A “Soft” Approach to Analysing Mobile Financial Services Sociotechnical Systems

Advances in mobile computing have presented a huge opportunity to provide Mobile Financial Services (MFS) to half of the world’s population who currently do not have access to financial services. However, cybersecurity concerns in the mobile computing ecosystem have slowed down the adoption of MFS. The adoption of MFS is further hampered by the lack of a clear understanding of the interaction between the complex infrastructures and human factors that exist in the ecosystem for Mobile Financial Services Socio-Technical Systems (MFSSTS). This paper presents the work in progress of investigating the problem of MFSSTS. It discusses the preliminary results and understanding obtained from using Human Factor approaches to build and analyse the model for MFSSTS

Responsibility modelling for civil emergency planning

This paper presents a new approach to analysing and understanding civil emergency planning based on the notion of responsibility modelling combined with HAZOPS-style analysis of information requirements. Our goal is to represent complex contingency plans so that they can be more readily understood, so that inconsistencies can be highlighted and vulnerabilities discovered. In this paper, we outline the framework for contingency planning in the United Kingdom and introduce the notion of responsibility models as a means of representing the key features of contingency plans. Using a case study of a flooding emergency, we illustrate our approach to responsibility modelling and suggest how it adds value to current textual contingency plans

Financing sustainable energy for all: pay-as-you-go vs. traditional solar finance approaches in Kenya

This paper focuses on finance for Solar Home Systems (SHSs) in Kenya and asks to what extent emerging new finance approaches are likely to address the shortcomings of past approaches. Drawing on the STEPS Pathways Approach we adopt a framing that understands finance within a broader socio-technical context as a necessary but not sufficient component of achieving alternative pathways to sustainable energy access. The paper contributes in four ways. Firstly, it presents a comprehensive overview of past and new emerging approaches to financing SHSs in Kenya and their relative strengths and weaknesses. Secondly, it represents one of the first attempts in the literature to analyse the potential of new, real time monitoring technologies and pay as you go finance models to overcome the barriers faced by conventional consumer finance models for off-grid renewable energy technologies (RETs). Thirdly, by applying for the first time we are aware of a socio-technical approach, via the application of Strategic Niche Management (SNM) theory, to analyse the finance of RETs in developing countries, the analysis considers finance in the context of the social practices poor people seek to fulfil via access to the energy services that off-grid RETs provide, and the ways in which people previously paid for these services (e.g. via kerosene for lighting). This also situates the analysis within the understanding of SHSs as a niche that has to compete with the established regime of energy service provision and its attendant social and political institutional support. The paper therefore also contributes to the small but expanding body of literature that seeks to operationalise socio-technical transitions thinking and SNM within a developing country context

Beyond technology and finance: pay-as-you-go sustainable energy access and theories of social change

Two-thirds of people in sub-Saharan Africa lack access to electricity, a precursor of poverty reduction and development. The international community has ambitious commitments in this regard, e.g. the UN's Sustainable Energy for All by 2030. But scholarship has not kept up with policy ambitions. This paper operationalises a sociotechnical transitions perspective to analyse for the first time the potential of new, mobileenabled, pay-as-you-go approaches to financing sustainable energy access, focussing on a case study of pay-as-you-go approaches to financing solar home systems in Kenya. The analysis calls into question the adequacy of the dominant, two-dimensional treatment of sustainable energy access in the literature as a purely financial/technology, economics/ engineering problem (which ignores sociocultural and political considerations) and demonstrates the value of a new research agenda that explicitly attends to theories of social change – even when, as in this paper, the focus is purely on finance. The paper demonstrates that sociocultural considerations cut across the literature's traditional two-dimensional analytic categories (technology and finance) and are material to the likely success of any technological or financial intervention. It also demonstrates that the alignment of new payas- you-go finance approaches with existing sociocultural practices of paying for energy can explain their early success and likely longevity relative to traditional finance approaches

Poststructuralism against poststructuralism: Actor-network theory, organizations and economic markets

This is the author's accepted manuscript. The final published article is available from the link below. Copyright @ 2012 The Author.In recent years, actor-network theory (ANT) has become an increasingly influential theoretical framework through which to analyse economic markets and organizations. Indeed, with its emphasis on the power of social and natural concrete ‘things’ to become contingently enrolled in different networks, many argue that ANT successfully draws attention to the complex intermeshing of new technologies and social actors in organizations and markets across spatial divides from the local to the global. This article argues, however, that within its own method of abstraction and research methodology, ANT separates ‘concrete’ and ‘contingent’ economic markets and organizations from their abstract, necessary and virtual capitalist form. This means that ANT will tend to over-identify with how concrete-contingent actor-networks are performed in empirical economic markets and organizations at the expense of analysing how such empirical contexts are also internally mediated through abstract capitalist processes such as that of surplus value extraction. This, in turn, creates a number of difficulties in how ANT investigates economic markets and organizations. These critical points are made by recourse to the Marxist poststructuralism of Deleuze and Guattari as well as through conventional Marxist ideas

Actors and factors - bridging social science findings and urban land use change modeling

Recent uneven land use dynamics in urban areas resulting from demographic change, economic pressure and the cities’ mutual competition in a globalising world challenge both scientists and practitioners, among them social scientists, modellers and spatial planners. Processes of growth and decline specifically affect the urban environment, the requirements of the residents on social and natural resources. Social and environmental research is interested in a better understanding and ways of explaining the interactions between society and landscape in urban areas. And it is also needed for making life in cities attractive, secure and affordable within or despite of uneven dynamics.\ud The position paper upon “Actors and factors – bridging social science findings and urban land use change modeling” presents approaches and ideas on how social science findings on the interaction of the social system (actors) and the land use (factors) are taken up and formalised using modelling and gaming techniques. It should be understood as a first sketch compiling major challenges and proposing exemplary solutions in the field of interest

