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A social network-based architecture for on-line RoSCAs in the developing world

Title:

A social network-based architecture for on-line RoSCAs in the developing world

Kounou, Gilles, Akpona, Christian, Ahouantchede, Herve, Gohou, Rose and Belqasmi, Fatna (2013) A social network-based architecture for on-line RoSCAs in the developing world. In: 4th ACM Annual Symposium on Computing for Development (ACMDev).

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Abstract

Rotating Saving and Credit Associations (ROSCA) (known as tontines in francophone Africa) are financial systems involving groups of individuals who put money together periodically and take turns to collect the kitty. They are off-line systems and are very popular in the developing world. However, they now face several challenges (e.g. geographical distance between participants, safety risks related to manual financial operations). An evolution towards on-line systems is now a necessity and this paper is a first step in that direction. It proposes an architecture which handles the participants of ROSCAs as end-users of a social network. The proposed social network accommodates poorly literate end-users who may live in areas with no Internet connection. It also integrates an online payment system. The rich cellular network connectivity that is commonplace in most developing countries is used to offset the poor Internet connectivity. Speech technologies (e.g. Interactive Voice Response – IVR, speech to text – STT, text to speech – TTS) are used to address the literacy issue

Divisions:Concordia University > Gina Cody School of Engineering and Computer Science > Concordia Institute for Information Systems Engineering
Item Type:Conference or Workshop Item (Poster)
Refereed:Yes
Authors:Kounou, Gilles and Akpona, Christian and Ahouantchede, Herve and Gohou, Rose and Belqasmi, Fatna
Date:December 2013
ID Code:980044
Deposited By: ROCH GLITHO
Deposited On:19 May 2015 19:26
Last Modified:18 Jan 2018 17:50
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