ABSTRACT

With this explorative research, we investigate if and how farmers in Rwanda adopt mobile money, or m-money, and integrate it into their everyday life to foster their economic development and social well-being. To this end, we adapt a domestication perspective and base our research on qualitative evidence from 72 semi-structured interviews with farmers in rural Rwanda. Our findings reveal that – where available – Rwandan farmers continuously domesticate m-money. While they acknowledge the convenience of using m-money, they experience three major inhibitors that particularly affect its use for business: (1) limited opportunities for learning about m-money, (2) high and non-transparent costs, and (3) barely accessible network agents with insufficient liquidity. Based on our findings, we discuss how policymakers and service providers can increase the adoption of m-money among farmers, thereby reducing social exclusion of the unbanked and fostering economic growth in Rwanda and other emerging economies.

摘要

通过这项探索性研究，我们调查卢旺达的农民是否以及如何采用移动货币或移动货币，并将其融入日常生活，以促进经济发展和社会福祉。为此，我们采用驯化视角，并根据对卢旺达农村农民进行的 72 次半结构化访谈的定性证据进行研究。我们的研究结果表明，在可行的情况下，卢旺达农民不断驯化移动货币。虽然他们承认使用移动货币的便利性，但他们遇到了三个主要影响其业务使用的主要障碍：(1) 了解移动货币的机会有限，(2) 成本高且不透明，以及 (3)流动性不足的几乎无法访问的网络代理。根据我们的发现，