Global ETD Search

1	The value of credit to smallholder farmers in the Belas community in Manicaland Province of Mozambique Kotzé, Juan-Pierre January 2020 (has links) Smallholder farmers across the world, including Mozambique, are often faced with limited growth potential. This could mainly be attributed to an inability to purchase sufficient inputs to produce more and better-quality crops and to cultivate more land. This, in turn, is directly related to the fact that many of them do not qualify for credit, or put in another way, they are financially excluded. Smallholder farmers are known to have little or no assets to offer as collateral against loans. However, the question to be asked is, does this matter? This study proves that credit does make a difference in the community of Belas, Manica Province, Mozambique, despite the perceived high costs thereof. If given access to credit, these smallholder farmers will continuously make use of this opportunity, which in turn will lead to an increase in the procurement of inputs. Data obtained from a group of 142 smallholder farmers in the Belas community in Mozambique, and stored in a cloud-based data system, was used to analyse and graphically depict the uptake of loans, repayment records and the increase in the procurement of inputs. The number of new loans taken over time is used as a measurement of the initial demand for loans, while the repayment rate acts as the repayment ability of the farmers, further the continuous uptake of consecutive loans is used to further measure whether the farmers find value in taking up loans. The repayment rate and uptake are also measured in respect of gender, age and financial inclusion to establish whether these factors cause any deviations from the mean. The data made it evident that, once loans are made available to these farmers, they do make use of the opportunity, and once they repay their first loan, they are likely to take up a new, larger loan to further increase the procurement of inputs, and at a later stage, also increase the use of equipment like tractors. The sample group of farmers was initially slow at repaying their first loans, but the repayment rate of the farmers increased once they moved to their second and third consecutive loans. This could be attributed to the continuous training they received once they started to qualify for loans. The uptake of credit was also affected by the age of farmers, where farmers between the ages of 41 and 50 were more likely to take up loans and furthermore to repay their loans and take up consecutive loans. With respect to the repayment ability of a farmer, it was found that a longer-term relationship between the financier and the farmer resulted in a better repayment ability by the latter. Women were found to repay their loans marginally faster than men did. In conclusion, this study found that farmers do see the value of credit, despite the perceived high costs, and that the uptake of loans leads to an increase in the procurement of inputs. It is recommended that microcredit be accompanied by training, to ensure the effective production of their products and therefore the repayment of their credit. MFIs need to operate in a competitive environment to ensure that no one company can inflate the costs of lending, this means that policies need to accommodate easy access to this market. / Mini Dissertation (MSc Agric (Agricultural Economics))--University of Pretoria, 2020. / African Economic Research Consortium (AERC) / Agricultural Economics, Extension and Rural Development / MSc Agric (Agricultural Economics) / Unrestricted UCTD Microfinance Microcredit Mobile wallet
2	Developing Consumer Adoption Model on Mobile Wallet in Canada Zarrin Kafsh, Sanaz January 2015 (has links) The widespread use of smartphones and technological advances in near-field communication technologies are quickly transforming mobile payment systems. These technologies have made it possible for consumers to use their smartphones to pay for their purchases through various payments systems such as Apple’s iPay, MasterPass and V.me. These mobile payment systems, commonly referred to as mobile wallets, are designed to eliminate the need for consumers to carry multiple credit cards in their wallets, thereby making it more convenient for consumers to shop. Mobile wallets represent a major advance in mobile marketing because they are another major channel through which marketers can better reach and serve customers in a very personalized way. Realizing the potential benefits of mobile wallets for both marketers and consumers depends on the speed of adoption of this new technology. This study examines the factors that influence consumers’ decision to adopt mobile wallets. Drawing on the theoretical technology adoption and diffusion literatures, a model of the factors that influence mobile wallet adoption is proposed and tested with data collected from 530 respondents. The purpose of this study was to develop a new technology acceptance model by combining TAM with IDT and exploring the factors that affect people’s behavioral intentions to use Mobile Wallet. Based on our proposed model, we explored the relationships among three innovative characteristics with PU and PEU with subjective norm which affect individuals’ intention for using Mobile Wallet. The results of this study show that some factors significantly influenced people behavioral intention to use Mobile Wallet. The effect of the trialability on the perceived usefulness is supported in this study. Subjective norm and awareness are correlated with the users’ perceived ease of use in Mobile Wallet. The findings suggest extended model of TAM for the acceptance of the Mobile Wallet can help industry players who are looking to build public demand and increase usage of Mobile Wallet. Mobile Wallet Digital Wallet TAM Adoption
