While there is now broad consensus that innovation is a key driver of productivity growth,
debates about the state's role in promoting innovation remain polarised between two …

The literature shows that electronic payments are key to improving financial inclusion and
achieving global development goals such as the United Nation's United Nation's (UNs) …

This article explores the recent failure of an elaborate biometric registration scheme, the
National Digital Registry System (NDRS), in Kenya. The article shows that the Kenyan and …

Recent years have seen a rapid proliferation of digital instant payment systems. The value of
mobile money transactions in Africa stood at $701.4 billion in 2021, which is 70% of the …

We analyze the competition issues in mobile money in Kenya–where Safaricom is the
market leader–and in Uganda: where the market is duopolistic. We evaluate the multi-sided …

Abstract Mobile Money Transfer (MMT) is a fast growing medium of making financial
transactions via a mobile device. It is increasingly becoming adopted in growing markets …

This article uses a" digital complexity ecosystem" framing to delineate the challenges facing
regulation of the digital economy in the Southern African Development Community (SADC) …

This background report looks at tax implications for those providing and using digital
financial services (DFS), and gives general observations as to whether DFS in Africa are …

Abstract The advent of Mobile Value-Added Services (VAS) has witnessed widespread
adoption in developing regions, notably within East Africa. This surge is attributed to …

BACKGROUND Mobile money has been a fast-growing phenomenon in developing
countries around the world but particularly in East Africa. For instance, in Kenya, in 2017 …