{"id":"https://openalex.org/W2022434579","doi":"https://doi.org/10.1145/2537052.2537070","title":"A social network-based architecture for on-line RoSCAs in the developing world","display_name":"A social network-based architecture for on-line RoSCAs in the developing world","publication_year":2013,"publication_date":"2013-12-06","ids":{"openalex":"https://openalex.org/W2022434579","doi":"https://doi.org/10.1145/2537052.2537070","mag":"2022434579"},"language":"en","primary_location":{"id":"doi:10.1145/2537052.2537070","is_oa":false,"landing_page_url":"https://doi.org/10.1145/2537052.2537070","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 4th Annual Symposium on Computing for Development","raw_type":"proceedings-article"},"type":"article","indexed_in":["crossref"],"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/A5067485038","display_name":"Gilles Kounou","orcid":null},"institutions":[{"id":"https://openalex.org/I4210119417","display_name":"Universit\u00e9 d'Abomey-Calavi","ror":"https://ror.org/03gzr6j88","country_code":"BJ","type":"education","lineage":["https://openalex.org/I4210119417"]}],"countries":["BJ"],"is_corresponding":false,"raw_author_name":"Gilles Kounou","raw_affiliation_strings":["University of Abomey-Calavi, Republic of Benin"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Abomey-Calavi, Republic of Benin","institution_ids":["https://openalex.org/I4210119417"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5079860215","display_name":"Christian Akpona","orcid":null},"institutions":[{"id":"https://openalex.org/I4210119417","display_name":"Universit\u00e9 d'Abomey-Calavi","ror":"https://ror.org/03gzr6j88","country_code":"BJ","type":"education","lineage":["https://openalex.org/I4210119417"]}],"countries":["BJ"],"is_corresponding":false,"raw_author_name":"Christian Akpona","raw_affiliation_strings":["University of Abomey-Calavi, Republic of Benin"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Abomey-Calavi, Republic of Benin","institution_ids":["https://openalex.org/I4210119417"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5051622892","display_name":"Herve Ahouantchede","orcid":null},"institutions":[{"id":"https://openalex.org/I4210119417","display_name":"Universit\u00e9 d'Abomey-Calavi","ror":"https://ror.org/03gzr6j88","country_code":"BJ","type":"education","lineage":["https://openalex.org/I4210119417"]}],"countries":["BJ"],"is_corresponding":false,"raw_author_name":"Herve Ahouantchede","raw_affiliation_strings":["University of Abomey-Calavi, Republic of Benin"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Abomey-Calavi, Republic of Benin","institution_ids":["https://openalex.org/I4210119417"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5002706362","display_name":"Rose Gohoue","orcid":null},"institutions":[{"id":"https://openalex.org/I4210119417","display_name":"Universit\u00e9 d'Abomey-Calavi","ror":"https://ror.org/03gzr6j88","country_code":"BJ","type":"education","lineage":["https://openalex.org/I4210119417"]}],"countries":["BJ"],"is_corresponding":false,"raw_author_name":"Rose Gohoue","raw_affiliation_strings":["University of Abomey-Calavi, Republic of Benin"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Abomey-Calavi, Republic of Benin","institution_ids":["https://openalex.org/I4210119417"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5080823742","display_name":"Fatna Belqasmi","orcid":"https://orcid.org/0000-0002-0908-8016"},"institutions":[{"id":"https://openalex.org/I91044093","display_name":"Zayed University","ror":"https://ror.org/03snqfa66","country_code":"AE","type":"education","lineage":["https://openalex.org/I91044093"]}],"countries":["AE"],"is_corresponding":false,"raw_author_name":"Fatna Belqasmi","raw_affiliation_strings":["Zayed University, Abu Dhabi, United Arab Emirates"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Zayed University, Abu Dhabi, United Arab Emirates","institution_ids":["https://openalex.org/I91044093"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5041878389","display_name":"Roch Glitho","orcid":"https://orcid.org/0000-0002-7699-0296"},"institutions":[{"id":"https://openalex.org/I4210119417","display_name":"Universit\u00e9 d'Abomey-Calavi","ror":"https://ror.org/03gzr6j88","country_code":"BJ","type":"education","lineage":["https://openalex.org/I4210119417"]},{"id":"https://openalex.org/I60158472","display_name":"Concordia University","ror":"https://ror.org/0420zvk78","country_code":"CA","type":"education","lineage":["https://openalex.org/I60158472"]}],"countries":["BJ","CA"],"is_corresponding":false,"raw_author_name":"Roch Glitho","raw_affiliation_strings":["University of Abomey-Calavi, Republic