Dr. Tonny K. Omwansa

Dr. Tonny K. Omwansa lecturers at the School of Computing and Informatics, University of Nairobi in Kenya. He is the co-author of “Money, Real Quick: Kenya’s disruptive mobile money innovation”.




K, NA, k litondo, Omwansa T.  2015.  A Theoretical Review of Mobile Commerce Success determinants.



Omwansa, TK, Sullivan NP.  2013.  Prepaid & Pay-as-you-go Models for Asset Financing Analysis of Mobile-Money Business Models for Kickstart (irrigation pumps) and M-KOPA (solar panels) in Kenya. AbstractPrepaid & Pay-as-you-go Models for Asset Financing Analysis of Mobile-Money Business Models for Kickstart (irrigation pumps) and

Acceptance of the prepaid airtime model-along with the emergence of mobile money-sets the foundation for new business models that allow innovative financing for people living on irregular incomes or with an aversion to credit. The new pay-in-advance (prepaid) or pay-as-you-go models are electronic hybrids of oldfashioned savings and credit plans-but mobile-money systems give sellers and lenders the ability to collect millions of frequent micro-payments, which is impractical with manual or cash systems. The key to prepaid models is their flexibility-you buy (or pay down or pay forward) what you can afford when you want, with no pressure to buy more or adhere to a fixed payment schedule. In all, this nascent model suggests that it might be possible to scale new and innovative products much faster, with a highly efficient system of financing, than has been possible before.

Omwansa, T, Waema T, Chen C, Sullivan N.  2013.  Mobile phone as the tool to redefine Savings for the poor: Evidence from Kenya.
Sullivan, N, Omwansa T.  2013.  Prepaid & Pay-as-you-go Models for Asset Financing, 2 May. Extreme Inclusion. , Boston, USAprepaid_nicholas_sullivan_and_tonny_omwansa.pdf


Omwansa, TK.  2012.  Modelling adoption of mobile money by the poo in Nairobi, Kenya. , Nairobi: University of Nairobi
Tonny, O, Nicholas S.  2012.  Money, Real Quick: Kenya's Disruptive Mobile Money Innovation. , London: Guardian
Isaiah, L, Tonny O, Timothy W.  2012.  Application of Technology Acceptance M odel (TAM) in M - Banking Adoption in Kenya. International Journal of Computing and ICT Research. 6(1):31-43.




Omwansa, T.  2008.   Africa Ripe for Tele Banking.

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