In developed countries, the business environment is highly saturated, with large numbers of banks, and mobile network operators. As a result, customers have a range of options in choosing preferential services providers. In Africa, most countries have dissimilar business environments; however, some countries have paved new frontiers in enabling access to financial services mainly through mobile banking services.In South Africa, a different situation prevails even though in certain instances the business environment is more advanced than other African countries. Over the past five years, South Africa reported upward trends in real income for LSM1-5 (living standard measure), and the number of mobile subscribers per household. Conversely, it also reported 60:40 ratios between the number of mobile subscribers and bank account holders with an expectation that the gap will grow further if key fundamentals are not revised in the banking sector.This research explored mobile banking capabilities required to serve the unbanked market of South Africa; and in doing so highlight the prospects of financial inclusion towards social and economic development, particularly when the firm seeks to offer products and services, which are reflective of the demographics of this country.Thus, as an exploratory study, it was necessary to gain insights from experts involved in designing, co-ordinating, and delivering mobile banking products and services. As a result, the research noted gaps in the products and services being offered across the different market segments. It also noted that in addressing these gaps; the banking sector requires participation from other key role players, such as the mobile network operators, regulator, and government. / Dissertation (MBA)--University of Pretoria, 2012. / Gordon Institute of Business Science (GIBS) / unrestricted

En una época donde la falta de tiempo afecta a la juventud económicamente, obliga al consumismo y genera desórdenes alimenticios, relacionado al hecho de que existe una considerable mayoría que no sabe cocinar, se hace necesaria de una herramienta que permita a los jóvenes aprender a cocinar platos rápidos y sencillos de manera que pueden continuar con su rutina habiendo alimentándose de mejor manera y habiendo ahorrado dinero y tiempo. Precisamente en esa dirección apunta el presente estudio. La creación de la aplicación Quickie Food sirve como un recetario en el que el usuario tendrá la opción de ver recetas en base a los ingredientes que tenga disponible en ese momento, categorías de comida (express, nutritivo, entre otras), así como filtrar resultados de su preferencia con la opción premium y accederá a descuentos con distribuidoras para que se les haga llegar productos o insumos (de ser necesario) a un costo menor. / In a time, were the lack of time has an economic repercussion on the youth, forces them to consumerism and creates alimentary disorders, related to the fact that there is a vast majority who does not know how to cook, a tool that allows youth population to learn how to cook simple and quick plates in order that they can continue with their routines saving money and time is needed. Precisely on that direction aims the present study. The creation of Quickie Food works as a recipe book that allows the user the option to see recipes depending on what ingredients they have available at that moment, food categories (express, nutritive, among others.), so as filter results of their choice with the premium option and access to discounts with distributors so they can ship products or ingredients (if its needed) at a less cost. / Trabajo de investigación

This work will explain in detail the development and implementation of a startup with high growth and scalability potential, taking advantage of the support of technology and the trends that govern in today’s world. Our team developed the startup mentioned under the legal principles and moral requirements of the Peruvian University of Applied Sciences. Our team chose to develop a mobile application which its main function is to connect qualified coaches and athletes with final users, thus providing them with personalized or group training sessions. This application has been developed with the aim of helping people who love to learn and practice sports but who, nevertheless, do not have the time to travel to a training center or the schedules of these establishments do not fit into their day-to-day life. . Throughout this document, validations of the business model will be developed to verify its acceptance in the market, through experiments carried out as indicated in what was studied along this course. / Trabajo de investigación

