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Perceptions of digital financial services in rural Fiji
Citation
Finau, G and Rika, N and Samuwai, J and McGoon, J, Perceptions of digital financial services in rural Fiji, Information Technologies and International Development, 12, (4) pp. 11-21. ISSN 1544-7529 (2016) [Refereed Article]
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© 2016 USC Annenberg School for Communication & Journalism. Licensed under Creative Commons Attribution-NonCommercial-ShareAlike 3.0 Unported (CC BY-NC-SA 3.0) https://creativecommons.org/licenses/by-nc-sa/3.0/
Official URL: https://itidjournal.org/index.php/itid/article/vie...
Abstract
This article examines rural dwellers’ perceptions of digital ªnancial services (DFS) to identify which factors may enhance or impede their adoption. The article is based on a survey and follow-up interviews in rural Fijian communities
with relatively low income levels. In Fiji, DFS are provided by mobile network operators, either individually or in collaboration with commercial banks. The provision of these services is consistent with policies of the Fijian government
and The Reserve Bank of Fiji, which advocate ªnancial inclusion as a means of promoting economic growth and enabling citizens to more efªciently receive remittances and welfare payments. However, the survey ªndings indicate
that DFS uptake is hindered by agents’ lack of liquidity and the implicit costs that agents impose on consumers. In addition, consumers tend to fully spend the funds received through mobile money, but fail to use their mobile phones
for saving purposes.
Item Details
| Item Type: | Refereed Article |
|---|---|
| Keywords: | Digital Financial Services, Rural, Financial Inclusion, Fiji |
| Research Division: | Commerce, Management, Tourism and Services |
| Research Group: | Business systems in context |
| Research Field: | Business information systems |
| Objective Division: | Commercial Services and Tourism |
| Objective Group: | Financial services |
| Objective Field: | Financial services not elsewhere classified |
| UTAS Author: | Finau, G (Dr Glenn Finau) |
| ID Code: | 139839 |
| Year Published: | 2016 |
| Deposited By: | Accounting |
| Deposited On: | 2020-07-07 |
| Last Modified: | 2022-08-26 |
| Downloads: | 27 View Download Statistics |
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