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A Literature Review of Mobile Payments in Sub-Saharan Africa

Part of the IFIP Advances in Information and Communication Technology book series (IFIPAICT,volume 558)

Abstract

The influx of mobile technologies during 1990’s saw to the purchase of mobile phones and subsequently mobile terminals in the form of tablets, PDAs among others. The trend in adoption has seen increasing hikes and drastic impact on business transactions also recorded. Mobile payments have emerged as one of the electronic payment platforms that are creating convenience for many consumers. In order to strengthen the field and to examine the knowledge gap over a decade (2007–2017), a review of literature was opportune. Hence 37 studies conducted in Sub-Saharan Africa were retrieved, classified based on TOE framework and Porter’s five competitive forces. The thematic areas identified based on the framework were reviewed. In addition, geographical cover, methodological issues, conceptual frameworks and gaps identified for further studies were also studied. The analysis showed that, similar to earlier findings; Changes in technology, merchant adoption and consumer adoption have been well researched into with grey areas like traditional payment systems, socio-cultural factors that affect implementation of mobile payment system. The research gaps and direction of future research were discussed.

Keywords

  • Mobile phone
  • Sub-Saharan Africa
  • Mobile payment services market
  • M-commerce
  • Mobile money
  • Ghana

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Correspondence to Maame Yaa Prempeh Sarpong .

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Appendix A

Appendix A

List of Articles

Tag Year Author names Title
1 2018 Gichuki, C.N., Mulu-Mutuku, M. Determinants of awareness and adoption of mobile money technologies: evidence from women micro entrepreneurs in Kenya
2 2017 Jan Lepoutre, Augustina Oguntoye The (Non-)emergence of mobile money systems in sub-saharan africa: a comparative multilevel perspective of Kenya and Nigeria
3 2017 Kanjo, C., Phiri, Y., Mtumbuka, F., Manda, T. ICT solutions for financial inclusion: reaching out to the unbanked in low resource settings
4 2017 Goher, M., Rizka, M.A. - abstract An extension for the mobile payment collaborative model proposed for developing countries—Egypt case study
5 2017 Lwoga, E.T., Lwoga, N.B. User acceptance of mobile payment: the effects of user-centric security, system characteristics and gender
6 2017 Amegbe, H., Hanu, C., Nuwasiima, A. Small-scale individual entrepreneurs (Sies) and the usage of mobile money (M-Money) and mobile commerce (M-Commerce) in facilitating business growth in Ghana
7 2017 Frederick Kanobe, Patricia M Alexander, Kelvin J Bwalya Policies, regulations and procedures and their effects on mobile money systems in Uganda
8 2017 Paul Mupfiga and Tafadzwa Padare The rise of mobile technology on the financial sector in Zimbabwe
9 2014 Nyirenda, M., Chikumba, P.A. Consumer adoption of mobile payment systems in Malawi: case of airtel Malawi ZAP in Blantyre city
10 2014 Harry, R., Sewchurran, K., Brown, I. Introducing a mobile payment system to an emerging economy’s mobile phone subscriber market. an actor network perspective
11 2014 Dismas Anthony2 and Darlene K. Mutalemwa Factors influencing the use of mobile payments in Tanzania: insights from Zantel’s Z-Pesa1 services
12 2014 Ricardo Harry Kosheek Sewchurran Irwin Brown Introducing a mobile payment system to an emerging economy’s mobile phone subscriber market. An actor network perspective
13 2014 Patrick K. Wamuyu The role of contextual factors in the uptake and continuance of mobile money usage in Kenya
14 2014 Jake Kendall and Rodger Voorhies The mobile-finance revolution: how cell phones can spur development
15 2014 Dibia Victor On the user-centric evolution of mobile money technologies in developing nations: successes and lessons
16 2013 Berrado, A., Elfahli, S., El Garah, W. Using data mining techniques to investigate the factors influencing mobile payment adoption in Morocco
17 2013 Doolhur, N., Suddul, G., Foogooa, R., Richomme, M. An open API to monetize mobile micro-services for emerging countries
18 2013 Nana Mbinkeu, R.C Analysis and design of mobile payment platform in African context
19 2013 Zilole Simate Evaluation of mobile network security a case of mobile transactions in Zambia
20 2012 Suri, Tavneet; Jack, William; Stoker, Thomas M. Documenting the birth of a financial economy
21 2012 Kabanda, S.K., Downes, A., Baltazar Dos Ramos, S. Mobile banking services in South Africa: the case of M-Pesa
22 2011 Ayo, C.K., Adewoye, J.O., Oni, A.A. Development of a framework for mobile money implementation in Nigeria
23 2011 Austin Briggs/Laurence Brooks Electronic payment systems development in a developing country: the role of institutional arrangements
24 2011 Mahamadu Salia, Nicholas N.N. Nsowah-Nuamah, William F. Steel Effects of mobile phone use on artisanal fishing market efficiency and livelihoods in Ghana1
25 2011 Felix O. Bankole, Omolola O. Bankole, Irwin Brown Mobile banking adoption in Nigeria
26 2011 Bjorn Furuholt, Edmund Matotay The developmental contribution from mobile phones across the agricultural value chain in rural Africa
27 2010 Goodman, Seymour; Harris, Andrew The coming African tsunami of information insecurity
28 2010 Brown, Bethany Mobile phones: reshaping the flow of Urban-To-Rural remittances
30 2010 Benjamin Ngugi, Matthew Pelowski, Javier Gordon Ogembo M-Pesa: a case study of the critical early adopters’ role in the rapid adoption of mobile money banking in Kenya
31 2010 Marion Mbogo The impact of mobile payments on the success and growth of micro-business: the case of m-pesa in Kenya
32 2010 Sebastiana Etzo and Guy Collender Briefing: the mobile phone ‘revolution’ in Africa: rhetoric or reality?
33 2010 Jenny C. Aker and Isaac M. Mbiti Mobile phones and economic development in Africa
34 2010 Alfred Said Sife, Elizabeth Kiondo and Joyce G. Lyimo-Macha Contribution of mobile phones to rural livelihoods and poverty reduction inmorogoro region, Tanzania
35 2011 Austin Briggs and Laurence Brooks Electronic payment systems development in a developing country: the role of institutional arrangements
36 2009 Amrik Heyer and Ignacio Mas1 Seeking fertile grounds for mobile money
37 2007 Raymond A. Boadi, Richard Boateng, Robert Hinson and Robert A. Opoku Preliminary insights into m-commerce adoption in Ghana

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Boateng, R., Sarpong, M.Y.P. (2019). A Literature Review of Mobile Payments in Sub-Saharan Africa. In: Dwivedi, Y., Ayaburi, E., Boateng, R., Effah, J. (eds) ICT Unbounded, Social Impact of Bright ICT Adoption. TDIT 2019. IFIP Advances in Information and Communication Technology, vol 558. Springer, Cham. https://doi.org/10.1007/978-3-030-20671-0_9

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