Mobile Money: Implications for Emerging Markets

Developing countries lack effective infrastructure: transportation, telecommunications, financial systems, etc. The positive economic impact of the improved telecommunications infrastructure has been demonstrated. The ability of microfinance has been shown to stimulate and enhance economic activity. Now a hybrid of the technologies has begun to emerge: mobile money. The ubiquity of cell phone service, coupled with the notion of microfinance offers the possibility of service in remote areas of a country where it would be otherwise economically unsustainable to provide banking services. Mobile money has all of the attributes of money including store of value and medium of exchange. This paper addresses the economics and policy issues of mobile money: What are the economics of mobile money? What policy issues does it raise? Is it a threat to the traditional banking system? How should it be regulated? What can we learn from the microfinance literature? Do we have empirical evidence of its impact on growth and development?Competition, economic dynamics, neoclassical economics, pricing policy, regulation.

Mobile learning: what exactly is it? Report from MMIT's mobile learning conference

As library and information professionals, we are continually being asked to support ‘mobile learning’. But what exactly does that mean? Who are these mobile learners? What do they do? What do they need us to do

Ageing and international capital flows

Ageing will have an impact on both savings and investment, potentially leading to substantial international capital flows. This CPB Document provides a comprehensive overview, by considering various questions. What are the differences in the demographic process of ageing across countries? Does ageing lead to a capital outflow? How mobile is capital? What are the effects of a lower rate of return on (pension) savings?

ID unknown? You must be from UNAUSTRALIA: Exploring the significance of the mobile phone to Australian identity

This paper investigates and analyses the significance of mobile phone communication to an Australian identity. Mobile phones are now ubiquitous in Australia, so is it UNAUSTRALIAN to not own a mobile phone? To what extent is Australian citizenship now connected to the ownership and use of a mobile phone for communication in everyday life? Without a mobile phone does one lack access to an Australian identity? Do you live in UNAUSTRALIA if you do not own a mobile phone? Are you invisible in Australia without a mobile phone? Are you able to exert cultural and social agency without one? What does your choice not to own a mobile phone mean?This study examines the discursive processes of communication in which the mobile phone is used. It then links this use to the broader socio-cultural constructions of the mobile phone and Australianness. It analyses how discourse is part of a generative process in the lives and practices of young Australian adults and outlines how a mobile phone is the mechanism of agency as we use the mobile phone to construct our identity and engage with the wider world. Conversely the mobile phone constructs who we can be. How does being Australian influence the function, context of use, and the processes of communication via a mobile phone

The walking library: mobilising books, places, readers and reading

The Walking Library, inaugurated in 2012, has functioned as a mobile laboratory and art project for the ongoing exploration of the relationships between environments, books, reading and writing. In this essay, our focus turns to The Walking Library’s function as a library, asking: ‘What sort of library is a walking library? What does a walking library do—for its books and its borrowers and the places through which it moves? And what can it reveal or teach us about libraries, books, reading and environment?’ In a context in which data has become ‘mobile’, we explore the mobility of physical books through the Walking Library’s social and architextural designs and structures. The book on the move is recognised as the material of social bonding. The Walking Library depends upon and promotes the mobility of books through social networks by gifting, lending, borrowing and sharing; it is the social capacity—the social capital—of The Walking Library, and of walking and reading together, which concerns us most here. The Walking Library has offered temporary spaces for sociality, for shared contemplation, poetic spatiality and kinaesthetic comprehension. In doing so, it has generated a heightened sense of books’ sociability, spatiality and mobility through a stronger understanding of the inter-dependencies of reading, walking, time and place

VIRTUALLY PRESENT: AN ETHNOGRAPHY OF COMMUNICATION LOOK AT THE SHAPING OF SOCIAL RULES IN SMALL GROUP INTERACTIONS MEDIATED BY MOBILE DEVICES

In this study I describe the communication rules that inform how particular bar patrons use mobile device technologies to shape particular types of small groups. Mobile devices have increasing been naturalized into the communicative landscape and the effects of this need to be explored. I focus on a college bar, MVF, to answer the following research questions: (1) What are the sets of rules surrounding mobile device use in small groups at MVF during late afternoons and evenings? (2) What are meaning(s) users and other group members attribute to the use of mobile devices at MVF during late afternoons and evenings? (3) What particular type of small group does the use of mobile device technology enable and mediate? I argue that mobile device technologies enable and mediate the presence of three types of social groups, specifically, suspended groups,\u27 \u27procured groups,\u27 and \u27transitory groups.\u2

An empirical analysis ofcompetition, privatization, and regulation in telecommunications markets in Africa and Latin America

