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Mobile money solutions for a smartphone-dominated world

Author

Listed:
  • Lien, Jerry
  • Hughes, Laura
  • Kina, Jorge
  • Villasenor, John

Abstract

Mobile money is playing a critical role in promoting financial inclusion in developing countries. Simultaneously, continued price declines are placing entry-level smartphones within reach of a rapidly increasing fraction of the global population. In addition, many of the unbanked live in urban or peri-urban regions where wireless network coverage is good and/or rapidly improving with continued wireless network infrastructure build-outs. This paper addresses the intersection of these trends, which provides both opportunities and challenges. The opportunity lies in using the interface and options available in a smartphone to provide mobile money solutions that are more flexible, more accessible to persons with a wide range of literacy levels, and more secure than solutions based on traditional ‘feature’ phones. The challenge, which the work described in this paper aims to address, lies in actually designing the interfaces and architectures to provide these solutions.

Suggested Citation

  • Lien, Jerry & Hughes, Laura & Kina, Jorge & Villasenor, John, 2015. "Mobile money solutions for a smartphone-dominated world," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 9(3), pages 341-350, September.
    • Handle: RePEc:aza:jpss00:y:2015:v:9:i:3:p:341-350
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    More about this item

    Keywords

    mobile finance; mobile money; unbanked; smartphones; mobile apps;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

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