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Banking the Unbanked – The Case of Mobile Money in Nepal
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.).
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.).
2013 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesis
Abstract [en]

This thesis investigates ICT diffusion in the context of developing countries, morespecifically in the case of Mobile Money in the Asian country Nepal. Mobile Moneyhas recently emerged in Nepal and has the potential to improve the lives of millions.The aim of the thesis was to examine the dominant business models in Nepal and thebarriers and drivers for the future diffusion of Mobile Money in Nepal. This was donethrough a case study consisting of a field study in Nepal and an extensive literaturereview in the field of ICT diffusion and Mobile Money. Interviews with stakeholdersin the Mobile Money business ecosystem, observations and databases fromorganizations such as the World Bank were used as data sources. The results showthat there are both barriers and drivers for Mobile Money and that the attitudes ofinstitutions, in this case the central bank, have a high impact on diffusion.

The introduction of a technology into a new context was affirmed to be a complex,multi-dimensional process. However, in the case of Nepal, one of the solutions couldbe to improve institutional attitudes and make the regulations more accommodating.

Abstract [sv]

Detta examensarbete undersöker spridningen av informations- och kommunikationsteknik(ICT) i utvecklingsländer. Fallet som undersöks är ‘Mobile Money’ i Nepal.‘Mobile Money’ har nyligen introducerats i Nepal och har potentialen att förbättralivet för miljontals människor. Syftet med denna uppsats är att undersöka dedominerande affärsmodellerna i Nepal samt vilka drivkrafter och hinder det finns föratt ‘Mobile Money’ ska spridas inom landet. För att möta syftet genomfördes enfältstudie i Nepal tillsammans med en omfattande litteraturstudie inom ICT spridningoch ‘Mobile Money’. Intervjuer med intressenter inom ‘Mobile Money’,observationer samt information från databaser från t.ex. Världsbanken har använtssom datakällor. Resultaten av studien visar att det finns både hinder och drivkrafterför ‘Mobile Money’ i Nepal och att inställningen hos landets institutioner, i detta fallCentralbanken, har en stor påverkan på spridningen.

Införandet av teknik i en ny kontext, eller land i detta fall, visade sig vara en komplex,multidimensionell process. En lösning i Nepal skulle dock kunna vara att förbättraden institutionella attityden och göra regleringarna mer tillmötesgående.

Place, publisher, year, edition, pages
2013. , 90 p.
Examensarbete INDEK, 2013:99
Keyword [en]
ICT for Development, ICT Diffusion, Mobile Money, Nepal
Keyword [sv]
Informations- och kommunikationsteknik (ICT), ICT for Development, ICT spridning, ‘Mobile Money’, Nepal
National Category
URN: urn:nbn:se:kth:diva-125614OAI: diva2:640260
Subject / course
Industrial Economics and Management
Educational program
Master of Science in Engineering - Industrial Engineering and Management
2013-06-12, Sing-Sing, KTH, Lindstedsvägen 30, Stockholm, 10:05 (English)
Available from: 2013-08-14 Created: 2013-08-13 Last updated: 2013-08-14Bibliographically approved

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