Software as a service: An opportunity for disruptive innovation in the microfinance software market? (notice n° 1120470)
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| fixed length control field | 02201cam a2200253 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250413023047.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Ashta, Arvind |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | Software as a service: An opportunity for disruptive innovation in the microfinance software market? |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2013.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 75 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Technologies such as MIS may be a solution to lower operating and transaction costs in microfinance. However, the long tail of small Microfinance Institutions (MFIs) finds proprietary software expensive and open source software difficult to adopt. The specificities of the microfinance sector and its large diversity require a high degree of support from MIS suppliers. Shared infrastructure solutions such as Software-as-a-Service (SaaS) offers a good option to bring down costs and remove uncertainties. Essentially, a SaaS provider uses a software solution which they host in the cloud. The MFIs use this and are charged on the number of transactions, accounts or customers. This article provides technical details of how SaaS will operate in an international microfinance setting with its unique problems. To overcome the lack of reliable Internet connectivity encountered whilst working in developing countries, SaaS solution providers must offer flexible approaches such as use of GPRS and as a last resort, a local server as a backup. Case studies on a few early innovators (MicroPlanet Technoloiges, Mambu, IBM, FINO, MOSTFIT, MFiFlex) illustrate the mechanics of this partnership between MIS and Microfinance. Innovation diffusion will require institutional change and institutional work by the change agents.JEL Codes: L86, O14, O32, O33 |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Application Service Provider (ASP) |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Management Information System (MIS) |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | microfinance |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | poverty |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | SaaS |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | shared infrastructure |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Patel, Jiten |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Patel, Jiten |
| Relator term | author |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Journal of Innovation Economics & Management | 11 | 1 | 2013-03-01 | p. 55-82 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-journal-of-innovation-economics-2013-1-page-55?lang=en&redirect-ssocas=7080">https://shs.cairn.info/revue-journal-of-innovation-economics-2013-1-page-55?lang=en&redirect-ssocas=7080</a> |
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