{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,13]],"date-time":"2026-04-13T12:18:14Z","timestamp":1776082694890,"version":"3.50.1"},"reference-count":43,"publisher":"Springer Science and Business Media LLC","issue":"3","license":[{"start":{"date-parts":[[2020,2,18]],"date-time":"2020-02-18T00:00:00Z","timestamp":1581984000000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"},{"start":{"date-parts":[[2020,2,18]],"date-time":"2020-02-18T00:00:00Z","timestamp":1581984000000},"content-version":"vor","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["Comput Supported Coop Work"],"published-print":{"date-parts":[[2020,6]]},"DOI":"10.1007\/s10606-020-09373-1","type":"journal-article","created":{"date-parts":[[2020,2,18]],"date-time":"2020-02-18T09:02:50Z","timestamp":1582016570000},"page":"227-261","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":15,"title":["The Unbearable Modernity of Mobile Money"],"prefix":"10.1007","volume":"29","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-6733-3040","authenticated-orcid":false,"given":"Ishita","family":"Ghosh","sequence":"first","affiliation":[]},{"given":"Jacki","family":"O\u2019Neill","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2020,2,18]]},"reference":[{"key":"9373_CR1","unstructured":"Bill & Melinda Gates Foundation (n.d.). Financial services for the poor. Strategy Overview, http:\/\/www.gatesfoundation.org\/What-We-Do\/Global-Growth-and-Opportunity\/Financial-Services-for-the-Poor. Accessed 15 July 2018."},{"key":"9373_CR2","unstructured":"Bowker, Geoffrey C. (1994). Science on the run: Information management and industrial geophysics at Schlumberger. Cambridge, Mass.: MIT press."},{"key":"9373_CR3","unstructured":"Bowker, Geoffrey C.; Paul N. Edwards; Steven J. Jackson and Cory P. Knobel (2010). The long now of Cyberinfrastructure. In W. H. Dutton and P. W. Jeffreys (eds):\u00a0World wide research: Reshaping the sciences and humanities. Cambridge, Mass.: MIT Press. pp. 40\u201344."},{"key":"9373_CR4","doi-asserted-by":"publisher","DOI":"10.23943\/princeton\/9780691148304.001.0001","volume-title":"Post-soviet social: Neoliberalism, social modernity, biopolitics","author":"JS Collier","year":"2011","unstructured":"Collier, J. Stephen (2011). Post-soviet social: Neoliberalism, social modernity, biopolitics. Princeton: Princeton University Press."},{"key":"9373_CR5","unstructured":"Consultative Group to Assist the Poor (n.d.). Business and markets. Topics. http:\/\/www.cgap.org\/topics\/digital-financial-services. Accessed 15 July 2018."},{"issue":"4\u20135","key":"9373_CR6","doi-asserted-by":"publisher","first-page":"471","DOI":"10.1080\/09614520701469302","volume":"17","author":"A Cornwall","year":"2007","unstructured":"Andrea Cornwall (2007). Buzzwords and Fuzzwords: Deconstructing development discourse. Development in Practice, vol. 17, no. 4\u20135, pp. 471\u2013484.","journal-title":"Development in Practice"},{"key":"9373_CR7","unstructured":"Dawson, Stella (2017). Why does M-Pesa lift Kenyans out of Poverty? Blog post, Consultative Group to Assist the Poor. http:\/\/www.cgap.org\/blog\/why-does-m-pesa-lift-kenyans-out-poverty. Accessed 15 July 2018."},{"key":"9373_CR8","unstructured":"Demirguc-Kunt, Asli; Leora Klapper; Dorothe Singer; Saniya Ansar; and Jake Hess (2018). The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington D.C., United States: The World Bank."