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Information Resources Management Association
Advancing the Concepts & Practices of Information Resources Management in Modern Organizations

Mobiles for Development: The Case of M-Banking

Mobiles for Development: The Case of M-Banking
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Author(s): Judith Mariscal (Centro de Investigación y Docencia Económicas (CIDE), Mexico)
Copyright: 2010
Pages: 21
Source title: Handbook of Research on Overcoming Digital Divides: Constructing an Equitable and Competitive Information Society
Source Author(s)/Editor(s): Enrico Ferro (Istituto Superiore Mario Boella (ISMB), Italy), Yogesh K. Dwivedi (Swansea University, UK), J. Ramon Gil-Garcia (Centro de Investigación y Docencia Económicas (CIDE), Mexico) and Michael D. Williams (Swansea University, UK)
DOI: 10.4018/978-1-60566-699-0.ch025


View Mobiles for Development: The Case of M-Banking on the publisher's website for pricing and purchasing information.


This chapter offers a survey of recent literature on access gaps that focuses on pro-poor market solutions provided by mobile applications. The emerging literature on mobile uses in developing countries has focused on the benefits of voice and text messaging. However, there is little academic research on mobile applications such as m-banking. While a large number of low income people have access to mobile phones, these groups are excluded from the financial market. M-banking offers the opportunity to diminish this financial exclusion by offering access to credit and to savings which are key tools capable of transforming the livelihoods of the poor and the efficiency of the market. Accessibility is the major barrier for the expansion of mobile adoption by the poor. There is an important role for regulators to play in enabling an appropriate environment for the increase in the mobile penetration as well as business models for m-banking.

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