The author explores the effects of privatization, competition, and regulation on telecommunications performance in 30 African and Latin American countries from 1984 to 1997. Competition is associated with tangible benefits in terms of mainline penetration, number of pay phones, connection capacity, and reduced prices. Fixed-effects regressions reveal that competition - measured by mobile operators not owned by the incumbent telecommunications provider - is correlated with increases in the per capita number of mainlines, pay phones, and connection capacity, and with decreases in the price of local calls. Privatizing an incumbent is negatively correlated with mainline penetration and connection capacity. Privatization combined with regulation by an independent regulator, however, is positively correlated with connection capacity and substantially mitigates privatization's negative correlation with mainline penetration. Reformers are right to emphasize a combination of privatization, competition, and regulation. But researchers must explore the permutations of regulation: What type of regulation do countries adopt (price caps versus cost-of-service, for example)? How does the regulatory agency work? What is the annual budget? How many employees does it have? Where do regulators come from? What sort of training and experience do they have? What enforcement powers does the regulatory agency have? In addition, researchers must deal with endogeneity of privatization, competition, and regulation to deal with issues of casualty.Economic Theory&Research,Environmental Economics&Policies,ICT Policy and Strategies,Trade Finance and Investment,International Terrorism&Counterterrorism,Knowledge Economy,Economic Theory&Research,Education for the Knowledge Economy,ICT Policy and Strategies,Environmental Economics&Policies

Mobility is the Message: Experiments with Mobile Media Sharing

This thesis explores new mobile media sharing applications by building, deploying, and studying their use. While we share media in many different ways both on the web and on mobile phones, there are few ways of sharing media with people physically near us. Studied were three designed and built systems: Push!Music, Columbus, and Portrait Catalog, as well as a fourth commercially available system – Foursquare. This thesis offers four contributions: First, it explores the design space of co-present media sharing of four test systems. Second, through user studies of these systems it reports on how these come to be used. Third, it explores new ways of conducting trials as the technical mobile landscape has changed. Last, we look at how the technical solutions demonstrate different lines of thinking from how similar solutions might look today. Through a Human-Computer Interaction methodology of design, build, and study, we look at systems through the eyes of embodied interaction and examine how the systems come to be in use. Using Goffman’s understanding of social order, we see how these mobile media sharing systems allow people to actively present themselves through these media. In turn, using McLuhan’s way of understanding media, we reflect on how these new systems enable a new type of medium distinct from the web centric media, and how this relates directly to mobility. While media sharing is something that takes place everywhere in western society, it is still tied to the way media is shared through computers. Although often mobile, they do not consider the mobile settings. The systems in this thesis treat mobility as an opportunity for design. It is still left to see how this mobile media sharing will come to present itself in people’s everyday life, and when it does, how we will come to understand it and how it will transform society as a medium distinct from those before. This thesis gives a glimpse at what this future will look like

Dialogue with computers: dialogue games in action

With the advent of digital personal assistants for mobile devices, systems that are marketed as engaging in (spoken) dialogue have reached a wider public than ever before. For a student of dialogue, this raises the question to what extent such systems are genuine dialogue partners. In order to address this question, this study proposes to use the concept of a dialogue game as an analytical tool. Thus, we reframe the question as asking for the dialogue games that such systems play. Our analysis, as applied to a number of landmark systems and illustrated with dialogue extracts, leads to a fine-grained classification of such systems. Drawing on this analysis, we propose that the uptake of future generations of more powerful dialogue systems will depend on whether they are self-validating. A self-validating dialogue system can not only talk and do things, but also discuss the why of what it says and does, and learn from such discussions

Your iPhone Cannot Escape History, and Neither Can You: Self-Reflexive Design for a Mobile History Learning Game

This chapter focuses on the design approach used in the self-reflexive finale of the mobile augmented reality history game Jewish Time Jump: New York. In the finale, the iOS device itself and the player using it are implicated in the historical moment and theme of the game. The author-designer-researcher drew from self-reflexive traditions in theater, cinema, and nonmobile games to craft the reveal of the connection between the mobile device and the history that the learners were studying. Through centering on this particular design element, the author demonstrates how self-reflexivity can be deployed in a mobile learning experience to tie history to contemporary concerns. What does it mean to bring self-reflexive techniques to mobile learning? What should we consider as we bring these techniques to bear on the mobile learning environment? How can we take advantage of the affordances of mobile self-reflexivity? The chapter explores these questions, and more, through the case of attempting to bring the self-reflexive technique to mobile learning; specifically, in a mobile ARG for leaching history