The Regulation of Mobile Money Law and Practice in Sub-Saharan Afric
The emergence of mobile money and other new forms of payment has changed the sovereign foundations of money. Starting as a Department for International Development funded project in Kenya, mobile money has now spread to many developing countries. Th
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The Regulation of Mobile Money Law and Practice in Sub-Saharan Africa
Sunduzwayo Madise
Palgrave Macmillan Studies in Banking and Financial Institutions Series Editor Philip Molyneux University of Sharjah Sharjah, United Arab Emirates
The Palgrave Macmillan Studies in Banking and Financial Institutions series is international in orientation and includes studies of banking systems in particular countries or regions as well as contemporary themes such as Islamic Banking, Financial Exclusion, Mergers and Acquisitions, Risk Management, and IT in Banking. The books focus on research and practice and include up to date and innovative studies that cover issues which impact banking systems globally. More information about this series at http://www.palgrave.com/series/14678
Sunduzwayo Madise
The Regulation of Mobile Money Law and Practice in Sub-Saharan Africa
Sunduzwayo Madise University of Malawi Zomba, Malawi
ISSN 2523-336X ISSN 2523-3378 (electronic) Palgrave Macmillan Studies in Banking and Financial Institutions ISBN 978-3-030-13830-1 ISBN 978-3-030-13831-8 (eBook) https://doi.org/10.1007/978-3-030-13831-8 Library of Congress Control Number: 2019932925 © The Editor(s) (if applicable) and The Author(s), under exclusive licence to Springer Nature Switzerland AG 2019 This work is subject to copyright. All rights are solely and exclusively licensed by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, express or implied, with respect to the material contained herein or for any errors or omissions that may have been made. The publisher remains neutral with regard to jurisdictional claims in published maps and institutional affiliations. Cover illustration: Donald Iain Smith/Getty Images This Palgrave Macmillan imprint is published by the registered company Springer Nature Switzerland AG The registered company address is: Gewerbestrasse 11, 6330 Cham, Switzerland
Dedicated to my wife, Rhosalyn
Foreword
Mobile payments seem to be the future of finance. Banks and other financial and quasi-financial service providers are partnering with technology companies to allow consumers to transact using electronic gadgets within the confines of their homes or in
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