},{"issue":"1","key":"9373_CR9","first-page":"61","volume":"61","author":"K Donovan","year":"2012","unstructured":"Donovan, Kevin (2012). Mobile money for financial inclusion. Information and Communications for Development (ICD), vol. 61, no. 1, pp. 61\u201373.","journal-title":"Information and Communications for Development (ICD)"},{"key":"9373_CR10","doi-asserted-by":"crossref","unstructured":"Edwards, Paul N.; Geoffrey C. Bowker; Steven J. Jackson; and Robin Williams (2009). Introduction: an Agenda for Infrastructure Studies. Journal of the Association for Information Systems, vol. 10, no. 5, pp. 6.","DOI":"10.17705\/1jais.00200"},{"key":"9373_CR11","unstructured":"Ferguson, James (1995). The Anti-Politics Machine: \u2018Development,\u2019 Depolitizication and Bureaucratic Power in Lesotho. Minneapolis: University of Minnesota Press."},{"key":"9373_CR12","unstructured":"Ghosh, Ishita (2013). The agent in a transformational M-banking ecosystem: Interface or intermediary? In ICTD\u201913: Proceedings of the Sixth International Conference on Information and Communications Technologies and Development: Notes. ACM, vol. 2, pp. 33\u201336."},{"key":"9373_CR13","unstructured":"Ghosh, Ishita; and Kartikeya Bajpai (2013). Remittance vs. Savings on the Mobile Money Platform (Part 1). Blog post, Institute for Money, Technology & Financial Inclusion.\nhttp:\/\/blog.imtfi.uci.edu\/2013\/05\/remittances-vs-savings-on-mobile-money.html. Accessed 15 July 2018."},{"key":"9373_CR14","unstructured":"GSM Association (2009). Mobile money for the unbanked: Annual report 2009. Report, GSMA, http:\/\/www.gsma.com\/mobilefordevelopment\/wp-content\/uploads\/2009\/09\/FINAL-mmu_2009_annual_report.pdf. Accessed 15 July 2018."},{"key":"9373_CR15","unstructured":"GSM Association (2017). State of the Industry Report on Mobile Money Decade Edition: 2006\u20132016. Report, GSMA, http:\/\/www.gsma.com\/mobilefordevelopment\/wp-content\/uploads\/2017\/03\/GSMA_State-of-the-Industry-Report-on-Mobile-Money_2016-1.pdf. Accessed 15 July 2018."},{"key":"9373_CR16","unstructured":"GSM Association (n.d.). What makes a successful Mobile money implementation: Learnings from M-Pesa in Kenya and Tanzania. Report, GSMA, http:\/\/www.gsma.com\/mobilefordevelopment\/wp-content\/uploads\/2012\/03\/What-makes-a-successful-mobile-money-implementation.pdf. Accessed 15 July 2018."},{"key":"9373_CR17","volume-title":"Trust and trustworthiness","author":"R Hardin","year":"2002","unstructured":"Hardin, Russell (2002). Trust and trustworthiness. New York: Russell Sage Foundation."},{"key":"9373_CR18","doi-asserted-by":"crossref","unstructured":"Hughes, Nick; and Susie Lonie (2007). M-PESA: Mobile money for the \u201cunbanked\u201d turning cellphones into 24-hour tellers in Kenya. Innovations, vol. 2, no. 1\u20132, pp. 63\u201381.","DOI":"10.1162\/itgg.2007.2.1-2.63"},{"key":"9373_CR19","unstructured":"Innovations for Poverty Action (2016). Simple access to Mobile money lifted two percent of Kenyan households out of poverty, finds new study published in science. Press Release, IPA. http:\/\/www.poverty-action.org\/news\/simple-access-mobile-money-lifted-two-percent-kenyan-households-out-poverty-finds-new-study. Accessed 15 July 2018."},{"key":"9373_CR20","unstructured":"International Finance Corporation (2018). Digital Access: The Future of Financial Inclusion in Africa. Blog post, IFC. http:\/\/www.ifc.org\/wps\/wcm\/connect\/59bc4a3d-f4e3-4c3e-83f6-af9added5681\/Digital+Access_The+Future+of+Financial+Inclusion+in+Africa_IFC_MCF_May+2018.pdf? MOD=AJPERES. Accessed 15 July 2018."},{"key":"9373_CR21","unstructured":"International Finance Corporation (n.d.). Alternative Delivery Channels and Technology Handbook. Report, IFC. http:\/\/www.ifc.org\/wps\/wcm\/connect\/5d99c500477262e89844fd299ede9589\/ADC+Handbook_ISBN.pdf? MOD=AJPERES. Accessed 15 July 2018."},{"key":"9373_CR22","volume-title":"Developing Mobile money ecosystems","author":"B Jenkins","year":"2008","unstructured":"Jenkins, Beth (2008). Developing Mobile money ecosystems. Washington DC: International Finance Corporation and Harvard Kennedy School."