tremendous Contents Political and Economic Brief 3 growth in mobile and text messaging services. The Economy 4 number of mobile subscribers has leapt five-fold since Telecom Policy Environment 6 2000 to 32.5 million, topping 41 percent penetration. Policy and Regulation 8 Interconnection 10 This remarkable growth is due both to innovative pre- VoIP 11 paid pricing packages, and to the unparalleled adoption Spectrum Management 11 of short message service (SMS) text messaging as an ICT 12 Telecom Market Environment 13 alternative to traditional voice calls. Philippines Mobile 16 mobile services providers Smart, the PLDT subsidiary, SMS 18 and Globe Telecom were among the first in the world Satellite 19 to utilize mobile pre-paid calling plans that tap the “middle of the market pyramid.” The result is wide household penetration of basic access services throughout even low income areas. As important, SMS has caught on with a fervor that is unrivaled anywhere in the world. Domestic text traffic is thought to outweigh that of voice by a factor of 10 to 1. Non-voice services account for approximately 40 percent of mobile carrier revenues. The rapid rise in mobile communications has come at the expense of the fixed line network. Fixed line penetration is about 4 lines per hundred and the installed base is steadily eroding. Broadband adoption is at the very earliest stage: only 76,000 DSL lines were in service at the end of 2004 serving a national population of over 82 million. -
'Sms' Capital of the World": a Political Economy of a Wireless Revolution in the Philippines
"'SMS' CAPITAL OF THE WORLD": A POLITICAL ECONOMY OF A WIRELESS REVOLUTION IN THE PHILIPPINES Maria Cecilia T. Paule B.A. Social Sciences, University of the Philippines, 1999 THESIS SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF ARTS In the School of Communication O Maria Cecilia Paule 2004 SIMON FRASER UNIVERSITY July 2004 All rights reserved. This work may not be reproduced in whole or in part, by photocopy or other means, without permission of the author. APPROVAL NAME: Maria Cecilia T. Paule DEGREE: TITLE OF " 'SMS' Capital of the World": A Political Economy of a THESIS: Wireless Revolution in the Philippines EXAMINING COMMITTEE: CHAIR: Prof. Gary McCarron Prof. Yuezhi Zhao Senior Supervisor, School of Communication, SFU Prof. Pat Howard Supervisor, School of Communication, SFU Dr. Jack Linchuan Qiu Examiner, Research Fellow, Annenberg School for Communication University of Southern California Date: / ?a h0,yJ Partial Copyright Licence The author, whose copyright is declared on the title page of this work, has granted to Simon Fraser University the right to lend this thesis, project or extended essay to users of the Simon Fraser University Library, and to make partial or single copies only for such users or in response to a request from the library of any other university, or other educational institution, on its own behalf or for one of its users. The author has further agreed that permission for multiple copying of this work for scholarly purposes may be granted by either the author or the Dean of Graduate Studies. It is understood that copying or publication of this work for financial gain shall not be allowed without the author's written permission. -
Fostering Competition in the Philippines: the Challenge of Restrictive Regulations
Fostering Competition Public Disclosure Authorized in the Philippines: The Challenge of Restrictive Regulations NOVEMBER 2018 Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized © 2018 International Bank for Reconstruction and Development / The World Bank 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This work is a product of the staff of The World Bank Group with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the view of the Australian Government, the Canadian Government, the World Bank Group, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Rights and Permissions The material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522- 2625; e-mail: [email protected]. Fostering Competition in the Philippines: The Challenge of Restrictive Regulations A project of the World Bank Group, with the support of the Australian Government through the Australia- World Bank Philippines Development Trust Fund, and the Canadian Government.