Interoperability, spectrum, and regulation in mobile money services: analysis and engineering-based recommendations for developing countries
DOI:
https://doi.org/10.24054/rcta.v2i48.4276Keywords:
Mobile financial services, radio spectrum management, technology regulation, digital financial inclusionAbstract
This article analyzes mobile money services as drivers of financial inclusion, taking the Colombian case as a reference. From an engineering perspective, it examines three critical factors: interoperability between platforms, radio spectrum management, and technical regulation. Using a documentary and comparative methodology—including international standards and technical data—it identifies low interoperability despite high mobile banking adoption, as well as a positive correlation between 4G coverage and the uptake of digital wallets. The study proposes an interoperable architecture based on open standards, along with cost estimates for dynamic spectrum in rural areas, offering a technical framework applicable to countries with financial ecosystems in transition.
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