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Providing mobile money through mobile phones is a value added service offered through telecommunication companies. Its issuance involves both telecommunication and bank regulations. But for complaints about this service, the first avenue for redress is often the telecommunication company, if not the telecommunication regulator. In previous cases in the Philippines, complaints have often been raised to the telecommunication regulator, although upon further scrutiny, it was later seen as the concern of the Philippine Department of Trade and Industry. Resolving potential problems like these, especially in the context of using mobile money for m-commerce or for remitting money (Alampay & Bala 2009) is important for confidence to grow in its use and usage to expand.
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