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(Last updated: August 6, 2018)

Publications

2018

Mulwa, M, Samuel Ngigi.  2018.  Financial Inclusion through Mobile Money. The M-ASCA Model in Kenya. 2018 Edition of the University of Nairobi Innovation Research Symposium. , Nairobi: University of Nairobi
Mulwa, M.  2018.  Mobile Money and Empowering the Lesser off Segments in Society: Mobile Accumulating Savings and Credit Association (M-ASCA) Model in Kenya . International Journal of Science Arts and Commerce. 3(No. 5):22-36.3.5.02.pdf
Mulwa, M, Samuel Ngigi.  2018.  Barriers to Uptake and Use of Added Value Mobile Money Products by the Lesser off Segments in Kenya. International Journal of Innovative Research & Development. 7(6):146-155.jun18049_1.pdf

2017

Mulwa, M.  2017.  ICT in Greenhouse farming: KALRO /USAID – FtF IARDP Training of Trainers and Farmers on Greenhouse Crop Production in Kenya, May 4 2018. , Nairobi: KARLOmanuscripts1529675921mutheu.pdf

2016

Mulwa, MM, Waema TM.  2016.  The Role of the Actor Network Theory in Mobile Banking. A case Study of Selected Mobile Banking Products in Kenya. International Journal of Innovation in the Digital Economy. 7(1):54-68.iijide.pdf

2015

Mulwa, MM.  2015.  M-ASCA. : Dr. Martina Mutheu Mulwamasca_copyright_certificate.pdf
Martina, M, Timothy W.  2015.  Understanding Mobile Banking From a Theoretical Lens: Case studies of Selected Mobile Banking Products in Kenya. International Journal of Management and Information Technology. 10(No 8):2434-2444.ijmit.pdf
Mutheu, M.  2015.  10 Things you though you knew about M-PESA/CGAP#comment169596.
Mulwa, M.  2015.  Does Microcredit Really Help Poor People?
Mulwa, M.  2015.  Mobile Accumulating Savings and Credit Association Mobile Money Model. www.m-asca.com.
Mulwa, M.  2015.  Is Kenya Ready for an MVNO. www.cgap.org.
Mulwa, M, Lusike L.  2015.  Audiences to Users. The Paradigm Shift in the Role of Audiences in the Execution of Mobile Money Transaction in Kenya.. Journal of New Media and Mass Communication.. 35, 2015(ISSN 2224-3267 (paper) ISSN 2224 3275 (online) )20824-22947-1-pb.pdf
Mulwa, M.  2015.  Integrated Marketing Communication and Technology Adoption: The M-pesa Model in Kenya. , Germany: LAP LAMBERT Academic Publishing 978-3-659-68294-0.pdf978-3-659-68294-0.pdf

2014

Mulwa, M, ndeti ndati.  2014.  Barriers to Uptake and Use of Agency Banking Products Targeting Poor and Marginalized Populations in Kenya, April 8. 4th International Conference M4D Mobile Communication for Development M4D2014. , Dakar, Senegalbarriers_to_uptake_and_use_ucad.pdf
Mulwa, M.  2014.  The Role of Context of Use in the Stabilization of Mobile Banking Products: A Case of Selected Mobile Banking Products in Kenya. The International Journal of Science & Technoledge. Vol 2( Issue 6)46.st1406-044_the_ijst.pdf

2013

Mulwa, M.  2013.  The network Logic and The stabilization of Mobile Banking Products in Kenya, 12 July. The 4th African International Business and Management (AIBUMA 2013) Conference. , The University of Nairobi, School of Business, Lower Kabete Campus, Nairobi, Kenyaaibuma2013conferenceprogram-final_july1.pdf
Mulwa, MM.  2013.  The Role of Regulators in the Mobile Money Industry, 12 March. Mobile Money Uptake in Ghana . , Ghana Technology University College
Mulwa, MM.  2013.  Is Mobile Phone Banking a Means for Bringing the Poor and Marginalized into Financial Services of The Formal Economy in Kenya? The African Journal of Communication,The East African Communication Association. Volume 1 (Number 2. )
Martina, M, Ndeti N.  2013.  Network Logic And The Stabilization Of Mobile Banking Products: A Case Study Of Selected Mobile Banking Products In Kenya.. International Journal of Innovative Research & Development. Vol. 2(8)36331-37533-1-sm1_ijird.pdf
Mulwa, M, ndeti ndati.  2013.  Integrated Marketing Communication and Technology Adoption: A Case of Safaricom’s M-PESA Mobile Money Transfer Services in Kenya.. African Journal of Science, Technology, Innovation and Development. Vol. 5(No. 5):363–371.8292971_ajstid.pdf

2012

Mulwa, MM.  2012.  Extending financial services to the poor and Marginalized. A Case Study of Mobile Banking in Kenya, 12 September. 2nd East African Communication Association Conference. , St. Augustine University in Mwanza, Tanzaniaextending_financial_services_to_the_poor_and_marginalized_revised_edition.pdf
Mulwa, M.  2012.  Integrated Marketing Communication (IMC) and the Adoption of Mobile Money Transfer Services, 4 April. 1st International Mobile Money Conference in Kenya. , Kenya School of Monetary Studies35-22-1-sp_uonbi_conferences.doc
Mulwa, M.  2012.  The Role of Wireless Communication in Financial Inclusion. A Case Study of Selected Mobile Banking Products in Makueni County.. , Nairobi: University of Nairobi, Kenyathe_role_of_wireless_communication_in_financial_inclusion.pdf
Mulwa, M.  2012.  The Niche in Mobile Money Adoptions, 13 July 2012. AIBUMA 2012 Conference, School of Business University of Nairobi. , Kenyatta International Conference Centre (KICC), Nairobi Kenya

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