Mobile Phones and

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12 Νοε 2013 (πριν από 3 χρόνια και 8 μήνες)

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Centre for Development
Informatics

Mobile Phones and
Financial Services in
Developing Countries

A Research Review

Richard Duncombe & Richard Boateng

Centre for Development Informatics

University of Manchester, UK

http://www.manchester.ac.uk/cdi


Centre for Development
Informatics

Centre for Development
Informatics

Research Overview:


Aim of Research:
to review
research undertaken between
2000 and 2008 concerning mobile
phones and financial services (m
-
finance) in developing countries


identifying strengths and
weaknesses in relation to key
issues and evidence, as well as
conceptual and methodological
approach.


Research Undertaken
: 43
research articles were reviewed
across social and technical
disciplines, and categorised
according to a ‘temporal lifecycle’
model spanning needs
assessment, design, adoption and
impact and level of focus, as well
as broader conceptual and
methodological spectra


identifying key gaps in research.

M
apping of
Articles Reviewed Ac
cordin
g to
a
Temporal Lifecycle M
odel and
Le
vel of
An
alysis



Studies assessing
needs
or
requirements


Studies
concerned with
design
of systems
and areas of
application


Studies
concerned with
processes
of
adoption and
adaptation

Studies
concerned with
assessi
ng
impact

Studies conducted at
the
macro
-
level
(
i
nfrastructure,
policy and
regulation)









Studies conducted at
the
meso
-
level

(intermediaries,
delivery
mechanisms)








Studies conducted at
the
micro
-
level

(individual owners/
shared
users)










Bold
: analysis of
data collected from prim
ary
sources (1
7
articles)


I
talic
: analysis
of data
collected from secondary sources
(
13
articles)


Normal: no data
collected or analysed
(1
3
articles)

8

9

15

28

43

33

3

31

37

29

13

22

26


24

25

27

35

40

19

21

32

36

11

14

10

38

18
,

23

4

30

7

20

39

41


6
,
12
,
17
, 42

16
,
34

2

1
, 5

Centre for Development
Informatics

Research Findings


Academic Finding
: Community needs assessment and
social impact of m
-
finance is under researched, whilst
design and adoption studies utilising business and
innovation theories/models predominate.


Practical Recommendation
: Greater emphasis on
integrating m
-
finance research into mainstream research
concerning micro
-
financial services and finance for the
poor, emphasising greater understanding of financial
service practices and behaviours, and the utility of m
-
finance solutions within a broader analysis of choice
concerning available technologies and organisational forms


for financial service delivery.

Centre for Development
Informatics

Further Information


For the full range of analysis and findings see:
Duncombe, R. & Boateng, R. (2009) ‘
Mobile phones
and financial services in developing countries: A
review of concepts, methods, issues, evidence and
future research directions’, Centre for Development
Informatics Working Paper No.37, IDPM, University of
Manchester,
http://www.sed.manchester.ac.uk/idpm/research/pu
blications/wp/di/di_wp37.htm



Also: Third World Quarterly, 30(7)2009 [in
-
press].


richard.duncombe@manchester.ac.uk