The rapid development of wireless technology and telecommunication networks has led to mobile devices playing an increasing role in people's lives. Businesses have recognised the value of mobile communication tools and trading platforms. A new type of technology-aided commerce β mobile commerce including mobile financial services β has gained importance in theory and practice. However, in the context of developing countries, the literature on the potential of mobile commerce and its driving factors is still limited.
Along five empirical studies conducted in Rwanda, this research identifies the factors that drive the success of mobile commerce and financial services. It defines an appropriate infrastructure (power supply and network connectivity), a suitable regulatory setting, sufficient consumer awareness, and a proper distribution network as crucial for adopting mobile commerce and harvesting its potential. Thereupon, the research derives recommendations to Rwandan policymakers and practitioners in order to achieve economic growth, reduce poverty, and enhance national welfare Rwanda
