The mobile money value chain has numerous stakeholders owing to its combination of the financial and telecommunications aspects. These role-players actively participate in the regulation and use of mobile money to promote financial inclusion for the poor, low-income earners, and other previously marginalised persons in Zimbabwe. In this regard, the conduct of the aforesaid role-players could have both positive and negative effects on the regulation and use of mobile money services in Zimbabwe.
Put differently, the involvement of many role-players could give rise to the misalignment of their regulatory objectives and cause unnecessary conflicts. The article also examines the challenges that are faced by the role-players when regulating mobile money in a bid to promote financial inclusion for the poor and low-income earners in Zimbabwe.
This is done to provide recommendations that could enhance the regulation and use of mobile money to combat financial exclusion of the poor and low-income earners in Zimbabwe. Keywords: mobile money, financial inclusion, the poor, low-income earners, regulation. Ahmad, A. Journal of Economic Surveys, 34 4 , pp. Alexandre, C. Buckley, R. Buku, M. Chatain, P. Chibango, C. Chitimira, H. Potchefstroom Electronic Law Journal, 24, pp. De Koker, L. Dong, Y. Donovan, K. Financial Action Task Force, Gibson, E.
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