Publications

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Publications
July 2015

Business primitives – Enabling payment lifecylces through software

Two gaps work together to limit the electronification of merchant payments. Customers with depleted electronic accounts are not naturally inclined to pay electronically at local shops, and shops not accustomed to paying their suppliers with electronic money are not so likely to actively promote it with their own customers. While that is the case, mobile […]

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Publications -
April 2012

Why doesn’t every Kenyan business have a mobile money account?

M-PESA agents and, increasingly, the agents of other mobile money schemes and banks are everywhere. The most striking thing about mobile money in Kenya is how visible it is: the proliferation of store signage leaves no one with any doubt that something big is happening in the Kenyan payment space. It is estimated that three […]