3	Investigating Security Aspects of Cryptocurrency Wallets - a Systematic Study / Undersökning av säkerhetsaspekter på plånböcker för kryptovalutor - en systematisk studie Schmid, Philipp, Houy, Sabine January 2021 (has links) Cryptocurrencies are gaining prominence among individuals and companies alike, resulting in the growing adoption of so-called cryptocurrency wallet applications, as these simplify carrying out transactions. These wallets are available in a myriad of different forms and specifications. For example, there are hardware and software wallets. The latter can be divided into mobile, web, and desktop wallets. All of them offer attackers various ways to exploit vulnerabilities and steal money from victims. It is hard to keep track of this multitude of options and thus choose the right cryptocurrency wallet. For this reason, in this thesis, we collect the findings from previous literature to provide an overview of the various attack surfaces, possible countermeasures, and further research. Our systematic study has shown that there is still a considerable variety of attack vectors, which we have divided into six subcategories, (i) Memory and Storage, (ii) Operating Systems, (iii) Software Layer, (iv) Network Layer, (v) Blockchain Protocol, and (vi) Others. Some of the identified vulnerabilities have currently no solutions at all or hardly applicable countermeasures. However, some are easy to fix and simple to implement. One of the essential measures is to raise awareness of the identified weaknesses and the associated mitigations, if any, among the involved stakeholders, including users, developers, and exchanges. Cryptocurrency Wallets Vulnerabilities Weaknesses Crypto Wallet Countermeasures Security Blockchain Mobile Wallet Mobile Computer Systems Datorsystem
4	Fostering Financial Inclusion in Developing Countries: Predicting User Acceptance of Mobile Wallets in Cameroon Fosso Wamba, S., Queiroz, M.M., Blome, C., Sivarajah, Uthayasankar 14 September 2020 (has links) Yes / Financial inclusion is a vital development priority for countries worldwide. Mobile wallet (m-wallet) is considered as a disruptive payment method that will substitute the traditional physical wallet to achieve the so-called cashless society and enables financial inclusion. This study aims at developing and testing a research model that integrates a set of technology factors (perceived usefulness, perceived ease of use, fun to use, monetary value), external factors (peer influence and perceived status benefit), and cultural factors (humane orientation and societal collectivism) to assess the intention to adopt and use m-wallet, for financial inclusion, in a developing country. The proposed conceptual model is tested using data collected from 621 m-wallet users in Cameroon. The model explains 47.5% of the variance of the actual use of m-wallet and 32.90% of the variance of financial inclusion. Finally, implications for research and practice are discussed. Mobile wallet Adoption Actual use Cultural factors Financial inclusion TAM Acceptance Cameroon
5	La relación de la seguridad percibida, facilidad de uso y la utilidad percibida con respecto a la adopción de la banca Móvil en Lima Metropolitana / The relationship of perceived security, ease of use and perceived utility with the adoption of Mobile banking in Metropolitan Lima Ortiz gutierrez, Yuli sevelin, Tabuchi Gushiken, Mario Toshihide 03 July 2020 (has links) Solicitud de embargo por publicación en revista indexada. / En la actualidad, la tecnología móvil se ha posicionado en el estilo de vida de muchas personas. Esto se ha expandido en el sector de la banca a través de los aplicativos de banca móvil de distintas empresas debido a las distintas facilidades y ventajas que posee el utilizar esta plataforma. Esta investigación apunta a poder descubrir las causas que conllevan a la adopción del uso del aplicativo de la banca móvil en Lima Metropolitana. A través de las distintas teorías e investigaciones de otros autores se ha logrado encontrar los determinantes que poseen la mayor influencia. Entre ellos se encuentra la seguridad percibida, la facilidad de uso y la utilidad percibida. / Today, mobile technology has become a part of many people's lifestyles. This has expanded in the banking sector through the mobile banking applications of different companies due to the different facilities and advantages of using this platform. This research aims to discover the causes that lead to the adoption of the use of the mobile banking application in Metropolitan Lima. Through the different theories and investigations of other authors, it has been possible to find the determinants that have the greatest influence. These include perceived safety, ease of use, and perceived usefulness. / Trabajo de investigación Banca móvil Billetera móvil Plataformas de transferencia bancaria Mobile banking Mobile wallet Bank transfer platforms
