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Differences between Fee Structure of Mobile Money Technologies and Traditional Banking Systems, Social Psychological Determinants and Service Uptake: A Case Study of Uganda. Bruno L. YAWE & Tinah NASSALI College of Business and Management Sciences Makerere University, Kampala, UGANDA

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Differences between Fee Structure of Mobile Money Technologies and Traditional Banking Systems, Social Psychological Determinants and Service Uptake: A Case Study of Uganda

Bruno L. YAWE & Tinah NASSALI

College of Business and Management Sciences

Makerere University, Kampala, UGANDA

December 07th 2011

1


Presentation Plan

  • Research Procedures Completed to date

  • Preliminary Findings

  • Reflections on the Research Process [What has Worked, Successes, Pitfalls, Setbacks]

  • New Questions that the Research to date has Posed

  • Research Procedures still to be Conducted

  • Next Steps

2


Research Procedures Completed to date

  • Some interviews with officials from Bank of Uganda and the Uganda Communications Commission (UCC);

  • Questionnaires

  • Participating in public dialogues like: The operator-consumer dialogue on quality of service by UCC

3


Preliminary Findings

  • (a) Fee Structure of the Various Mobile Money Providers in Uganda

  • (b) Relate the Fees Structure of the various Mobile Money Providers to Service Uptake

  • (c) Examine the Social and Psychological Determinants of Mobile Money Technology Use and Adoption in Uganda

4


Fee Structure of the Various Mobile Money Providers in Uganda


Fee Structure of the Various Mobile Money Providers in Uganda…..MTN-Uganda Mobile money Tariff Plan

  • Daily limit: UG SHS 1,000,000 per transaction

  • Minimum Account Balance: 0

  • Maximum Account Balance UGX 1,000,000

  • Depositing into Mobile money Account: 0


Fee Structure of the Various Mobile Money Providers in Uganda…Airtel-Uganda Mobile money Tariff Plan (UGX)

  • Maximum Transfer amount (per transaction): 1000000

  • Maximum Transactions Buy Zap/Cash-In per day: 50

  • Maximum Transactions Sell Zap/Cash-Out per day: 50

  • * Rates determined by supply and demand

  • All values quoted above are in Ushs and are inclusive of VAT

7


(a) Fee Structure of the various Mobile Money Providers & Service Uptake


(b) Fee Structure of the various Mobile Money Providers & Service Uptake


Uganda; Mobile Money Services by Provider


Correlation Matrix for Mobile Money Facilitating Conditions


Correlation Matrix for Perceived Ease of Use


Facilitating Conditions and Perceived Ease of Use

  • The quality of MM services is dependent on amongst others the quality of mobile services and the agent-specific attributes [e.g. liquidity of agents, MM service-mix provided, security]. We delve into this on slide 14.

  • Further research should investigate the rationale for consumers subscribing to all MM providers; risk exposure associated with this;


Operator-Consumer Dialogue on Quality of Service

  • Accessibility to M.M services

  • Network coverage (no. of branches)

  • Liquidity availability for clients at all times

  • Possibility of inter-network transactions at reduced cost

  • Security of clients’ money ensured by providers

  • Perceived Ease of Use of M.M services (flexibility & convenience)

  • Perceived Usefulness of M.M services (reduced time costs)


Reflections on the Research Process

What has Worked/Successes

  • Secondary data sources (from Bank of Uganda);

  • Questionnaire;

  • Focused-Group Discussions (operator-consumer dialogue);

    Pitfalls

  • Tariff plans not easily comparable across providers;

  • Service uptake information from Bank of Uganda is too aggregated and providers cannot easily release it;

    Next Steps

  • Complete remaining research procedures;

  • Prepare a manuscript for submission to a journal

15


New Questions that the Research to date has Posed

  • Who is the regulator of mobile money services? Providers; The Central Bank, Uganda Communications Commission?

  • Who set the tariff plans being implemented by agents?

  • If a client sends money and it does not get received where does one seek redress? BOU, UCC, National Information Technology Authority – Uganda (NITA-U) or providers?

  • The tariff plans differ depending upon the provider. What are the implications of this?

16


Mobile Money in Rural areas

Thank You!

17


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