Mobile Money and Consumer Protection: An Analysis of Regulatory Environments To Enable Mobile Money

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dc.contributor.advisorShing-Yi Wang
dc.contributor.authorMechale, Abenezer
dc.contributor.authorMechale, Abenezer
dc.date2023-05-18T00:57:14.000
dc.date.accessioned2023-05-22T23:10:03Z
dc.date.available2023-05-22T23:10:03Z
dc.date.issued2021-05-01
dc.date.submitted2021-08-22T19:04:25-07:00
dc.description.abstractSince its rise in the early 2000s, mobile money has become one of the most successful innovations of the emerging economies. This paper provides an overview of the many benefits that mobile money provides within the context of emerging economies and makes the argument that enabling government regulation is crucial to the development of successful mobile money systems. More specifically, we find that within the context of sub-Saharan Africa, consumer protection is the most important aspect of government regulation that predicts the spread of mobile money. The paper also recommends a set of policy tools such as third-party fiduciary requirements and pass-through deposit insurance to safeguard customer funds.
dc.identifier.urihttps://repository.upenn.edu/handle/20.500.14332/37811
dc.legacy.articleid1115
dc.legacy.fulltexturlhttps://repository.upenn.edu/cgi/viewcontent.cgi?article=1115&context=joseph_wharton_scholars&unstamped=1
dc.source.issue113
dc.source.journalJoseph Wharton Scholars
dc.source.statuspublished
dc.subject.otherM-Pesa
dc.subject.othermobile money
dc.subject.otherpass-through deposit insurance
dc.subject.otherconsumer protection
dc.subject.otherConsumer Protection Law
dc.subject.otherFinance and Financial Management
dc.subject.otherTechnology and Innovation
dc.titleMobile Money and Consumer Protection: An Analysis of Regulatory Environments To Enable Mobile Money
dc.typeWorking Paper
digcom.contributor.authorisAuthorOfPublication|email:meabe@wharton.upenn.edu|institution:University of Pennsylvania|Mechale, Abenezer
digcom.identifierjoseph_wharton_scholars/113
digcom.identifier.contextkey24433305
digcom.identifier.submissionpathjoseph_wharton_scholars/113
digcom.typeworkingpaper
dspace.entity.typePublication
relation.isAuthorOfPublicationc9e256e9-a480-4f9c-b786-25e7ae9e20ff
relation.isAuthorOfPublication.latestForDiscoveryc9e256e9-a480-4f9c-b786-25e7ae9e20ff
upenn.schoolDepartmentCenterJoseph Wharton Scholars
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