Journals Information
World Journal of Computer Application and Technology(CEASE PUBLICATION) Vol. 4(1), pp. 8 - 14
DOI: 10.13189/wjcat.2016.040102
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Challenges Facing the Use and Adoption of Mobile Phone Money Services
Odoyo Collins Otieno 1,*, Samuel Liyala 1, Benson Charles Odongo 2, Silvance Abeka 1
1 School of Informatics and Innovative Systems, Jaramogi Oginga Odinga University of Science and Technology, Kenya
2 Department of Special Needs Education and Early Childhood Development, Jaramogi Oginga Odinga University of Science and Technology, Kenya
ABSTRACT
The Mobile phone banking idea was initially born out of the intention to reach the unbanked rural poor. However, there still existed mobile phone money service divide, highly skewed against the rural poor population. This paper was therefore seeking to explore challenges facing mobile phone money services. Qualitative research technique was used. Further, both primary and secondary data was used. The study was conducted in Homa Bay region in Kenya, using ethnography research design. The study established that mobile phone money use and adoption had numerous challenges that had hindered it. Most affected by the challenges were the mobile phone money users and potential users from the rural poor communities. Some of the challenges included lack of national ID cards by potential users, few mobile phone money agents, inadequate cash and e-floats by the agents, awareness and lack of information on how to access and operate certain features in mobile money platform, as well as language barrier.
KEYWORDS
Mobile Phone Money, Mobile Phone Users, Challenges, Mobile Phone Money Use, Mobile Phone Money Adoption
Cite This Paper in IEEE or APA Citation Styles
(a). IEEE Format:
[1] Odoyo Collins Otieno , Samuel Liyala , Benson Charles Odongo , Silvance Abeka , "Challenges Facing the Use and Adoption of Mobile Phone Money Services," World Journal of Computer Application and Technology(CEASE PUBLICATION), Vol. 4, No. 1, pp. 8 - 14, 2016. DOI: 10.13189/wjcat.2016.040102.
(b). APA Format:
Odoyo Collins Otieno , Samuel Liyala , Benson Charles Odongo , Silvance Abeka (2016). Challenges Facing the Use and Adoption of Mobile Phone Money Services. World Journal of Computer Application and Technology(CEASE PUBLICATION), 4(1), 8 - 14. DOI: 10.13189/wjcat.2016.040102.