6	Los riesgos, el brand trust y la intención con relación al uso del sistema de monederos digitales en usuarios Lavado Rupailla, Jesús Alberto, Navarro Odicio, Laura Mariana 09 July 2020 (has links) El uso de las billeteras móviles está recibiendo una creciente atención a nivel mundial. El rápido crecimiento del comercio electrónico y la tecnología del internet, ha propiciado a los bancos a innovar con respecto a los servicios de banca por internet, incentivando a sus usuarios a facilitar sus transacciones a través de las e wallets. Este estudio tiene como objetivo identificar los principales factores que influyen en la intención de uso de los e wallets. Por lo tanto, se describe un marco de investigación donde se analizan las variables de brand trust y riesgos financieros e informáticos, con el fin de evaluar cómo es que impulsan la intención de uso de los e wallets. El tipo de investigación que se llevará a cabo en este paper es correlacional, el cual tendrá un enfoque cuantitativo y de carácter concluyente. Por lo cual, se recurrirá a una muestra de 400 usuarios de billeteras móviles, con el fin de investigar la relación que hay entre las variables de brand trust, riesgos financieros y riesgos informáticos con respecto a la intención de uso de esta herramienta. Dicha investigación se realizará en el Perú después de que la herramienta fuera lanzada por primera vez en el 2017 y se encuentra en una etapa de constante crecimiento dentro del mercado. / The use of mobile wallets is receiving increasing attention globally. The rapid growth of electronic commerce and internet technology has encouraged banks to innovate with respect to internet banking services, encouraging their users to facilitate their transactions through e wallets. This study aims to identify the main factors that influence the intention to use e wallets. Therefore, a research framework is described where the variables of brand trust, brand image and financial and IT risks are analyzed, in order to evaluate how they drive the intention to use e wallets. The type of research that will be carried out in this paper is correlational, which will have a quantitative and conclusive approach. Therefore, a sample of 400 mobile wallet users will be used, in order to investigate the relationship between the variables of brand trust, financial risks and computer risks with respect to the intention to use this tool . This research will be carried out in Peru after the tool was launched for the first time in 2017 and is in a stage of constant growth within the market. / Trabajo de investigación Intención de uso Billetera móvil Riesgos Intent of use Mobile wallet Risks
7	Assessing the diffusion and use of mobile payment solutions : a case of the South African townships Mhlongo, Kulani Morgan 11 1900 (has links) With mobile phones almost being ubiquitous in most communities, the electronic payment industry has realised the potential of using mobile phones as devices that can be used to conduct electronic payments. This realisation has led to an increase in the number of mobile payment solutions, which are being deployed for use by the public. However, these mobile payment solutions have not been widely adopted, especially by the citizens who are residing in the townships. Thus, this study investigates the factors that inhibit township residents from adopting mobile payments. The study was done at the Soshanguve township on the outskirts of Pretoria in Gauteng, South Africa. The study adopted a mixed method approach to collect data. Phase 1 relied on the interviews from a few selected individuals to collect the initial data, once this process was complete; a questionnaire (Phase 2) was developed and distributed to the general community of Soshanguve for data collection, which was qualitatively and quantitatively analysed.the diffusion and use of mobile payments in the townships. Some of the factors are as follows: mobile payments are not easy to use; lack of products to purchase using mobile payments; high costs associated with using mobile payment solutions; lack of trialability of mobile payment solutions; and lack of awareness of mobile payment providers in the townships. The study proposes several guidelines that could help developers and operators of mobile payment solutions to design and deploy their solutions in such a way that they are suitable for consumption by the users in township communities. Proposed guidelines are as follows: (1) when a mobile payment solution is launched, effort should be made to market it to the target market; (2) potential adopters of mobile payments should be able to try it without incurring any financial penalties; (3) mobile payments should be easier to use; (4) mobile payment security features should be apparent to the potential adopters in order to alleviate their fears; (5) mobile payment solutions should be designed according to the needs of the target market as one size fits all does not work; (6) mobile payment solutions should fulfill a need which is not met by the current alternatives or it should offer more value than the existing alternatives; (7) the cost of conducting mobile payments should be affordable; and (8) the regulator should develop legislation that stimulates innovation and competition while ensuring the security of mobile payments. / Computing / M. Sc. (Computing) Mobile Payments Mobile Commerce Mobile Banking Mobile Network Mobile Wallet Mobile Adoption Mobile Money Transfer 332.1780968227
8	Understanding Adoption of Mobile Wallets : On Aged Population Koosha, Amirmohammad January 2018 (has links) A mobile wallet is a mobile application that is intended to replace leather wallets. With high mobile and Internet penetration and increased life expectancy in developed economies, adoption of mobile wallets by the older population is becoming more important due to new trends. Therefore, this thesis aims to understand and increase adoption of mobile wallets in developed economies by the citizens between the ages of 50 to 75. Based on the mobile payment technology acceptance model (MPTAM) and an extensive literature review, a simplified model is suggested. Three sub-questions (on 1 - social influence, 2 - perceived security, trust and risks, and 3 – perceived ease of use) are proposed for further study, which has been suggested in the literature to have more importance for the targeted demography. An exploratory qualitative study based on in-depth semi-structured interviews was conducted. The findings show that social influence can have direct or indirect