of Benin and Concordia University Montreal, Canada"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Abomey-Calavi, Republic of Benin and Concordia University Montreal, Canada","institution_ids":["https://openalex.org/I4210119417","https://openalex.org/I60158472"]}]}],"institutions":[],"countries_distinct_count":3,"institutions_distinct_count":6,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":4,"citation_normalized_percentile":{"value":0.16730412,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":90,"max":96},"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"2"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.9965999722480774,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.9965999722480774,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11499","display_name":"ICT Impact and Policies","score":0.9772999882698059,"subfield":{"id":"https://openalex.org/subfields/2214","display_name":"Media Technology"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11478","display_name":"Caching and Content Delivery","score":0.9064000248908997,"subfield":{"id":"https://openalex.org/subfields/1705","display_name":"Computer Networks and Communications"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/architecture","display_name":"Architecture","score":0.7177444696426392},{"id":"https://openalex.org/keywords/the-internet","display_name":"The Internet","score":0.6724680662155151},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6382567882537842},{"id":"https://openalex.org/keywords/offset","display_name":"Offset (computer science)","score":0.5614392757415771},{"id":"https://openalex.org/keywords/social-network","display_name":"Social network (sociolinguistics)","score":0.5065802335739136},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.5039212107658386},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"Financial literacy","score":0.4686901867389679},{"id":"https://openalex.org/keywords/developing-country","display_name":"Developing country","score":0.4492703974246979},{"id":"https://openalex.org/keywords/line","display_name":"Line (geometry)","score":0.4374505579471588},{"id":"https://openalex.org/keywords/network-architecture","display_name":"Network architecture","score":0.42607975006103516},{"id":"https://openalex.org/keywords/financial-transaction","display_name":"Financial transaction","score":0.42052966356277466},{"id":"https://openalex.org/keywords/internet-access","display_name":"Internet access","score":0.4109363555908203},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.40800148248672485},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.3648659586906433},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.33151715993881226},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.3051753640174866},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.29869192838668823},{"id":"https://openalex.org/keywords/social-media","display_name":"Social media","score":0.21935009956359863},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.1853397786617279},{"id":"https://openalex.org/keywords/economic-growth","display_name":"Economic growth","score":0.15266746282577515},{"id":"https://openalex.org/keywords/database","display_name":"Database","score":0.1263273060321808},{"id":"https://openalex.org/keywords/geography","display_name":"Geography","score":0.11116600036621094}],"concepts":[{"id":"https://openalex.org/C123657996","wikidata":"https://www.wikidata.org/wiki/Q12271","display_name":"Architecture","level":2,"score":0.7177444696426392},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.6724680662155151},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6382567882537842},{"id":"https://openalex.org/C175291020","wikidata":"https://www.wikidata.org/wiki/Q1156822","display_name":"Offset (computer science)","level":2,"score":0.5614392757415771},{"id":"https://openalex.org/C4727928","wikidata":"https://www.wikidata.org/wiki/Q17164759","display_name":"Social network (sociolinguistics)","level":3,"score":0.5065802335739136},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5039212107658386},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.4686901867389679},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.4492703974246979},{"id":"https://openalex.org/C198352243","wikidata":"https://www.wikidata.org/wiki/Q37105","display_name":"Line (geometry)","level":2,"score":0.4374505579471588},{"id":"https://openalex.org/C193415008","wikidata":"https://www.wikidata.org/wiki/Q639681","display_name":"Network architecture","level":2,"score":0.42607975006103516},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.42052966356277466},{"id":"https://openalex.org/C83849155","wikidata":"https://www.wikidata.org/wiki/Q1472399","display_name":"Internet