1,721,001 research outputs found
Ghana’s new mobile money rule could derail financial inclusion. But there are answers
No full textMobile money — a technology that enables financial transactions through mobile phones without a bank account — is driving financial inclusion, especially in developing countries. It gives more people a chance to use financial products and services.In Ghana, there is a policy to encourage the use of mobile money and reduce the flow of cash. And mobile money has proved popular because of its advantages. People can transfer money or make payments wherever they are, in a simple, fast, convenient and affordable way. Mobile money has improved the efficiency of transactions and initiated some changes in traditional banking in the country. By 2017, Ghana had over 11 million active mobile money accounts.But in recent times, incidents of mobile money fraud have increased. Statistics from the cybercrime unit of the Ghana Police Service showed over 300 reported cases in 2019
AI in financial services inquiry
Full text linkA response to the call for evidence on AI in financial services by the Treasury Committee of the UK Parliament
Towards an artificial intelligence-driven framework for project risk management
No full textProject risk management is a process of identifying, assessing, and responding to potential adverse events throughout the life cycle of a project to minimize their impacts and capitalize on opportunities. Traditional project risk management approaches often rely on subjective expert judgment, static risk models, siloed data, and reactive strategies. However, with the increasing complexity and dynamism of projects, new sophisticated project risk management approaches are necessary to address the limitations of traditional methods. Artificial intelligence (AI), particularly through machine learning, can reimagine how risks are managed in projects, offering enhanced predictive capabilities, real-time insights, and adaptive strategies. While there is ongoing research, existing studies have only provided partial insights, leading to several debates on the suitable model for project risk management. Moreover, existing research has largely focused on generic risk prediction, while other important aspects of project risk management, such as risk prediction explainability, scoring, prioritization, and mitigation, remain largely unexplored. To address these knowledge gaps, we develop an intelligent AI-driven project risk management framework that combines AI models, tools, and techniques with risk identification, evaluation, and mitigation capabilities
Transdisciplinary perspective on sustainable multi-tier supply chains: a triple bottom line inspired framework and future research directions
No full textGlobal sourcing and increased interdependencies between organisations have created more complex multi-tier supply chains. While these supply chains have been instrumental in keeping the world moving, they equally pose sustainability issues. In the extant literature, there is a growing number of studies on sustainable multi-tier supply chains. However, there has been limited effort to take stock of existing research to set an agenda for future studies. To address this gap, this study reviews 64 articles through the lens of the triple bottom line theory. Based on the findings, the study develops a framework for sustainable multi-tier supply chains and provides direction for future research
Does process reengineering and digitalization eliminate corruption? Examining ‘paperless’ vehicle clearance at Ghana’s port
Full text linkCorruption occurs globally but is noted as a bottleneck to socioeconomic development in many developing countries. Reengineering of business processes, alongside digitalization, occurs in various developing countries as part of efforts to improve organizational processes and to help in the fight against corruption. But while such initiatives have been associated with some improvements, they have questionable results in the overall control of corruption. Nonetheless, it remains unclear how and why in developing countries corruption persists in spite of reengineered business processes and digitalization.Through an exploratory case of a reengineered digitalized vehicle import clearance process at Ghana’s ports (dubbed by the government as ‘paperless’), we inductively trace complex interdependencies in the situated sociotechnical work system involving information systems, processes, individuals and organizations as well as associated corrupt practices. Our analysis reveals a complex network of cross-cutting interactions, actors and interests underpinning corruption, as well as the creation of new corruption opportunities where digitalization had disrupted old ones. We discuss the implications of our findings and derive explanatory propositions to guide further research
Digitalization and government corruption in developing countries: towards a framework and research agenda
No full textResearch focusing on the nexus between digital technologies and government corruption in developing countries has reported mixed findings and painted an incoherent picture. Through a review of 90 relevant studies published over the last two decades we develop an inductive framework that connects 7 defining themes: (1) the broader socioeconomic context of developing countries (2) anti-corruption strategies and strategizing in developing countries (3) digitalization processes (4) strategic role of digital technologies and modalities of anti-corruption change (5) formative structures of government organizations (6) barriers within government organizations and (7) positive and negative effects of digitalization on corruption. Deriving from this framework, we highlight under-researched concerns and outline a research agenda to (1) clarify the links between anti-corruption strategizing and digitalization interventions (2) explicate the materialization of corruption in specific organizational domains, work systems, and processes in developing countries, their embedded nature in the organizational and broader context, and the modalities by which digitalization comes to affect or be affected by it (3) uncover digitalization enabled capabilities and dynamic capabilities in the fight against corruption and (4) embrace methodological diversity such as more processual and long-term studies; ethnographic studies, and methods that bridge quantitative and qualitative insights by exploring novel measures and evidence sources
Beyond access: reconceptualizing digital identification and inclusion through the case of Aadhaar
No full textIndia’s Aadhaar biometric identification system—the world’s largest digital identification scheme which provides unique identification to over 1.2 billion people—has become a vibrant archetype of the pursuit of inclusion through technology. However, the notion of inclusion appears to be taken for granted in various studies of Aadhaar, with little problematization of technology’s role in realizing its multiple facets. Against this backdrop, we survey conceptualizations of inclusion in the discourses on Aadhaar to understand its facets and underlying assumptions. Drawing on a literature review of studies that link the Aadhaar to inclusion, we show that the dominant discourse equates inclusion to the potential for accessing welfare provisioning, services, or other socioeconomic benefits through the instrumentality of technology. We critique this dominant position of inclusion as narrow, by drawing upon the body of work on social inclusion and human development. We suggest a reconceptualization of digitally enabled social inclusion that attends to higher-level processes and outcomes beyond access—such as participation, transformation, empowerment, and emancipation—and articulates technology implications beyond technical-rational instrumentality. We contribute a conceptual framework of digital inclusion that has relevance for other developing countries undergoing digital identification initiatives for inclusion
Unearthing antecedents to financial inclusion through fintech innovations
No full textFintech innovations are enabling access to financial services through mobile devices for many unbanked in the world. Though fintech innovations are touted as game changers in deepening financial inclusion, their wide acceptance and use still remain limited. In the extant literature, technological and behavioural antecedents that influence users’ behaviour toward financial technologies are not fully understood. This study argues that understanding antecedents to the actual use of fintech innovations will lead to deepening financial inclusion. Using mobile money—a type of fintech innovation, this study adopts the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and the Prospect theory. Drawing on survey data collected from 294 respondents, this study applies the partial least square structural equation modelling technique. The findings show that performance and effort expectancy have significant relationship with the intention to use mobile money services. However, contrary to well-established positions, price value, hedonic motivation, social influence and perceived risk do not influence intention and use of mobile money services. The study makes significant theoretical contributions and offers practical and policy implications for deepening financial inclusion
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