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(In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town
This research explores and identifies the various reasons for which informal traders in Cape Town, South Africa, do not adopt mobile payment technology and prefer cash. In the informal economy, a cash preference creates challenges such as financial exclusion (Bromley, 2006; Donner & Tellez, 2008; Bl...
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| Format: | Thesis |
| Language: | English |
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Research of GSB
2017
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| _version_ | 1867613773903167488 |
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| access_status_str | Open Access |
| author | Nteta, Zarina |
| author2 | Ngwenyama, Ojelanki |
| author_browse | Ngwenyama, Ojelanki Nteta, Zarina |
| author_facet | Ngwenyama, Ojelanki Nteta, Zarina |
| author_sort | Nteta, Zarina |
| collection | Thesis |
| description | This research explores and identifies the various reasons for which informal traders in Cape Town, South Africa, do not adopt mobile payment technology and prefer cash. In the informal economy, a cash preference creates challenges such as financial exclusion (Bromley, 2006; Donner & Tellez, 2008; Blanco et al., 2009; Bick et al., 2009; Kendall et al., 2014). Recently, with the mobile phone's ubiquity, mobile payments have emerged as one of the ways to enable access to finance for underbanked or unbanked people, primarily because mobile payments are considered low-cost and easy to use (Donovan, 2012; Mbogo, 2010; Maurer, 2012). However, research reflects low adoption of mobile payments in South Africa (Pew Research Centre, 2015). In light of this low adoption, this research is interested in asking: 'Why don't informal traders in Cape Town, South Africa use mobile payment facilities?' This research explores this question through the critical social theory perspective. This qualitative study was conducted in four trading locations in Cape Town's inner city over June to September 2015. Primary data was collected through semi-structured face to face interviews with twenty informal traders, and participant observations. The empirical findings demonstrate that social and cultural factors influence non-adoption. The theoretical contribution made in this paper is the contributes to the development ofmodification of the Technology Acceptance Model (TAM, 1989). The modified model places social and cultural factors as central to the determinants of adoption. This modified TAM contributes towards the field of mobile technology acceptance research in South Africa, and is a response to the call for information systems research exploring social and cultural explanations for adoption or non-adoption (Lee, 2003; Bagozzi, 2003; Ventakesh, 2007; Dahlberg et al., 2008; Donner & Tellez, 2008; William et al., 2009; Crabbe et al., 2009; Morawczynski, 2009). |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/24921 |
| institution | University of Cape Town (South Africa) |
| language | eng |
| last_indexed | 2026-06-10T12:41:29.138Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2017 |
| publishDateRange | 2017 |
| publishDateSort | 2017 |
| publisher | Research of GSB |
| publisherStr | Research of GSB |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/24921 (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town Nteta, Zarina Ngwenyama, Ojelanki Inclusive Innovation This research explores and identifies the various reasons for which informal traders in Cape Town, South Africa, do not adopt mobile payment technology and prefer cash. In the informal economy, a cash preference creates challenges such as financial exclusion (Bromley, 2006; Donner & Tellez, 2008; Blanco et al., 2009; Bick et al., 2009; Kendall et al., 2014). Recently, with the mobile phone's ubiquity, mobile payments have emerged as one of the ways to enable access to finance for underbanked or unbanked people, primarily because mobile payments are considered low-cost and easy to use (Donovan, 2012; Mbogo, 2010; Maurer, 2012). However, research reflects low adoption of mobile payments in South Africa (Pew Research Centre, 2015). In light of this low adoption, this research is interested in asking: 'Why don't informal traders in Cape Town, South Africa use mobile payment facilities?' This research explores this question through the critical social theory perspective. This qualitative study was conducted in four trading locations in Cape Town's inner city over June to September 2015. Primary data was collected through semi-structured face to face interviews with twenty informal traders, and participant observations. The empirical findings demonstrate that social and cultural factors influence non-adoption. The theoretical contribution made in this paper is the contributes to the development ofmodification of the Technology Acceptance Model (TAM, 1989). The modified model places social and cultural factors as central to the determinants of adoption. This modified TAM contributes towards the field of mobile technology acceptance research in South Africa, and is a response to the call for information systems research exploring social and cultural explanations for adoption or non-adoption (Lee, 2003; Bagozzi, 2003; Ventakesh, 2007; Dahlberg et al., 2008; Donner & Tellez, 2008; William et al., 2009; Crabbe et al., 2009; Morawczynski, 2009). 2017-08-23T12:44:49Z 2017-08-23T12:44:49Z 2017 Master Thesis Masters MPhil http://hdl.handle.net/11427/24921 eng application/pdf Research of GSB Faculty of Commerce University of Cape Town |
| spellingShingle | Inclusive Innovation Nteta, Zarina (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town |
| thesis_degree_str | Master's |
| title | (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town |
| title_full | (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town |
| title_fullStr | (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town |
| title_full_unstemmed | (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town |
| title_short | (In)formality in Africa: Exploring the social and cultural factors influencing mobile payment non-adoption by informal traders in Cape Town |
| title_sort | in formality in africa exploring the social and cultural factors influencing mobile payment non adoption by informal traders in cape town |
| topic | Inclusive Innovation |
| url | http://hdl.handle.net/11427/24921 |
| work_keys_str_mv | AT ntetazarina informalityinafricaexploringthesocialandculturalfactorsinfluencingmobilepaymentnonadoptionbyinformaltradersincapetown |