El presente trabajo se elaboró bajo la perspectiva del incremento por el interés del turismo nacional de los millennials de los NSE B y C, por lo que nació la idea del APP Guía-me, para facilitar información actualizada y real de lugares y actividades turísticas que cuenta el Perú a nivel nacional, la misma que contará con un audio guía que narrará las historias de los lugares turísticos. Los millennials son una generación del mundo digital y la practicidad, buscan información de manera rápida y para ello es necesario que sea segura y actualizada. Para comprobar nuestro supuesto, se realizó una investigación por medio de encuestas a nuestros clientes potenciales que nos permitió conocer que existe una falta de información turística actualizada y rápida en este tipo de servicio. En la actualidad la tecnología avanza cada vez más, por lo que el cliente también se vuelve digital y exigente, convirtiéndose en un público que necesita encontrar información rápida y actualizada de nuevos sitios turísticos, promociones, descuentos, así como información de restaurantes y hoteles que brinde seguridad y garantía al viajero, además que esté acorde con su presupuesto. Aprovechando el uso de las redes sociales como el Facebook, se realizó un testeo con dos anuncios para comprobar el interés del público objetivo en distintas fechas y con las mismas características del servicio, en el que 5,158 personas vieron el anuncio en el años 2019 y obtuvimos 42,392 en el año 2020, lo que refuerza el interés de conocer un nuevo servicio. / The present work was prepared under the perspective of the increase by the interest of the national tourism of the millennials of the NSE B and C, so the idea of ​​the APP Guide-me was born, to provide updated and real information of places and tourist activities that Peru has a national level, which will have an audio guide that will tell the stories of tourist places. Millennials are a generation of the digital world and practicality, they seek information quickly and for this it needs to be safe and up-to-date. In order to comprove our assumption, an investigation was carried out through surveys of our potential clients that allowed us to know there is a lack of updated and fast tourist information in this type of service. Currently, technology advances more and more, so the client also becomes digital and demanding, becoming an audience that needs to find fast and updated information on new tourist sites, promotions, discounts, as well as information on restaurants and hotels providing security and guarantee to the traveler, in addition to being in accordance with your budget. Taking advantage of social networks as Facebook, a test was carried out with two ads to check the interest of the target audience on different dates and with the same characteristics of the service, in which 5,158 people saw the ad in 2019 and obtained 42,392 in the year 2020, which reinforces the interest of knowing a new service. / Trabajo de investigación

El presente trabajo corresponde al curso de Desarrollo de Negocios 2, a lo largo del desarrollo aplicaremos conceptos y herramientas aprendidas a lo largo de la carrera de la Universidad Peruana de Ciencias Aplicadas. Actualmente el Perú presenta un crecimiento paulatino en el parque automotor, con mayor concentración en Lima Metropolitana y Callao. Muestra de ello se puede apreciar a simple vista en la cotidianidad, siendo específicos el tráfico. Service Car Express, plantea la idea de negocios que apunta al sector automotriz, al cuidado de los vehículos y asesoramiento vehicular. Nuestra idea está dirigida al NSE B y C y a personas o empresas que cuenten con vehículos considerados de segunda mano o a aquellos que estén planeando adquirir un vehículo dentro de distritos como Miraflores, Surco, Chorrillos, Barranco, San Miguel, Surquillo y Jesús María. Service Car Express, llega con una propuesta de valor diferente a la que está acostumbrado el cliente, servicios netamente a domicilio buscando reducir el tiempo perdido de nuestros clientes y volviendo esa parte de sus vidas tan tediosa de ir al taller en algo simplemente práctico e innovador, disponible en el momento. Con la finalidad de cumplir esta propuesta de valor, ScarX ha creado un modelo de negocios que a través de la tecnología por aplicativos busca optimizar los tiempos de servicios que pueda brindar a sus clientes, de este modo buscara alcanzar la máxima calidad y perfeccionar sus procesos operacionales identificando y aprovechando todos sus recursos disponibles. / The present work corresponds to the course of Business Development 2, throughout the development we will apply concepts and tools learned throughout the career of the UPC University. Currently, Peru presents a gradual growth in the automotive fleet, with a greater concentration in Lima Metropolitana and Callao. Sample of this can be seen in everyday life, when see traffic everywhere. Service Car Xpress, raises the business idea that points to the automotive sector, car care and vehicle advice. Our idea is directed to B and C socioeconomic status and to people or companies that have vehicles considered second-hand or to those who are planning to acquire a vehicle within districts such as Miraflores, Surco, Chorrillos, Barranco, San Miguel, Surquillo and Jesús María. Service Car Xpress, arrives with a different value proposition, services purely at home trying to reduce the lost time of our customers while they are in workshops, we are going to make it be something simply practical and innovative, available at the time. In order to fulfill this value proposition, ScarX has created a business model that, through technology is going to optimize the time a car service can take. We offer our clients the highest quality in all processes taking advantage of all available resources. / Trabajo de investigación

