Factors Influencing The Launch Of Mobile Banking In South Africa
FACTORS INFLUENCING THE UPTAKE OF MOBILE BANKINGIN DEVELOPING COUNTRIES: A CASE STUDY OF M-PESA IN SOUTH AFRICA:
The case study is mainly focused on the introduction of mobile banking in African continent, mainly two major countries; Kenya and South Africa. The Launch of M-Pesa, as it is popularly termed in African countries for Mobile Money, is the provision of mobile financial services, payment services and banking on small scale. This paper studies the market the market of these regions with respect to the introduction of these services, the customer base that it has, the popularity it is getting in these unbanked areas, the services it provides and the future of this sector of economy which is still in the development phase. It is discussed
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However, the results for the two launches have been very different in almost every way and this service did not get much acceptance and popularity in South Africa as much as in Kenya, for the reasons studied and explained in this case study. Another differentiating factor is that its launch in South Africa though had the same model but was done in partnership with a bank as mentioned. This and many other factors that led to the differences have been studied and discussed in the report and solutions to remarket the service in parts of these regions have also been suggested likewise.
The main hindering factors which are majorly seen are the social and economic factors affecting in three primary concerns; the consumer reach and the way they have been reached, lack of two way communication and disability in educating the customers and the complicated set of regulation in South Africa hampering the growth of this
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Capricorn, in the province of Limpopo, is a farm area and has one of the highest numbers of people who have come from other areas to work there. The area has one of the highest deposits made in the beginning of the research. On the other hand, Nkandla region, one of the poorest and next to the majority unemployed population experienced highest number of cash withdrawals made. So this shows specifically, that the deposits are greater in the regions with good employment opportunities mainly the urban areas while withdrawals are greater in areas with less economic activity, mainly the rural
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