Når så mange – også fattige – bruger mobilen som betalingsværktøj, bør det få konsekvenser og landene i hele den østafrikanske region må samstemme deres regler, så udviklingen kan fortsætte, anbefaler et nyt studie fra UNCTAD.
GENEVA, 15 June 2012: With mobile money – the use of cell phones for money transfers and payments – increasingly popular in East Africa, a new report from the United Nations trade agency calls for region-wide rules to coordinate and harmonize regulations.
“Governments in the region need to address issues relating to telecommunications and financial regulation to ensure that mobile money services bring the desired broad benefits, especially to the poor,” the UN Conference on Trade and Development (UNCTAD) said in a news release about its report Friday.
The report, “Mobile Money for Business Development in the East African Community: A Comparative Study of Existing Platforms and Regulations”, focuses on the East African Community (EAC). The EAC is a world leader in offering mobile money services and hosts more than one quarter of all known such systems in Africa.
Each month, more than half a billion dollars are transferred in East Africa through the use of cell-phones, according to UNCTAD.
The practice is burgeoning in developing regions where traditional banks and banking activities are in short supply, and most people lack access to financial services taken for granted in industrialized countries, the agency said.
UNCTAD adds that mobile telephones offer a practical channel for obtaining these services, including sophisticated financial activities such as credit, savings, and insurance.
According to the GSM Association, which tracks mobile money deployments around the world, some 130 mobile money systems have been implemented since March 2012 – Africa has taken the lead in mobile money implementation, with about 60 mobile money services already in place, more than a quarter of which are in the EAC.
M-Pesa, operated by Safaricom of Kenya, is currently the most popular platform. It has 15 million active customers who transfer an estimated 658 million US dollar every month.
The rapid growth in mobile money services has added urgency to the need for an effective and robust legal and regulatory framework, UNCTAD said, noting that the successful growth of mobile money will require heightened coordination and cooperation across various regulatory and market sectors, such as telecommunications, banking and electronic commerce.
Building consumer confidence and trust in the systems is also essential, UNCTAD highlights in its report, with steps needed to address concerns related to consumer protection, registration and transaction limits, regulatory collaboration and the interconnection between telecommunication networks.
Established in 1964 as a permanent intergovernmental body, UNCTAD is the principal organ of the UN General Assembly dealing with trade, investment, and development issues.
The organization’s goals are to maximize the opportunities in developing countries, and assist them in their efforts to integrate into the world economy on an equitable basis.
Kilde: FNs Nyhedstjeneste
Hele UNCTADs mobil-studie kan ses på
http://unctad.org/en/PublicationsLibrary/dtlstict2012d2_en.pdf
