Le double rôle du paiement mobile dans les pays en développement

Laetitia Chaix and Dominique Torre ()

Revue économique, 2015, vol. 66, issue 4, 703-727

Abstract: This paper analyzes the capacity of mobile-payment solutions to improve financial inclusion in developing countries. It elaborates from rural East African countries experiences where mobile payment services have developed rapidly. With a simple dynamic model which rationalizes traders? adoption process of distant mobile payment services, we analyze the role of telephonic operators in financial inclusion. We point out the interest of a diversified supply of m-payment services, including simplified solutions proposed by operators alone, in complement of more advanced services involving financial partners. We explain how such a diversified supply, including a ?frugal? innovative component, can be more efficient to improve financial inclusion than the only elaborated solutions provided cooperatively by operators and banks. Codes JEL : E42, O33

JEL-codes: E42 O33 (search for similar items in EconPapers)
Date: 2015
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Citations: View citations in EconPapers (8)

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