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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
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 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
slide7
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

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

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