Global water: issues and insights

This book brings together some of the world’s leading water researchers with an especially written collection of chapters on: water economics; transboundary water; water and development; water and energy; and water concepts. Introduction Freshwater governance holds a prominent position in the global policy agenda. Burgeoning water demand due to population growth and rising incomes is combining with supply-side pressures, such as environmental pollution and climate change, to create acute conditions of global water scarcity. This is a major concern because water is a primary input for agriculture, manufacturing, environmental health, human health, energy production and just about every economic sector and ecosystem. In addition to its importance, the management of freshwater resources is a complex, multidisciplinary topic. Encompassing a range of fields in the physical and social sciences, the task of sustainably meeting human and environmental water needs requires a depth and breadth of understanding unparalleled by most other policy problems. Our objective in this volume is to provide knowledge and insights into major issues and concepts related to freshwater governance. The book is divided into five themed parts: Economics, Transboundary governance, Development, Energy and Water Concepts. A part addresses each theme and opens with an introduction that provides an overview of key topics. For example, the introduction to the economics section presents two main foci: measuring the value of water and managing trade-offs between different water uses. The thematic case studies discuss issues such as water pricing in Organisation for Economic Co-operation and Development (OECD) countries, finance of water supply and irrigation infrastructure and improving agricultural production with enhanced water management. The aim of the volume is to accessibly communicate academic research from the many fields of freshwater governance. Too often, academic research is paywalled and/or written in a style that caters to colleagues in the same field, rather than a broader audience from other disciplines, the policy-making community and the general public. This open-access book presents the research of a range of global experts on freshwater governance in brief, insightful chapters that do not presume a high level of pre-existing knowledge of their respective subjects. This format is intended to present knowledge on the key problems of and solutions to global freshwater challenges. The final part presents research from several United Nations Educational, Social, and Cultural Organisation (UNESCO) supported water research Chairs and Centres. Support and coordination of the insititutions highlighted in this part of the book is provided by UNESCO. One water research Chair is The Australian National University – UNESCO Chair in Water Economics and Transboundary Governance, which was established in April 2010 and works with partners in southern Africa, UNESCO, the Global Water Partnership and other organisations to: (1) increase the skills, capacity, networks and potential of leaders and prospective water managers and policy-makers; (2) sustain and strengthen institutional capacity (especially in southern Africa) by providing a platform for collaboration and institutional development; and, (3) develop innovative research, tools, case-studies, and insights on water economics, water governance and equity. Established by the ANU–UNESCO Chair, the Global Water Forum (GWF) seeks to disseminate knowledge regarding freshwater governance and build the capacity of students, policy-makers and the general public to respond to local and global water issues. The GWF publishes accessible, subscription-free articles highlighing the latest research and practice concerning freshwater governance. A broad range of water-related topics are discussed in a non-technical manner, including water security, development, agriculture, energy and environment. In addition to publishing articles, reports and books, the GWF is engaged in a range of activities, such as the annual Emerging Scholars Award and hosting a portal to educational resources on freshwater. We hope that you enjoy reading this book and, more importantly, gain an improved understanding of the complex freshwater-governance challenges facing us all on a global scale and at a local level

Mobile Banking as Enabling and Constraining Financial Inclusion in Pakistan- A Theoretical Perspective

This paper provides a theoretical framework for exploring the role of new technologies for ‘banking’ the poor via mobile banking (m-banking) for financial inclusion in developing countries. It extends the literature beyond previous studies that examined m-banking through a technological or economic lens from the provider’s perspective, or from a collective national or regional level focussing on the individual user’s perspective. Thus the aim of the paper is to bridge the theoretical and methodological gap by justifying the application of Orlikowski’s Duality of Technology, as a socio-technical lens to evaluate how the social construction of m-banking enables and constrains poor women to access government-to person (G2P) payments, or digital social cash in Pakistan- a country that has been previously under researched. By shifting the level of analysis to the organisational level, the structuration framework helps us investigate the social and economic impact of m-banking in the restructuring of poor households for financial inclusion in Pakistan, and the effect of external and internal institutional forces in the redesign of emerging new technologies and financial practices. Furthermore, the paper debates why the socio-materiality of technology fails to provide a conceptual framework for this research. To conclude the paper highlights how the Duality of Technology contributes to new knowledge through a socio-technical perspective that underpins the philosophical orientation of the research to study the complex relationship between m-banking, households structures and social actors that provide an interpretive frame within the case study of the Benazir Income Support Programme in Pakistan

Enterprise modelling framework for dynamic and complex business environment: socio-technical systems perspective

The modern business environment is characterised by dynamism and ambiguity. The causes include global economic change, rapid change requirements, shortened development life cycles and the increasing complexity of information technology and information systems (IT/IS). However, enterprises have been seen as socio-technical systems. The dynamic complex business environment cannot be understood without intensive modelling and simulation. Nevertheless, there is no single description of reality, which has been seen as relative to its context and point of view. Human perception is considered an important determinant for the subjectivist view of reality. Many scholars working in the socio-technical systems and enterprise modelling domains have conceived the holistic sociotechnical systems analysis and design possible using a limited number of procedural and modelling approaches. For instance, the ETHICS and Human-centred design approaches of socio-technical analysis and design, goal-oriented and process-oriented modelling of enterprise modelling perspectives, and the Zachman and DoDAF enterprise architecture frameworks all have limitations that can be improved upon, which have been significantly explained in this thesis. [Continues.