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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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Bruno l yawe tinah nassali college of business and management sciences

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

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

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

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


Fee structure of the various mobile money providers in uganda mtn uganda mobile money tariff plan

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


Bruno l yawe tinah nassali college of business and management sciences

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

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


B 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

Uganda; Mobile Money Services by Provider


Correlation matrix for mobile money facilitating conditions

Correlation Matrix for Mobile Money Facilitating Conditions


Correlation matrix for perceived ease of use

Correlation Matrix for Perceived Ease of Use


Facilitating conditions and 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

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

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

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

Mobile Money in Rural areas

Thank You!

17


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