Mobile Phones and Financial Services in Developing Countries: a review of concepts, methods, issues, evidence and future research directions

被引:112
作者
Duncombe, Richard [1 ]
Boateng, Richard [2 ]
机构
[1] Univ Manchester, Sch Environm & Dev, Inst Dev Policy & Management, Manchester M13 9PL, Lancs, England
[2] Southern Univ, Coll Business, Int Ctr Informat Technol & Dev, Baton Rouge, LA 70813 USA
关键词
PAYMENTS; AFRICA;
D O I
10.1080/01436590903134882
中图分类号
F0 [经济学]; F1 [世界各国经济概况、经济史、经济地理]; C [社会科学总论];
学科分类号
0201 ; 020105 ; 03 ; 0303 ;
摘要
Research concerning mobile phones and financial services in developing countries has undergone rapid growth in recent years. This paper seeks to improve understanding of the current state of knowledge by reviewing the content of 43 research articles. A framework is developed that differentiates research activity according to a lifecycle model that incorporates financial needs, design, adoption and impact. The review finds that research to date has resulted in a high level of practitioner involvement, providing valuable links from the mobile phone industry to the research community but, as a consequence, research has become too narrowly defined. Thus, issues of assessing financial need and the measurement of impact have been comparatively neglected, while application design and adoption studies have received greater attention. This paper suggests a future direction for research and practice within the mainstream of micro-financial services and finance for the poor, correcting this imbalance, and contributing towards the mobiles-in-development-research agenda.
引用
收藏
页码:1237 / 1258
页数:22
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