In urban and rural Kenya, mobile money, the use of the mobile telephone for banking has become a part of everyday life. People use mobile money to accomplish a variety of functions such as transfer money, save, and pay bills, among other uses. At the national level, the government considers mobile money important for individual and national development. Safaricom’s M-Pesa, the most popular mobile money application has received praise for enabling people in the rural areas to access financial services. This research examines the role of mobile money in the everyday lives of people in rural Kenya, especially ordinary users of M-Pesa and M-Pesa agents that facilitate these services. The findings from this research are based on a three-month period of fieldwork on M-Pesa use and facilitation in Chepkoilel, a rural community in western Kenya. Three questions guided this research: how has M-Pesa fit into people’s existing financial cultures and practices? How do people perceive M-Pesa and the role of the service in facilitating their development or financial mobility? How do M-Pesa agents perceive their role in the mobile money ecosystem? Data were collected using interviewing and observation methods. In this research, I found that M-Pesa users and M-Pesa agents utilized M-Pesa for their individual development. Notably, the M-Pesa agency business model had provided new opportunities for entrepreneurship to rural dwellers. Equally important, the application was fundamental for facilitating local-local and global-local financial flows. The ease of making financial remittances through M-Pesa had saved people the cost of transport to the banking halls in town, and made it easy for participants to forward their chama, or self-help group contributions. However, despite the speed and convenience of transactions brought by M-Pesa, there were widespread perceptions that financial management had been made difficult by the fact that money was now so fluid on M-Pesa, a contrast to the time when people used cash. At the same time, Safaricom’s introduction of M-Shwari, the digital saving platform had provided people with an alternative avenue with which to save and borrow money. Though M-Shwari fostered the privacy of financial transactions, among other perceived advantages, the application was displacing long-held collectivist financial habits by introducing individualistic financial practices. This study has also examined the intermediary work of M-Pesa agents in the mobile money ecosystem. As nodes linking Safaricom and its customers, M-Pesa agents were important actors in the system of exchange and value. Their domestication practices were critical to the integration of M-Pesa within the population. Furthermore, as informediaries, they provided socio-technical information that Safaricom used to improve the service. However, their work was often impeded by increasing cases of digital insecurity, and agents found themselves thrust in the role of the management of safety of M-Pesa transactions despite their limited financial knowledge. Finally, in unexpected ways, M-Pesa agents were engaged in the shaping of M-Pesa to suit the local social, cultural and economic remittance practices of the community they served. In the end, these actions benefited their development, the development of their clients, and Safaricom’s business. However, contrary to the prevailing perception, the study found that M-Pesa’s contribution towards financial inclusion was felt more in the informal economy rather than in the formal economy. I conclude that though M-Pesa was important for people’s development, the low-income population faced digital divide challenges in their attempts to utilize M-Pesa for their development. For instance, the relative high cost of services led to non-adoption of M-Pesa by some demographics. Non-literacy and lack of digital skills were other problems users faced.

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Worldwide use of mobile phones has created a new basis for interpersonal communication and has become a ubiquitous feature of youth culture. Hence the examination of global mobile phone adoption is a global challenge for communication researchers as well as for the media industries. Thus far, New Media research in New Zealand (NZ) has focused on children and teenagers. The group of young adults between 18-25 years has rarely been surveyed. This thesis focused on university students� use of mobile communication in NZ in the context of their everyday practices. The Mobile Media Study (MMS) was designed as a cross-national comparative research project with a focus on NZ together with one European and one North American country. The usage behavior, experiences, attitudes, and opinions of young NZers� towards mobile phone use was examined and contrasted to young German and American students. Methodological and data triangulation was applied and data was collected at the University of Otago, the City University of New York, the Pennsylvania State University, and the University of Leipzig. MMS survey research was conducted along with focus group and personal interviews, and qualitative exercises. In addition, the latest data from a longitudinal study of New Media use in Germany, the US and NZ served as a secondary, comparative, and complementary dataset. The research questions focused on general mobile phone use, text-messaging (SMS), the acceptance of Third Generation (3G) cell phones, mobile phone use in public places, gender-specific usages, and the construction of mobile social networks. Altogether, data from 1,316 students at four universities in three countries was analyzed. Results indicated that the number of providers as well as tariff structures appear to influence mobile phone adoption within a country. To adjust to the duopoly situation young people in NZ preferred prepaid cards in connection with a SMS package. This was reflected by extraordinarily high use of SMS in NZ. By comparison German and American students preferred annual contracts. Americans, who had the strongest preference for mobile calling, also had the highest monthly expenses. Additionally, findings revealed that overall user interest in 3G services is not yet very high. It was found that in particular NZ students do not exploit the full range of mobile services already available to them and feel confident that their current cell phone gratifies all their needs. They concentrate on using basic functions, such as calling and SMS. In addition, results suggest a decreasing role of the landline telephone and email for interpersonal communication. Gender differences were found with NZ women in particular being most enthusiastic about SMS. German men had the most negative attitude toward SMS and also used the service the least in comparison to the other students surveyed. In general women had a preference for the communicative functions on their mobile phone including voicemail and more women than men in Germany and NZ were found to play mobile phone games. Finally, evidence of gender specific social network structures were found in NZ with male networks resembling spider webs while female networks were centered so that all persons in the network connected back to the center. Overall, students only used a fraction of the contacts in their mobile phone book and communicated mostly within a limited local area. In conclusion, a replication of the MMS was suggested along with further multi-method research in the field of Asian-NZer�s New Media use.

