Mobile phone penetration has made life much easier in many ways. An important example is the increasing use of electronic money transfer through mobile networks, which seeks to connect those earning less than $2 a day to the financial system. This paper explores the effect of competition and service quality on the demand for mobile money. Karthik Balasubramanian and David Drake find that stockout rate as well as agent expertise serve as crucial competitive dimensions, while pricing transparency has a direct effect on demand.

Title: Mobile Money: The Effect of Service Quality and Competition on Demand

Source: Social Science Research Network