Although a specialized regulatory window for e-money issuers (EMIs) has been recognized as a key regulatory…
E-Payments
Business Primitives: Enabling Payment Lifecycles through Software
This paper by Ignacio Mas defines ‘business primitives’ as low-level operations from which higher-level, more…
Why Doesn’t Every Kenyan Business Have a Mobile Money Account?
The contribution of mobile payments (and in particular M-PESA) in Kenya to strengthening family/social networks…
Realizing the Potential of Branchless Banking: Challenges Ahead
This paper from Ignacio Mas further develops a broad vision for financial inclusion sketched out…
The Economics of Branchless Banking
This paper by Ignacio Mas provides a formal analysis of the economic drivers for branchless…
Three Keys to M-PESA’s Success: Branding, Channel Management and Pricing
M-PESA, a mobile-phone based electronic payments system, has been adopted by 8.5 million Kenyans in…
Beyond Products: Building Integrated Customer Experiences on Mobile Phones
With today’s mobile money platforms, the value proposition for keeping money digital and driving up…
Responsible Digital Payments Guidelines
The Better Than Cash Alliance ‘Responsible Digital Payments Guidelines‘ identify eight good practices for engaging…
Fertile Grounds for Mobile Money: Towards a Framework for Analyzing Enabling Environments
The potential of mobile phones to revolutionize access to financial services in developing countries is…