This study explored the risks, opportunities and challenges of e-payment system of Social Cash Transfer Program in the Thyolo District. The specific research objectives for the study were to identify risks, explore opportunities and then assess the challenges of e-payment system of Social Cash Transfer Program in the Thyolo District. In order to have an in-depth understanding of the topic understudy, diffusion of innovation theory by E.M. Rodgers was used. This theory outlines how new technology and other advancements spread through the society from the introduction to widespread adoption. The study adopted a mixed research design where both qualitative and quantitative techniques were employed. Both probability and non-probability sampling techniques were used to select the sampled 411. Further, Key Informant Interviews (KIIs), survey questions and Focus Group Discussions (FGDs) were used to collect its data. Statistical Package for Social Science (SPSS) was used to analyse quantitative data and thematic approach for the qualitative data. The study has established that Social Cash Transfer Program beneficiaries face somewhat risks, opportunities and challenges. Thus, the study recommends concerted efforts from various stakeholders to address the gaps in order to make e-payment a reality.
Inhaltsverzeichnis (Table of Contents)
- ABSTRACT
- TABLE OF CONTENTS
- CHAPTER 1
- Introduction.
- Background.......
- Statement of the problem.
- Objectives.
- Main objective
- Specific Objectives
- Research Questions.
- Hypotheses
- Null Hypothesis (H.)..
- Alternative hypothesis (H1).
- Significance of the study.
- Scope of the study.
- Definition of terms
- Conclusion............
- CHAPTER 2
- Introduction.
- Main Review of literature
- Payment systems in social protection programs: African perspective...............
- Government efforts in addressing poverty and vulnerability through social support
- Social cash transfer program in Malawi
- The state of e-payment system in Malawi
- Risks, opportunities and challenges of payment systems.
- Conceptual framework of the study
- Theoretical framework.
- Conclusion........
- CHAPTER 3
- Introduction .......
- Research Design....
- Population of the study..
- Sample size...
- Sampling Procedure.
- Sampling area.........
- Sources of data collection
- Methods of data collection
- Tools for data collection
- Validity and Reliability measures
- Tools for data analysis....
- Data management and Ethical considerations.
- Limitations of the study.
- Conclusion.........
- CHAPTER 4.
- Introduction.
- Demographic Characteristics of the respondents
- Gender distribution of the respondents.
- Age distribution of the respondents ......
- Marital status of the of the respondents.
- Education Level of the respondents.
- Mobile Phone possession
- Risks of E-payment system......
- Level of understanding about e-payment
- Mobile phone usage.
- Fraud
- Reporting of cases.
- Distance travelled to reach Mpamba Agents
- Opportunities of E-payment system.......
- Savings........
- Utilization of e-payment platform
- Decision making
- Phone usage
- Time spent in accessing the money
- Challenges of E-payment system
- Availability of TNM Mpamba Agents.......
- Timeliness of funds disbursement
- Level of satisfaction of service delivery by TNM Mpamba Agents
- Network connectivity..
- Level of satisfaction on service delivery by CSSCs .........
- Level of satisfaction on service delivery by the district council...\n22223
- Level of satisfaction with helpline toll free service..
- Theory and hypothesis testing.
- Conclusion........
- CHAPTER 5 …………………………..
- Recommendations.
- Introduction
- Discussion of the findings..
- Implication of the study to social work practice.
- Areas for further research...
- Conclusion.....
- References.....
Zielsetzung und Themenschwerpunkte (Objectives and Key Themes)
This study aims to explore the risks, opportunities, and challenges associated with the e-payment system implemented for the Social Cash Transfer Program in Thyolo District, Malawi. The study utilizes the Diffusion of Innovation Theory by E.M. Rodgers to understand the process of technology adoption in the context of social protection programs.
- Risks associated with e-payment systems for Social Cash Transfer Program beneficiaries.
- Opportunities offered by e-payment systems for Social Cash Transfer Program beneficiaries.
- Challenges encountered by beneficiaries in utilizing the e-payment system.
- The role of various stakeholders, including government agencies, TNM Mpamba Agents, and Community Support Staff, in addressing the identified risks and challenges.
- The impact of e-payment systems on beneficiary well-being and financial security.
Zusammenfassung der Kapitel (Chapter Summaries)
- Chapter 1: Introduction provides an overview of the study, outlining the background, statement of the problem, objectives, research questions, hypotheses, significance, scope, definition of terms, and a brief conclusion.
- Chapter 2: Literature Review delves into existing research on payment systems in social protection programs, particularly in Africa, with a focus on government efforts to address poverty and vulnerability. It then explores the specific context of the Social Cash Transfer Program in Malawi, the state of e-payment systems in the country, and a discussion of the general risks, opportunities, and challenges associated with payment systems.
- Chapter 3: Methodology outlines the research design, including the population, sample size, sampling procedure, sampling area, data collection methods, data analysis techniques, ethical considerations, and limitations of the study.
- Chapter 4: Findings presents the demographic characteristics of the respondents and analyzes the identified risks, opportunities, and challenges of the e-payment system, drawing connections between these findings and the theoretical framework.
Schlüsselwörter (Keywords)
Key terms and concepts explored in this study include: e-payment systems, Social Cash Transfer Program, risks, opportunities, challenges, diffusion of innovation theory, Malawi, Thyolo District, poverty, vulnerability, social protection, financial inclusion, beneficiary well-being.
- Quote paper
- Madalitso Nowa (Author), 2023, The E-Payment System in the Thyolo District. Risks, Opportunities and Challenges, Munich, GRIN Verlag, https://www.grin.com/document/1342321
