Full Text Available
Note: Clicking the button above will open the full text document at the original institutional repository in a new window.
Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector
This study investigates the factors influencing the adoption of interoperability among Mobile Money Service Providers (MMSPs) in South Africa, focusing on the implications for financial inclusion and barriers to business-to-business collaboration. Despite the rapid expansion of mobile money platform...
Saved in:
| Main Author: | |
|---|---|
| Other Authors: | |
| Format: | Thesis |
| Language: | English Eng |
| Published: |
Graduate School of Business (GSB)
2025
|
| Subjects: | |
| Tags: |
No Tags, Be the first to tag this record!
|
| _version_ | 1867613172753498112 |
|---|---|
| access_status_str | Open Access |
| author | Zheng, Wenbo |
| author2 | Peter, Camaren |
| author_browse | Peter, Camaren Zheng, Wenbo |
| author_facet | Peter, Camaren Zheng, Wenbo |
| author_sort | Zheng, Wenbo |
| collection | Thesis |
| description | This study investigates the factors influencing the adoption of interoperability among Mobile Money Service Providers (MMSPs) in South Africa, focusing on the implications for financial inclusion and barriers to business-to-business collaboration. Despite the rapid expansion of mobile money platforms, the need for interconnectedness among these services hampers seamless transactions, thereby limiting the overall efficacy of mobile money systems. Using an interpretive philosophy, this research adopts an inductive approach utilising qualitative methodology. A single case study method was implemented, comprising twenty in depth interviews organised into three distinct cohorts to enhance the credibility of the findings. The analysis identified five prominent themes that significantly impact interoperability adoption: Size of the Footprint, User Needs, Degree of Risk and Control, Level of Strategy and Timing, and Profitability. Each theme was critically evaluated for its implications on decision making processes within the MMSP sector, revealing that profitability is a primary motivator for co-opetition among service providers. The findings indicate that although mobile money has the potential to catalyse inclusive innovation, there must be greater clarity between provider priorities and user needs. As such, this research underscores the necessity for greater alignment between academic insights and practical applications in fostering inclusive innovation within the sector. This study developed an inclusive innovation concept model as a potential tool to help refocus inclusive innovation towards a sustainability model. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/42458 |
| institution | University of Cape Town (South Africa) |
| language | English Eng |
| last_indexed | 2026-06-10T12:31:54.917Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | Graduate School of Business (GSB) |
| publisherStr | Graduate School of Business (GSB) |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/42458 Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector Zheng, Wenbo Peter, Camaren Inclusive Innovation This study investigates the factors influencing the adoption of interoperability among Mobile Money Service Providers (MMSPs) in South Africa, focusing on the implications for financial inclusion and barriers to business-to-business collaboration. Despite the rapid expansion of mobile money platforms, the need for interconnectedness among these services hampers seamless transactions, thereby limiting the overall efficacy of mobile money systems. Using an interpretive philosophy, this research adopts an inductive approach utilising qualitative methodology. A single case study method was implemented, comprising twenty in depth interviews organised into three distinct cohorts to enhance the credibility of the findings. The analysis identified five prominent themes that significantly impact interoperability adoption: Size of the Footprint, User Needs, Degree of Risk and Control, Level of Strategy and Timing, and Profitability. Each theme was critically evaluated for its implications on decision making processes within the MMSP sector, revealing that profitability is a primary motivator for co-opetition among service providers. The findings indicate that although mobile money has the potential to catalyse inclusive innovation, there must be greater clarity between provider priorities and user needs. As such, this research underscores the necessity for greater alignment between academic insights and practical applications in fostering inclusive innovation within the sector. This study developed an inclusive innovation concept model as a potential tool to help refocus inclusive innovation towards a sustainability model. 2025-12-19T08:15:51Z 2025-12-19T08:15:51Z 2025 2025-12-19T08:11:26Z Thesis / Dissertation Masters MPhil http://hdl.handle.net/11427/42458 en Eng application/pdf Graduate School of Business (GSB) Faculty of Commerce |
| spellingShingle | Inclusive Innovation Zheng, Wenbo Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector |
| thesis_degree_str | Master's |
| title | Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector |
| title_full | Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector |
| title_fullStr | Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector |
| title_full_unstemmed | Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector |
| title_short | Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector |
| title_sort | exploring inclusive innovation factors influencing interoperability adoption in south africa s mobile money service provider sector |
| topic | Inclusive Innovation |
| url | http://hdl.handle.net/11427/42458 |
| work_keys_str_mv | AT zhengwenbo exploringinclusiveinnovationfactorsinfluencinginteroperabilityadoptioninsouthafricasmobilemoneyserviceprovidersector |