Abstract
ABSTRACTNationwide adoption of mobile payment (m-payment) has been a key driver for the socio-economic development in emerging markets. The Rwandan m-payment adoption lags behind the one in neighboring Kenya and its own ambition. This explorative study examines the factors that could enhance m-payment adoption in Rwanda. We extend the Technological, Organizational, and Environmental (TOE) framework (Tornatzky, L., & Fleischer, M. (1990). The process of technology innovation. Lexington, MA: Lexington Books) and apply it first to Kenya’s success story of M-Pesa and then to Rwanda’s main m-payment service. Based on our analysis, we determine several anchor points where Rwanda – to improve its economic situation and national welfare – could learn from M-Pesa. Further, we offer country-specific recommendations to enhance Rwanda’s national welfare via m-payment adoption also among the formerly unbanked population.
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