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The Diffusion of M-Pesa in Developing Countries: Convergence Program Lead Vodafone Albania Sh.a, Tirane, Albania

Author

Listed:
  • Elvis Bregu

    (PhD. Cand.)

  • Anamali Armela
  • Bitila Shosha

Abstract

The purpose of this study is to investigate whether this kind of innovative service was successful in all developing countries. Prior to the introduction and implementation of M-Pesa, people used a variety of formal and informal channels to save or send money to others. It is supposed that through mobile money technology, the population currently out of the reach of financial services will be integrated as formal players into the market and that informal ways of transferring money will be reduced (Jenkins, 2008). Financial inclusion is an issue that has gathered a lot of attention among policymakers and researchers and is referred to as a process that guarantees ease on access, availability and also the usage of banking services for all householders of a country (Sarma, 2010). Without doubt, the introduction of M-Pesa in Kenya has deeply changed the way through which transactions occur. Based on the review of the literature but also the case-studies on the application of M-Pesain Albania and other countries, at the end of the paper we give some important conclusions.

Suggested Citation

  • Elvis Bregu & Anamali Armela & Bitila Shosha, 2021. "The Diffusion of M-Pesa in Developing Countries: Convergence Program Lead Vodafone Albania Sh.a, Tirane, Albania," European Journal of Economics and Business Studies Articles, Revistia Research and Publishing, vol. 5, May - Aug.
    • Handle: RePEc:eur:ejesjr:217
    DOI: 10.26417/ejes.v5i2.p43-47
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    Cited by:

    1. Denis Celcima & Lito Goga, 2020. "Pandemics and the Adaption of Social Perception in Cohabitation with Viruses," European Journal of Multidisciplinary Studies Articles, Revistia Research and Publishing, vol. 5, ejms_v5_i.
    2. Homayun Alam, 2021. "Political Borders Are Not Natural Orders – The COVID-19 Pandemic in Frankfurt on the Main and Its Refugees," European Journal of Interdisciplinary Studies Articles, Revistia Research and Publishing, vol. 7, July -Dec.
    3. Denis Bizhga, 2020. "The Influence of Folklore on the Cultivated Albanian Music of the XX Century," European Journal of Multidisciplinary Studies Articles, Revistia Research and Publishing, vol. 5, ejms_v5_i.

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