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One Cash: A New Generation of E-wallet for Mobile Money

Authors:
Macaire Ngomo
Clavy Viannet Mbou Mouyélé

Keywords: Ubiquitous computing support; e-payment; m-payment; mobile money; mobile telephony; User Interface/eXperience User; usage; useful; transactions; financial inclusion; Unstructured Supplementary Service Data (USSD); lower-cost and user-friendly solutions.

Abstract:
Launched in Congo in 2012 by mobile phone operators, Mobile Money is a digital financial service that offers the possibility of opening an account for free and carrying out financial transactions easily and flexibly. Subscribers can then carry out several types of operations: pay bills, transfer money, receive money, deposit money, etc. In Congo, in addition to the fact that financial transactions are still very expensive, the solutions offered by operators currently only allow transactions to be carried out between subscribers of the same mobile operator. In addition to this lack of a gateway between operators, the old Unstructured Supplementary Service Data (USSD) or Subscriber Identity Module (SIM) hierarchical menu interfaces used do not facilitate or encourage the use of the solutions offered. A single transaction can require up to seven or eight screens and the entry of two to three sequences of numbers. In this article, we propose an innovative solution, called "One Cash", which provides a concrete and practical solution to these major concerns, by integrating the Application Programming Interfaces (APIs) of mobile and/or financial operators and by exploiting the richness and flexibility of smartphone interfaces to simplify use. In particular, the content is presented in a richer and clearer way than a simple text; the number of manipulation steps has been reduced with the proposed solution, thus reducing the cognitive load of the user. We highlight the interest of a diversified offer of m-payment services including a simplified solution offered by the operator alone, and more elaborate services, in particular by associating technological and financial partners such as banks. The proposed architecture is easily adaptable to respond to future extensions and improvements of the system.

Pages: 28 to 35

Copyright: Copyright (c) IARIA, 2024

Publication date: September 29, 2024

Published in: conference

ISSN: 2308-4278

ISBN: 978-1-68558-191-6

Location: Venice, Italy

Dates: from September 29, 2024 to October 3, 2024