ISSN: IJSB: 2520-4750 (Online), 2521-3040 (Print) JSR : 2708-7085 (online)

China’s mobile payment: lessons for African countries

 Author (s)

Fodouop Kouam Arthur William


In Kenya in 2007, Safaricom launched its M-PESA solution for peer-to-peer money transfer, known as the start of mobile money. Nowadays, Africa is the global leader in mobile money. However, many see China as the leader in terms of mobile payment. In many African countries, mobile money transactions such as peer-to-peer transfers and personal account withdrawals are costly. While in China, the cost of these transactions is meager; some are even free of charge. This study aims to assess the lessons African countries can learn from China’s mobile payment. The empirical research question is to determine what African countries can learn from China’s mobile payment, especially peer-to-peer money transfers and personal account withdrawals. We collected data from 19 African countries from mobile network operators operating in these countries. We analyzed data using descriptive statistics. Findings show that the costs of peer-to-peer transfer and withdrawal from a personal account are expensive in African countries compared to China. African governments should promote the adoption of QR code payment and provide technology infrastructure and good regulation.

Keywords: Mobile money, Mobile payment, China, African countries.

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Title: China’s mobile payment: lessons for African countries
Author: Fodouop Kouam Arthur William
Journal Name: International Journal of Science and Business
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
Media: Online
Volume: 15
Issue: 1
Issue publication (Year): 2022
Acceptance Date: 13/08/2022
Date of Publication: 18/08/2022
Free download: Available
Page: 87-93
First Page: 87
Last Page: 93
Paper Type: Research paper
Current Status: Published


Cite This Article:

Fodouop Kouam Arthur William (2022). China’s mobile payment: lessons for African countries. International Journal of Science and Business, 15(1), 87-93. doi: 10.5281/zenodo.7005831

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About Author (s)

Fodouop Kouam Arthur William, School of Management, Hebei University, Baoding  city, Hebei Province, China.


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