Abstract
An analysis of mobile money infrastructure under conflict conditions, proposing protocol changes that keep payments resilient when networks fragment.
Key Findings
- 1
Offline-tolerant transaction queuing would preserve most corridor commerce during multi-day outages.
- 2
Protocol-level float sharing between carriers reduces single-point liquidity failures.
- 3
Regulatory sandboxes in Goma could pilot resilient payment standards for the wider region.
Methodology
Protocol analysis of two national mobile money stacks, stress-tested against documented outage timelines from 2021–2024.
Complete Technology & Society (PDF)September 2024