Mobile Phone Practices & The Design of Mobile Money Services for Emerging Markets

Posted by AnneryanHeatwole on Nov 11, 2009
Mobile Phone Practices & The Design of Mobile Money Services for Emerging Markets data sheet 2878 Views
Jan Chipchase
Publication Date: 
Dec 2009
Publication Type: 
Report/White paper

There was a time when the adoption of mobile phones was expected to be limited to the wealthy and early mobile phone designs included a number of features that supported shared use on the assumption that few people would be able to afford one of their own. 4 billion plus cellular subscribers later and it’s the mobile phone owning residents of Accra or Cairo that are more likely to use multiple devices than the residents of London or Tokyo.

The first billion mobile phones were sold in about twenty years, the second billion took four years, and the third billion were sold in just two. That the mobile phone has had a positive qualitative and quantitative impact on many of the world’s poor is no longer an issue for debate, and the simple fact that many invest in a few months salary to purchasing one suggests that it continues to meet a broad spectrum of base user needs from directly creating revenue generating opportunities to indirectly supporting survival. As a personally carried, connected device the mobile phone is in a prime position to bring mobile money services to the world’s unbanked, and today there is much activity, debate and not a little hype on its potential (Ramussen, 2009).

This paper discusses the factors that will affect whether recently established mobile money services such as M-PESA can also achieve success in other markets, and whether new services and business models will fly or fail? What can we learn from previous research into mobile phone behaviours and practices?


Posted by AnneryanHeatwole on Sep 10, 2009
MapSwitch data sheet 2908 Views
Organization that developed the Tool: 
Main Contact: 
Abri Krige
Problem or Need: 

Enables Post Bank Uganda and SACCO members to access financial services through a network of ATMs, point-of-sale terminals and mobile phones to provide linkage banking to millions of people in Uganda who are unbanked (approx 80%).

Main Contact Email : 
Brief Description: 

The Java application enables Post Bank Uganda and SACCO clients to access financial information and trigger financial transactions from mobiles, ATMs, and GPRS-enabled point-of-sale terminals.

Tool Category: 
App resides and runs on a server
Key Features : 
  • Easy-to-use menus
  • GPRS communication
  • Real time access to information, services, and products


Main Services: 
Mobile Payments
Tool Maturity: 
Under development/pre-launch
Java ME
Windows Mobile
Current Version: 
Program/Code Language: 
Organizations Using the Tool: 
  • Post Bank Uganda
  • MAP International


Number of Current End Users: 
None/not deployed yet
Number of current beneficiaries: 
Under 100
Languages supported: 
English, language-customizable menus
Handsets/devices supported: 
Minimum requirements: - Java MIDP 2.0 - GPRS - Web Browser
Is the Tool's Code Available?: 
Is an API available to interface with your tool?: 
Global Regions: