@article {1254,
	title = {Digital Payments: Impact Factors and Mass Adoption in Sub-Saharan Africa},
	journal = {Technology Innovation Management Review},
	volume = {9},
	year = {2019},
	month = {07/2019},
	pages = {41-55},
	publisher = {Talent First Network},
	address = {Ottawa},
	abstract = {This study explores impact factors that affect the adoption of digital payment systems in sub-Saharan Africa. In this article, we investigate the impact factors that subject-matter experts consider most important to the success of FinTech payment models. The data and their responses are evaluated through the lens of Christensen{\textquoteright}s market-creation theory, which contends that the adoption of market-creating innovations by a mass swathe of heretofore non-consumers {\textquotedblleft}pulls{\textquotedblright} framework conditions into place, including missing infrastructure and enabling regulation. Then, we compare the findings with the literature and three case studies of mobile money adoption in Kenya, South Africa, and Nigeria. This study addresses a gap in the literature regarding the payment and money transfer segment of FinTech innovations in Africa using a multiple case study methodology. We drew together information from multiple sources, including semi-structured interviews, archival data in the form of industry and regulatory reports, and observational field notes. Our findings suggest that enabling environments (Kenya) do jumpstart adoption and difficult frameworks (Nigeria) do evolve. This study will help FinTech innovators, academics, and policymakers to understand how technology and framework conditions impact payment business models in Africa. },
	keywords = {adoption, blockchain, FinTech, mobile money, non-consumption, payments, sub-Saharan Africa},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1254},
	url = {https://timreview.ca/article/1254},
	author = {Leigh Soutter and Kenzie Ferguson and Michael Neubert}
}
@article {1250,
	title = {Editorial: Insights (July 2019)},
	journal = {Technology Innovation Management Review},
	volume = {9},
	year = {2019},
	month = {07/2019},
	pages = {3-4},
	publisher = {Talent First Network},
	address = {Ottawa},
	keywords = {accelerators, adoption, Africa, architecture, business ecosystems, business models, design, digital payments, entrepreneurship, incubators, Innovation management, ISPIM, knowledge management},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1250},
	url = {https://timreview.ca/article/1250},
	author = {Chris McPhee}
}
@article {837,
	title = {Cybersecurity Capability Maturity Models for Providers of Critical Infrastructure},
	journal = {Technology Innovation Management Review},
	volume = {4},
	year = {2014},
	month = {10/2014},
	pages = {33-39},
	publisher = {Talent First Network},
	address = {Ottawa},
	abstract = {Critical infrastructure such as power generation and distribution systems, telecommunications networks, pipelines and pipeline control networks, transportation control networks, financial networks, and government information and communications technology (ICT) have increasingly become the target of cyber-attacks. The impact and cost of these threats, as well as regulatory pressure to mitigate them, have created an impetus to secure these critical infrastructures. Managers have many controls and models at their disposal to help them secure infrastructure technology, including cybersecurity capability maturity models to enable measurement and communication of cybersecurity readiness to top management teams, regulators, and customers, thereby facilitating regulatory compliance, corporate responsibility, and improved brand quality. However, information and awareness is lacking about which models are most appropriate for a given situation and how they should be deployed.

This article examines relevant cybersecurity capability maturity models to identify the standards and controls available to providers of critical infrastructure in an effort to improve their level of security preparedness. These capability models are described and categorized by their relevance to different infrastructure domains, and then recommendations are provided on employing capability maturity models to measure and communicate readiness. This article will be relevant to regulators, critical infrastructure providers, and researchers. },
	keywords = {adoption, bersecurity, capability maturity models, compliance, critical infrastructure, framework, municipalities, protection, regulation, standards},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/837},
	url = {http://timreview.ca/article/837},
	author = {Walter Miron and Kevin Muita}
}
@article {568,
	title = {A Business Application of the System Dynamics Approach: Word-of-Mouth and Its Effect in an Online Environment},
	journal = {Technology Innovation Management Review},
	volume = {2},
	year = {2012},
	month = {06/2012},
	pages = {42-48},
	publisher = {Talent First Network},
	address = {Ottawa},
	abstract = {In this article, we illustrate the use of system dynamics modeling approach to study a complex system: word-of-mouth. Word-of-mouth plays an important role in reducing risk and uncertainty in purchase and consumption. Most of the prior research on word-of-mouth focused on studying either the factors that trigger consumers{\textquoteright} participation (sending or receiving) in word-of-mouth activities or the impact word-of-mouth information has on consumers{\textquoteright} buying decisions. The relationship between the two decision processes, however, is recursive and dynamic. Most prior studies have not focused on a recursive relationship. Our objective is to present a system dynamics model for the study of the relationship between the buying decision and the decision to participate in word-of-mouth communication. We also discuss how system dynamics modeling can be used in other complex problems in business such as the creation of a global business.},
	keywords = {adoption, modeling, recursive relationship, system dynamics, word-of-mouth},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/568},
	url = {http://timreview.ca/article/568},
	author = {Roman Wong and Shirley Ye Sheng}
}
