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8/13/2019 6 Mesfin IMTFI Presentation
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MOBILE MONEY INFORMATION
SYSTEM ARCHITECTURE FOROPEN AIR MARKET
Woldamriam Mesfin
Addis Ababa University, Ethiopia,mesfinfw@gmail.com
4thIM!I "onference
#$ec %&', ()*(+
*
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-tline*. Introd-ction
(. elated wor/s
& Mobile payment architect-res
0. Methodology$ata 1 data collection
4. !indings
%. "oncl-sion2. 3et tas/s
(
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*. Introd-ction
The Situation
& !inancial service problem 1 development
of mobile technologies& Individ-als lin/ing their money practice to
mobile phones #Ma-rer ()*), 5ristof
()*)+
& $evelopment of -bi6-ito-s technology
& 7ocieties are becoming cashless
#8arcia&7wart9, :ahn, and ;ayne&!arrar, 0
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& $ictate money grad-ally becomes less
material#5ristof, ()*)+< #M-hammad ()**+< #E"$
())(+, #http=>>f-t-reofmoney.com+
& he need for personal I7 to manageeveryday money practice arise, #lsen,
:edman, and ?atrap-, ()*(+.
-t no s-ch framewor/s so far
#5rogstie et al.< ())4+, #ones and Marseden,
())2+, #Bari/h, ())'+ 4
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(. elated wor/s
Many attempts to address the iss-e offinancial services thro-gh=
AM and agent networ/s
Problem& AM not s-itable for sparsely pop-lated
r-ral people, re6-ires electricity
& Agent networ/s= have li6-idity problem #http=>>www*.ifc.org+ and, re6-ires
ubi!uitou telecom 7M7 infrastr-ct-re
%
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"-rrent mobile payment
architect-res
& e6-ires merchants and c-stomers to
have ban/ acco-nts, #5-mar et al.< ()*)+,
#?ilamos and 5arno-s/os, ())0+, #ritto et
al.< ())C+, #8-o, ())C+ and #"handrahas
et al.< ()**+
& $eveloped in the contet of developed
co-ntries
2
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ottlenec/s in developing co-ntries ;ow practice and service of ban/ acco-nt based
transaction, #AbhiDit and Esther, ())'+,#-therford, *+, #$-ncome and oateng,())+, # 5ristof , ()*)+, #"ollins et al, ())+.
!re6-ent interr-ption of telecom services, #nosignals and services at -ndergro-nd b-ildings,d-ring national and religio-s holidays #networ/congestions+, which ma/e 7M7 based
payments to be impractical. 7M7 based payment architect-re is also not
appropriate for micro payments, #8-o, ())C+.Imagine 0% cent 7M7 service charge to pay %)
cent '
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esearch F-estion
h-s, it is important to research and loo/for U7E "E3EE$ A":IE"UE
If money is digital (mobile money), whathas to be the characteristic nature ofmobile money information system
architecture (functionalities) in the contextof illiterate rural communities who transactin the open air market?
C
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0. Methodology
2% million Ethiopians live in r-ral areas
hey transact in open air mar/et
$ata is collected from 4 different sitesfrom 7eptember G 3ovember ()*(
bservation, interview, and disc-ssions
were -sed to gather the data $ifferent mar/et segments were
considered li/e=
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Mar/et places st-died
!r-its 1 vegetables
"ereals
"lothes 7pecies
7heep 1 goats, oen and cows.
*)
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espondent Brofiles
#thro-gh random selection+
$ifferent religions $ifferent age #*2&%+ years old
$ifferent ed-cational level #) grade G A+
-siness eperience #).% G 0) +years
**
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4. !indings
*(
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4.*. "-rrency identification thro-gh
color, si9e, and pict-res on them
*0
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"#$# Ho% Mer&hant Or'ani(e
Themel)e
*4
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*%
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*2
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"#*# Common mita+e , error
mer&hant ma+e
*'
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& 3o 6-e-ing of c-stomers
& Items are not prepac/aged
h-s d-ring b-sy times=
Merchants are not s-re who has paid
them and who did not,
:ow m-ch money was received and
whether changes were made or not,
B-t sales of an item into the wrong bag "-stomers are not willing to accept old
money #for change+,
*C
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Eample of an old money that a
c-stomer ref-sed to accept
*
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"ash can get lost by wind
Money can stic/ together and be co-nted as
one
!orgery money notes and -nable to
differentiate
;ac/ of changes #d-ring transaction+
()
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:ow they solve some of these
problemsH
$isagreements between merchants and
c-stomers regarding how m-ch was
accepted, whether changes were made or
not is resolved by as/ing people aro-nd,
ac/ tracing #confessing how m-ch they
have when they are coming+
(*
" " F t - t t . t l
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"#"# Feature o- automate. tool
that mer&hant %oul. li+e to
ha)e/ i- an0A device that is capable of= Brotect their money from thefts,
o handle money easily, Able to identify the profit 1 lose from each
item categories, identify cheaters,
hat can tell balance by so-nd, $o financial mathematics #sales, costs,
profit 1 lose, changes+
((
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A device that able to tell when ma/ing
mista/es, can be integrated with mobile
phones for alerting p-rpose,
A device that is capable of co-nting money
(0
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"heap, d-rable, easy to carry on, and
operates by so-nd,
Able to generate changes for transaction,
hat can detect people who has not paid,
how m-ch they paid, and detect cheaters, Able to detect errors and mista/es thro-gh
so-nd,
hat cannot be stolen, even if stolen,money sho-ld be inaccessible to thefts and
send signal abo-t its location to their cell
phone.(4
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Pra&ti&e an. 1roblem o- mar+et
ai'nment
#b-yers perspective+
$elegating one another
Illiterates /eep separately, even the
changes
elatively ed-cated people /eep a note of
it and aggregate with their personal money
Appears to be l-mp s-m of money andattracts thefts and b-rglars
(%
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Brice negotiations
7ee the video
ral ?s "ash offers
(2
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%. "oncl-sion
Botential architect-ral design concepts are
identified.
!-rther research insight is re6-ired
regarding the -ormat 2tru&ture3 of
digital c-rrencies
('
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2. 3et tas/s
7ome more field st-dy #different contets+
o identify some more design concepts
Map those concepts into architect-ral
design
(C
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han/ yo-
F-estions
7-ggestions, and
"omments are welcome
mesfinfw@gmail.com
(
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