Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector
| dc.contributor.advisor | Peter, Camaren | |
| dc.contributor.author | Zheng, Wenbo | |
| dc.date.accessioned | 2025-12-19T08:15:51Z | |
| dc.date.available | 2025-12-19T08:15:51Z | |
| dc.date.issued | 2025 | |
| dc.date.updated | 2025-12-19T08:11:26Z | |
| dc.description.abstract | 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. | |
| dc.identifier.apacitation | Zheng, W. (2025). <i>Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector</i>. (). ,Faculty of Commerce ,Graduate School of Business (GSB). Retrieved from http://hdl.handle.net/11427/42458 | en_ZA |
| dc.identifier.chicagocitation | Zheng, Wenbo. <i>"Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector."</i> ., ,Faculty of Commerce ,Graduate School of Business (GSB), 2025. http://hdl.handle.net/11427/42458 | en_ZA |
| dc.identifier.citation | Zheng, W. 2025. Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector. . ,Faculty of Commerce ,Graduate School of Business (GSB). http://hdl.handle.net/11427/42458 | en_ZA |
| dc.identifier.ris | TY - Thesis / Dissertation AU - Zheng, Wenbo AB - 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. DA - 2025 DB - OpenUCT DP - University of Cape Town KW - Inclusive Innovation LK - https://open.uct.ac.za PY - 2025 T1 - Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector TI - Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector UR - http://hdl.handle.net/11427/42458 ER - | en_ZA |
| dc.identifier.uri | http://hdl.handle.net/11427/42458 | |
| dc.identifier.vancouvercitation | Zheng W. Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector. []. ,Faculty of Commerce ,Graduate School of Business (GSB), 2025 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/42458 | en_ZA |
| dc.language.iso | en | |
| dc.language.rfc3066 | Eng | |
| dc.publisher.department | Graduate School of Business (GSB) | |
| dc.publisher.faculty | Faculty of Commerce | |
| dc.subject | Inclusive Innovation | |
| dc.title | Exploring inclusive innovation: factors influencing interoperability adoption in South Africa's mobile money service provider sector | |
| dc.type | Thesis / Dissertation | |
| dc.type.qualificationlevel | Masters | |
| dc.type.qualificationlevel | MPhil |