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Perceptions of digital financial services in rural Fiji


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)

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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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