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Why Doesn't Every Kenyan Business Have a Mobile Money Account?

Ignacio Mas

University of Oxford; Tufts University

Amolo Ng'weno

affiliation not provided to SSRN

April 20, 2012

FSD Insights, Issue 4, April 2012

The contribution of mobile payments (and in particular M-PESA) in Kenya to strengthening family/social networks is well documented, and its potential to tackle financial inclusion is well understood. What has perhaps received less attention is how well mobile money is serving the business market. This study assesses how extensive is the use of M-PESA in business environments, both formal and informal. We found a relatively low level of adoption of M-PESA in business transactions, and examine a variety of reasons that explain that. The research was entirely qualitative, based on interviews with a diverse range of 70 or so businesses.

Number of Pages in PDF File: 12

Keywords: mobile money, mobile payments, electronic payments, financial access, financial inclusion, private sector development

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Date posted: April 25, 2012  

Suggested Citation

Mas, Ignacio and Ng'weno, Amolo, Why Doesn't Every Kenyan Business Have a Mobile Money Account? (April 20, 2012). FSD Insights, Issue 4, April 2012. Available at SSRN: http://ssrn.com/abstract=2044550

Contact Information

Ignacio Mas (Contact Author)
University of Oxford ( email )
Mansfield Road
Oxford, Oxfordshire OX1 4AU
United Kingdom
Tufts University ( email )
Medford, MA 02155
United States
Amolo Ng'weno
affiliation not provided to SSRN ( email )
Feedback to SSRN

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