Bridging the ICT4D Design-Actuality Gap: 'Human ATMs' and the Provision of Financial Services for 'Humble People'

机译：弥合ICT4D设计 - 现实差距：“人体自动取款机”以及为“卑微的人”提供金融服务

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Most challenges in ICT for development (ICT4D) projects can be related to differences in perceptions of systems developers and their actual users. Such design-actuality gaps exist both because designers take an uninformed stance towards the user context, and also because problems that ICT4D projects address are nested in systems whose interplay is nearly impossible to predict. Although gaps are inevitable, users are not passive recipients whose only choices are to accept shortfalls in design or reject ICT4D technologies. Rather, users may act to remedy shortfalls through system work-arounds. In this paper we investigate the design use gap in the Brazilian correspondent banking model, an ICT4D project in which local small businesspeople interact with social, financial, government, and technical systems to provide financial services mostly for poor populations. Our findings suggest that correspondents' acts to alter the financial and social systems proved sufficient to permit success of the project. Our results point to the importance of taking into account user actions and the separate roles of individual systems when designing ICT4D projects and theorizing their performance.

机译：ICT开发的大多数挑战（ICT4D）项目可能与系统开发人员及其实际用户的看法有关。这种设计实际差距存在，因为设计人员对用户上下文进行了不知情的立场，并且还因为ICT4D项目地址的问题嵌套在其相互作用几乎无法预测的系统中。虽然差距是不可避免的，但用户不是被动收件人，其唯一选择是在设计或拒绝ICT4D技术方面接受短缺。相反，用户可以通过系统工作来解决短缺。在本文中，我们调查了巴西通讯银行业模型中的设计使用差距，ICT4D项目，其中当地小商人与社会，金融，政府和技术系统互动，以便为贫困人口提供金融服务。我们的调查结果表明，通讯员的行为使财务和社会制度的行为足以允许该项目的成功。我们的结果指出，在设计ICT4D项目和了解其性能时，考虑到用户行为以及各个系统的单独角色的重要性。

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《International Conference on Information Resources Management》|2013年||共11页
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Eduardo H. Diniz; Diane E. Bailey; Stephanie L. Dailey; Dan Sholler;
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中图分类 G20-53;
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ICT4D; Design-actuality gap; Correspondent banking; Financial inclusion; Social systems;

机译：ICT4D;设计 - 实际差距;通讯银行;财务包容;社会制度;

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Bridging the ICT4D Design-Actuality Gap: 'Human ATMs' and the Provision of Financial Services for 'Humble People'

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