Frugal innovation is about achieving more value while using fewer resources. This concept
has found application across multiple domains, ranging from healthcare and transport to …

Purpose Recognising the high numbers of unbanked and financially excluded adults in
Nigeria, this study aims to position chatbot as a digital transformation tool to radically change …

This study aims to develop a model for the enablers, critical success factors (CSF) and
barriers to frugal innovation (FI). A systematic literature review (SLR) conducted on 372 …

Business models have historically facilitated the ability of firms to create and capture value.
Focusing on financial service agents (FSAs) as actors in the Nigerian financial services …

Theories of smart urbanism have overlooked the influence of contextual factors on the
conception, planning and implementation of digital transformation practices across regions …

Partnerships play a crucial role in unlocking the enormous potential of digital financial
services to increase access to affordable and scalable services in emerging markets. This …

This study examines the organization of resource-constrained innovation from a business
model perspective. Using a multiple case study design, we demonstrate that the ability to …

Purpose This paper aims to examine the impact of knowledge management functions
(acquisition, integration and utilization) on digital financial innovation through the …

Mobile money is purported to promote financial inclusion. The growing number of studies
have largely focused on transactions and related benefits with limited attention to emerging …

This study illuminates the linkages between disruptive innovation (DI) and sustainable
entrepreneurship (SE) within the context of small and medium firms (SMFs). By adopting a …