{"id":"https://openalex.org/W14465739","doi":null,"title":"The propensity to adopt mobile banking among the unbanked at the base of the pyramid in South Africa","display_name":"The propensity to adopt mobile banking among the unbanked at the base of the pyramid in South Africa","publication_year":2012,"publication_date":"2012-03-08","ids":{"openalex":"https://openalex.org/W14465739","mag":"14465739"},"language":"en","primary_location":{"id":"pmh:oai:repository.up.ac.za:2263/23970","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/2263/23970","pdf_url":null,"source":{"id":"https://openalex.org/S4306401870","display_name":"UpSpace Institutional Repository (University of Pretoria)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I69552723","host_organization_name":"University of Pretoria","host_organization_lineage":["https://openalex.org/I69552723"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Dissertation"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5077818944","display_name":"Wadzanai Cheryl Machena","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Wadzanai Cheryl Machena","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5077818944"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9312000274658203,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9312000274658203,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.04960000142455101,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.003000000026077032,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-banking-adoption","display_name":"mobile banking adoption","score":0.8769999742507935},{"id":"https://openalex.org/keywords/unbanked-populations","display_name":"unbanked populations","score":0.7350000143051147},{"id":"https://openalex.org/keywords/bottom-of-the-pyramid","display_name":"bottom of the pyramid","score":0.9559999704360962},{"id":"https://openalex.org/keywords/financial-exclusion","display_name":"financial exclusion","score":0.9409999847412109},{"id":"https://openalex.org/keywords/informal-settlements","display_name":"informal settlements","score":0.8610000014305115},{"id":"https://openalex.org/keywords/technology-adoption","display_name":"technology adoption","score":0.640999972820282},{"id":"https://openalex.org/keywords/mobile-application","display_name":"mobile application","score":0.39500001072883606},{"id":"https://openalex.org/keywords/south-africa","display_name":"South Africa","score":0.5080000162124634}],"concepts":[{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.9373241662979126},{"id":"https://openalex.org/C142575187","wikidata":"https://www.wikidata.org/wiki/Q3358290","display_name":"Pyramid (geometry)","level":2,"score":0.6351667642593384},{"id":"https://openalex.org/C42058472","wikidata":"https://www.wikidata.org/wiki/Q810214","display_name":"Base (topology)","level":2,"score":0.5738257765769958},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4565153121948242},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.32486197352409363},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.17852497100830078},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.10892754793167114},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.0861891508102417},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.0679958164691925},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0},{"id":"https://openalex.org/C134306372","wikidata":"https://www.wikidata.org/wiki/Q7754","display_name":"Mathematical analysis","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:repository.up.ac.za:2263/23970","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/2263/23970","pdf_url":null,"source":{"id":"https://openalex.org/S4306401870","display_name":"UpSpace Institutional Repository (University of Pretoria)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I69552723","host_organization_name":"University of Pretoria","host_organization_lineage":["https://openalex.org/I69552723"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Dissertation"},{"id":"mag:14465739","doi":null,"is_oa":false,"landing_page_url":"https://repository.up.ac.za/bitstream/handle/2263/23970/dissertation.pdf?sequence=1&isAllowed=y","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Reduced