Working Paper 22/2017 COMPETITION DYNAMICS IN MOBILE MONEY MARKETS IN TANZANIA Centre for Competition, Regulation and Economic Development, University of Johannesburg Jason Blechman, Faith Odhiambo, and Simon Roberts1 Macmillan Keck attorneys, Centre for Competition Law and Economic Policy, University of Nairobi, and Centre for Competition, Regulation and Economic Development, University of Johannesburg
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[email protected] JEL Classifications L11, L51 Keywords: mobile money, regulation, telecommunications, Tanzania 1 This paper was part of a cross country comparative study of mobile money markets in Tanzania, Uganda and Zimbabwe funded by the Bill and Melinda Gates Foundation (BMGF) and undertaken in the first half of 2016. The support of BMGF is gratefully acknowledged although the authors are alone responsible for the content of the paper. The authors can be contacted at
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[email protected] . The authors wish to thank Martin Warioba, a consultant working with the Bill and Melinda Gates Foundation and the International Finance Corporation, and Kennedy Komba, Senior Advisor, National Payment Systems, Bank of Tanzania for their generous assistance, and Elisa Sitbon of the Bill and Melinda Gates Foundation for comments made on an earlier version. 1 Table of contents Executive summary ............................................................................................................... 4 Introduction ......................................................................................................................