Abstract
An empirical examination of mobile money systems as alternative financial safety nets in Eastern DRC amidst structural bank failures and network fragmentation.
Key Findings
- 1
Mobile money transaction volumes rise sharply during episodes of bank branch closure.
- 2
Agent liquidity, not network coverage, is the binding constraint during crisis periods.
- 3
Cross-border float arrangements quietly underpin corridor commerce with Rwanda and Uganda.
Methodology
Anonymized transaction aggregates from two carriers, agent interviews in Goma and Bukavu, and event-study analysis around service disruptions.
Complete Technology Report (PDF)November 2024