},{"key":"9373_CR23","doi-asserted-by":"crossref","unstructured":"Kendall, Jake; Bill Maurer; Phillip Machoka; and Clara Veniard (2011). An emerging platform: From money transfer system to Mobile money ecosystem. Innovations: Technology, Governance, Globalization, vol. 6, no. 4, pp. 49\u201364.","DOI":"10.1162\/INOV_a_00100"},{"key":"9373_CR24","doi-asserted-by":"publisher","first-page":"327","DOI":"10.1146\/annurev-anthro-092412-155522","volume":"42","author":"B Larkin","year":"2013","unstructured":"Larkin, Brian (2013). The politics and poetics of infrastructure. Annual Review of Anthropology, vol. 42, pp. 327\u2013343.","journal-title":"Annual Review of Anthropology"},{"key":"9373_CR25","doi-asserted-by":"crossref","unstructured":"Lee, Charlotte P.; Paul Dourish; and Gloria Mark (2006). The Human Infrastructure of Cyberinfrastructure. In P. J. Hinds\u00a0and D. Martin (eds): CSCW\u201906: Proceedings of the 2006 20th Anniversary Conference on Computer Supported Cooperative Work, Banff, Alberta, Canada, 4\u20138 November\u00a02006. ACM, pp. 483\u2013492.","DOI":"10.1145\/1180875.1180950"},{"key":"9373_CR26","unstructured":"Mas, Ignacio; and Olga Morawczynski (2009). Designing Mobile money services: Lessons from M-PESA. In Innovations, vol. 4, no. 2, pp. 77\u201391."},{"key":"9373_CR27","unstructured":"Mathew, Ashwin and Coye Cheshire (2017). Risky business: Social trust and Community in the Practice of Cybersecurity for internet infrastructure. In HICSS\u201917: Proceedings of the 50th Hawaii International Conference on System Sciences, Waikoloa Village, Hawaii, January 4\u20137, 2017."},{"key":"9373_CR28","doi-asserted-by":"crossref","unstructured":"Maurer, Bill (2012). Mobile money: Communication, consumption and change in the payments space. In Journal of Development Studies, vol. 48, no. 5, pp. 589\u2013604.","DOI":"10.1080\/00220388.2011.621944"},{"key":"9373_CR29","doi-asserted-by":"crossref","unstructured":"Mitchell, Tim (1991). America's Egypt: Discourse of the Development Industry. In Middle East Report, no. 169, Crossing the Line. (March\u2013April, 1991) pp. 18\u201336.","DOI":"10.2307\/3012949"},{"issue":"3","key":"9373_CR30","doi-asserted-by":"publisher","first-page":"509","DOI":"10.1080\/17531050903273768","volume":"3","author":"O Morawczynski","year":"2009","unstructured":"Morawczynski, Olga (2009). Exploring the usage and impact of \u201ctransformational\u201d Mobile financial services: The case of M-PESA in Kenya. Journal of Eastern African Studies, vol. 3, no. 3, pp. 509\u2013525.","journal-title":"Journal of Eastern African Studies"},{"key":"9373_CR31","doi-asserted-by":"crossref","unstructured":"Morawczynski, Olga; David Hutchful; Edward Cutrell; and Nimmi Rangaswamy (2010). The Bank account is not enough: Examining strategies for financial inclusion in India. In T. Unwin, D. Kleine, and K. Toyama (eds) ICTD\u201910: Proceedings of the 4th ACM\/IEEE International Conference on Information and Communication Technologies and Development, London, United Kingdom, 13\u201316 December\u00a02010 ACM, Article no. 24, pp 1\u201311.","DOI":"10.1145\/2369220.2369242"},{"key":"9373_CR32","unstructured":"Natarajan, Subhashree; and T.K.T Sheik Abdullah (2014). Social organizations: Decongesting the muddled economies of auto-rickshaw drivers in India. In World Applied Sciences Journal, International Digital Organization for Scientific Information, vol. 30, no. 7, pp. 831\u2013837."},{"key":"9373_CR33","doi-asserted-by":"crossref","unstructured":"O\u2019Neill, Jacki; Anupama Dhareshwar; and Srihari H. Muralidhar (2017). Working digital money into a cash economy: The collaborative work of loan payment.