An Investigation into Customers' Requirements for Electronic Banking

2017 ◽  
Vol 8 (2) ◽  
pp. 39-54
Author(s):  
Dorothy M. Kalui ◽  
Christopher A. Moturi ◽  
Geoffrey Muchiri Muketha ◽  
John K. Tarus
Keyword(s):  
Digital Divide ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
Financial Services ◽  
Limited Attention ◽  
Successful Implementation ◽  
Electronic Banking ◽  
General Consensus ◽  
Information And Communication

There is a general consensus that governments, businesses and all individuals need to harness the power of Information and Communication Technology (ICT) and ICT enabled services for wider access and improved welfare standards. The requirements of MFI clients in regard to electronic banking (e- banking) have received limited attention in the reviewed literature. In Kenya, little is known and understood about the customers' requirements with emergence of e-banking. In this paper, the authors investigate the MFIs clients' e-banking requirements to align with the MFIs preparedness for sustainable success. Besides, it narrows the digital divide in provision of financial services to Kenyans. Findings from this study indicate that in Kenya, MFI clients are ready for e-banking. The paper finally recommends some possible solutions that MFIs could embrace towards successful implementation of e-banking.

Reconsidering the digital divide: an analytical framework from access to appropriation

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Yvonne Ai-Chi Loh ◽  
Arul Chib
Keyword(s):  
Digital Divide ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
Analytical Framework ◽  
Factor Analyses ◽  
Content Type ◽  
Comprehensive Index ◽  
Different Types ◽  
Information And Communication ◽  
Methodological Problems

PurposeThis paper presents a framework to measure the digital divide by considering a more comprehensive index of information and communication technology (ICT) predictors. The authors also address the conceptual and methodological problems in the digital divide field, given that its focus has been shifted from technological access to higher-order divides over the years. The proposed framework is hypothesized and tested in the context of unemployed and underemployed residents in Singapore.Design/methodology/approachThrough a quantitative survey, 302 unemployed and underemployed workers were asked what ICT “access”, “usage” and “appropriation” meant to them. Factor analyses were deployed to identify the underlying, granular dimensions of ICT access, usage and appropriation.FindingsThe factor analyses revealed an interesting breakdown of the main factors of ICT access, usage and appropriation. The authors found that one's purpose for which technology is accessed, used and appropriated determines how each of the levels of ICT assets is defined. Thus, the authors propose new operational definitions for ICT access, usage and appropriation based on the analyses.Originality/valueThis study aims to provide a more robust measure of the digital divide from access, capabilities to outcomes. The authors hope that this framework, besides complementing current digital divide models, can be applied to different types of participants.

scholarly journals From Digital Divide to Social Inclusion: A Tale of Mobile Platform Empowerment in Rural Areas

2020 ◽  
Vol 12 (6) ◽  
pp. 2424 ◽  
Author(s):  
Lisha Ye ◽  
Huiqin Yang
Keyword(s):  
Digital Divide ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
Rural Areas ◽  
Social Inclusion ◽  
Rural China ◽  
Mobile Platform ◽  
The World ◽  
Information And Communication ◽  
Practical Implications

The digital divide in rural areas is an important social issue, especially in developing countries. Although Internet and broadband penetration have increased in the world generally, there are many obstacles for rural China to get access to ICT (Information and Communication Technology) and its services. The mobile platform is regarded as a novel and effective tool to reduce the digital divide. Based on a case of one mobile platform, namely WeCountry in Chinese rural areas, this study illustrates how a mobile platform bridges the digital divide and helps rural areas achieve social inclusion. Results show that: (1) the mobile platform mainly acts on the digital capability divide elimination, and it has to guide and increase users’ usage capability; (2) the mobile platform can empower villagers in structural, psychological, and resource dimensions, achieving political inclusion, social participation inclusion, and economic inclusion; (3) platform providers and government are key organizations during the divide elimination process. This paper concludes with theoretical and practical implications.

