This study sought to examine the factors contributing to the BoP group’s behavioural intention to adopt MFS in South Africa. Yet, not all emerging economies fully experience these benefits, especially in sub-Saharan Africa and more specifically the bottom of the pyramid (BoP) group of individuals who are characterised as the world’s poorest consumers, living primarily in the informal sector. Through MFS, benefits associated with economic financial inclusion and economic growth and opportunities could be realised. Mobile financial services (MFSs) are perceived to be a potential solution in addressing emerging economies’ challenges. This is an Open Access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution,Īnd reproduction in any medium, provided the original work is properly cited. Mobile financial services for bottom of pyramid users: Reality or pipe dream?Ĭlement Makholwa, Adheesh Budree, Salah Kabanda Note: Special Collection: Mobile Technology within the 4IR era - Africa answering the call. & Kabanda, S., 2020, ‘Mobile financial services for bottom of pyramid users: Reality or pipe dream?’, The Journal for Transdisciplinary Research in Southern Africa 16(1), a809.
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