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New Perspectives of Mobile Payment Platform for Developing Countries
Abstract
Mobile phones have become substantially more popular and sophisticated as African consumers have become remarkably comfortable with their use. This chapter shows the impact of the growing adoption of mobile payments as a financial transaction medium for money transfer, retail payments, or micropayments in Africa. Adoption was slow due to the nature of the mobile technology supporting the concept. The author shows how these innovations will continue to improve the quality of life of Africans, especially those in rural areas. He presents M-Pesa as a mobile payment system, which has had great success in Kenya. The author identifies the fundamental principles of success; thus, this enables the author to create an ECOPAY platform, which is an innovative mobile payment platform for emerging markets. The platform provides different types of m-payment like as B2C, B2B, or P2P using the mobile phone or others devices. Each transaction is secure by using encrypted messages and encrypted connections between the devices and the ECOPAY servers. The solution is based on the social and technological environment in developing countries.
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