GSM Based Technology as a Tool to Reach Higher Financial Inclusion in Rural Areas : The Digitising of Savings Groups

Detta är en Kandidat-uppsats från KTH/Skolan för elektroteknik och datavetenskap (EECS); KTH/Skolan för elektroteknik och datavetenskap (EECS)

Sammanfattning: Digital aid to increase financial inclusion in developing countries is an increasing area of interest growing together with the global expansion of mobile phone penetration. This paper analyzes technical, social and financial aspects of the possibility of digitizing Xitique, a local community-based microfinance model in rural Mozambique. The aim was to understand the technical requirements of building a GSM based application while preserving cultural importance and the native features of the Xitique savings method. Data was gathered through field studies, where technical experts and the target group, being rural women, provided extensive contributions for the thesis’ findings. The results proved substantial evidence supporting the motive of developing a Xitique application from both a social as well as economic perspective. This was supported by the expressed customer demand that, as part of the result, emanated in a prototype and sustainable Social Business Model for the Xitique application’s service

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