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Mobile money, and indeed microfinance generally, seems to generate strong opinions.
After giving a presentation about mobile money in Haiti at the MoneyLab conference
in March 2014, an audience member asked me a loaded question that stopped me
in my tracks. ‘But according to what I’ve read, mobile money has pretty much failed
everywhere,’ he said, ‘Do you think that’s true for Haiti?’
My mind flashed back to a thousand memories from my fieldwork in Haiti: women receiving
conditional cash payments from Mercy Corps via Voilá’s mobile money service;
T-Cash, in Saint Marc; vendors paying the rent on their market stalls in Port-au-Prince
via Digicel’s TchoTcho Mobil; my friend and assistant Emmanuel, who lives on the
Dominican side of the border with Haiti, receiving money from his cousin to pay her
Sky television bill; many others who use their mobile money accounts as a safe place
to store cash.
How do you judge the success of mobile money? Success according to whom? In a
conference about financial alternatives, ‘success’ is a slippery subject. It might mean
rapid uptake, giving millions of users access to formal financial tools for the first time.
But it could also mean the exact opposite: mobile money is a way of incorporating
people into the formal global financial system, and many people at this conference
were present to discuss ways of opting out of this very system.
Descrição
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Sistema financeiro Comércio electrónico Economia global
Contexto Educativo
Citação
Taylor, E. B. (2015). Mobile Money: Financial Globalization, Alternative, or Both? . In Geert Lovink, Nathaniel Tkacz, and Patricia de Vries (Eds.), MoneyLab Reader: An Intervention in Digital Economy, Amsterdam: Institute of Network Cultures, pp. 244-256. ISBN: 978-90-822345-5-8. Retrived from: http://networkcultures.org/wp-content/uploads/2015/04/MoneyLab_reader.pdf