アドゥバ ジョセフ ジュニア
ADUBA JOSEPH JUNIOR
ADUBA JOSEPH JUNIOR
所属 BKC社系研究機構
職名 上席研究員
言語種別 英語
発行・発表の年月 2021
形態種別 研究論文(学術雑誌)
査読 査読あり
標題 Analysing and forecasting the diffusion of electronic payments system in Nigeria.
執筆形態 共著
掲載誌名 Technology Analysis and Strategic Management
掲載区分 国外
出版社・発行元 Routledge, Tailor and Francis Online
巻・号・頁 1-19
総ページ数
担当範囲 Design, data analysis, results and discussion of the findings
担当区分 筆頭著者 , 最終著者 , 責任著者
著者・共著者 Aduba, Joseph Jr. and Asgari, Behrooz
概要 The electronic payments system is among recent service innovations that have transformed access to finance in developing and emerging economies. This paper analyses and forecasts the diffusions of four major electronic payment technologies in Nigeria, namely, ATM, PoS, Mobile and Web payments. Diffusion was measured by the volume of financial payments transacted on these technologies. First, we applied two growth models to evaluate the diffusion and to forecast the future trajectories of these payment technologies. Second, we applied the logistics substitution model to evaluate how these technologies compete in the Nigerian payments market. The findings show that like many technological innovations the diffusions of electronic payment technologies are characterised by growth, maturity, saturation, and decline. In addition, the mobile payment system was forecast to emerge as the most diffused payment technology given the volume of financial exchange that will occur on this platform. These findings have implications for innovators, regulators and service providers within the Nigerian payment ecosystems. The findings also have practical implications for achieving the cashless economy and the financial inclusion projects of the Nigerian state which rely on the successful diffusions of these technologies.