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A prototype mobile money implementation in Nigeria

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dc.contributor.author Ayo, C.K.
dc.contributor.author Ukpere, W.I.
dc.contributor.author Oni, A.
dc.contributor.author Omote, U.
dc.contributor.author Akinsiku, D.
dc.date.accessioned 2012-10-29T07:55:56Z
dc.date.available 2012-10-29T07:55:56Z
dc.date.issued 2012
dc.identifier.citation Ayo, C.K. et al. 2012. A prototype mobile money implementation in Nigeria. African Journal of Business Management, 6(6): 2195-2201. en_US
dc.identifier.issn 1993-8233
dc.identifier.uri http://hdl.handle.net/10210/7933
dc.description.abstract Researchers have shown that majority of the populace in the developing nations are rural dwellers that do not have access to basic financial services and are poor. This class of people are peasant farmers and petty traders who rely mostly on remittances from their wards and relations in major cities and abroad to meet their financial obligations at home. The methods of remittances are encumbered with challenges. Mobile money is a tool that allows individuals to make financial transactions using mobile cell phones. Nigeria is one of the fastest growing telecoms nations of the world and the adoption of mobile money will help a great deal to solve the problems associated with remittances. In this paper, we present a short messages services (SMS) and unstructured supplementary service data (USSD) implementation of mobile money implementation in Nigeria modelled using Django and Python as the programming language, MySQL as the data store and Apache hypertext transfer protocol (HTTP) as the Web server. The system made comparative analysis with M-PESA implementation in Kenya: the first mobile money implantation in Africa. Furthermore, the system was tested among a selected few of the populace to evaluate the usability of the design. Findings revealed that the prototype implementation is user-friendly and can be used by all without many problems except for the illiterate populace; hence, the need to have a combined bank and agent-based implementation. This approach will help with time to reduce the number of unbanked populace, which is currently at 80%. en_US
dc.language.iso en en_US
dc.publisher Academic Journals en_US
dc.rights © Academic Journals, 2012. Available online at http://www.academicjournals.org/AJBM. DOI: 10.5897/AJBM11.2213 en_US
dc.subject Mobile money en_US
dc.subject Cellphone banking - Nigeria en_US
dc.title A prototype mobile money implementation in Nigeria en_US
dc.type Article en_US


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