As observed in many countries, mobile banking can revolutionize the practice of payment transactions. This is especially true for developing countries, where mobile banking has the potential to open non-cash banking services to the unbanked. However, unlike in countries like Kenya and Ghana, in...

The market for payment cards is inherently two sided. Consumers benefit from increased merchant acceptance of payment cards and vice versa. To quantify the interdependence of consumer and merchants or network externalities, we construct and estimate a structural two-sided model of a payment...

Who uses mobile money? What is mobile money used for? This paper describes the mobile money adoption patterns following the experimental introduction of mobile money for the first time in rural areas of Southern Mozambique. We use a combination of administrative and household survey data to...

We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification strategy uses services suspensions caused by criminal groups that perform hit-and-run raids exploding branch facilities and rendering them inoperable for months. We show that...

Different field trials and corresponding acceptance studies with new technologies have been carried out between 2010 and 2013 at the Chair of Energy Economics at the Karlsruhe Institute of Technology (KIT). Those involved Electric Vehicle (EV) users, Liquefied Petroleum Gas (LPG) and Compressed...

User innovation contributes significantly to societal advancement, particularly in developing novel products and services, offering substantial financial potential, and fostering the common good. This is particularly evident in medical science, where it addresses diverse needs and is often...