M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany



Previous Part



We are moved by the idea to make the world of work more human - without constant pressure for efficiency, stress and fear. As Publisher Best of HR - Berufebilder.de® with podcast, eLearning-on-demand offers and news service we share 15 years of experience with our customers (Samsung, Otto, state institutions). By the Top20 female blogger and consultant Simone Janson, referenced in ARD, ZEIT, Wikipedia .
Disclosure & Image Rights: The airline Condor is our co-operative partner for various research trips. The Kenyan Tourist Board has taken over the cost of accommodation and food on a search to Kenya. Picture material created with a free provided camera of our sponsor Olympus. Picture material created with a free provided camera of our sponsor Olympus. , Picture Location: Mbirikani, Makutano, Kenya.

Anyone who travels to Kenya like I do will quickly notice how omnipresent mobile payment is by mobile phone. Unlike in Germany, where the introduction of the corresponding functions has been strongly controversial for years. Does Germany miss a trend that led to a small economic miracle in Kenya?

M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany M-PESA020

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - Podcast, PDF download, eCourse or personal advice

Here writes for you: Simone Janson is a publisher, German Top20 blogger and HR communication consultant. Profile

SMS payment NFC chip

Overview

The Kenyan mobile payment model is very simple, it works with SMS and with every mobile phone. Expensive smartphones do not need the users.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

In Germany, on the other hand, the industry relies on NFC technology, with which, however, far too few mobile phones are equipped. Also Apple's current iPhone does not have an NFC chip yet. The pain threshold for trading to introduce the necessary infrastructure lies with ridiculous 5% NFC-enabled mobile phone. And this threshold is not yet reached.

Germany: too many possibilities

Overview

The number in direct comparison to Kenya shows how much the Company in this country have to lower their expectations - and where the rabbit is in the pepper: There are too many competing payment systems, under which customers can choose.

This makes it difficult for companies to establish a standard and as a result, no one is willing to invest in the appropriate infrastructure.

The skepticism is great

Overview

In addition, there is the great skepticism with which the topic is addressed here: As I was able to experience at Omnicard, many companies see no future in mobile payment; and also if the customer has the plastic cards anyway.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

By the way, by the way, in the case of the doomsayers are the banks, perhaps also because they fear for their business - even if the Sparkasse has just started a pilot project for mobile payment.

Do not worry about data gagging

Overview

On the customer side, on the other hand, the security concerns, the well-known German fear: Who would like to trust in a smartphone in Germany all his life? To be honest, I am also skeptical.

However, the Kenyans I've talked to are not worried about this issue - even though Vodafone has in the past been struck by a somewhat peculiar notion of privacy and is also venturing far into net neutrality.

M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. GermanyM-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

The dilemma of saturated markets

Overview

Overall, the example of mobile payment is very clearly the dilemma of a saturated market in the industries. The discussion on mobile payment methods has been conducted on the Omnicard and elsewhere since 10 years, but only too small steps are taking place.

Because there is already a good infrastructure for financial services, there is no need to introduce new payment procedures. Because the customer always chooses the payment option that seems most practical to him.

Above all, the banks are blocking themselves

Overview

Mobile payment options are due to the associated high technical effort in Germany rather not. Therefore, the demand is missing and on the contrary, in view of the competition, there is still the danger of Verzetzlung. Therefore, the companies do not move and everything stays the same.

As it also shows on the Omnicard, it is above all the banks that lock themselves. Even if the savings banks have just launched a pilot project with which they want to implement mobile payment nationwide - one might suspect they are afraid to give their market leadership in money management to mobile operators, as is the case in Kenya.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Kenya: The pure need as an innovation driver

Overview

In Kenya, with its much poorer infrastructure, customers' willingness to innovate is much higher. At the same time, operators were forced to find a simple solution, such as paying via SMS, because more complex systems would not have worked: people simply have no money on expensive smartphones.

The mobile payment idea therefore fell on fertile ground and flourished magnificently. As is often the case, pure economic necessity becomes a driver of innovation, while saturated markets need to be careful not to be de-linked.

M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany M-PESA - Kenya's pioneering role in mobile payment: Kenya Vs. Germany

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - Podcast, PDF download, eCourse or personal advice

Overview


Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).

3,35 Book now


Listen to Podcast & Download MP3: You can listen to this text for free, as member even without annoying popup, or download the MP3 for a fee - Read usage rights, After the purchase page refresh, then you will find the download link here. Because we do not automatically submit the title of this podcast for privacy reasons: When buying in "interests" the title register if support is needed.

3,35 Book now


Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!

16,20 Book now


Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).

149,99 Book now


occupations pictures

You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our Privacy Policy.

  1. To follow debate on this post
  2. All debates follow
  3. Debates per eMail subscribe (add link here!)
  1. Taxforce

    That this article has not been commented yet, clearly shows that in Germany far too much is accepted as an alternative. Too few think about new ways. Here financial service providers could be hit, in which strong competition arises.

    • Simone Janson

      Hello Taxforce,
      that is precisely the point that the banks here want to secure their benefices. But also the concerns of the customers and eg of the retail trade are great: In many restaurants and even in the supermarket you can not pay with 5 or 10 euros with a card, because the company costs too much.

Post a Comment

Your email address will not be published. Required fields are marked with * .

JaI would like to be regularly informed about the latest promotions & offers Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.