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The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya
Dissertation (MCom)--University of Pretoria, 2011.
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University of Pretoria
2013
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| _version_ | 1867613523264143360 |
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| access_status_str | Open Access |
| author2 | Krauss, Kirstin Ellard Max |
| author_browse | Krauss, Kirstin Ellard Max |
| author_facet | Krauss, Kirstin Ellard Max |
| collection | Thesis |
| dc_rights_str_mv | © 2011 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Dissertation (MCom)--University of Pretoria, 2011. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/30103 |
| institution | University of Pretoria (South Africa) |
| last_indexed | 2026-06-10T12:37:30.101Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2013 |
| publishDateRange | 2013 |
| publishDateSort | 2013 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/30103 The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya Krauss, Kirstin Ellard Max sabraha@gmail.com Gebregziabher, Sosina Abraha Adaptive structure theory Developing countries Technology and society Financial inclusion Technology appropriation Technology adaptation Mobile money Mobile phones Kenya Mobile banking M-pesa Bi-directional influence UCTD Dissertation (MCom)--University of Pretoria, 2011. M-PESA (a mobile banking service in Kenya) was introduced to offer a person-to-person money transfer service. Its extensive adoption and appropriation for purposes other than person-to-person transfers has influenced the technology providers (Safaricom) to widen their services beyond their original intentions. M-PESA provides a wide range of financial services including services for people who were previously unbanked. Users of M-PESA can now pay different utilities, those without credit cards can purchase products online, others can repay loans to microfinance institutions, pay insurance premiums, withdraw money from ATMs, use it as Point of Sale Payment and open savings accounts. This research examines the existence of “bi-directional” influences between technology and society by taking M-PESA business users as a case. It specifically investigates how M-PESA as a technology has influenced the business environment in Kenya and how the design of M-PESA has in turn been influenced by its adoption. The research adopts the Adaptive Structuration Theory as the theoretical framework and interpretive case study research as a methodological approach. Interviews with different stakeholders in the industry were used to collect data. Data was analyzed using Diachronic Analysis. The results of the research show that there is a “bi-directional” influence between technology and people as they affect each other over time. Mobile technologies shape the way businesses operate, allowing them to provide new services and improve existing ones. At the same time, usage and adoption trends affect the design of mobile technologies. Over time, technology is adapted to accommodate the new needs of businesses and other needs in the wider community. This research shows that the impact of technology depends not only on its functionality but also on its use and appropriation in society. Informatics unrestricted 2013-09-07T17:58:13Z 2013-06-28 2013-09-07T17:58:13Z 2012-02-17 2011 2012-02-17 Dissertation Gebregziabher, SA 2011, The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya, MCom dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://hdl.handle.net/2263/30103 ></p C12/4/129/gm http://hdl.handle.net/2263/30103 http://upetd.up.ac.za/thesis/available/etd-02172012-172140/ © 2011 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | Adaptive structure theory Developing countries Technology and society Financial inclusion Technology appropriation Technology adaptation Mobile money Mobile phones Kenya Mobile banking M-pesa Bi-directional influence UCTD The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya |
| title | The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya |
| title_full | The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya |
| title_fullStr | The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya |
| title_full_unstemmed | The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya |
| title_short | The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya |
| title_sort | bi directional influence between technology and society how m pesa is shaping and being shaped by society in kenya |
| topic | Adaptive structure theory Developing countries Technology and society Financial inclusion Technology appropriation Technology adaptation Mobile money Mobile phones Kenya Mobile banking M-pesa Bi-directional influence UCTD |
| url | http://hdl.handle.net/2263/30103 http://upetd.up.ac.za/thesis/available/etd-02172012-172140/ |