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首页> 外文期刊>Journal of Business & Financial Affairs >Who Regulates the Mobile Money Operations by Telco ?￠?€??s? The Need for an Effective and Robust Legislative and Regulatory Framework in Ghana
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Who Regulates the Mobile Money Operations by Telco ?￠?€??s? The Need for an Effective and Robust Legislative and Regulatory Framework in Ghana

机译：谁来监管Telco的移动理财业务？加纳需要有效和健全的立法和监管框架

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摘要

Ghana has evolved with the rest of the world in technological advancement. Mobile phones have so many peripheral merits besides phone calls and text messaging. Mobile Network Operators (MNO) has ventured into rendering financial services other than the usual mandate of providing telecommunication services. Mobile Money Operations (MMO) by the Telco’s in Ghana has become a tool to mobilize and encourage savings for the mostly unbanked populace of Ghana, and again as vehicle towards the ultimate aim of moving the economy into a cashless economy. However, there are unseemly implications if these activities of the Telco’s are not strongly regulated by the appropriate regulatory bodies. Telecommunication activities in Ghana are normally regulated by the National Communications Authority (NCA), apparently the financial services activities of Telco’s are beyond the purview of NCA and naturally falls within the mandate of the Bank of Ghana (BoG). This article seeks to implore the BOG to come out with a much stronger and robust legislative framework than what is currently available. The article compares and analyses some legislative frameworks of countries such as Nigeria, Kenya and Tanzania. Finally, the paper gives recommendations on regulating the MMO of Telco’s.
机译：加纳的技术进步与世界其他地区一起发展。除了电话和短信，移动电话还具有许多外围功能。移动网络运营商（MNO）已冒险提供金融服务，而不是通常提供电信服务的授权。电信公司在加纳的移动货币业务（MMO）已成为动员和鼓励为大多数没有银行账户的加纳民众节省存款的工具，并且再次成为实现将经济转变为无现金经济的最终手段。但是，如果没有适当的监管机构对电信公司的这些活动进行严格的监管，则会产生隐含的影响。加纳的电信活动通常由国家通信管理局（NCA）监管，显然，电信公司的金融服务活动超出了NCA的权限，自然属于加纳银行（BoG）的职责范围。本文力图向BOG提出一个比目前可用的法律框架更加强大和强大的立法框架。本文比较并分析了尼日利亚，肯尼亚和坦桑尼亚等国家的一些立法框架。最后，本文提出了有关规范电信公司MMO的建议。

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