“Sweden is behind. The young population and the rapid urbanisation puts East Africa at the forefront.” This is a quote from an article in the Swedish business journal Veckans Affärer (“The Week’s Business) about mobile banking in Uganda, written by Isabelle Swahn. When interviewed, I argue that mobile money is definitely here to stay, that it will grow, and integrate even more with existing financial and public services. Demographics and contextual factors put East Africa at the forefront when it comes to mobile services, especially mobile banking. Sweden has a lot to learn from these developments. An argument for the East African operators to further push and develop mobile banking services is that they also function as a loyalty product to aid in retaining and acquiring new customers, i.e. a way to prevent churn and increase the revenue and ARPU.
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