Thesis (Ph.D.)--York University, 2008. Graduate Programme in Psychology. / Typescript. Includes bibliographical references (leaves 229-251). Also available on the Internet. MODE OF ACCESS via web browser by entering the following URL: http://gateway.proquest.com/openurl?url_ver=Z39.88-2004&res_dat=xri:pqdiss&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&rft_dat=xri:pqdiss:NR46015

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This dissertation addresses the issue of cost subadditivity of two Canadian telecommunications carriers, Bell Canada and Alberta Government Telephones (AGT). Multi-output, multi-input models of the production structure of Bell Canada and AGT are estimated under various alternative hypotheses. Subadditivity tests are conducted for both these companies in order to increase understanding of the issues concerning the deregulation of the Canadian telecommunications network and to assist policy makers in their decisions. / The hypothesis that both Bell Canada and AGT are natural monopolies cannot be rejected. Important cost savings are realized from having each of these firms alone in their respective markets producing the total of toll and local calls. Allowing competition in AGT's market would increase costs by approximately 20%, while costs in Bell Canada's market would increase by twice as much. It is found that Bell Canada's cost savings, though still quite important, are significantly reduced after 1983. Apparently, the high adjustment costs that Bell Canada incurs in installing new capital equipment, its organizational restructuring that followed the liberalization of customer premises equipment in 1982 as well as the recent technological changes may explain this turn-about in Bell Canada's cost structure. / We conclude that the 1985 Canadian Radio-Television and Telecommunications Commission's (CRTC) decision not to deregulate Bell Canada's long distance public voice monopoly market (MTS and WATS) was socially optimal.

Dissertation submitted in compliance with the requirements for the Masters Degree in Technology: Business Administration, 2008. / The aim of the study was to identify causes of churning, to find ways of managing it and to diagnose customers‟ communication needs. Furthermore the research tested the impact of messaging services on customer retention and whether these services could compensate for the declining revenue or become new cash cows for service providers. The units of analyses were young people of ages ranging from 15 to 24. This group was chosen because it was found, during the study, that they used new services more often than any other age group. The initial plan, however, was to interview the entire population of cellphone users. Stratified random sampling was used to randomly select the units of analysis. Interviews were conducted at the homes of respondents, in the streets and at a shopping centre. Causes of customer churning were found to be billing by service providers that confused customers and „better phone deals offered by the competitors‟ resulting in some of the respondents switching providers. Other aspects about which respondents complained and which therefore could cause churning are „poor network quality‟, „confusing pricing structure‟ and „long waiting on customer care line‟. The respondents indicated that their communication needs could be satisfied by services that are easy to use, a helpful customer care agent and being able to retain a number when switching a service provider. Therefore churning could be managed by removing or reducing the causes of it and attracting the customers by meeting their communications needs, which are, improving customer care service and designing services that are easy to use. The research was inconclusive on the messaging services. Of the three new messaging services that were studied, only one was extremely popular, while the other two were hardly used. Instant messaging was the second most used service to voice and SMS and it was also ranked second, in order of importance. The other two messaging services, mobile email and MMS, received low rankings from the respondents. In addition more than a quarter (27%) of the respondents had never used mobile email. The implications of these findings are that service providers should improve their customer care service and design services that are easy to use.

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