E-grocery supply chain innovation and financial inclusion: A framework
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Authors
Mkansi, Marcia
Mugurusi, Godfrey
Issue Date
2023
Type
Article
Language
en
Keywords
E-grocery , Supply Chain , Innovation , Financial inclusion , Supply Chain Finance
Alternative Title
Abstract
This paper explores the contextual influences of financial inclusion on e-grocery supply chain innovation. In particular, we explore how diverse financial models spur e-grocery supply chain innovations in a historical apartheid context of South Africa's township and rural communities. The unique context of e-grocery retail companies and the inherited structures of apartheid townships in South Africa present a peculiar context where unfamiliar economic models and prohibited business activities present deep insights into how such markets function. Using the multi-case study approach, eight semi-structured interviews were conducted with grocery retailers that use mobile applications. Data were analyzed using ATLAS.ti. The findings show that bank payment options have not been designed with e-grocery adoption and supply chain innovation in mind. The evidence further shows that the financial inclusion options given specific enablers provide a platform for e-grocery markets to adopt e-business, innovate their business models, subsidize payment infrastructural costs, and minimize e-customers’ transactional trust and privacy concerns. This according to the findings, enables small firms to reach the digitally challenged market, whilst bridging the digital divide.
Description
Citation
Mkansi, M. and Mugurusi, G., 2023. E-grocery supply chain innovation and financial inclusion: A framework. Procedia Computer Science, 217, pp.979-987.
Publisher
Elsevier
License
Journal
Volume
Issue
PubMed ID
DOI
ISSN
1877-0509