This document is a research paper investigating the adoption of near-field communication (NFC)-enabled mobile payments among small, medium and micro enterprises (SMMEs) located in the Western Cape of South Africa. It includes an introduction on mobile technologies, payments and NFC. The problem statement asks how ready SMMEs and mobile users are to adopt mobile payments using NFC. The objectives are to understand the benefits of NFC technology for businesses. The main research question asks about the impact on SMMEs in the Western Cape from adopting mobile payments via NFC. The methodology section describes the use of qualitative and quantitative research methods including questionnaires and literature reviews. Key findings include a low response rate to surveys and lack of innovative knowledge

1. Cape Peninsula University of Technology
Informatics Design
Information Technology
BTech Program
Author: Kazumba zouzou
Supervisor Name: Mr. Peter Swartz

2. Title: An investigation Into Adoption
of NFC-enabled Mobile Phone
Payments under SMME’S
Located in The Western Cape.

3. Table of contents
1. Introduction
2. Problem Statement
3. Research Objectives
4. Main Research Question
5. Research Methodology
5.1. Methodology Process
6. Findings
7. Limitations of study
8. Conclusion
9. Recommendations and Key References

4. 1. Introduction
 The Mobile technologies Importance for business
 Proliferation of Mobile Phone in south Africa
 Mobile Payments: Method to transfer Money instead of
using cash
 Near Field Communication(NFC):developed by Nokia,
Philips and Sony 2002 and adopt as Standard by ISO
(December 2002).
 Near Field Communication Payment: works by nearing
and correlation two points of data for transaction, the
Radio Frequency identification as well as secure
encrypted password

5. 2. Problem Statement
 How SMME’S and Mobile users are ready to adopt
the usage of Mobile payments for purchase of
physical good utilizing NFC technology.

6. 3. Research Objectives
 To understand the value-added benefits of NFC
technology in business: Security, Safety and quicker to
use.

7. 4. Research Question
 What will the impact be for SMME’s within the
Western Cape when they would adapt to using
Mobile phone payments via NFC technology?

8. 5. Research Methodology
 Qualitative and Quantitative Research Methods.
 Quantitative Data due to attained through
analysis executed on questionnaires results.
 Literature was collected and studies to
accumulate Qualitative Data.
 Independent var. NFC and Dependents var.
business model/value chain/Profit formula and
sales Margin

9. 5.1. Methodology Process
Question
Design
SMMES/Mobile
Users
(Unit of analysis)
Analyze Data
Data
Collection
Result
Interviews

10. 6. Findings
 None respondents to the online survey
 Hand distributed 20 respondents, is below the
desired number of 50.
 10 respondents disqualified from the study
 SMMES owners and manager don’t have
necessary innovative knowledge
 Lack of entrepreneurship skills and vision,
closed customer driven, unable to increase
numbers and users are away but not making
use of it.

11. 7. Limitations of Study
 Time constraint was the major factor in this
research paper. The study limited to five
SMME’s located in cape town selected as the
researcher couldn’t go to all SMME’s
businesses located in Western Cape Province.

12. 8. Conclusion
 The research study raise a number of
interesting for further research and debate
regarding the topic

13. 9. Recommendations
 Local South African Banks ,Credit card
companies and handset manufacture has
major role to play on this innovation.

14. 10. Key References
 Chidembo, N.2009.Exploring Consumer
Adoption of NFC-enabled Mobile Payment in
South Africa Pretoria: university of Pretoria.
 Mabinya, B.2011.The impact of Mobile
Technologies on the Business Models of
SMME’S in Pietermaritzburg. Pretoria: Gordon
institute of business

15. 11. Acknowledgements
 Thanks to my BTech lectures and my family
and friends present here.
 Gracias ,Merci !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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