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Early Adopter

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new media, television, web tv, business

Mobila pengar - hur mikrobetalningar är framtiden i Kenya

Var på resa i Kenya för att spela in en dokumentärfilm. Jag kunde inte undgå alla de små stånden som var målade i grönt med orden Mpesa på. Mpesa betyder mobila pengar. Det är ett system där det går att föra över pengar med hjälp av mobiltelefonen till vänner, affärer, taxichaufförer med mera. Genom att deponera pengar i en kiosk till sin mobilnummer kan man sedan betala till en person som har mpesa konto, eller kan de håämta ut pengar i ett mpesa stånd med instruktioner från ett SMS. Systemet har funnits i arton månader och startades av Safaricom. De senaste månaderna har det spridit sig som en löpeld då alla insett hur praktiskt det är att slippa hantera cash.

 

Mpesa kiosk i Kenya

Mpesa kiosk i Kenya

 

 

Mpesas affärsmodell är att ta betalt per transaktion. Kiosken tar en viss procent och operatören en del. Systemet har redan exporterats till andra länder.
Det visar även att utvecklingsländer kan ta till sig modern teknologi och skapa nya applikationer.

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