\u00a0Computer Supported Cooperative Work (CSCW), vol. 26, no. 4\u20136, pp. 733\u2013768.","DOI":"10.1007\/s10606-017-9289-6"},{"key":"9373_CR34","doi-asserted-by":"crossref","unstructured":"Panjwani, Saurabh; Mohona Ghosh; Ponnurangam Kumaraguru; and Soumya Vardhan Singh (2013). The paper slip should be there!: Perceptions of transaction receipts in branchless banking. In M. Rohs and A. Schmidt (eds):\u00a0Mobile HCI\u201913: Proceedings of the 15th International Conference on Human-computer Interaction with Mobile Devices and Services, Munich, Germany, 27\u201330 August 2013,\u00a0ACM, New York, pp. 328\u2013331.","DOI":"10.1145\/2493190.2493236"},{"key":"9373_CR35","volume-title":"The enabling environment for Mobile banking in Africa","author":"D Porteous","year":"2006","unstructured":"Porteous, David (2006). The enabling environment for Mobile banking in Africa. London: DFID."},{"issue":"4","key":"9373_CR36","doi-asserted-by":"publisher","first-page":"381","DOI":"10.1177\/0308275X11420117","volume":"31","author":"FA Schwittay","year":"2011","unstructured":"Schwittay, F. Anke (2011). The financial inclusion assemblage: Subjects, technics, rationalities. Critique of Anthropology, vol. 31, no. 4, pp. 381\u2013401.","journal-title":"Critique of Anthropology"},{"issue":"6","key":"9373_CR37","first-page":"554","volume":"77","author":"S Shapin","year":"1989","unstructured":"Shapin, Steven (1989). The invisible technician. American Scientist, vol. 77, no. 6, pp. 554\u2013563.","journal-title":"American Scientist"},{"key":"9373_CR38","unstructured":"Srinivasan, Janaki; and Jenna Burrell (2015). On the importance of Price information to fishers and to economists: Revisiting Mobile phone use among fishers in Kerala. Information Technologies & International Development, vol. 11, no. 1, pp. 57\u201370."},{"key":"9373_CR39","unstructured":"Star, Susan Leigh. (1991). The sociology of the invisible: The primacy of work in the writings of Anselm Strauss. Social organization and social process: Essays in honor of Anselm Strauss. pp. 265\u2013283."},{"key":"9373_CR40","doi-asserted-by":"crossref","unstructured":"Star, Susan Leigh (1999). The ethnography of infrastructure. American Behavioral Scientist, vol. 43, no. 3, pp. 377\u2013391.","DOI":"10.1177\/00027649921955326"},{"key":"9373_CR41","unstructured":"Star, Susan Leigh, and Geoffrey C. Bowker (2006). How to infrastructure. In Handbook of New Media: Social shaping and social consequences of ICTs, pp. 230\u2013245."},{"key":"9373_CR42","doi-asserted-by":"crossref","unstructured":"Star, Susan Leigh; and Karen Ruhleder (1996). Steps toward an ecology of infrastructure: Design and access for large information spaces. In Information Systems Research, vol. 7, no. 1, pp. 11\u2013134.","DOI":"10.1287\/isre.7.1.111"},{"key":"9373_CR43","doi-asserted-by":"crossref","unstructured":"Suri, Tavneet; and William Jack (2016). The long-run poverty and gender impacts of Mobile money. Science, vol. 354, no. 6317, pp. 1288\u20131292.","DOI":"10.1126\/science.aah5309"}],"container-title":["Computer Supported Cooperative Work (CSCW)"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/s10606-020-09373-1.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/article\/10.1007\/s10606-020-09373-1\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/s10606-020-09373-1.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2021,2,19]],"date-time":"2021-02-19T14:10:08Z","timestamp":1613743808000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/s10606-020-09373-1"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2020,2,18]]},"references-count":43,"journal-issue":{"issue":"3","published-print":{"date-parts":[[2020,6]]}},"alternative-id":["9373"],"URL":"https:\/\/doi.org\/10.1007\/s10606-020-09373-1","relation":{},"ISSN":["0925-9724","1573-7551"],"issn-type":[{"value":"0925-9724","type":"print"},{"value":"1573-7551","type":"electronic"}],"subject":[],"published":{"date-parts":[[2020,2,18]]},"assertion":[{"value":"18 February 2020","order":1,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}}]}}