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This paper provides an evaluative framework that assesses the potential for mobile device-based payments (m-payments) in Africa. The framework is developed according to an analysis of the financial services environment and the drivers and constraints for change within a specific country context - Uganda. The paper draws upon secondary data from published surveys, as well as field research conducted by the author. The framework distinguishes between formal, informal and un-served market segments and the findings suggest that the potential for m-payments is differentiated according to existing levels of financial sector participation. Clients of formal or semi-formal sector institutions are likely to be the early beneficiaries of new m-payment services delivered by existing providers.
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