“Over the past ten years, ITCs have become an important element in sustaining economic growth and poverty reduction through increasing efficiencies, enabling the delivery of social services, or creating new sources of income and employment” (Fourati, 2009, p. 37) . m-banking is one such technological development that has a potential to increase economic participation by low-income consumers. This research examines the factors influencing the adoption of mobile banking by low-income consumers in South Africa, with a special focus on the banking needs of the poor. The research framework was adapted from Tan and Teo (2000) and assessed the impact of these nine variables on the intention to adopt m-banking: relative advantage, compatibility with values, compatibility with banking needs, compatibility with cell phone use experience, complexity, “trialibility”, risk, self-efficacy and support. Data for this study was collected through a physical hardcopy survey in Soweto, in Gauteng.The research found that low-income consumers will consider adopting m-banking as long as it is offers them an improved way over the current mechanisms of managing their money, it is compatible with their financial services needs and they consider themselves as having the necessary skills to use it. / Dissertation (MBA)--University of Pretoria, 2012. / Gordon Institute of Business Science (GIBS) / unrestricted

This paper explores the existence of a shared community involving the members, users and organisers of three collaborative work spaces located in Phnom Penh, Cambodia. Situated as part of an emergent global phenomenon, these spaces, despite having notable differences, share many important features and are, I argue, part of a knowledge exchanging cluster of grassroots entrepreneurialism and innovation-oriented organisations, groups and events in the Phnom Penh area. I explore this cluster as a community in two ways: firstly through the mapping of a knowledge architecture locating the spaces and their actors as nodes within a flow of relationships and activities, secondly, via a networked ethnographic inquiry tracing these flows to actors within the network through qualitative research methods. In doing so I reveal the degree to which there exists a shared community perceived by the users and organisers of these spaces as well highlighting potential opportunities for greater sharing of knowledge, ideas and experience. The paper finds that though a nascent community does exist, there is still significant variance in the levels of cognisance of this community by the different actors as well as in the approach to its engagement. Despite this, there remains, in large part, a shared set of goals and values paving the way for future community collaboration.