面向金字塔底层用户的移动金融服务:现实还是白日梦?

IF 0.2 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY
Clement Makholwa, Adheesh Budree, S. Kabanda
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引用次数: 1

摘要

移动金融服务被认为是应对新兴经济体挑战的潜在解决方案。通过MFS,可以实现与经济金融包容性、经济增长和机遇相关的利益。然而,并非所有新兴经济体都能充分体验到这些好处,尤其是在撒哈拉以南非洲,更具体地说,是金字塔底部的一群人,他们被称为世界上最贫穷的消费者,主要生活在非正规部门。这项研究试图检验导致BoP集团在南非采用MFS的行为意图的因素。这项研究本质上是实证研究,使用基于调查的问卷从BoP用户那里收集关于MFS采用的信息。通过使用结构化方程模型对数据进行有效性测试和分析,以评估假设。研究结果表明,习惯、预期表现和避免不确定性是行为意图的有力预测因素。这些发现可能对MFS服务提供商在南非的运营方式产生重大影响,并可被政府用来推动技术作为金融包容性的基础。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Mobile financial services for bottom of pyramid users: Reality or pipe dream?
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.
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