A prototype mobile money implementation in Nigeria
- Ayo, C.K., Ukpere, W.I., Oni, A., Omote, U., Akinsiku, D.
- Authors: Ayo, C.K. , Ukpere, W.I. , Oni, A. , Omote, U. , Akinsiku, D.
- Date: 2012
- Subjects: Mobile money , Cellphone banking - Nigeria
- Type: Article
- Identifier: uj:5846 , ISSN 1993-8233 , http://hdl.handle.net/10210/7933
- Description: Researchers have shown that majority of the populace in the developing nations are rural dwellers that do not have access to basic financial services and are poor. This class of people are peasant farmers and petty traders who rely mostly on remittances from their wards and relations in major cities and abroad to meet their financial obligations at home. The methods of remittances are encumbered with challenges. Mobile money is a tool that allows individuals to make financial transactions using mobile cell phones. Nigeria is one of the fastest growing telecoms nations of the world and the adoption of mobile money will help a great deal to solve the problems associated with remittances. In this paper, we present a short messages services (SMS) and unstructured supplementary service data (USSD) implementation of mobile money implementation in Nigeria modelled using Django and Python as the programming language, MySQL as the data store and Apache hypertext transfer protocol (HTTP) as the Web server. The system made comparative analysis with M-PESA implementation in Kenya: the first mobile money implantation in Africa. Furthermore, the system was tested among a selected few of the populace to evaluate the usability of the design. Findings revealed that the prototype implementation is user-friendly and can be used by all without many problems except for the illiterate populace; hence, the need to have a combined bank and agent-based implementation. This approach will help with time to reduce the number of unbanked populace, which is currently at 80%.
- Full Text:
- Authors: Ayo, C.K. , Ukpere, W.I. , Oni, A. , Omote, U. , Akinsiku, D.
- Date: 2012
- Subjects: Mobile money , Cellphone banking - Nigeria
- Type: Article
- Identifier: uj:5846 , ISSN 1993-8233 , http://hdl.handle.net/10210/7933
- Description: Researchers have shown that majority of the populace in the developing nations are rural dwellers that do not have access to basic financial services and are poor. This class of people are peasant farmers and petty traders who rely mostly on remittances from their wards and relations in major cities and abroad to meet their financial obligations at home. The methods of remittances are encumbered with challenges. Mobile money is a tool that allows individuals to make financial transactions using mobile cell phones. Nigeria is one of the fastest growing telecoms nations of the world and the adoption of mobile money will help a great deal to solve the problems associated with remittances. In this paper, we present a short messages services (SMS) and unstructured supplementary service data (USSD) implementation of mobile money implementation in Nigeria modelled using Django and Python as the programming language, MySQL as the data store and Apache hypertext transfer protocol (HTTP) as the Web server. The system made comparative analysis with M-PESA implementation in Kenya: the first mobile money implantation in Africa. Furthermore, the system was tested among a selected few of the populace to evaluate the usability of the design. Findings revealed that the prototype implementation is user-friendly and can be used by all without many problems except for the illiterate populace; hence, the need to have a combined bank and agent-based implementation. This approach will help with time to reduce the number of unbanked populace, which is currently at 80%.
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A three-way partnership model of tourism graduate employability
- Wakelin-Theron, N., Ukpere, W.I., Spowart, J.
- Authors: Wakelin-Theron, N. , Ukpere, W.I. , Spowart, J.
- Date: 2018
- Subjects: Employability , Tourism industry , Higher education
- Language: English
- Type: Conference proceeding
- Identifier: http://ujcontent.uj.ac.za8080/10210/382472 , http://hdl.handle.net/10210/290714 , uj:31564 , Citation: Wakelin-Theron, N., Ukpere, W.I. & Spowart, J. 2018. A three-way partnership model of tourism graduate employability.
- Description: Abstract: The aim of this paper presentation is to show the employability of tourism graduates, using a three-way perspective. The concept of employability differs depending on the context, as well as the views of the people making employment decisions and those seeking employment. Graduates are not always employable, because they lack certain knowledge, skills, employability attributes, and practical work experience. Therefore, it has become imperative to ensure an adequate level of preparedness of tourism graduates, including their employability attributes, to enhance their chances of securing and sustaining employment in the tourism industry. The researcher adopted a sequential explanatory mixed method, which entailed combining quantitative and qualitative methods. The researcher conducted a quantitative survey on a purposive sample of 561 managers, supervisors and owners within the tourism industry and tourism graduates working in the tourism industry. The researcher used means, standard deviations, exploratory factor analysis and independent t-test. The qualitative research approach was applied to investigate graduate employability more in-depth. A total of twelve interviews were conducted with three academics within higher education institutions (HEIs) that offer a tourism qualification, three graduates working within the industry and three experts within the tourism industry. The researcher found a significant relationship between the professional skills, personality traits, knowledge skills and operation skill within the tourism industry. The researcher constructed a model to enhance graduate employability through a three-way perspective within the tourism industry. The model links all three partners the tourism graduate, tourism industry and Higher education institutions) that play a key role in the industry regarding the transfer of knowledge, skills and other employability attributes. The originality of this paper is that it constructed a model for the tourism industry to enhance graduate employability that links three partners, and creates further constructive debate.
- Full Text:
- Authors: Wakelin-Theron, N. , Ukpere, W.I. , Spowart, J.
- Date: 2018
- Subjects: Employability , Tourism industry , Higher education
- Language: English
- Type: Conference proceeding
- Identifier: http://ujcontent.uj.ac.za8080/10210/382472 , http://hdl.handle.net/10210/290714 , uj:31564 , Citation: Wakelin-Theron, N., Ukpere, W.I. & Spowart, J. 2018. A three-way partnership model of tourism graduate employability.
- Description: Abstract: The aim of this paper presentation is to show the employability of tourism graduates, using a three-way perspective. The concept of employability differs depending on the context, as well as the views of the people making employment decisions and those seeking employment. Graduates are not always employable, because they lack certain knowledge, skills, employability attributes, and practical work experience. Therefore, it has become imperative to ensure an adequate level of preparedness of tourism graduates, including their employability attributes, to enhance their chances of securing and sustaining employment in the tourism industry. The researcher adopted a sequential explanatory mixed method, which entailed combining quantitative and qualitative methods. The researcher conducted a quantitative survey on a purposive sample of 561 managers, supervisors and owners within the tourism industry and tourism graduates working in the tourism industry. The researcher used means, standard deviations, exploratory factor analysis and independent t-test. The qualitative research approach was applied to investigate graduate employability more in-depth. A total of twelve interviews were conducted with three academics within higher education institutions (HEIs) that offer a tourism qualification, three graduates working within the industry and three experts within the tourism industry. The researcher found a significant relationship between the professional skills, personality traits, knowledge skills and operation skill within the tourism industry. The researcher constructed a model to enhance graduate employability through a three-way perspective within the tourism industry. The model links all three partners the tourism graduate, tourism industry and Higher education institutions) that play a key role in the industry regarding the transfer of knowledge, skills and other employability attributes. The originality of this paper is that it constructed a model for the tourism industry to enhance graduate employability that links three partners, and creates further constructive debate.
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