This paper examines financial inclusion penetration in two southwestern states (Lagos and Ekiti) in Nigeria. Lagos has a high concentration of financial Institutions, while Ekiti has few financial institutions. This paper uses survey research design and logit regression analysis to show evidence of a significant difference in financial inclusion penetration in the two states and its impact on the business performance and well-being of the citizens of the states. The study reveals that penetration is higher in Lagos at 81% and lower in Ekiti at 60%. Irregular income/job loss, unknown/hidden charges, long queues in the bank, and high maintenance fees constitute a top threat to 80% financial inclusion achieved in the Southwest zone. The study, therefore, recommends intervention policy that considers state-level characteristics. Also, government policy on employment generation should target low-income earners who are worse-off during an economic downturn.

Increasingly, more software is developed locally, to address the needs of the developer's immediate community and yet little research has been done regarding their acceptance. The technology acceptance model (TAM), which has greatly been used in literature, failed to consider some cultural particularities of such software. Furthermore, most research has focused on the acceptance of foreign technologies in Africa. The primary objective of this article, is to investigate the validity of TAM for locally developed software within a community. The article utilizes quantitative methodology based on data gathered using a modified version of a published survey instrument; as well as Short Message Service for the collection of qualitative data. The findings concur with previous studies on technology acceptance and the raises interests on the use of qualitative data for understanding the context of technology acceptance.

Poverty in most cases is measured taking into consideration the financial wellbeing of the individuals concern. Financial wellbeing on the other hand does not only depend on accumulation of financial resources but as well on the acquisition of knowledge on financial sustainability.This study seeks to analyze the contribution of financial literacy to poverty alleviation in Cameroon, taking into consideration the financial literacy level of workers and the households in general.The study that was conducted in Yaoundé-Cameroon made use of both qualitative and quantitative research methods with the aid of questionnaires and interviews. Through a ISSN 2157-6068 2017 www.macrothink.org/bms 95 purposive sampling technique, a sample of some 100 respondents made up of workers was administered questionnaires, and the views of some 20 retired persons were sampled on their knowledge on the available financial instruments, and how these instruments were used to enhance their financial wellbeing and sustainability at retirement age. Business Management and StrategyThe data collected was analyzed with the use of SPSS, and the results were presented in the form of descriptive statistics. The findings showed that a significant proportion of workers in Cameroon are not familiar with the available financial instrument, and were greatly engaged in reckless borrowing without knowing the consequences of such actions.; Result from the interview revealed that a great majority of workers only think of retirement provisions when they approach retirement age. Based on this study, the need for sustainability in financial literacy to Cameroon workers with the intention to alleviate poverty remains a top policy recommendation.

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An inclusive and stable financial system promotes investments and a market driven economy which is productive and competitive. Appropriate financial access at an affordable cost is indispensable for the growth of MSEs as well as the financial wellbeing of the MSE operators. About 80% of the population in Cameroon operates in the informal sector, while about 98.5% of MSEs hardly have access to regulated finances, hence suffer from financial exclusion and poverty. This study seeks to analyze the extent to which financial inclusion can impact poverty alleviation among MSE operators in Cameroon. The relevant data for this study were sourced with the use of a closed ended structured questionnaire. Data analysis was by statistical inferences and modelling involving multiple regressions by the use of AMOS 24. The findings from the analysis reveals that financial knowledge and financial wellbeing have a significant positive influence on poverty alleviation amongst MSE operators in Cameroon. This study highlights that policy makers should promote the putting in place of financial literacy mechanisms and structures to facilitate the users of financial instruments better acquaint themselves with knowledge on the existent financial instruments as well as their proper usage.