dc.contributor.author | Makholwa, Clement | |
dc.contributor.author | Budree, Adheesh | |
dc.contributor.author | Kabanda, Salah | |
dc.date.accessioned | 2021-12-06T12:34:46Z | |
dc.date.available | 2021-12-06T12:34:46Z | |
dc.date.issued | 2020 | |
dc.identifier.citation | Makholwa, C., et al. 2020. Mobile financial services for bottom of pyramid users: Reality or pipe dream?. TD: The Journal for Transdisciplinary Research in Southern Africa, 16(1)337 - 346. [http://dspace.nwu.ac.za/handle/10394/3605] | en_US |
dc.identifier.issn | 1817-4434 | |
dc.identifier.issn | 2415-2005 (Online) | |
dc.identifier.uri | http://hdl.handle.net/10394/38118 | |
dc.identifier.uri | https://doi.org/10.4102/td.v16i1.809 | |
dc.description.abstract | 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. | en_US |
dc.language.iso | en | en_US |
dc.publisher | AOSIS | en_US |
dc.subject | Mobile financial services | en_US |
dc.subject | Bottom of the pyramid | en_US |
dc.subject | Emerging economies | en_US |
dc.subject | Financial inclusion | en_US |
dc.subject | Macro | en_US |
dc.subject | medium and small enterprises (SMMEs) | en_US |
dc.title | Mobile financial services for bottom of pyramid users: Reality or pipe dream? | en_US |
dc.type | Article | en_US |