Multiviews of Mobile Money System Development
Type of Study
Prof.Trevor Wood-Harper & Dr.Ronald Ramlogan
Previous career and /or experience
I am system developer and e-business consultant by education, logistics manager by
profession, and an academic by nature's endowment. Luckily started my career at
Cairo University-Benisuef Campus as an assistant lecturer working with big titans of
the business science, then joined the Automotives industry for more than six years.
My professional career started as an ERP specialist at IDACO Automotives. Then
upgraded to logistics manager at MOBICA. Co, the biggest MNC for automotive and
interior design in the Middle East.
Eagerly, I reattached myself with academia, with two masters. The latest MSc has
been received from Liverpool Business School where I got a distinction and conducted
my research on the e-health service in the UK.
Honorably, joined MBS in 2009 and commenced my PhD in mobile financial service.
Currently, I lead an action research project for developing mobile money grid in
Egypt. The project explores the socio-technical issues and how cross-sector
collaborations take place among mega institutions such as Vodafone,
telecommunication authorities, FMCGs, Central Banks and meso level organizations
like Microfinance Institutions and other forms of NGOs. Using both qualitative and
computer aided software (e.g. NVivo), I explored different organizational, personal,
and technical factors shaping the sustainable development of the mobile money
Parallelly, I have been leading seminars, facilitating master projects, delivering
guest speeches since 2009. Above all, I work as a mentor for the Graduate Teaching
Assistant and an associate of GTA’s accreditation committee.
- Mohamad, M. (Sep 2011). Mobile Microfinance and empowerment: the case of
e-Masary for financial inclusion in Egypt, Strategic foresight, Vol: 2, Issue
No: 11, Pp 11-16. Available at:
- Mohamad, M. El Alamoudy, S. Alnuwairan, M, Wood-Harper, T. (Forthcoming 2014)
How Mobile-Based Visuals Operate as Messages of Information for Different
Cultures? Action case in the pilgrimage in Saudi Arabia. Action Research
Journale. Special Issue for Action Researchers Engaging with New Technologies
and Communicational Forms.
- Mohamad. M, Wood-Harper, T. Ramlogan, R, R. (Forthcoming May 2014) Multiview of
Mobile Money System Development at the Base of the Pyramid: Case of e-Masary in
Egypt after the Revolution. In Wadhwa, M &Harper, A. Advances in Business
Information Systems and Analytics (ABISA). IGI Global.
- Mohamad. M, Wood-Harper, T. Ramlogan, R, R. (Forthcoming May 2014). Base Of The
Pyramid As A Strategy For Cross-Sector Collaboration In Mobile Banking: Case Of
E-Masary In Egypt. In Haider, A & Pishdad, A. Business Technologies in
Contemporary Organizations: Adoption, Assimilation, and Institutionalisation.
- Mohamad. M, Wood-Harper, T. Ramlogan, R, R. (Forthcoming May 2014). Entry Modes
and the Impact of Mobile Microfinance at the Base of the Pyramid: Scenarios of
'My Village Phone' in Egypt. In Zhao, J. De Pablos, P. &Tennyson, R.
Organizational Innovation and IT Governance in Emerging Economies.
- Mohamad, M. Badewi, A. Shehab, E, Wood-Harper, T (Under Review 2014). Business
Innovation in ERP Orchestration Theory: Multicasts from the west and East.
European Journal of Information System.
- Mohamad, M & Alnuwairan, M. Proudlove, N, Ramlogan, R (Under Review 2014) The
Power of Word in Reverse Logistics: Socio-Technical Perspective on How
technology speaks. Electronic Journal of Information Technology for Development.
Special Issue for Social Media for Development.
- Mohamad, M. (August 2011) HIV treatment at the Bottom of the Pyramid: Case of
Cipla in South Africa. Manchester Business School Research Paper No. 43.
Available at: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2306366
- Mohamad, M. (4th August 2013). Multiviews of Mobile Money Systems Development:
Case of e-Masary in Egypt. Proceedings of the AOM Meeting 2013, Orlando FL, USA.
- Mohamad, M. (12 June 2013). Using The Base Of The Pyramid Strategy As Lens For
Cross-Sector Collaboration In Financial Inclusion: Case Of e-Masary For Mobile
Financial Services, Proceedings of the Critical Management Studies, ICT4D
Stream, Manchester, UK. Available at:
- Mohamad, M. (2012). Base of the Pyramid Value Chain As Lens For Cross-sector
Collaboration in Mobile Financial Services, Proceedings of the AOM Meeting 2012,
Boston, USA. Abstract available at:
- Mohamad, M. (May 2011). Exploring Accountability and Enterprise at Mobile
Microfinance Initiatives, Proceedings of the 4th Annual Information Studies
Postgraduate Symposium, Manchester Metropolitan University-UK. Available at:
- Mohamad, M. (2011). Exploring Accountability and Enterprises at the Bottom of
the Pyramid: Case Study for Mobile Microfinance in Egypt. Proceedings of the 2nd
International Conference on Entrepreneurial Networking and Learning within
Regional Economies; Waterford, Ireland, UK. Available at:
- Mohamad, M. (2010). Non-Bank Microfinance at the Bottom of the Pyramid: case
study of “My Village” by Vodafone Egypt. Manchester Finance Conference.
Manchester business School, UK.
- Mohamed, M. (2007), Foreign Aid Management: quantitative framework applied to
the Canadian Aids Fund in Egypt, Development’s Management conference, The Arabic
association for Management, Cataract Hotel- Cairo, Egypt.
Other Relevant Information
Mostafa currently teaches in the following courses:
- BMAN21061 - Introduction to Information System
- BMAN30151 - Advanced Business Information System
- MCEL30041 - Sustainable Enterprise for IEEE
- MACE62002 - Project Managing Humanitarian Aid
- BMAN10862 - Qualitative Case Studies for Management
- BMAN10732 - Quantitative Methods 2
- BMAN10821 - Quantitative Methods 1
- BMAN10872 - Introduction to Work Psychology
- 2012 - $3000 Prize of the National Science Foundation of the United States for
the best postgraduate paper in the AOM OCIS Group.
- 2008 - £112000 Scholarship of the Egyptian Cultural Bureau in London.
- 2008 - £1000 budget to act as elected representative of the Egyptian society in
UK & Ireland.
- 2007 - 2000 L.E Shell.co- award of best SME’s feasibility study Egypt.
- 2005 - Honorary Award of Senator Osama Shaltot for research in public sector
(Case for sustainable energy).
- 2002 - Golden Medal of Prime minister's in the science festival as the best
graduate student in Egypt –Cairo University Main Hall.