Challenges, Benefits, and Adoption Dynamics of Mobile Banking at the Base of the Pyramid (BOP) in Africa: A Systematic Review

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dc.citation.doihttps://doi.org/10.23962/10539/26113
dc.citation.epage49en_ZA
dc.citation.issue21en_ZA
dc.citation.spage21en_ZA
dc.contributor.authorPankomera, Richard
dc.contributor.authorVan Greunen, Darelle
dc.date.accessioned2018-11-22T18:09:38Z
dc.date.available2018-11-22T18:09:38Z
dc.date.issued2018-11-23
dc.description.abstractIncreased mobile penetration in Africa offers great potential to accelerate financial inclusion through increased adoption of mobile banking by people at the base of the pyramid (BOP) on the continent. This article provides results from a systematic review of existing research findings on the challenges, benefits and adoption dynamics of mobile banking at the BOP in Africa. The systematic review, which followed PRISMA (preferred reporting items for systematic reviews and meta-analyses) guidelines, identifies the following key challenges for mobile banking diffusion at the BOP on the continent: poor mobile connectivity; lack of awareness of mobile banking services; illiteracy; poverty; lack of trust due to perceived security risks; legal and regulatory frameworks; and cultural factors. Based on analysis of these challenges, and of the benefits and adoption dynamics also identified, the article provides recommendations for how mobile banking services can be more sustainably implemented for the benefit of people at the BOP in Africa.en_ZA
dc.description.librarianCA2018en_ZA
dc.identifier.citationPankomera, R., & Van Greunen, D. (2018). Challenges, benefits, and adoption dynamics of mobile banking at the base of the pyramid (BOP) in Africa: A systematic review. The African Journal of Information and Communication (AJIC), 21, 21–49. https://doi.org/10.23962/10539/26113en_ZA
dc.identifier.issn2077-7205 (print version)
dc.identifier.issn2077-7213 (online version)
dc.identifier.urihttps://hdl.handle.net/10539/26113
dc.identifier.urihttps://doi.org/10.23962/10539/26113
dc.journal.titleThe African Journal of Information and Communication (AJIC)en_ZA
dc.journal.volumeen_ZA
dc.language.isoenen_ZA
dc.orcid.idhttps://orcid.org/0000-0001-9422-4248en_ZA
dc.orcid.idhttps://orcid.org/0000-0002-0761-713Xen_ZA
dc.publisherLINK Centre, University of the Witwatersrand (Wits), Johannesburgen_ZA
dc.subjectmobile banking, financial inclusion, base of the pyramid (BOP), Africa; PRISMA (preferred reporting items for systematic reviews and meta-analyses), challenges, benefits, adoption dynamics, technology acceptance model (TAM), unified theory of acceptance and use of technology (UTAUT)en_ZA
dc.titleChallenges, Benefits, and Adoption Dynamics of Mobile Banking at the Base of the Pyramid (BOP) in Africa: A Systematic Reviewen_ZA
dc.typeArticleen_ZA
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AJIC Issue 21, 2018