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Learning from the mobile payment role model: lessons from Kenya for neighboring Rwanda

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  • Marthe Uwamariya
  • Claudia Loebbecke

Abstract

Nationwide adoption of mobile payment (m-payment) has been a key driver for the socio-economic development in emerging markets. The Rwandan m-payment adoption lags behind the one in neighboring Kenya and its own ambition. This explorative study examines the factors that could enhance m-payment adoption in Rwanda. We extend the Technological, Organizational, and Environmental (TOE) framework (Tornatzky, L., & Fleischer, M. (1990). The process of technology innovation. Lexington, MA: Lexington Books) and apply it first to Kenya’s success story of M-Pesa and then to Rwanda’s main m-payment service. Based on our analysis, we determine several anchor points where Rwanda – to improve its economic situation and national welfare – could learn from M-Pesa. Further, we offer country-specific recommendations to enhance Rwanda’s national welfare via m-payment adoption also among the formerly unbanked population.

Suggested Citation

  • Marthe Uwamariya & Claudia Loebbecke, 2020. "Learning from the mobile payment role model: lessons from Kenya for neighboring Rwanda," Information Technology for Development, Taylor & Francis Journals, vol. 26(1), pages 108-127, January.
    • Handle: RePEc:taf:titdxx:v:26:y:2020:i:1:p:108-127
    DOI: 10.1080/02681102.2018.1564725
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    Cited by:

    1. Fu, Hsin-Pin & Chang, Tsung-Sheng & Wang, Chia-Nan & Hsu, Hsien-Pin & Liu, Chien-Hung & Yeh, Chih-Yao, 2022. "Critical factors affecting the introduction of mobile payment tools by microretailers," Technological Forecasting and Social Change, Elsevier, vol. 175(C).

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