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Author Topic: Essay: Mobile and Peer-to-Peer Banking  (Read 749 times)
prophetx
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September 02, 2013, 10:24:12 AM
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more of an academic paper, but something i wrote up recently that looks at mobile and p2p banking from the percepective of disruption theory

https://docs.google.com/document/d/1sX8WZq-BMiz75Er8C_dtrWWCgxOIoyWR6nyzrcIx4kw/pub

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September 02, 2013, 10:32:20 AM
 #2

more of an academic paper, but something i wrote up recently that looks at mobile and p2p banking from the percepective of disruption theory

https://docs.google.com/document/d/1sX8WZq-BMiz75Er8C_dtrWWCgxOIoyWR6nyzrcIx4kw/pub

Nice writeup.
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September 02, 2013, 10:42:43 AM
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nice one prophetx , definitely interested in seeing how bitcoin and mobile payments come together, in particular in Africa.   Cheesy
has the M-pesa system run into any regulation problems?

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September 02, 2013, 11:37:56 AM
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nice one prophetx , definitely interested in seeing how bitcoin and mobile payments come together, in particular in Africa.   Cheesy
has the M-pesa system run into any regulation problems?


from what I can tell, and i definitely need to do a bit more reading up on it, there is some sort of tax on mpesa transaction fees as of last year, and apparently the gov't is a partial owner, which i was not aware of previously.  so it seems the govt just sees it as another revenue stream.

http://www.humanipo.com/news/1782/kenyas-treasury-to-tax-m-pesa-transactions/

http://www.economist.com/news/finance-and-economics/21579870-east-african-governments-are-targeting-telecoms-firms-charging-mobile.

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September 02, 2013, 11:44:04 AM
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Very interesting read. I learned a lot about mobile transactions. Thanks!
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September 02, 2013, 02:17:19 PM
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nice one prophetx , definitely interested in seeing how bitcoin and mobile payments come together, in particular in Africa.   Cheesy
has the M-pesa system run into any regulation problems?


from what I can tell, and i definitely need to do a bit more reading up on it, there is some sort of tax on mpesa transaction fees as of last year, and apparently the gov't is a partial owner, which i was not aware of previously.  so it seems the govt just sees it as another revenue stream.

http://www.humanipo.com/news/1782/kenyas-treasury-to-tax-m-pesa-transactions/

http://www.economist.com/news/finance-and-economics/21579870-east-african-governments-are-targeting-telecoms-firms-charging-mobile.

I need to do more reading on this too (and maybe some youtubing as I want to see M-pesa in action, understand the process.

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prophetx
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September 02, 2013, 06:31:05 PM
 #7

nice one prophetx , definitely interested in seeing how bitcoin and mobile payments come together, in particular in Africa.   Cheesy
has the M-pesa system run into any regulation problems?


from what I can tell, and i definitely need to do a bit more reading up on it, there is some sort of tax on mpesa transaction fees as of last year, and apparently the gov't is a partial owner, which i was not aware of previously.  so it seems the govt just sees it as another revenue stream.

http://www.humanipo.com/news/1782/kenyas-treasury-to-tax-m-pesa-transactions/

http://www.economist.com/news/finance-and-economics/21579870-east-african-governments-are-targeting-telecoms-firms-charging-mobile.

I need to do more reading on this too (and maybe some youtubing as I want to see M-pesa in action, understand the process.

i have a a Nigerian friend who has worked in the banking industry in his country who just finished his masters thesis on mpesa, I will try to see if I can obtain a copy.

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September 03, 2013, 03:39:42 AM
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i have a a Nigerian friend who has worked in the banking industry in his country who just finished his masters thesis on mpesa, I will try to see if I can obtain a copy.

that would be great, there is so many countries that could benefit with a vehicle like mpesa in conjunction with bitcoin.

Smiley

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