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博碩士論文 etd-0228118-165051 詳細資訊
Title page for etd-0228118-165051
論文名稱
Title
辛巴威的正式和非正式企業家使用移動貨幣
The adoption of EcoCash by formal and informal entrepreneurs in Zimbabwe
系所名稱
Department
畢業學年期
Year, semester
語文別
Language
學位類別
Degree
頁數
Number of pages
173
研究生
Author
指導教授
Advisor
召集委員
Convenor
口試委員
Advisory Committee
口試日期
Date of Exam
2018-03-12
繳交日期
Date of Submission
2018-03-29
關鍵字
Keywords
移動貨幣、金字塔經濟底層、體制理論、成本、收益、可用性、現金
Mobile money, Base of the pyramid economies, Institutional theory, Costs, Benefits, Usability, Cash
統計
Statistics
本論文已被瀏覽 5912 次,被下載 177
The thesis/dissertation has been browsed 5912 times, has been downloaded 177 times.
中文摘要
这项研究试图调查津巴布韦正式和非正式企业家采用手机资金,特别是EcoCash。它研究了金字塔市场(BOP)基础上的制度理论的应用(Prahalad,2006)。采用Di Maggio和Powell(1983)的三种制度压力来理解这与EcoCash的使用,理解和采用有何关系。这些是制度理论中合法性的强制同构,模仿过程和规范压力。影响收养过程的因素被纳入文献。
采取了解释性的方法,对津巴布韦正式和非正式的企业家八名参与者进行了横向访谈,并使用手机资金。这些参与者来自全国各地,在20世纪50年代末至50年代初的不同贸易行业。使用主题分析来对从参与者的回答收集的数据进行归纳分析。
主要研究结果确定了成本,收益和可用性与强制同构,模拟过程和规范压力之间的联系。消极和积极的因素,包括安全问题,收益和替代支付系统也在采用率和流程中发挥作用。与一些使用移动货币和津巴布韦的非洲国家相比较,分析了这些国家的相似和不同之处。

然而,现金的可用性或缺乏,似乎是采用流动资金的一个根本决定因素,这可能有助于未来企业家了解这些压力以及压力如何影响企业家的商业环境。政策制定者也可以采取适当措施来确保这些创新,并考虑到这些因素的连续性。

關鍵字: 移動貨幣、金字塔經濟底層、體制理論、成本、收益、可用性、現金.
Abstract
This research sought to investigate the adoption of mobile money, specifically EcoCash in Zimbabwe by formal and informal entrepreneurs. It looked at the application of the institutional theory in base of the pyramid markets (BOP) (Prahalad, 2006). Di Maggio and Powell’s (1983) three forms of institutional pressures were employed to understand how this related to the use, understanding and adoption of EcoCash. These were coercive isomorphism, mimetic processes and normative pressures which fall under legitimacy in the institutional theory. Factors that affected the adoption process were incorporated into the literature.
An Interpretive approach was taken involving cross-sectional interviews on eight participants who were formal and informal entrepreneurs in Zimbabwe and using mobile money. These participants were from various parts of the country and in different trade industries aged between their late 20s to early 50s. Thematic analysis was used to provide the inductive analysis of the data collected from the participants’ responses.
The key findings identified links between costs, benefits and usability in relation to coercive isomorphism, mimetic processes and normative pressures. Negative and positive factors including security concerns, benefits and alternative payment systems also played a role in the adoption rate and process. These were analysed in comparison to some of the African countries using mobile money and Zimbabwe to understand the similarities and differences.

However, availability of cash or lack thereof, seemed to be a fundamental determining factor on the adoption of mobile money and this could help future entrepreneurs to understand these pressures and how the pressures affect the entrepreneurs’ business environment. Policy makers may also be able to take the appropriate steps in securing such innovation and seeing to its continuity with these factors in mind.
Keywords: Mobile money, Base of the pyramid economies, Institutional theory, Costs, Benefits, Usability, Cash.
目次 Table of Contents
Table of Contents Page number
Title Page
Acknowledgements i
Abstract (Chinese) ii
Abstract (English) iv
Table of Contents vi
Table of figures vii
List of tables viii
Introduction 1
Critical Literature Review 12
Research context 20
Discussion 58
Conclusions 66
References 69
Appendices 74
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