effects. Moreover, several factors were identified that seems to have impacts on the degree to which a content can influence people. In addition, perceived trust, security, and risks seem to be the most important impediment for the adoption of mobile wallets, especially for risk-averse people. Furthermore, perceived ease of use can improve the values that mobile wallets may provide. Perceived ease of use is more important for the targeted age group since some of the potential users in this age group has reduced learning and physical abilities. Finally, many implications of the findings and methods to improve the adoption of mobile wallets for the selected demography, i.e. restriction and customization, use of familiar design, use of strong brands, etc. are suggested. mobile wallet technology acceptance TAM MPTAM e-commerce senior citizens older population aged population social influence perceived trust perceived security perceived risk perceived ease of use Övrig annan teknik
9	Exploratory study of market entry strategies for digital payment platforms Marcinkowska, Anna January 2018 (has links) The digital payment industry has become one of the fastest evolving markets in the world, but in the wake of its rapid advancement, an ever increasing gap between academic theory and the actual reality of this market widens - and especially so when it comes to entry theory. It is widely acknowledged that the world is moving towards an ever more homogeneous economy, but despite the fact that payment preferences differ greatly from country to country - research on this subject continues to revolve mainly around localized efforts. But as historical inequalities between poor and rich societies continue to dissipate - learning from nations at the forefront of technological advancement increases the likelihood that the developed strategy becomes applicable to an increased number of countries. By selecting a nation most conducive to technological growth, the purpose of this report is to map the present dynamics in its digital payment industry using both recent and traditional market entry theory. However, studies geared towards globalized strategy formulation cannot be assumed as having guaranteed access to internal company-data at all times. So in order to facilitate such studies, the level of dependency on primary data required for conducting such research needs to be understood first, which is why the work in this report is constrained strictly to data of secondary nature. This, not only to further map the characteristics of this market, but also to see how open the market is to public inspection. Ultimately, the academic contribution becomes that of providing a road-map towards adapting currently available market entry theory to suit the rapidly evolving conditions of the digital payment industry from a global perspective and, when failing to do so, the aim is to also explore avenues for further research towards this end goal. Market entry strategy digital payment platform platform network effects first mover late entrant early follower klarna swish paypal seqr wywallet homing costs switching costs internationalization bankid bank-id cashless society timing of entry one-sided two-sided multi-sided NFX cross-side cross side same-side same side subsidy-side subsidy side money-side money side secondary data analysis degrees of navigation navigational degrees content cognitive load application mobile payment mobile wallet Business Administration Företagsekonomi Other Natural Sciences Annan naturvetenskap Övrig annan teknik
10	Legal and regulatory aspects of mobile financial services Perlman, Leon Joseph 11 1900 (has links) The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. \| vi / Public, Constitutional and International Law / LLD Agents Airtime transfer Airtime -based SOV Allocation of loss Allocation of risk Anti-Money Laundering (AML) Aristotle Australian school Auto-subscription Banks Banks Act Bilateral Juristic Act Bottom of Pyramid Branchless Banking BSD Business of banking Cash-In /Cash out Central Bank Claim school Competition Commission Condictiones Consumer protection Consumer Protection Act (CPA) Contract law Convergence CTF Dedicated Banks Bill Delict Regulatory philosophies Deposits Deposit-taking Directives Dodd-Frank Electronic Commerce (e-commerce) Electronic Funds Transfer (EFT) Electronic money (e-money) Electronic Money Directive (EMD) European Union (EU) FA Mann Fiat Fiat-based SOV FICA Financial inclusion Financial literacy Foley v Hill Hacking ICASA Kenya KYC Legal capacity m-Banking Means of exchange Means of payment MFS MFSP Miller v Race Minors MNO Mobile Banking (m-Banking Mobile Commerce (m-commerce) Mobile Financial Services (MFS) Mobile Financial Service Provider (MFSP) Mobile Financial Services Provide (MFSP) Mobile Network Operator (MNO) Mobile payments Mobile payments (m-Payments) Mobile purse Mobile wallet Money Money Laundering (ML) m-Payments m-pesa National Consumer Commission National Payment System National Payment System Act (NPSA) Non-Banks NPSA Orthodox school Oversight Payment instrument Payments law Pooled accounts Position paper Proportional regulation Prudential Regulation PSD PSPL PSRA Redeemable funds Regulator's dilemma Regulatory capture Remittances (RICA) (South Africa) Security SIM Card SIPS South African Reserve Bank SOV Specie Store of Value (SOV) Stored Value Account (SVA) Subscriber Supervison Systemic risk Telecommunications Transformational banking Trust accounts Unbanked Underserved Underbanked Unit of account United Dominions Trust (UDT) Unjustified enrichment USA Value Added Services (VAS) Wallet WASP WASPA Additive banking Regulatory arbitrage 346.82120680285 Banks and banking, mobile --South Africa

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