加密货币在塑造赞比亚卢萨卡移动货币服务未来中的作用。

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Andrew Mweemba Nyika
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引用次数: 0

摘要

目的:本研究对加密货币和移动货币服务之间的交集进行了全面的探索,特别是在赞比亚的背景下。该研究阐明了将加密货币与移动货币服务相结合的潜力和挑战,为现有的知识体系做出了新的贡献。研究方法:利用描述性和推断性统计数据,该研究揭示了加密货币的使用与移动货币交易的数量和频率之间存在中等强的正相关关系。然而,它也指出了采用加密货币的重大障碍,包括缺乏用户意识、安全问题、监管模糊以及加密货币的波动性。通过主题、内容和比较分析,该研究强调了与加密货币整合相关的监管挑战、安全风险增加以及遵守反洗钱(AML)和了解你的客户(KYC)法规的额外负担。此外,该研究还确定了区块链技术对现有移动货币系统的潜在破坏,以及它所需要的重大基础设施投资和监管适应。对理论、政策和实践的独特贡献:该研究提出了两种策略,以协调赞比亚移动货币服务和加密货币的监管框架:制定与现有移动货币规则一致的加密货币的具体法规或指导方针,以及建立一个单独的监管框架,以解决加密货币的独特特征。该研究强调了区块链技术的变革潜力,以及用户视角和区域变量在整合过程中的重要性,为研究人员、政策制定者和从业者提供了有价值的见解。该研究强调了采取响应性方法、持续审查和更新监管框架的必要性,强调了消费者保护、市场稳定和促进创新。虽然该研究证实了加密货币提供增强移动货币服务的有希望的机会,但它也强调了仔细考虑潜在不利影响的必要性。鼓励未来的研究继续探索这一快速发展的领域,扩大地理范围,并关注用户教育和健壮的安全措施。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Role of Cryptocurrencies in Shaping the Future of Mobile Money Services in Lusaka, Zambia.
Purpose: This research provides a comprehensive exploration of the intersection between cryptocurrencies and mobile money services, particularly in the Zambian context. The study illuminates both the potential and the challenges of integrating cryptocurrencies with mobile money services, providing a novel contribution to the existing body of knowledge. Methodology: Utilizing descriptive and inferential statistics, the study reveals a moderately strong positive correlation between cryptocurrency usage and both the volume and frequency of mobile money transactions. However, it also identifies significant barriers to adoption, including a lack of user awareness, security concerns, regulatory ambiguity, and the volatility of cryptocurrencies. Findings Through thematic, content, and comparative analysis, the study underscores the regulatory challenges, increased security risks, and the added burdens of compliance with anti-money laundering (AML) and know-your-customer (KYC) regulations associated with the integration of cryptocurrencies. Moreover, the research identifies the potential disruption of existing mobile money systems by blockchain technology and the significant infrastructural investments and regulatory adaptation that it necessitates. Unique contribution to theory, policy and practice: The research proposes two strategies for aligning the regulatory frameworks for mobile money services and cryptocurrencies in Zambia: development of specific regulations or guidelines for cryptocurrencies that align with existing mobile money rules, and establishment of a separate regulatory framework that addresses the unique characteristics of cryptocurrencies. In highlighting the transformative potential of blockchain technology and the importance of user perspectives and regional variables in the integration process, the study offers valuable insights for researchers, policymakers, and practitioners. The research underscores the necessity for a responsive approach, continuous review, and update of regulatory frameworks, emphasizing consumer protection, market stability, and the promotion of innovation. While the research confirms the promising opportunities, cryptocurrencies offer to enhance mobile money services, it also emphasizes the need for careful consideration of potential adverse effects. Future research is encouraged to continue exploring this rapidly evolving field, broadening the geographical scope, and focusing on user education and robust security measures.
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来源期刊
CiteScore
5.70
自引率
6.90%
发文量
143
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