scholarly journals PENDIDIKAN TEKNOLOGI UNTUK PEREMPUAN

2020 ◽  
Vol 12 (1) ◽  
pp. 165-180
Author(s):  
Andi Nurul Hidayat
Keyword(s):  
Technology Education ◽  
Digital Divide ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
National Development ◽  
Technological Education ◽  
Goods And Services ◽  
Family Economy ◽  
The Family ◽  
Information And Communication

Technology education is a right for everyone in this world. Therefore, there is no reason to discriminate against technological education especially for women in Indonesia. In the perspective of technology for women, there is a high desire to master technology to enable women to build meaningful interpretations and personal representations. In addition, technology is also useful as a rich and flexible learning tool for women, in this article it is targeted to discuss the importance of technology education and independence to women, especially independence in the family economy. Women who have broader knowledge and more competent economic skills will be more independent, stronger, and will be more successful in carrying out their roles and functions in the family, society, and national development. The level of compatibility between technological values ​​and norms with the values ​​or norms of its users will determine the pattern The use of this technology starts from the value of most of the goods and services of information and communication technology (ICT) which tends to be more masculine, which is one of the causes of the digital divide in technological women.

scholarly journals Literasi Teknologi Informasi dan Komunikasi

2014 ◽  
Vol 17 (2) ◽  
pp. 153-164 ◽  
Author(s):  
Syarifuddin Syarifuddin
Keyword(s):  
Mobile Phone ◽  
Digital Divide ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
The Internet ◽  
Ict Literacy ◽  
South Sulawesi ◽  
The People ◽  
Information And Communication ◽  
Level 3

Development of information and communication technology (ICT) has brought changes for the people of Indonesia. With ICT, community can easily access a variety of information and support jobs. But the problem that arises is the uneven penetration of ICT in all parts of Indonesia, including in South Sulawesi. Giving rise to the digital divide as well as the weakness of ICT literacy. Therefore, this study aims to determine the ICT literacy community in South Sulawesi. The method used in this study is a survey with a quantitative approach. The results show that ICT (computer, mobile phone, and internet) has been used by communities in South Sulawesi. Among the three media, mobile phone has the highest number of penetration followed by computer and the internet. The majority of respondents have also entered into 5 levels of ICT literacy mobile phones and computers as an integral part of daily activities. While the internet was still in level 3 where they have been used but not significantly.

Using Information and Communication Technology (ICT) in Secondary Schools in Nigeria: Problems and Prospects.

2019 ◽  
pp. 232-236
Author(s):  
Christiana N.N.
Keyword(s):  
Secondary Education ◽  
Secondary School ◽  
Secondary Schools ◽  
Digital Divide ◽  
Information And Communication Technology ◽  
Communication Technology ◽  
Computer Hardware ◽  
The Internet ◽  
Wrong Side ◽  
Information And Communication

There is no doubt that modern life is dominated by technology. Although it has been rightly said that what is wrong with education cannot be fixed with technology, there is a universal recognition of the need to use Information and Communication Technology (ICT) in education as we enter the era of globalization where the free flow of information via satellite and the internet hold sway in the dissemination of knowledge and information. Already, Nigeria is on the wrong side of the international digital divide, as it has not made significant effort to integrate ICT into secondary school curriculum. A great deal of instructional and administrative work in secondary school in Nigeria is still carried out manually. This paper, therefore, examines the major obstacles militating against the use of ICT in secondary education in Nigeria. It identifies the high cost of computer hardware and software, weak infrastructure, lack of human skills and knowledge in ICT, and lack of relevant software appropriate and culturally suitable to Nigeria as the major stumbling block of the adoption of ICT in secondary education in Nigeria. Also, secondary schools in Nigeria are not given adequate funds to provide furniture, relevant textbooks and adequate classroom let alone being given adequate fund for high-tech equipment. At present the cost of subscribing to the Internet is too high for many of the impoverished secondary schools in Nigeria. Nigeria needs ICT to aid teaching, learning and educational management. ICT is an instrument for economic and technological development in the 21st century. Therefore, Nigeria cannot afford to be on the wrong side of the digital divide.

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