Determinants of Mobile Money Adoption in Pakistan
This addresses mobile money adoption challenges for telecom and financial sectors in Pakistan, but it is incremental as it applies existing data analysis methods to a new dataset.
The study analyzed mobile money adoption in Pakistan using telecom call detail records, finding that user mobility features are the most important factor, with different societal sections showing varied adoption patterns.
In this work, we analyze the problem of adoption of mobile money in Pakistan by using the call detail records of a major telecom company as our input. Our results highlight the fact that different sections of the society have different patterns of adoption of digital financial services but user mobility related features are the most important one when it comes to adopting and using mobile money services.