This study examines the field of playful design as a tool to affect and enhance the reception of a mundane activity. The management of swapping reusable household goods between neighbors is explored by designing playful components to enhance the experience. A pilot field study was carried out to observe recycling areas, in conjunction to 20 interviews being conducted regarding their point of views on recycling habits and their perception on their own local recycling area. The results show a clear indifferent attitude towards recycling and the environment surrounding the recycling area. However the interviewees were predominantly optimistic to the idea of swapping reusable goods with neighbors for its well-known advantages. Concerns were expressed on the practical efficiency and organization of such an activity, as well as on the shameful label perceived by using pre-used goods. A hybrid mobile application prototype was developed as one suggestion on how to incorporate playful design in a way that takes into consideration the needs and concerns of the users for swapping goods. Future research includes carrying out case studies on such playful applications for the current intended uses to gather insight on how they are utilized by potential users. Relevant are also empirical studies on how playful design as a tool may be used and its impact on users to get rid of perceived negative labels.

Cities have always been the drivers of innovation, growth and change. Cities around the world are still rapidly expanding, especially on the African and Asian continents. Cape Town is one of those cities, where urbanisation rates are high, and crime is persisting at alarmingly high levels with crime rates being among the worst in the country and the world. Additionally, the city is home to 7 of 10 worst-performing police services in the country. Combining these factors, there is a need to look at ‘smart' ways of growth which includes facilitating a safe and secure city for citizens. Although Cape Town is pursuing smart initiatives, these have failed to place communities and individuals among the key stakeholders in the smart planning process. This research focuses on further researching smart city initiatives in Cape Town, placing citizens at the centre of the development process. As Cape Town's mobile phone penetration rate is high and access to Internet is rapidly expanding, this research aims to use crowdsourcing techniques for developing a smart mobile application prototype that is focused on enhancing community engagement and facilitating increased perceived feelings of safety and security for citizens. The study uses a Design Science Research method with Cape Town citizens as the main stakeholders, to propose an artifact based on their wishes, needs and current issues faced with regards to safety and security in the city. The proposed artifact focuses on enhancing community engagement, through a chat room and user-logged incident reports, as well as a customised safe route planning functionality where users can send emergency signals to comembers with the use of GPS live location tracking. The research shows participants are willing to adopt the use of the mobile application prototype, given there is substantial community buy-in, and the functionalities in the app are easy to use and quickly accessible. The study further identifies the need for better police follow up and involvement, as the city's police system could benefit from crowd-sourced crime-data in reducing the number of crimes in neighbourhoods to make citizens feel more safe and secure.

