Emerging marketsIT and the world's "bottom billion"

Heeks, Richard

doi:10.1145/1498765.1498776

Cited by 15 publications

(11 citation statements)

References 1 publication

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In future, social cash managers and m-banking providers may consider using a bottom-up and participatory approach, involving users during the design and construction of technology. This would enable the design of more user-friendly digital interfaces to foster pro-poor growth at the Bottom of the Pyramid (Heeks, 2009(Heeks, , 2010. In addition, m-banking providers may deploy more flexible m-banking models that increase user's access to a variety of financial services.…”

Section: Conclusion and Contributions To Knowledgementioning

confidence: 99%

Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan

Kemal

2018

Information Technology for Development

View full text Add to dashboard Cite

Whilst there have been growing interest and efforts by governments in developing countries to disburse digital government-to-person (G2P) payments to promote financial inclusion, the role of mobile banking in the receipt of social cash remains under-researched. Through an interpretive case study of the Benazir Income Support Programme (BISP) in Pakistan, this paper applies Orlikowski's Duality of Technology that critically examines mobile banking usage by women beneficiaries and technology's effects on the institutional properties of their households. Qualitative data were collected through semistructured interviews from participants located in Pakistan. The findings highlighted that mobile banking enabled women to receive the full amount of grants, securely and conveniently, from agents. However, mobile banking imposed human, socioeconomic and technological constraints which restricted women's access to and usage of financial services that limited financial inclusion. Women were socially and politically empowered, thereby, social inclusion was transformative. This paper theoretically contributes to the Duality of Technology framework that was deterministic for women beneficiaries. The study accentuates the redesign of mobile banking to match women's capabilities, and imparting financial and digital training to them. Also, the provision of a range of financial resources to beneficiaries may steer micro-entrepreneurial activities to advance the inclusion agenda in Pakistan.

show abstract

Section: Conclusion and Contributions To Knowledgementioning

confidence: 99%

Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan

Kemal

2018

Information Technology for Development

View full text Add to dashboard Cite

show abstract

“…"These are the citizens who inhabit the Fourth World that sits beneath the Third World; some dozens of countries that, in the words of economist Paul Collier are falling behind, and often falling apart" (Collier 2008). Heeks (2009) stated that users in the bottom of the pyramid are non-IT literate. However he says that the situation is changing.…”

Section: Scope Definitions and Classificationmentioning

confidence: 99%

“…For example, it is common practice in the rural areas in South Africa to have a communal mobile phone for the whole village thereby providing Internet connectivity in reach of the users in the bottom of the pyramid. "Internet connectivity is also growing fast: by 42 % per annum in the bottom of the pyramid, compared to 18 % in Europe" (Heeks 2009). …”

Section: Scope Definitions and Classificationmentioning

confidence: 99%

GUI 4D—The Role and the Impact of Visual, Multimedia and Multilingual User Interfaces in ICT Applications and Services for Users Coming from the Bottom of the Pyramid—First Concepts, Prototypes and Experiences

Baduza¹,

Eloff²,

Kok³

et al. 2012

Expanding the Frontiers of Visual Analytics and Visualization

View full text Add to dashboard Cite

Graphical User Interfaces (GUI) are discussed in the context of being used by users coming from the "bottom of the pyramid" to interact with and to run ICT (Information and Communication Technologies) applications for real life usage in their developing world. These interfaces are called "GUI 4D" (Graphical User Interfaces for Development). GUI 4D methodologies are a key aspect in enabling the users in the bottom of the pyramid to become part-within their own needs and capabilities-of integrated value/business chains, and also in finally closing both the digital and the social gap. They are presented and discussed here first from a technical and from an implementation point of view and considerations are also given on how the corresponding requirements, constraints and specifications are developed and used for GUI 4D implementations. Several examples, case studies and use cases from ongoing research projects, from existing pilots and prototypes and from related initiatives in Africa are presented. Some analysis of system adoption and the perceived benefits from using GUI 4D's are then given and discussed. The chapter concludes with a brief consideration of target applications and markets for GUI 4D's in the developing world, taking into consideration the dependencies and

show abstract

“…The "digital divide" has caused considerable differences in economic development. Much more recently, however, with the help of national governments, NGOs, Industries, and international assistance, many developing countries have made some progress in beginning to close this gap to some extent, particularly in the case of mobile devices, which do not require a wired infrastructure and are generally fairly user-friendly and easy to use (Heeks, 2009). …”

Section: Introductionmentioning

confidence: 99%

“…Research studies point out that the national culture and policies play a dominant role in the planning and implementing ICT in developing countries. There needs to be a match between ICTs and national culture, particularly in historically technologically underserved developing nations (Heeks, 2009). Our research study focuses on the analysis of this aspect in understanding ICT promotion and use in developing countries.…”

Section: Introductionmentioning

confidence: 99%

SWOT analysis of mobile phones in four countries: Comparing India, Ethiopia, Kuwait, and the United States

Fleischmann

Srikantaiah

2011

Proc. Am. Soc. Info. Sci. Tech.

View full text Add to dashboard Cite

This study explores the relationship between mobile technologies and economic and social development in four countries, two developed (USA and Kuwait) and two developing countries (Ethiopia and India) using SWOT (strengths, weaknesses, opportunities, and threats) analysis. Mobile technologies are a significant part of ICT investment around the world and they play an increasing role in sectors such as education, agriculture, industry, and health sciences. This investment and development applies not only to the urban environment but also extends to rural areas. This paper discusses the economic and social impact in those sectors and outlines the benefits. The analysis also considers the commitment of the government and industry in influencing "product and process" areas of mobile technologies and the innovative approaches carried out to meet the needs of the market environment.

show abstract

Emerging marketsIT and the world's "bottom billion"

Abstract: How can information technology be best applied to address problems and provide opportunities for inhabitants of the world's poorest countries?

Cited by 15 publications

References 1 publication

Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan

Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan

GUI 4D—The Role and the Impact of Visual, Multimedia and Multilingual User Interfaces in ICT Applications and Services for Users Coming from the Bottom of the Pyramid—First Concepts, Prototypes and Experiences

SWOT analysis of mobile phones in four countries: Comparing India, Ethiopia, Kuwait, and the United States

Contact Info

Product

Resources

About