Datasets

Results 111 - 120 of 121
Datasets
July 2015

Agent Network Accelerator (ANA) survey Kenya 2013

The Agent Network Accelerator Survey focuses on operational determinants of success in agent network management in the following areas: quality of provider support, agent & agency demographics, core agency operations, liquidity management and business model viability. While the 2013 data is not yet available to the public, the 2013 findings can be accessed at the […]

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 […]

Publications -
September 2013

No more tears: Mobile app making life easier for savings groups

FSD Kenya with a software development firm Software Group are in the process of developing a mobile app – provisionally called e-Recording – that hopefully will enable groups to leave the trail of tears for good. The app, which runs on Android phones, initially leads a group through a set-up process, during which the group […]

Publications
June 2012

Time for cash to cash out? Scoping Kenya’s path to a cash-lite society

Cash is an expensive financial instrument. Because it is physical, it must physically change hands, be aggregated, moved over space, and protected from theft both in small and large values. All of this – transportation, processing time, security, and the need for physical storage – entails costs. Electronic payment systems represent what could be a […]

Publications
April 2012

Using credit to grow savings: Results from a mobile pilot in Kenya

In November 2009 the Consultative Group to Assist the Poor (CGAP) and the Financial Sector Deepening Trust Kenya (FSD Kenya) provided a total of USD 540,000 to Mobile Ventures Kenya Limited (MVK) to enable MVK to pilot an innovative savings product delivered through the mobile channel. The product is Jipange KuSave (meaning “plan or organise […]

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 […]

Publications -
March 2012

The search for inclusion in Kenya’s financial landscape: The rift revealed summary report

Does the rapid adoption of mobile phone based money transfer services (MMT) suggest a tectonic shift in Kenya’s financial landscape and the greater potential for formal sector inclusion – especially in savings or transactions accounts? This report examines the use of MMT within the context of informal and formal financial service use. The study investigated […]

Publications
March 2012

The search for inclusion in Kenya’s financial landscape: The rift revealed

This report examines the use of M-PESA within the wider context of financial service use in Kenya. It argues that the way this service is being used offers evidence of a key feature of the logic of people’s financial transactions: that they are embedded in the give and take nature of inter-personal transfers within social […]

Publications
December 2011

Liquidity and savings in the age of M-PESA

This paper shares the experience of designing and launching Jipange KuSave (JKS), a process that highlights the importance of iterative testing, vigilant innovation accounting, rapid customer development, and commercial model validation. It also exposes the innovator’s dilemma in trying to provide savings services for the poor. Can licensed incumbents think beyond the short-term need to […]

Publications
August 2009

What makes a successful mobile money implementation? M-PESA in Kenya and Tanzania

This review considers the differences between the adoption rates of M-PESA in Kenya and Tanzania and tries to highlight some of the reasons that the same service launched in seemingly similar countries has yielded such different results. This paper is intended as a discussion document for mobile network operators (MNOs) considering launching a mobile money […]