Mobile financial services for bottom of pyramid users: Reality or pipe dream?
Journal for Transdisciplinary Research in Southern Africa
| Field | Value | |
| Title | Mobile financial services for bottom of pyramid users: Reality or pipe dream? | |
| Creator | Makholwa, Clement Budree, Adheesh Kabanda, Salah | |
| Description | Mobile financial services (MFSs) are perceived to be a potential solution in addressing emerging economies’ challenges. Through MFS, benefits associated with economic financial inclusion and economic growth and opportunities could be realised. Yet, not all emerging economies fully experience these benefits, especially in sub-Saharan Africa and more specifically the bottom of the pyramid (BoP) group of individuals who are characterised as the world’s poorest consumers, living primarily in the informal sector. This study sought to examine the factors contributing to the BoP group’s behavioural intention to adopt MFS in South Africa. The study was positivist in nature, using survey-based questionnaires to garner information from BoP users on MFS adoption. Data were tested for validity and analysed by using structured equation modelling to assess the hypotheses. The findings show that habit, performance expectancy and uncertainty avoidance are strong predictors of behavioural intent. These findings can have significant implications on how MFS service providers operate in the South African context and can be used by government to drive technology as a basis for financial inclusion. | |
| Publisher | AOSIS | |
| Date | 2020-11-26 | |
| Identifier | 10.4102/td.v16i1.809 | |
| Source | The Journal for Transdisciplinary Research in Southern Africa; Vol 16, No 1 (2020); 10 pages 2415-2005 1817-4434 | |
| Language | eng | |
| Relation |
The following web links (URLs) may trigger a file download or direct you to an alternative webpage to gain access to a publication file format of the published article:
https://td-sa.net/index.php/td/article/view/809/1489
https://td-sa.net/index.php/td/article/view/809/1488
https://td-sa.net/index.php/td/article/view/809/1490
https://td-sa.net/index.php/td/article/view/809/1487
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