access","level":3,"score":0.4109363555908203},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.40800148248672485},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.3648659586906433},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.33151715993881226},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3051753640174866},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.29869192838668823},{"id":"https://openalex.org/C518677369","wikidata":"https://www.wikidata.org/wiki/Q202833","display_name":"Social media","level":2,"score":0.21935009956359863},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.1853397786617279},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.15266746282577515},{"id":"https://openalex.org/C77088390","wikidata":"https://www.wikidata.org/wiki/Q8513","display_name":"Database","level":1,"score":0.1263273060321808},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.11116600036621094},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1145/2537052.2537070","is_oa":false,"landing_page_url":"https://doi.org/10.1145/2537052.2537070","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 4th Annual Symposium on Computing for Development","raw_type":"proceedings-article"},{"id":"pmh:oai:https://spectrum.library.concordia.ca:980044","is_oa":false,"landing_page_url":null,"pdf_url":null,"source":{"id":"https://openalex.org/S4306400871","display_name":"Spectrum Research Repository (Concordia University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I60158472","host_organization_name":"Concordia University","host_organization_lineage":["https://openalex.org/I60158472"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":"","raw_type":"Conference or Workshop Item"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.8299999833106995,"display_name":"Quality Education","id":"https://metadata.un.org/sdg/4"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":8,"referenced_works":["https://openalex.org/W72347498","https://openalex.org/W1934876896","https://openalex.org/W2026194281","https://openalex.org/W2033010331","https://openalex.org/W2078545362","https://openalex.org/W2098827822","https://openalex.org/W2113906771","https://openalex.org/W2129421350"],"related_works":["https://openalex.org/W3108369527","https://openalex.org/W3132432901","https://openalex.org/W4401524915","https://openalex.org/W1632279219","https://openalex.org/W3092130991","https://openalex.org/W2934829600","https://openalex.org/W1978126407","https://openalex.org/W1538537539","https://openalex.org/W3122285806","https://openalex.org/W2809054632"],"abstract_inverted_index":{"Rotating":[0],"Saving":[1],"and":[2,24,35,70],"Credit":[3],"Associations":[4],"(RoSCA)":[5],"(known":[6],"as":[7,90],"tontines":[8],"in":[9,39,77,107,128],"francophone":[10],"Africa)":[11],"are":[12,32,36,158],"financial":[13,59],"systems":[14,34,65],"involving":[15],"groups":[16],"of":[17,88,92],"individuals":[18],"who":[19,104],"put":[20],"money":[21],"together":[22],"periodically":[23],"take":[25],"turns":[26],"to":[27,57,134,149,154,160],"collect":[28],"the":[29,40,86,136,162],"kitty.":[30],"They":[31],"off-line":[33],"very":[37],"popular":[38],"developing":[41,130],"world.":[42],"However,":[43],"they":[44],"now":[45,67],"face":[46],"several":[47],"challenges":[48],"(e.g.":[49,142],"geographical":[50],"distance":[51],"between":[52],"participants,":[53],"safety":[54],"risks":[55],"related":[56],"manual":[58],"operations).":[60],"An":[61],"evolution":[62],"towards":[63],"on-line":[64,117],"is":[66,73,126,132],"a":[68,74,93],"necessity":[69],"this":[71],"paper":[72],"first":[75],"step":[76],"that":[78,125],"direction.":[79],"It":[80,113],"proposes":[81],"an":[82,116],"architecture":[83],"which":[84],"handles":[85],"participants":[87],"ROSCAs":[89],"end-users":[91,103],"social":[94,98],"network.":[95],"The":[96,120],"proposed":[97],"network":[99,123],"accommodates":[100],"poorly":[101],"literate":[102],"may":[105],"live":[106],"areas":[108],"with":[109],"no":[110],"Internet":[111,138],"connection.":[112],"also":[114],"integrates":[115],"payment":[118],"system.":[119],"rich":[121],"cellular":[122],"connectivity":[124],"commonplace":[127],"most":[129],"countries":[131],"used":[133,159],"offset":[135],"poor":[137],"connectivity.":[139],"Speech":[140],"technologies":[141],"Interactive":[143],"Voice":[144],"Response":[145],"--":[146,151,156],"IVR,":[147],"speech":[148,155],"text":[150,153],"STT,":[152],"TTS)":[157],"address":[161],"literacy":[163],"issue.":[164]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":2}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}
