This report is an update to earlier work describing the use of M‐PESA in Kenya. The descriptive statistics across rounds suggest that the product has been adopted by an ever‐broadening cross section of the population. While it has always been used by a non‐negligible share of those with lower economic means, it has quickly expanded its reach into these groups, and is now used by households with a wide range of economic, demographic, and educational characteristics.
In Round 1, about 18 percent of non‐users said that they didn’t know about M‐PESA, while in Round 2 only 3 percent did, indicating that awareness of M‐PESA grew dramatically over the year and is now, therefore, a negligible constraint to adoption of M‐PESA. About 14 percent of non‐users said that they didn’t need M‐PESA in Round 1, while 21 percent cited this reason in Round2. The major constraint to adoption of M‐PESA, however, appears to be access to a cell phone. In both Rounds 1 and 2, not owning a cell‐phone was the primary reason cited although a much larger percentage mentioned it in Round 2 (60 percent) than in Round 1 (28 percent). This suggests that many of those individuals who adopted MPESA between Round 1 and Round 2 were those who already owned cell phones.
http://www9.georgetown.edu/
In Round 1, about 18 percent of non‐users said that they didn’t know about M‐PESA, while in Round 2 only 3 percent did, indicating that awareness of M‐PESA grew dramatically over the year and is now, therefore, a negligible constraint to adoption of M‐PESA. About 14 percent of non‐users said that they didn’t need M‐PESA in Round 1, while 21 percent cited this reason in Round2. The major constraint to adoption of M‐PESA, however, appears to be access to a cell phone. In both Rounds 1 and 2, not owning a cell‐phone was the primary reason cited although a much larger percentage mentioned it in Round 2 (60 percent) than in Round 1 (28 percent). This suggests that many of those individuals who adopted MPESA between Round 1 and Round 2 were those who already owned cell phones.
http://www9.georgetown.edu/
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