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Trust and fidelity : from ‘under the mattress’ to the mobile phone

Williams, H.P. and Torma, Mailia (2007) Trust and fidelity : from ‘under the mattress’ to the mobile phone. In: The Transformational Potential of M-Transactions. Vodafone Policy Papers Series, 6 . Vodafone Group Plc, pp. 10-19. ISBN 9780955257827

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Abstract

Banks impoverish: “they eat your money” is a common expression in South Africa, highlighting the perception that many have of the inadequacy of the traditional banking services available to low income households. It is a view which is not unique to South Africa. This inadequacy and the relatively high costs of the services disenfranchises the poor. Across the developing world most individuals do not have bank accounts. In South Africa for example there are 16 m people without bank accounts (out of an adult population of 47.7m).2 The inadequacy of traditional banking services coupled with their limited geographical footprint means that low income households rely overwhelmingly on informal means to save their money; often in cash in their homes, or colloquially, “under the mattress”.

Item type: Book Section
ID code: 9576
Notes: To be ascertained.
Keywords: mobiles, financial services, ease of access, banking, economic and development impacts, mobile financial transaction systems, Commerce, Management. Industrial Management, Finance, Economics, Econometrics and Finance(all)
Subjects: Social Sciences > Commerce
Social Sciences > Industries. Land use. Labor > Management. Industrial Management
Social Sciences > Finance
Department: Strathclyde Business School > Management Science
Related URLs:
Depositing user: Strathprints Administrator
Date Deposited: 12 Mar 2010 15:06
Last modified: 10 Jul 2014 16:22
URI: http://strathprints.strath.ac.uk/id/eprint/9576

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