移动货币代理商与网络运营商的选择之间的互操作性:坦桑尼亚的案例
Lukasz Grzybowski1,2, Valentin Lindlacher3, Onkokame Mothobi4,5
1Faculty of Economic Sciences, University of Warsaw, 44/50 Dluga Street, 00241 Warsaw, Poland.
概括
坦桑尼亚的移动货币代理非独家协议对移动网络运营商的市场份额的影响很小. 消费者选择主要取决于代理商的近距离,互操作性仅为较小的提供商提供微小的优势.
科学领域:
- 经济学 经济学 经济学
- 信息和通信技术 (ICT) 政策政策
- 发展研究 发展研究 研究
背景情况:
- 移动货币服务对于发展中国家的金融包容性至关重要.
- 代理网络是移动货币交易的关键中介.
- 了解代理网络结构会影响移动网络运营商 (MNO) 市场动态.
研究的目的:
- 分析非独家移动货币代理协议对坦桑尼亚MNO订阅选择的影响.
- 评估代理商接近和互操作性对消费者决策的影响.
- 确定代理级互操作性对MNO市场份额的影响.
主要方法:
- 利用了坦桑尼亚 (2017) 的调查数据,与地理位置和代理人接近数据相结合.
- 采用离散选择模型来分析消费者订阅行为.
- 评估了代理网络非独家性对MNO市场份额的影响.
主要成果:
- 消费者移动网络运营商的订阅选择受到移动货币代理商距离的重要影响.
- 移动货币代理级别的互操作性仅对MNO总体市场份额产生了很小的影响.
- 较小的多地运营商经历了边际收益,因为他们可以更多地接触来自较大供应商的代理商.
结论:
- 代理级互操作性并没有大大改变坦桑尼亚的移动货币市场结构.
- 靠近移动货币代理仍然是消费者MNO选择的主要因素.
- 促进代理网络互操作性的政策干预可能会产生有限的市场份额转移.
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