Mobile money adoption in rural Rwanda: A domestication perspective

IF 1.2 Q4 MANAGEMENT

Africa Journal of Management Pub Date : 2021-04-03 DOI:10.1080/23322373.2021.1902209

Marthe Uwamariya, C. Loebbecke, Stefan Cremer

引用次数: 1

Abstract

ABSTRACT With this explorative research, we investigate if and how farmers in Rwanda adopt mobile money, or m-money, and integrate it into their everyday life to foster their economic development and social well-being. To this end, we adapt a domestication perspective and base our research on qualitative evidence from 72 semi-structured interviews with farmers in rural Rwanda. Our findings reveal that – where available – Rwandan farmers continuously domesticate m-money. While they acknowledge the convenience of using m-money, they experience three major inhibitors that particularly affect its use for business: (1) limited opportunities for learning about m-money, (2) high and non-transparent costs, and (3) barely accessible network agents with insufficient liquidity. Based on our findings, we discuss how policymakers and service providers can increase the adoption of m-money among farmers, thereby reducing social exclusion of the unbanked and fostering economic growth in Rwanda and other emerging economies.

查看原文本刊更多论文

移动货币在卢旺达农村的应用:一个驯化的视角

摘要通过这项探索性研究，我们调查了卢旺达农民是否以及如何使用移动货币，并将其融入日常生活，以促进他们的经济发展和社会福祉。为此，我们采用了驯化的观点，并基于对卢旺达农村农民的72次半结构化访谈中的定性证据进行了研究。我们的研究结果表明，在可能的情况下，卢旺达农民不断将流动资金本土化。虽然他们承认使用移动货币的便利性，但他们遇到了三个主要的阻碍因素，这三个因素特别影响其在商业中的使用：（1）学习移动货币的机会有限，（2）高昂且不透明的成本，以及（3）流动性不足、几乎无法访问的网络代理。根据我们的研究结果，我们讨论了政策制定者和服务提供商如何增加农民对移动货币的采用，从而减少对无银行账户者的社会排斥，并促进卢旺达和其他新兴经济体的经济增长。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

求助全文

约1分钟内获得全文求助全文

来源期刊

Africa Journal of Management Business, Management and Accounting-Business and International Management

CiteScore

2.80

自引率

15.40%

发文量

期刊介绍： The beginning of the Twenty First Century has witnessed Africa’s rise and progress as one of the fastest growing and most promising regions of the world. At the same time, serious challenges remain. To sustain and speed up momentum, avoid reversal, and deal effectively with emerging challenges and opportunities, Africa needs better management scholarship, education and practice. The purpose of the Africa Journal of Management (AJOM) is to advance management theory, research, education, practice and service in Africa by promoting the production and dissemination of high quality and relevant manuscripts. AJOM is committed to publishing original, rigorous, scholarly empirical and theoretical research papers, which demonstrate clear understanding of the management literature and draw on Africa’s local indigenous knowledge, wisdom and current realities. As the first scholarly journal of the Africa Academy of Management (AFAM), AJOM gives voice to all those who are committed to advancing management scholarship, education and practice in or about Africa, for the benefit of all of Africa. AJOM welcomes manuscripts that develop, test, replicate or validate management theories, tools and methods with Africa as the starting point. The journal is open to a wide range of quality, evidence-based methodological approaches and methods that “link” “Western” management theories with Africa’s indigenous knowledge systems, methods and practice. We are particularly interested in manuscripts which address Africa’s most important development needs, challenges and opportunities as well as the big management questions of the day. We are interested in research papers which address issues of ethical conduct in different African settings.