MOBILE MONEY FOR FINANCIAL INCLUSION

Öz

Developing countries have dragged in terms of financial inclusion as compared to the developed world. Banks and other traditional financial institutions have hesitated from engaging the bottom of the pyramid for lack of commercial viability. However, this trend has all but been reversed in the past decade, thanks (in most part) to mobile money. The application of mobile money has changed how business is conducted in many places and has been credit to economic advancement in some developing countries. It is, however, noted that not all countries have had the same level of success with mobile money; some have performed poorly while other have failed entirely.  We set out to discern the main reasons for this disparity by looking at the success of mobile money as displayed by the operators considered by many as model examples in mobile money- Kenya and the Philippines.

Anahtar Kelimeler

• Mobile Money,M-Pesa,SMART,Globe Telecom,Virtual Wallet

FİNANSAL İÇERME İÇİN MOBİL PARA

Öz

Gelişmiş dünyaya kıyasla Gelişmekte olan ülkeler mali içerme açısından sürüncemede kalmaya devam ediyor. Bankalar ve diğer geleneksel finans kuruluşları, ticari hayatta kalamama eksikliği nedeniyle piramidin alt kısmından çekilmeye tereddüt etmektedirler. Bununla birlikte, bu eğilim son on yılda mobil para uygulamasıyla tersine dönmüştür. Mobil paranın uygulanması, işlerin birçok yerde nasıl yapıldığını ve gelişmekte olan bazı ülkelerde de ekonomik ilerleme için kredi verilme biçimini değiştirmiştir.   Bununla birlikte, tüm ülkelerin mobil para uygulamasında aynı seviyede bir başarıya sahip olmadığını kaydedilmiştir; bazıları kötü bir geçiş dönemi yaşarken, bazıları tamamen başarısız olmuştur.  Bu çalışmada mobil para uygulamasının başarısına bakarak, bu farklılığın temel nedenlerini belirlemek için Kenya ve Filipinler’deki mobil para uygulamaları incelenmiştir.

Anahtar Kelimeler

• Mobil Para,M-Pesa,SMART,Globe Telecom,Sanal Cüzdan

Kaynakça

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