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首页> 外文期刊>The European journal of development research >Frugal Innovations in Technological and Institutional Infrastructure: Impact of Mobile Phone Technology on Productivity, Public Service Provision and Inclusiveness
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Frugal Innovations in Technological and Institutional Infrastructure: Impact of Mobile Phone Technology on Productivity, Public Service Provision and Inclusiveness

机译：技术和机构基础设施的节俭创新：移动电话技术对生产力，公共服务提供和包容性的影响

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摘要

This paper examines frugal innovations as processes, products and systems that affect the resource constraints that are typical for many developing countries. The focus is on the impacts of mobile phone technology-induced frugal innovations' on the resource constraints and how these influence productivity, public services provision and inclusiveness. The effects are illustrated with the help of the case of the M-Pesa payment system and more specifically two particular services that use M-Pesa, i.e. Kilimo-Salama, an agricultural microinsurance through mobile phones and M-Farm, market access services for small farmers. The results reveal positive impacts on private sector productivity and public services provisions due to, among others, reduction of transaction length and hence costs. With regard to inclusiveness it is likely that in the short term the application of IT-induced frugal innovations will not be inclusive. In the longer term the inclusiveness of these innovations can be expected to increase.
机译：本文将节俭的创新视为影响许多发展中国家的典型资源约束的过程，产品和系统。重点在于手机技术带来的节俭创新对资源约束的影响，以及这些约束如何影响生产力，公共服务提供和包容性。借助M-Pesa支付系统，更具体地说是使用M-Pesa的两个特定服务即Kilimo-Salama（通过移动电话和M-Farm的农业小额保险）为小型市场提供服务，说明了这种影响。农民。结果表明，由于减少交易时间并因此降低了成本，因此对私营部门的生产率和公共服务提供了积极的影响。关于包容性，短期内可能不会包含IT引起的节俭创新。从长远来看，这些创新的包容性有望提高。

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