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The truth about mobile banking in Africa;Case Study Success in Kenya no attention in Tanzania.

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by nngu007, Mar 18, 2011.

  1. nngu007

    nngu007 JF-Expert Member

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    Mar 18, 2011
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    The truth about mobile banking in Africa

    [​IMG] M-Pesa advert

    There has a lot written about mobile payments in Africa, particularly since the success of M-Pesa in Kenya
    Mobile banking is certainly a growth industry across many African countries: indeed, my esteemed colleague Rick Wray reports that UK-listed Monitise is hoping to extend the reach of services with a deal to run new systems across a number of African countries.
    For Kenyans it is clearly an amazingly successful technology, and has generated all sorts of interesting opportunities for people who often live isolated rural lives or do not have access to the traditional banking structure.
    However, despite the soaraway success of M-Pesa, mobile payments are still in their early days - and while Kenya has eagerly embraced the system, one swallow doesn't make a summer. As such, I thought I'd share a really great post I read from the CGap thinktank (it stands for the Consultative Group to Assist the Poor, but I think we'll stick with the abbreviation) on why M-Pesa hasn't necessarily hit the heights outside of Kenya.
    The Web is full of stories singing the praises of Safaricom's M-PESA, a service that allows Kenyans to safely and cheaply send money to family and friends throughout the country using a mobile wallet. In neighboring Tanzania, M-PESA has been in the market for over a year. Yet it is not garnering the same level of media attention. Despite the close proximity of Tanzania and Kenya, the mobile banking landscape in each is quite different.
    Among the differences they note are the communities they cover (Tanzania is bigger and less densely populated than its neighbour), a change in marketing strategy and a different pricing scheme.
    While I'm not playing down the idea that mobile banking offers better living through technology, it's worth seeing that it is not simply the case that building the services will result in automatic success.
     
  2. Negrodemus

    Negrodemus JF Gold Member

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    its not da big deal sooooooooooo? by da way who are u? marketing officer or just a subscriber
     
  3. Husninyo

    Husninyo JF-Expert Member

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    Halafu M pesa wana makato makubwa kuliko banks, na huduma nayo longolongo kwenye baadhi ya vituo.
    Kwani m pesa kenya imeanza kabla ya tz au?
    Acha wafagilie huko huko.
     
  4. LordJustice1

    LordJustice1 JF-Expert Member

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    m-pesa wanatoza tsh 200 tu, is that expensive as compared to bank charges?
     
  5. Negrodemus

    Negrodemus JF Gold Member

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    c umezoea kutoa efu mbili na 5 ukitoa elfu kumi tu unaacha buku
     
  6. Husninyo

    Husninyo JF-Expert Member

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    Mar 18, 2011
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    weee!
    Hebu waulize vizuri makato yao yanaendaje.
     
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