The E-Payment System in the Thyolo District. Risks, Opportunities and Challenges

Academic Paper , 2023 , 58 Pages

Social Work

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.

TABLE OF CONTENTS

ABSTRACT

List of Tables

List of figures

List of abbreviations and acronyms

CHAPTER 1
1.0 Introduction
1.1 Background
1.2 Statement of the problem
1.3 Objectives
1.3.1 Main objective
1.3.2 Specific Objectives
1.4 Research Questions
1.5 Hypotheses
1.5.1 Null Hypothesis (Ho)
1.5.2 Alternative hypothesis (Hi)
1.6 Significance of the study
1.7 Scope of the study
1.8 Definition of terms
1.9 Conclusion

CHAPTER 2
2.0 Introduction
2.1 Main Review of literature
2.1.1 Payment systems in social protection programs: African perspective
2.1.2 Government efforts in addressing poverty and vulnerability through social support
2.1.3 Social cash transfer program in Malawi
2.1.4 The state of e-payment system in Malawi
2.1.5 Risks, opportunities and challenges of payment systems
2.2 Conceptual framework of the study
2.3 Theoretical framework
2.4 Conclusion

CHAPTER 3
3.0 Introduction
3.1 Research Design
3.2 Population of the study
3.3 Sample size
3.4 Sampling Procedure
3.5 Sampling area
3.6 Sources of data collection
3.7 Methods of data collection
3.8 Tools for data collection
3.9 Validity and Reliability measures
3.10 Tools for data analysis
3.11 Data management and Ethical considerations
3.12 Limitations of the study
3.13 Conclusion

CHAPTER 4
4.0 Introduction
4.1 Demographic Characteristics of the respondents
4.1.1 Gender distribution of the respondents
4.1.2 Age distribution of the respondents
4.1.3 Marital status of the of the respondents
4.1.4 Education Level of the respondents
4.1.5 Mobile Phone possession
4.2 Risks of E-payment system
4.2.1 Level of understanding about e-payment
4.2.2 Mobile phone usage
4.2.3 Fraud
4.2.4 Reporting of cases
4.2.5 Distance travelled to reach Mpamba Agents
4.3 Opportunities of E-payment system
4.3.1 Utilization of e-payment platform
4.3.2 Savings
4.3.3 Decision making
4.3.4 Phone usage
4.3.5 Time spent in accessing the money
4.4 Challenges of E-payment system
4.4.1 Availability of TNM Mpamba Agents
4.4.2 Timeliness of funds disbursement
4.4.3 Level of satisfaction of service delivery by TNM Mpamba Agents
4.4.4 Network connectivity
4.4.5 Level of satisfaction on service delivery by CSSCs
4.4.6 Level of satisfaction on service delivery by the district council
4.4.7 Level of satisfaction with helpline toll free service
4.5 Theory and hypothesis testing
4.6 Conclusion

CHAPTER 5
5.0 Introduction
5.1 Discussion of the findings
5.2 Recommendations
5.3 Implication of the study to social work practice
5.4 Areas for further research
5.5 Conclusion

References

Appendix 1: Survey questions for Social Cash Transfer Program Beneficiaries

Appendix 2: Interview Guide for CSSCs, TNM Mpamba Agents, DTTs and DSSCs

• Course: Master of Social Work in Community Development
• Author: Madalitso Nowa (Author)
• Publication Year: 2023
• Pages: 58
• Catalog Number: V1342321
• ISBN (PDF): 9783346849229
• ISBN (Book): 9783346849236
• Language: English
• Tags: Social Cash Transfer Program, E-payment, Beneficiaries