{"id":"https://openalex.org/W852927622","doi":null,"title":"Modelling financial services adoption through an intermediary in South Africa : TAM and SEM approach","display_name":"Modelling financial services adoption through an intermediary in South Africa : TAM and SEM approach","publication_year":2013,"publication_date":"2013-04-04","ids":{"openalex":"https://openalex.org/W852927622","mag":"852927622"},"language":"en","primary_location":{"id":"pmh:oai:repository.up.ac.za:2263/25926","doi":null,"is_oa":true,"landing_page_url":"http://upetd.up.ac.za/thesis/available/etd-06282013-075001/","pdf_url":"http://hdl.handle.net/2263/25926","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":"Thesis"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/2263/25926","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5053018567","display_name":"John P Wentzel","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"John P Wentzel","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5053018567"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":3,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5859000086784363,"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"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5859000086784363,"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/T10068","display_name":"Technology Adoption and User Behaviour","score":0.3774000108242035,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.01360000018030405,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.8899999856948853},{"id":"https://openalex.org/keywords/bottom-of-the-pyramid","display_name":"bottom of the pyramid","score":0.9679999947547913},{"id":"https://openalex.org/keywords/technology-adoption","display_name":"technology adoption","score":0.6759999990463257},{"id":"https://openalex.org/keywords/financial-intermediaries","display_name":"financial intermediaries","score":0.8050000071525574},{"id":"https://openalex.org/keywords/technology-acceptance-model","display_name":"technology acceptance model","score":0.8650000095367432},{"id":"https://openalex.org/keywords/behavioral-intention","display_name":"behavioral intention","score":0.8180000185966492},{"id":"https://openalex.org/keywords/financial-exclusion","display_name":"financial exclusion","score":0.6850000023841858},{"id":"https://openalex.org/keywords/south-africa","display_name":"South Africa","score":0.6629999876022339}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5553690791130066},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.48085030913352966},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.33688753843307495},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2767214775085449},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.1854463517665863}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:repository.up.ac.za:2263/25926","doi":null,"is_oa":true,"landing_page_url":"http://upetd.up.ac.za/thesis/available/etd-06282013-075001/","pdf_url":"http://hdl.handle.net/2263/25926","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":"Thesis"},{"id":"mag:852927622","doi":null,"is_oa":false,"landing_page_url":"https://repository.up.ac.za/bitstream/handle/2263/25926/00front.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":{"id":"pmh:oai:repository.up.ac.za:2263/25926","doi":null,"is_oa":true,"landing_page_url":"http://upetd.up.ac.za/thesis/available/etd-06282013-075001/","pdf_url":"http://hdl.handle.net/2263/25926","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":"Thesis"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/1","display_name":"No poverty","score":0.8928999900817871},{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.7578999996185303}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W852927622.pdf","grobid_xml":"https://content.openalex.org/works/W852927622.grobid-xml"},"referenced_works_count":178,"referenced_works":["https://openalex.org/W18788239","https://openalex.org/W35427003","https://openalex.org/W62639009","https://openalex.org/W63652112","https://openalex.org/W65080050","https://openalex.org/W77508394","https://openalex.org/W115381321","https://openalex.org/W134888685","https://openalex.org/W136192584","https://openalex.org/W143399821","https://openalex.org/W171085588","https://openalex.org/W214429640","https://openalex.org/W642773142","https://openalex.org/W853975909","https://openalex.org/W1154807952","https://openalex.org/W1480414464","https://openalex.org/W1480415088","https://openalex.org/W1484864026","https://openalex.org/W1491644571","https://openalex.org/W1493790738","https://openalex.org/W1493845881","https://openalex.org/W1498750023","https://openalex.org/W1503436739","https://openalex.org/W1507004422","https://openalex.org/W1515402129","https://openalex.org/W1515587369","https://openalex.org/W1517947406","https://openalex.org/W1526382394","https://openalex.org/W1548632059","https://openalex.org/W1557992034","https://openalex.org/W1559777343","https://openalex.org/W1560371066","https://openalex.org/W1563377539","https://openalex.org/W1578907434","https://openalex.org/W1586144370","https://openalex.org/W1593544550","https://openalex.org/W1597676647","https://openalex.org/W1605176579","https://openalex.org/W1607675442","https://openalex.org/W1660498867","https://openalex.org/W1665332082","https://openalex.org/W1791587663","https://openalex.org/W1815596065","https://openalex.org/W1903417059","https://openalex.org/W1904056634","https://openalex.org/W1906809650","https://openalex.org/W1923038081","https://openalex.org/W1926028702","https://openalex.org/W1957480889","https://openalex.org/W1964194284","https://openalex.org/W1968524945","https://openalex.org/W1970811284","https://openalex.org/W1970878437","https://openalex.org/W1971410477","https://openalex.org/W1971440513","https://openalex.org/W1971726054","https://openalex.org/W1973143294","https://openalex.org/W1973552807","https://openalex.org/W1973948212","https://openalex.org/W1974343841","https://openalex.org/W1978181030","https://openalex.org/W1979503681","https://openalex.org/W1982728102","https://openalex.org/W1987604705","https://openalex.org/W1990290172","https://openalex.org/W1991425471","https://openalex.org/W1994263489","https://openalex.org/W2000117884","https://openalex.org/W2001404751","https://openalex.org/W2002374079","https://openalex.org/W2002813779","https://openalex.org/W2003446392","https://openalex.org/W2004147962","https://openalex.org/W2006912789","https://openalex.org/W2012179727","https://openalex.org/W2014543370","https://openalex.org/W2015346474","https://openalex.org/W2015394557","https://openalex.org/W2018201949","https://openalex.org/W2018393878","https://openalex.org/W2021716301","https://openalex.org/W2024218294","https://openalex.org/W2026042339","https://openalex.org/W2027860872","https://openalex.org/W2030360178","https://openalex.org/W2030630447","https://openalex.org/W2032677156","https://openalex.org/W2033943395","https://openalex.org/W2035205406","https://openalex.org/W2036127110","https://openalex.org/W2036131832","https://openalex.org/W2036389121","https://openalex.org/W2037668591","https://openalex.org/W2037701033","https://openalex.org/W2037958789","https://openalex.org/W2038402871","https://openalex.org/W2039404010","https://openalex.org/W2041094138","https://openalex.org/W2043867338","https://openalex.org/W2044846611","https://openalex.org/W2047598154","https://openalex.org/W2049053063","https://openalex.org/W2049139564","https://openalex.org/W2050077818","https://openalex.org/W2054805201","https://openalex.org/W2054955513","https://openalex.org/W2055056256","https://openalex.org/W2057379609","https://openalex.org/W2059334100","https://openalex.org/W2068719957","https://openalex.org/W2068801563","https://openalex.org/W2069861487","https://openalex.org/W2069863414","https://openalex.org/W2071435387","https://openalex.org/W2071666535","https://openalex.org/W2072500831","https://openalex.org/W2076508217","https://openalex.org/W2077371224","https://openalex.org/W2082357998","https://openalex.org/W2084413241","https://openalex.org/W2087397893","https://openalex.org/W2087442192","https://openalex.org/W2088504266","https://openalex.org/W2093693223","https://openalex.org/W2097525846","https://openalex.org/W2099697766","https://openalex.org/W2100379340","https://openalex.org/W2100408980","https://openalex.org/W2105153898","https://openalex.org/W2106637739","https://openalex.org/W2107031757","https://openalex.org/W2112042732","https://openalex.org/W2113168655","https://openalex.org/W2114061412","https://openalex.org/W2119681300","https://openalex.org/W2126035714","https://openalex.org/W2129748849","https://openalex.org/W2130801612","https://openalex.org/W2130881851","https://openalex.org/W2132605910","https://openalex.org/W2135617001","https://openalex.org/W2135650137","https://openalex.org/W2138672357","https://openalex.org/W2142018618","https://openalex.org/W2145500012","https://openalex.org/W2150376909","https://openalex.org/W2150482479","https://openalex.org/W2151377401","https://openalex.org/W2153101242","https://openalex.org/W2153408221","https://openalex.org/W2153739619","https://openalex.org/W2155173154