A comparative Study for Mobile Payment in Sudan Case Study: M-PESA in Kenya

Abstract

No doubt that the spread of mobile phones has helped to provide a number of high-value services and modern technologies cover all spects of life and financial transactions, certainly the most common of which is the e-commerce, e-banking and payment services via mobile phone.The study investigated the possibility of the application of M-PESA system in Sudan in terms of technological development, legal and regulatory framework for electronic payment compared to Kenya. The study relied on personal interviews and questionnaire as survey tool to collect data then analyzed by (SPSS) and the key result of the study is the intention and desire of interviewees in the introduction of M-PESA service in Sudan. This can be achieved, provided a number of factors are med, including a slew of organized legislation to electronic payment and infrastructure of communication companies and the reduction that have occurred in transaction fees and the existence of agents for service in rural areas and the stability of the network and its expansion then remains the provision of training provided to users on the service. Those are the most important factors that emphasize the importance the introduction of (M -Pesa) service in Sudan. This study contributes to the body of knowledge relating to the communications infrastructure and e- payment as well as legislation and regulation areas regarding electronic mobile. Through the growing desire and intention of interviewees to use M-PESA and provide useful information for regulators, financial institutions and providers of electronic payment service via mobile, to enable them to develop and implement appropriate service for users of M-PESA strategies, which meets their expectations, and can lead in turn to increase the desire to use the M-PESA service.