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      An Empirical Examination of Why Mobile Money Schemes Ignite in Some Developing Countries but Flounder in Most

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      Review of Network Economics
      Walter de Gruyter GmbH

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          Abstract

          Mobile money schemes have grown rapidly in some developing countries but failed in many more. This paper reports the results of an empirical study of mobile money schemes in 22 developing countries chosen based on prior evidence to include roughly equal numbers of successes and failures. It uses a combination of quantitative and qualitative evidence to determine why some countries succeeded in launching mobile money schemes and others failed. The analysis is guided by multi-sided platform economics and in particular recent work on the role of ignition and critical mass. It finds among other things heavy regulation, and in particular an insistence that banks play a central role in the schemes, which is generally fatal to igniting mobile money schemes.

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          Most cited references1

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          Platform Competition in Two - Sided Markets European Economic RochetJ C TiroleJ Platform Competition in Two - Sided MarketsEuropean Economic

          Rochet (2003)
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            Author and article information

            Journal
            Review of Network Economics
            Walter de Gruyter GmbH
            1446-9022
            2194-5993
            January 1 2014
            January 1 2014
            : 13
            : 4
            Article
            10.1515/rne-2015-0020
            fffd3356-f183-48d8-b8e2-2d9e80243f6c
            © 2014
            History

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