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M-PESA: Mobile Money for the "Unbanked" Turning Cellphones into 24-Hour Tellers in Kenya

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  • Nick Hughes

    (Two authors have written this case study, each taking up one part of the story. The first section is written by Nick Hughes, a Vodafone executive who started this project in 2003 and now heads a mobile payments team with the task of growing the business globally. Nick led the efforts to get Vodafone focused and supportive at the very senior levels of the company in what seemed at the outset to be a fringe project.)

  • Susie Lonie

    (The second section is written by Susie Lonie, an m-commerce expert who was brought into Kenya to work through the detailed design phase and project manage the overall delivery of the service from pilot into commercial operation. Susie describes the day-to-day obstacles that needed managing, many of which could never have been foreseen at the outset.)

Abstract

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Suggested Citation

  • Nick Hughes & Susie Lonie, 2007. "M-PESA: Mobile Money for the "Unbanked" Turning Cellphones into 24-Hour Tellers in Kenya," Innovations: Technology, Governance, Globalization, MIT Press, vol. 2(1-2), pages 63-81, April.
    • Handle: RePEc:tpr:inntgg:v:2:y:2007:i:1-2:p:63-81
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    Cited by:

    1. Tendai Chikweche & James Lappeman & Paul Egan, 2024. "Marketing financial services in Africa: exploring the heterogeneous middle-class consumer across nine countries," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(1), pages 1-16, March.
    2. Yan Dong & Moonwon Chung & Chen Zhou & Sriram Venkataraman, 2019. "Banking on “Mobile Money”: The Implications of Mobile Money Services on the Value Chain," Manufacturing & Service Operations Management, INFORMS, vol. 21(2), pages 290-307, May.
    3. James Okrah & Alexander N. Nepp, 2022. "Mobile Money Services: An Enabler of Development Processes in Africa," Journal of Applied Economic Research, Graduate School of Economics and Management, Ural Federal University, vol. 21(4), pages 659-662.
    4. Hun Myoung Park, 2014. "Should E-government Be Transformational and Participatory? An Essay on E-government in the Utilitarian Mode of Information Technology Use," Working Papers EMS_2014_13, Research Institute, International University of Japan.
    5. Joel Kiplagat Tuwey & Vincent Ngeno, 2019. "Does CEO Traits Influence Innovation? Evidence from the Kenya Banking Sector," Journal of Accounting, Business and Finance Research, Scientific Publishing Institute, vol. 7(2), pages 98-106.
    6. Kalpana Tyagi, 2023. "A global blockchain-based agro-food value chain to facilitate trade and sustainable blocks of healthy lives and food for all," Palgrave Communications, Palgrave Macmillan, vol. 10(1), pages 1-12, December.
    7. Johann Maree & Rachel Piontak & Tonny Omwansa & Isaac Shinyekwa & Kamotho Njenga, 2013. "Developmental uses of mobile phones in Kenya and Uganda," Global Development Institute Working Paper Series ctg-2013-35, GDI, The University of Manchester.
    8. Metzger, Martina & Riedler, Tim & Pédussel Wu, Jennifer, 2019. "Migrant remittances: Alternative money transfer channels," IPE Working Papers 127/2019, Berlin School of Economics and Law, Institute for International Political Economy (IPE).
    9. Melia, Elvis, 2019. "The impact of information and communication technologies on jobs in Africa: a literature review," IDOS Discussion Papers 3/2019, German Institute of Development and Sustainability (IDOS).
    10. Rakhshanda Khan, 2016. "How Frugal Innovation Promotes Social Sustainability," Sustainability, MDPI, vol. 8(10), pages 1-29, October.
    11. Iva Peša, 2018. "The Developmental Potential of Frugal Innovation among Mobile Money Agents in Kitwe, Zambia," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 30(1), pages 49-65, January.
    12. Addisu A. Lashitew & Lydia Bals & Rob Tulder, 2020. "Inclusive Business at the Base of the Pyramid: The Role of Embeddedness for Enabling Social Innovations," Journal of Business Ethics, Springer, vol. 162(2), pages 421-448, March.
    13. Lepoutre, Jan & Oguntoye, Augustina, 2018. "The (non-)emergence of mobile money systems in Sub-Saharan Africa: A comparative multilevel perspective of Kenya and Nigeria," Technological Forecasting and Social Change, Elsevier, vol. 131(C), pages 262-275.
    14. Hisahiro Naito & Shinnosuke Yamamoto, 2022. "Is Better Access to Mobile Networks Associated with Increased Mobile Money Adoption? Evidence from the Micro-data of Six Developing Countries," Tsukuba Economics Working Papers 2022-001, Faculty of Humanities and Social Sciences, University of Tsukuba.
    15. Scott Burns, 2018. "M‐Pesa and the ‘Market‐Led’ Approach to Financial Inclusion," Economic Affairs, Wiley Blackwell, vol. 38(3), pages 406-421, October.
    16. Hun Myoung Park & Mohammad Tarikul Islam, 2013. "Did Mobile Payments Make Difference in "Unbanked" Rural Communities? Empirical Evidence from the Electronic Money Transform System of the Bangladesh Post Office," Working Papers EMS_2013_13, Research Institute, International University of Japan.
    17. Nyamongo, Esman & Ndirangu, Lydia Ndirangu2, 2013. "Financial Innovations and Monetary Policy in Kenya," MPRA Paper 52387, University Library of Munich, Germany.
    18. Hobololo, T.S. & Mawela, T., 2017. "Exploring the Use of Mobile Phones for Public Participation in the Buffalo City Metropolitan Municipality," AGRIS on-line Papers in Economics and Informatics, Czech University of Life Sciences Prague, Faculty of Economics and Management, vol. 9(1), March.

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