inequalities","score":0.7307999730110168,"id":"https://metadata.un.org/sdg/10"},{"display_name":"No poverty","score":0.41670000553131104,"id":"https://metadata.un.org/sdg/1"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":42,"referenced_works":["https://openalex.org/W94059066","https://openalex.org/W172618368","https://openalex.org/W184360280","https://openalex.org/W268016868","https://openalex.org/W774205916","https://openalex.org/W1527165181","https://openalex.org/W1546375055","https://openalex.org/W1571167924","https://openalex.org/W1574470037","https://openalex.org/W1791587663","https://openalex.org/W1850149295","https://openalex.org/W1911008268","https://openalex.org/W1926028702","https://openalex.org/W1982728102","https://openalex.org/W1990513740","https://openalex.org/W1995142570","https://openalex.org/W1997922838","https://openalex.org/W2012389722","https://openalex.org/W2013994349","https://openalex.org/W2015394557","https://openalex.org/W2025055001","https://openalex.org/W2029098683","https://openalex.org/W2033943395","https://openalex.org/W2055056256","https://openalex.org/W2080414911","https://openalex.org/W2082357998","https://openalex.org/W2085630429","https://openalex.org/W2088135512","https://openalex.org/W2093275354","https://openalex.org/W2100408980","https://openalex.org/W2104652937","https://openalex.org/W2113844427","https://openalex.org/W2131396983","https://openalex.org/W2133207356","https://openalex.org/W2138672743","https://openalex.org/W2146266464","https://openalex.org/W2152226178","https://openalex.org/W2730750322","https://openalex.org/W2742751507","https://openalex.org/W3121682129","https://openalex.org/W3122763283","https://openalex.org/W3124990811"],"related_works":["https://openalex.org/W136494821","https://openalex.org/W2953983220","https://openalex.org/W1545302324","https://openalex.org/W2900740679","https://openalex.org/W7018968494","https://openalex.org/W3208177415","https://openalex.org/W2783025206","https://openalex.org/W3034457060","https://openalex.org/W1904501199","https://openalex.org/W2976546601"],"abstract_inverted_index":{"The":[0,50,62,109],"increasing":[1],"mobile":[2,19,33,48,51,86,100,131,150,160],"penetration":[3],"rates":[4],"in":[5,81,115,119,198],"Africa":[6,83],"provide":[7,23],"an":[8,24,116],"interesting":[9],"opportunity":[10],"to":[11,68,84,94,98,107,126,140],"mitigate":[12],"financial":[13,44],"exclusion":[14],"on":[15,31,46,177],"the":[16,32,35,65,70,73,76,79,136,142,145,153,172,175,178,184,191],"continent.":[17],"Through":[18],"phone":[20,52],"applications":[21],"that":[22,29,147,159],"electronic":[25],"store":[26],"of":[27,64,78,129,135,144,166,174,180,193,200],"value":[28],"sits":[30],"phone,":[34],"unbanked":[36,74,122],"poor":[37],"can":[38],"now":[39],"access":[40,125],"accounts":[41],"and":[42,57,123,186,190,204],"initiate":[43],"transactions":[45],"their":[47,96],"phone.":[49,132],"presents":[53],"a":[54,130,163],"more":[55],"affordable":[56],"accessible":[58],"channel":[59],"for":[60,72,111],"transacting.":[61],"aim":[63],"research":[66],"was":[67,157],"determine":[69,95,141],"inclination":[71],"at":[75,171],"base":[77,173],"pyramid":[80,176],"South":[82],"adopt":[85,99,149],"banking.":[87],"In":[88],"total,":[89],"100":[90],"individuals":[91,170],"were":[92,104,113,138],"interviewed":[93],"propensity":[97],"banking":[101,151,161],"if":[102],"it":[103,188],"made":[105],"available":[106],"them.":[108],"criteria":[110],"selection":[112],"residence":[114],"informal":[117],"settlement":[118],"Gauteng,":[120],"being":[121,167],"having":[124],"or":[127],"ownership":[128],"Graphical":[133],"representations":[134],"findings":[137],"analysed":[139],"proportion":[143],"sample":[146],"would":[148],"under":[152],"various":[154],"constructs.":[155],"It":[156],"concluded":[158],"had":[162],"high":[164],"likelihood":[165],"adopted":[168],"by":[169],"basis":[179],"its":[181,194],"low":[182],"cost,":[183],"convenience":[185],"security":[187],"offered,":[189],"ease":[192],"use.":[195],"Additional":[196],"factors":[197],"favour":[199],"adoption":[201],"included":[202],"observability":[203],"trialability.":[205],"Copyright":[206]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}
