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Technology Inequality: Opportunities and Challenges for Mobile Financial Services

Topic :

This study investigates existing and evolving technologies in MFS systems: mobile data “bearer” technologies, access platforms and user devices. The author unpacks the issues surrounding policy, pricing of bearer services, network access coverage, cost of devices, evolution of consumer-facing technology designs, security challenges, type and quality of devices being used, and the usability of various access devices. The report is meant to motivate providers, vendors and regulators to improve upon existing devices, system security and the regulatory environment as it affects the ability of BoP customers to access and use MFS effectively. It seeks to generate a discussion on the technical and related challenges faced by the MFS ecosystem and to spark action to solve these key challenges.

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