DEVELOPING AND ANALYSING M-WALLET FOR BUSINESSES IN GHANA

Abstract

Internet availability in African countries has been immense benefit in the technological world. Accessibility of internet is common in Ghana as all the telecommunication networks provide internet services to their customers. Ghanaians can connect their laptops and other devices to their hotspot from their phone or use an internet modem to access the internet or browse directly from their phones.

This has created opportunities for other business ventures which include the possibility of having m-wallet to carry electronic business transactions. The need to provide a better easily accessible m-wallet for electronic transactions (Savings and Payment of bills electronically) called for this thesis topic.

This thesis focuses on the implementation and analysis of the m-wallet for businesses in Ghana. The analysis is done with the case study of Kuulchat, a popular educational social network in Ghana for students to socialize and sell to other students and Pre-vas Motors, a company for selling brand new and old cars.

The benefits, challenges and success factors of the developed application for the main targeted groups (Students for the case study with Kuulchat and the E-commerce businesses) is also analyzed. Both the mobile and web application is designed, implemented and tested. Android studio is used to develop the mobile application and notepad++ using CSS, JavaScript, PHP programming language and Mysql database to develop the web application.

The user top up his m-wallet either through a scratch card or by MTN Mobile Money. This m-wallet is used to deposit & transfer money and make online payments.