regulation

Mobile Africa Report 2011: Regional Hubs of Excellence and Innovation

Posted by MarkWeingarten on Apr 04, 2011
Mobile Africa Report 2011: Regional Hubs of Excellence and Innovation data sheet 1475 Views
Author: 
Rao, Madanmohan
Publication Type: 
Report/White paper
Publication Date: 
Mar 2011
Abstract: 

According to industry estimates, there are more than 500 million mobile phone subscribers in Africa now, up from 246 million in 2008. In 2000, the number of mobile phones first exceeded that of fixed telephones. Africans can accelerate development by skipping less efficient technologies and moving directly to more advanced ones.

The telecommunications sector continues to attract a flurry of public and private investment from foreign sources and local banks, but the investment should be in software and services, not just cabling infrastructure.


Innovative ways of appropriating mobile telephony in Africa

Posted by Agata on Oct 14, 2010
Innovative ways of appropriating mobile telephony in Africa data sheet 2429 Views
Author: 
Annie Chéneau-Loquay
Publication Type: 
Report/White paper
Publication Date: 
Sep 2010
Abstract: 

The report entitled  "Innovative ways of appropriating mobile telephony in Africa" is published by the French Ministry of Foreign and European Affairs and the International Telecommunication Union (ITU).

The democratization of mobile telephony in Africa, its availability, ease of use and, above all, the extent to which it has been appropriated by the public, have made it a major success story. Very low-income populations are not only actively demanding access to mobile telephone services but also innovating by creating the functions and applications they can use. Development is thus happening “from the bottom up” and an entire economy, both formal and informal in nature, has come into being to meet people’s needs. Many different actors – private, public, NGOs – are now mobilized.

Operators and manufacturers have successfully changed their economic model and adapted their products and applications to allow access to services at affordable prices. NGOs have in addition created a range of messaging- based services in different sectors. However, the future evolution of mobile telephony is not clear. A range of different approaches will co-exist, from SMS up to full Internet capacity, including experimental initiatives using smart phones and “netbooks”. Falling costs will lead to an increase in the number of phone devices with data receiving capacity.

Individuals and companies involved in creating services or applications for development will need to take account of their users’ demographics and incomes, as well as the pricing systems of telecommunication companies in countries where they wish to operate. In this, states and regulating authorities have grasped the crucial role which they must play in promoting an investment-friendly environment with the goal of achieving universal access and stimulating innovation – key factors in achieving a “critical mass” of users.

The advent on the African continent of high-capacity links via submarine cables will change the ground rules and force operators to seek new sources of revenue. The inventiveness that has already been evident in mobile voice telephony will be needed once again if the “mobile divide” (in terms of costs, power supply, and so on) is not to widen.

This report takes stock of developments in this sector, which is crucial to Africa’s economic development, and suggests a number of possible directions it might take.


Mobile Banking: Overview of Regulatory Framework in Emerging Markets

Posted by AnneryanHeatwole on Mar 12, 2010
Mobile Banking: Overview of Regulatory Framework in Emerging Markets data sheet 3456 Views
Author: 
Rasheda Sultana
Publication Type: 
Report/White paper
Publication Date: 
Dec 2009
Abstract: 

Across developing countries, millions of people rely on informal economic activity and local level networks to earn their living. Most of these populations are from bottom of pyramid and they don’t have access to basic financial services/banks as access to them is costly and very limited. However, the outstanding growth of mobile sector worldwide has created a unique opportunity to provide social and financial services over the mobile network. With over 4 billion mobile cellular subscriptions worldwide, mobile network has the ability to immediately offer mobile banking to 61% of the world population. A study states the biggest share of mobile payment users will be in the Asia/Pacific region by 2012 (Gartner, 2008). In the context of being the most promising ICT market and the largest inbound remittance receiver, this region is expected to be the hub of m-banking transactions. 

The paper starts with an overview of existing models of m-banking and then examines the m-banking regulations in some South Asian countries and of the countries where (e.g. the Philippines, Kenya, South Africa) m-baking/payment systems are already in practice or a success. The concerns of financial regulators and policy measures taken so far are discussed.

The key questions this paper aims to answer:

⇒ What are the practiced models of m-banking/payment systems? 

⇒ What concerns are generally raised by financial regulators?  

⇒ Which m-banking/payment models have drafted or enacted in South Asia?  

⇒ Which m-banking/payment models have are enacted in the countries where it is a success?

⇒ What constitutes a proportionate regulatory approach?  

The answers to the above questions helps to identify a way forward which can expedite adoption of m-banking/ payments service in South Asia successfully and quickly.