","https://openalex.org/W2156813589","https://openalex.org/W2158805524","https://openalex.org/W2159401492","https://openalex.org/W2164085284","https://openalex.org/W2166982098","https://openalex.org/W2168569455","https://openalex.org/W2313438136","https://openalex.org/W2318094544","https://openalex.org/W2325488144","https://openalex.org/W2329925658","https://openalex.org/W2502856925","https://openalex.org/W2560722434","https://openalex.org/W2580494622","https://openalex.org/W2600909651","https://openalex.org/W2734684920","https://openalex.org/W2793679191","https://openalex.org/W2941406785","https://openalex.org/W2998984447","https://openalex.org/W3015924811","https://openalex.org/W3081347883","https://openalex.org/W3121396052","https://openalex.org/W3125827319","https://openalex.org/W3133236490","https://openalex.org/W3151380728","https://openalex.org/W4239166066","https://openalex.org/W4246191097"],"related_works":["https://openalex.org/W2095916269","https://openalex.org/W2104207696","https://openalex.org/W136494821","https://openalex.org/W2914067023","https://openalex.org/W60784478","https://openalex.org/W3133184755","https://openalex.org/W4411901102","https://openalex.org/W2230017462","https://openalex.org/W1593171009","https://openalex.org/W3108167034"],"abstract_inverted_index":{"One":[0,79],"of":[1,14,25,41,55,69,76,90,145,158,165,190,214,219,228,233,243,267,278,312,316,323,346],"the":[2,12,15,23,26,49,53,70,74,77,91,133,143,163,166,188,191,205,212,217,220,226,231,241,244,276,279,313,321,324,334,344,347],"most":[3],"pressing":[4],"needs":[5],"society":[6,56],"has":[7,132,152,204],"in":[8,38,246,281,296,300],"2012":[9],"is":[10,86,253,287,349],"addressing":[11,211],"plight":[13,213],"4":[16],"billion":[17],"people,":[18],"globally,":[19],"who":[20,94],"live":[21,72],"at":[22,73,162,187,216,240,275,320,343],"bottom":[24,75,89,164,189,218,242,277,322,345],"economic":[27,50],"pyramid.":[28,78,167,192,221],"Unless":[29],"initiatives":[30],"are":[31,95],"undertaken":[32],"to":[33,57,81,87,101,103,114,125,135,138,173,176,200,207,210,235,258,326,339],"alleviate":[34,82],"poverty":[35,83],"and":[36,48,84,117,141,230],"hardship":[37,85],"this":[39],"portion":[40,68],"society,":[42],"human":[43],"potential":[44,134,203,227],"will":[45,60],"be":[46,112,123],"wasted":[47],"burden":[51],"on":[52,155],"rest":[54],"support":[58],"them":[59],"remain":[61],"significant.":[62],"In":[63],"South":[64,247,282,301],"Africa":[65],"a":[66,256,297,336],"significant":[67],"population":[71],"initiative":[80],"enable":[88],"pyramid":[92,245,280,325,348],"people":[93,215,319],"excluded":[96,318],"from":[97],"formal":[98,107],"financial":[99,108,129,139,160,177,185,238,270,328,341],"services":[100,109,140,178,271,329],"access":[102,137,175],"them.":[104],"By":[105],"accessing":[106],"they":[110],"would":[111,121,196],"able":[113,124],"safely":[115],"save":[116],"borrow":[118],"money.":[119],"They":[120],"also":[122,181],"escape":[126],"exploitative":[127],"informal":[128],"practices.":[130],"Technology":[131,250],"expand":[136],"reduce":[142],"cost":[144],"service":[146],"provision.":[147],"To":[148],"date,":[149],"however,":[150],"it":[151],"not":[153,182],"delivered":[154],"its":[156],"promise":[157],"expanding":[159,237,340],"inclusion":[161,186,239,342],"Intermediaries,":[168],"too,":[169],"have":[170,180],"been":[171],"used":[172,254],"increase":[174],"but":[179],"successfully":[183,307],"expanded":[184],"Understanding":[193],"which":[194],"factors":[195],"allow":[197],"these":[198],"approaches":[199],"realize":[201],"their":[202],"ability":[206],"meaningfully":[208],"contribute":[209],"This":[222],"study":[223],"brings":[224],"together":[225],"technology":[229,268],"role":[232],"intermediaries":[234],"model":[236,263,286,306],"Africa.":[248,283,302],"The":[249,284,303],"Acceptance":[251],"Model":[252],"as":[255],"basis":[257],"propose":[259],"an":[260,273,331],"extended":[261,304],"TAM":[262,305],"that":[264],"explains":[265,308],"adoption":[266],"enabled":[269],"through":[272,330],"intermediary":[274],"proposed":[285],"validated":[288],"using":[289],"structural":[290],"equation":[291],"modelling":[292],"with":[293],"data":[294],"collected":[295],"national":[298],"survey":[299],"more":[309],"than":[310],"90%":[311],"behavioural":[314],"intention":[315],"financially":[317],"adopt":[327],"intermediary.":[332],"Using":[333],"findings,":[335],"strategic":[337],"approach":[338],"proposed.":[350]},"counts_by_year":[{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":1},{"year":2013,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}