%0 Journal Article %J Technology Innovation Management Review %D 2019 %T Digital Payments: Impact Factors and Mass Adoption in Sub-Saharan Africa %A Leigh Soutter %A Kenzie Ferguson %A Michael Neubert %K adoption %K blockchain %K FinTech %K mobile money %K non-consumption %K payments %K sub-Saharan Africa %X 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’s market-creation theory, which contends that the adoption of market-creating innovations by a mass swathe of heretofore non-consumers “pulls” 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. %B Technology Innovation Management Review %I Talent First Network %C Ottawa %V 9 %P 41-55 %8 07/2019 %G eng %U https://timreview.ca/article/1254 %N 7 %1 International School of Management (ISM) Paris Leigh Soutter is a Vice President at Florence Venture Partners, an angel investment group in Silicon Valley that helps entrepreneurs start great businesses. She holds a PhD in GES Hydrogeology from Stanford University in the United States and has leveraged her experience with scientific computing as a technology consultant, entrepreneur, and investor. Dr. Soutter currently is working towards a second PhD at the International School of Management (ISM) in Paris where her dissertation research involves the role of innovative technologies in emerging markets. %2 International School of Management (ISM) Paris Kenzie K. Ferguson is a recognized leader in corporate social responsibility (CSR). She built an award-winning CSR department for a multinational S&P 500 Company. Ms. Ferguson recently joined Delta Dental of California as their Vice President of Foundation and CSR. She is distinguished as an influencer with a growth mindset, creative problem-solving skills, and an ability to achieve goals with limited resources. Ms. Ferguson holds a Bachelor of Arts in Russian Studies from the University of California in the United States and an MBA from Nyenrode University in the Netherlands, and she is currently a PhD candidate at the International School of Management (ISM) in Paris. %3 International School of Management (ISM) Paris Michael Neubert is a Professor at the International School of Management (ISM) in Paris, France, where he obtained his PhD and is now also Chair of the Strategic Management Committee. He teaches doctoral-level courses in FinTech, valuation and acquisition, and international finance, among other subjects. His research interests concern the valuation and the development of innovative high-tech startups from emerging markets. Michael is a member of the Academy of Management, and he is a partner of a private equity firm that invests in high-tech startups and supports them in the development of new foreign markets. %R http://doi.org/10.22215/timreview/1254 %0 Journal Article %J Technology Innovation Management Review %D 2019 %T Editorial: Insights (July 2019) %A Chris McPhee %K accelerators %K adoption %K Africa %K architecture %K business ecosystems %K business models %K design %K digital payments %K entrepreneurship %K incubators %K Innovation management %K ISPIM %K knowledge management %B Technology Innovation Management Review %I Talent First Network %C Ottawa %V 9 %P 3-4 %8 07/2019 %G eng %U https://timreview.ca/article/1250 %N 7 %1 Technology Innovation Management Review Chris McPhee is Editor-in-Chief of the Technology Innovation Management Review. Chris holds an MASc degree in Technology Innovation Management from Carleton University in Ottawa, Canada, and BScH and MSc degrees in Biology from Queen’s University in Kingston, Canada. He has nearly 20 years of management, design, and content-development experience in Canada and Scotland, primarily in the science, health, and education sectors. As an advisor and editor, he helps entrepreneurs, executives, and researchers develop and express their ideas. %R http://doi.org/10.22215/timreview/1250 %0 Journal Article %J Technology Innovation Management Review %D 2014 %T Cybersecurity Capability Maturity Models for Providers of Critical Infrastructure %A Walter Miron %A Kevin Muita %K adoption %K bersecurity %K capability maturity models %K compliance %K critical infrastructure %K framework %K municipalities %K protection %K regulation %K standards %X 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. %B Technology Innovation Management Review %I Talent First Network %C Ottawa %V 4 %P 33-39 %8 10/2014 %G eng %U http://timreview.ca/article/837 %N 10 %1 Carleton University Walter Miron is a Director of Technology Strategy at TELUS Communications, where he is responsible for the evolution of their packet and optical networks. He has over 20 years of experience in enterprise and service provider networking conducting technology selection and service development projects. Walter is a member of the research program committee of the SAVI project, the Heavy Reading Global Ethernet Executive Council, and the ATOPs SDN/nFV Working Group. He is also Chair of the Venus Cybersecurity Corporation and a board member of the Centre of Excellence for Next Generation Networking (CENGN) in Ottawa, Canada. Walter is currently a graduate student in the Technology Innovation Management (TIM) program at Carleton University in Ottawa, Canada. %2 Carleton University Kevin Muita is a graduate student in the Technology Innovation Management program at Carleton University in Ottawa, Canada. He has a Bachelor's degree in Technology from Africa Nazarene University in Nairobi, Kenya. He has co-founded two technology startups: a network consultancy company and a systems installation and maintenance company. He has experience in logistics and supply chain management, having managed a Coca-Cola distribution network in Kenya, overseeing a successful 300% increase in sales volume, operations, and service delivery. %R http://doi.org/10.22215/timreview/837 %0 Journal Article %J Technology Innovation Management Review %D 2012 %T A Business Application of the System Dynamics Approach: Word-of-Mouth and Its Effect in an Online Environment %A Roman Wong %A Shirley Ye Sheng %K adoption %K modeling %K recursive relationship %K system dynamics %K word-of-mouth %X 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’ participation (sending or receiving) in word-of-mouth activities or the impact word-of-mouth information has on consumers’ 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. %B Technology Innovation Management Review %I Talent First Network %C Ottawa %V 2 %P 42-48 %8 06/2012 %U http://timreview.ca/article/568 %N 6 %1 Andreas School of Business of Barry University Roman Wong is a professor in the areas of information systems and operations management at the Andreas School of Business of Barry University. He received his PhD in information systems from Southern Illinois University at Carbondale, and he received an MBA from the University of North Carolina at Charlotte. Before joining Barry University, he held a faculty position at the California State University at Northridge. His current research interests include the interrelations between the online review and product adoption processes and the development of innovativeness in emerging countries. %2 Andreas School of Business of Barry University Shirley Ye Sheng is an Assistant Professor of Marketing at Andreas School of Business of Barry University. She received her PhD in Business Administration with a Marketing concentration from Florida Atlantic University in the United States, and she received a Master of Science degree in Finance from Leicester University in the United Kingdom. Her research focuses on international marketing, consumer behavior, and marketing history. %R http://doi.org/10.22215/timreview/568