En la actualidad, el negocio de lavanderías a nivel nacional ha ido innovando en el transcurso de los últimos años, ya que gracias a la tecnología y a las nuevas tendencias del mercado se ha podido dar un giro al servicio tradicional al cual se estaba acostumbrado. En este caso, existen herramientas tecnológicas como los aplicativos móviles, los cuales se han adaptado para el modelo de negocio de lavanderías simplificándole la vida al consumidor, ya que existen diversas variables como la falta de tiempo para trasladarse a una tienda de servicio y el horario de trabajo de los potenciales clientes que les impide llegar a tiempo a dejar o recoger la ropa. De esta manera, el tema de investigación consiste en analizar las relaciones entre los factores de uso, tales como: el nivel de entendimiento del usuario, la calidad del sistema y la calidad del diseño de los aplicativos móviles en el servicio de lavanderías en Lima Metropolitana. A través de un estudio cualitativo y cuantitativo, se buscará evidenciar y demostrar que existe una relación y es relevante para el negocio de lavanderías por un aplicativo en la ciudad de Lima, Perú. / Currently, the laundry business nationwide has been innovating in recent years, since thanks to technology and new market trends it has been possible to turn the traditional service to which it was accustomed. In this case, there are technological tools such as mobile applications, which have been adapted for the laundry business model, making life easier for the consumer, since there are various variables such as the lack of time to go to a service store and the schedule of potential customers that prevents them from being on time to drop off or pick up clothes. In this way, the research topic consists of analyzing the relationships between the use factors, such as: the level of user understanding, the quality of the system and the quality of the design of mobile applications in the laundry service in Metropolitan Lima. . Through a qualitative and quantitative study, it will seek to demonstrate and demonstrate that a relationship exists and is relevant to the laundry business by an application in the city of Lima, Peru. / Trabajo de investigación

Cada vez son más las personas que buscan tener un buen estado de salud, y según la definición elaborada por la Organización Mundial de la Salud (OMS), “la salud es un estado completo de bienestar físico, mental y social, y no solamente la ausencia de afecciones o enfermedades”. Para lograr este fin, las personas deberían realizar diferentes actividades como tener una dieta saludable, una rutina de ejercicios, evitar el consumo de sustancias tóxicas, hacerse revisiones médicas periódicas, etc. Además, generalmente, una persona que ha pasado por operaciones o se ha realizado diversas pruebas médicas no lleva el control de estas. Por ello, cuando acude a una consulta médica y no cuenta con información de sus atenciones, podrían pasar por alto cuestiones relevantes para responder ante una urgencia y no se apliquen en primera instancia los cuidados adecuados. La importancia de esto se incrementa sobre todo para los padres de familia, quienes llevan control y seguimiento de las atenciones de sus hijos menores de edad.  Considerando que el cuidado de la salud cobra relevancia, se ha identificado una oportunidad de negocio orientada a contribuir en el cuidado de la salud. La alternativa que planteamos permite el registro médico personal y familiar, separación de citas y cobro de estas, ranking de médicos, alertas sobre la toma de medicamentos y citas programadas, publicidad de clínicas, farmacias y ubicación de estas. Todo ello, a través de una aplicación administrada por el paciente, quien se encargaría de registrar la información de las atenciones médicas a través de imágenes, grabaciones de voz o de manera escrita. Con la propuesta de valor planteada se busca facilitar el cuidado de salud de las personas y de sus familias. / More and more people are looking for a good state of health, and according to the definition developed by the World Health Organization (WHO), "health is a complete state of physical, mental and social well-being, and not only the absence of conditions or diseases. " To achieve this goal, people should perform different activities such as having a healthy diet, an exercise routine, avoiding the consumption of toxic substances, regular medical check-ups, etc. In addition, generally, a person who has gone through operations or has performed various medical tests doesn’t have control over them. Therefore, when you go to a doctor's office and don’t have information about your care, you could ignore relevant issues to respond to an emergency and do not apply the appropriate care in the first instance. The importance of this increases above all for the parents, who control and monitor the care of their children underage. Considering that health care becomes relevant, a business opportunity aimed at contributing to health care has been identified. The alternative that we propose allows personal and family medical registration, separation of appointments, ranking of doctors, alerts on the taking of medicines and scheduled appointments and payment of these, advertising of clinics and pharmacies and location of clinics and pharmacies. All this, through an application administered by the patient, who would be responsible for recording information on medical care through images, voice or written recordings. With the proposed value proposition seeks to facilitate the health care of people and their families. / Trabajo de investigación

Abstract is available in Pediatrics.