Factors influencing branchless banking for microfinance in Sudan: Theoretical perspectives and future directions

In Sudan more than 40% live below the poverty line and getting basic financial service poses a challenge to financial institutions. Most of these unserved populations live in far-flung areas that make it difficult for microfinance institutions to reach them. But the enormous growth of mobile technology industry has created new opportunity to expand financial services to this unserved population. Branchless banking is one of the latest technologies that have been employed in different developing countries to expand financial services to the unbanked poor. Despite the potential benefits and relevance of Branchless banking to Sudan, there are still very few studies on Branchless banking in Sudan. To address this gap in the literature, this study aims to investigate the factors that are essential to the development of branchless banking in Sudan using mobile technology. This is a research-in-progress paper, the critical review of the literature so far revealed that there are essential factors for the success of branchless banking in Sudan e.g. the identification of the industry key players and their roles, the enabling regulatory environment, the infrastructure readiness and Sudanese cultural values. The paper will provide regulators and policy makers in Sudan a way forward to expedite the development of suitable Branchless banking for microfinance in Sudan

Realising Team-Working in the Field: An Agent-based Approach

Multi-agent systems technology is applied to enable co-operation between mobile workers in the field, minimising user intervention and increasing reachability. A component-based approach is taken to simplify the management of deployed co-operation services. A Personal Assistant running on a mobile device is introduced to show how an intelligent and autonomous agent can increase the utility of users during workforce co-operation processes. Finally, a real world trial of the technology by network installation and maintenance engineers in the UK is described. Some technical issues revealed during the trial are discussed, as is the impact of the technology on the business process

Policy Issues of e-Commerce Technology Diffusion in Southeast Nigeria: The Case of Small Scale Agribusiness

The benefits brought about by the emergence of e-commerce, e-business and other Information Communication Technologies (ICTs) applications have not been fully explored in the developing economies of the world. The less developed economies are still struggling to catch up with ICT application as opposed to its heavy deployment in the developed economies. Empirical evidence suggests that ICTs and other related technologies are increasingly emerging in the communities of the developing economies such as Nigeria. Rural actors engaged in the Agricultural industries (Agribusiness) feel that the implementation of ICTs can influence the development of new business processes and the way existing processes are organised. In the Southeast of Nigeria, which is a typical example of a less developed community, the impact of e-business technologies has yet to be determined. This paper identifies two classical traditional agribusiness supply chains and hence reports on the impact of e-commerce technology diffusion along the equilibrium of the supply chains, focusing on the elimination of intermediary actors from the chain. It provides an assessment of the Governments’ policies and strategies on e-commerce adoption for the sustainability of small-scale agricultural businesses. The paper examines the politics surrounding ICT implementations by actors engaged in the agribusiness sector. This research has motivated The South East State Government, in collaboration with the Federal Government, to give closer attention to their earlier policy of making Nigeria an ICT-enabled country

Agent fabrication and its implementation for agent-based electronic commerce

In the last decade, agent-based e-commerce has emerged as a potential role for the next generation of e-commerce. How to create agents for e-commerce applications has become a serious consideration in this field. This paper proposes a new scheme named agent fabrication and elaborates its implementation in multi-agent systems based on the SAFER (Secure Agent Fabrication, Evolution & Roaming) architecture. First, a conceptual structure is proposed for software agents carrying out e-commerce activities. Furthermore, agent module suitcase is defined to facilitate agent fabrication. With these definitions and facilities in the SAFER architecture, the formalities of agent fabrication are elaborated. In order to enhance the security of agent-based e-commerce, an infrastructure of agent authorization and authentication is integrated in agent fabrication. Our implementation and prototype applications show that the proposed agent fabrication scheme brings forth a potential solution for creating agents in agent-based e-commerce applications

The Digitalisation of African Agriculture Report 2018-2019

An inclusive, digitally-enabled agricultural transformation could help achieve meaningful livelihood improvements for Africa’s smallholder farmers and pastoralists. It could drive greater engagement in agriculture from women and youth and create employment opportunities along the value chain. At CTA we staked a claim on this power of digitalisation to more systematically transform agriculture early on. Digitalisation, focusing on not individual ICTs but the application of these technologies to entire value chains, is a theme that cuts across all of our work. In youth entrepreneurship, we are fostering a new breed of young ICT ‘agripreneurs’. In climate-smart agriculture multiple projects provide information that can help towards building resilience for smallholder farmers. And in women empowerment we are supporting digital platforms to drive greater inclusion for women entrepreneurs in agricultural value chains

Redesigning work organizations and technologies: experiences from European projects

Currently distributed business process (re) design (resulting in components of business networks) basically relies on technical criteria. And that are the main purposes of most research projects supported by EC. Through the process of building a European Research Area, this means a strong influence in the national research programmes. However it is generally accepted that it should also take into account social criteria and aspects such as the quality of working life, or participation in decision processes. Those were some of the objectives of projects in de 80s decade, and framed some of the main concepts and scientific approaches to work organisation. The democratic participation of network and organisations members in the design process is a critical success factor. This is not accepted by everyone, but is based in sufficient case studies. Nevertheless, in order to achieve an optimization that can satisfying the requirements of agility of a network of enterprises, more complex design methods must be developed. Thus, the support to the collaborative design of distributed work in a network of enterprises, through a concurrent approaching business processes, work organisation and task content is a key factor to achieve such purposes. Increasing needs in terms of amounts of information, agility, and support for collaboration without time and space constrains, imposes the use of a computer-based model.business process; networks; decision processes; collaborative design;