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Le double rôle du paiement mobile dans les pays en développement

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  • Laetitia Chaix
  • Dominique Torre

Abstract

This paper analyzes the capacity of mobile-payment solutions to improve financial inclusion in developing countries. It elaborates from rural East African countries experiences where mobile payment services have developed rapidly. With a simple dynamic model which rationalizes traders? adoption process of distant mobile payment services, we analyze the role of telephonic operators in financial inclusion. We point out the interest of a diversified supply of m-payment services, including simplified solutions proposed by operators alone, in complement of more advanced services involving financial partners. We explain how such a diversified supply, including a ?frugal? innovative component, can be more efficient to improve financial inclusion than the only elaborated solutions provided cooperatively by operators and banks. Codes JEL : E42, O33

Suggested Citation

  • Laetitia Chaix & Dominique Torre, 2015. "Le double rôle du paiement mobile dans les pays en développement," Revue économique, Presses de Sciences-Po, vol. 66(4), pages 703-727.
    • Handle: RePEc:cai:recosp:reco_664_0703
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    Cited by:

    1. Komivi Afawubo & Messan Agbaglah & Mawuli K. Couchoro & Tchapo Gbandi, 2017. "Socioeconomic determinants of the mobile money adoption process: the case of Togo," Cahiers de recherche 17-03, Departement d'économique de l'École de gestion à l'Université de Sherbrooke.
    2. Kala Kamdjoug, Jean Robert & Wamba-Taguimdje, Serge-Lopez & Wamba, Samuel Fosso & Kake, Ingrid Bive'e, 2021. "Determining factors and impacts of the intention to adopt mobile banking app in Cameroon: Case of SARA by afriland First Bank," Journal of Retailing and Consumer Services, Elsevier, vol. 61(C).
    3. Éric Darmon & Laetitia Chaix & Dominique Torre, 2016. "M-payment use and remittances in developing countries: a theoretical analysis," Revue d'économie industrielle, De Boeck Université, vol. 0(4), pages 159-183.
    4. François Seck Fall & Luis Orozco & Al‐Mouksit Akim, 2020. "Adoption and use of mobile banking by low‐income individuals in Senegal," Review of Development Economics, Wiley Blackwell, vol. 24(2), pages 569-588, May.
    5. Torre Dominique & Eric Darmon & Laetitia Chaix, 2016. "M-payment use and remittances in developing countries: a theoretical analysis," Post-Print halshs-01576774, HAL.
    6. Honoré, Bidiasse, 2019. "Diffusion of mobile telephony: Analysis of determinants in Cameroon," Telecommunications Policy, Elsevier, vol. 43(3), pages 287-298.
    7. Komlan Gbongli & Yongan Xu & Komi Mawugbe Amedjonekou & Levente Kovács, 2020. "Evaluation and Classification of Mobile Financial Services Sustainability Using Structural Equation Modeling and Multiple Criteria Decision-Making Methods," Sustainability, MDPI, vol. 12(4), pages 1-34, February.

    More about this item

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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