@inbook {morawczynski2010trustworthykenya,
	title = {Trustworthy mobile transactions: A longitudinal study of M-PESA in Kenya},
	booktitle = {Trust and Technology in a Ubiquitous Modern Environment: Theoretical and Methodological Perspectives},
	year = {2010},
	month = {Dec},
	pages = {160{\textendash}173},
	abstract = {This chapter will focus on one vital determinant of m-banking adoption and use-trust relations. It presents the case of M-PESA, an m-banking application that quickly achieved a remarkable local embeddedness in large segments of Kenyan society. Data for this case was gathered during a fourteen month ethnographic study that took place in two locations-one urban and one rural. The chapter identifies four categories of trust (interpersonal, extended, presumptive, institutional) that were a prerequisite for mobile banking, and a lubricant for its sustainability and growth. It shows that institutional trust relations were strong during the early stages of adoption whilst the interpersonal ones were weak. This means that customers trusted Safaricom, the mobile service provider offering M-PESA. They did not, however, trust the agents that facilitated cash in and cash out. The chapter also gives attention to the changing nature of these relations through time. For example, it shows that interpersonal trust relations between customers and agents strengthened with increased interaction. The chapter concludes by identifying areas for future research and delineating recommendations for managers. {\textcopyright} 2010, IGI Global.},
	isbn = {9781615209019},
	doi = {10.4018/978-1-61520-901-9.ch010},
	author = {Morawczynski, O and Miscione, G}
}
@inbook {morawczynski2008examiningkenya,
	title = {Examining trust in mobile banking transactions: The case of M-PESA in Kenya},
	volume = {282},
	year = {2008},
	month = {Sep},
	pages = {287{\textendash}298},
	abstract = {This chapter examines how trust can emerge and be sustained in the context of mobile transactions. It focuses on M-PESA, a mobile banking system in Kenya, using data from an ethnographic study that was deployed in Kibera - one of Africa{\textquoteright}s largest slums. We present research in progress and discuss two main findings. Firstly, interpersonal trust relations between the customers and agents are weak. Customers do not trust the agents with their money. Secondly, the institutional trust relations between the customer and Safaricom, the mobile service provider offering M-PESA, are strong. This means that customers use the M-PESA service because they believe that their money will be kept safe by Safaricom. After providing empirical evidence to substantiate these claims, this study concludes by suggesting questions for future research. {\textcopyright} 2008 International Federation for Information Processing.},
	isbn = {9780387848211},
	issn = {1571-5736},
	doi = {10.1007/978-0-387-84822-8_19},
	author = {Morawczynski, O and Miscione, G}
}
