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All Journal Indonesian Journal of Information System International Journal of Entrepreneurship, Business, and Creative Economy
Stofile, Regina
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Humanities Computer Science & IT Economics, Econometrics & Finance Social Sciences

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The Radical and Disruptive Entrepreneurial Innovation Culture in South Africa’s townships Gavaza, Bramwell Kundishora; Fihla, Siphenathi; Stofile, Regina
International Journal of Entrepreneurship, Business and Creative Economy Vol. 5 No. 1 (2025): January
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v5i1.2785

Abstract

Entrepreneurial innovation culture equips entrepreneurs with essential business management skills while providing a broader understanding of societal and economic development factors. This study examined South African townships’ radical and disruptive entrepreneurial innovation culture. Entrepreneurial innovation culture leads to small businesses maintaining their competitive advantage in the market. Therefore, investigating the inclusion of concepts such as entrepreneurial radicalism and disruptive innovation as elements to the entrepreneurial innovation culture in South Africa’s townships can help South African township entrepreneurs and business practitioners formulate guidelines to regulate business operations in townships. The study was conducted using a qualitative research approach, and convenience and purposive sampling methods were used to collect data. The study was conducted with 30 participants who are small business owners in South African townships. The data were collected using five focus groups from the selected 30 participants. The results provided evidence of three factors influencing the township’s small business environment: disruptive technology, entrepreneurial culture, and entrepreneurial radicalism. Moreover, the findings indicated that the township entrepreneurs in South Africa have developed a unique way of conducting business that maintains a competitive edge and ensures business growth and profitability. The study concludes that using new entrepreneurial strategies and technology in small businesses significantly derives a radical and disruptive innovation culture in South African townships that is capable of maintaining a competitive edge and ensuring business growth and profitability
Financial Technology Adoption in Public Financial Management of South Africa: a Path Toward Digital Transformation Enwereji, Prince Chukwuneme; Stofile, Regina
Indonesian Journal of Information Systems Vol. 8 No. 2 (2026): February 2026
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/ijis.v8i2.12959

Abstract

This study examines the adoption of Financial Technology in South African public sector financial management. The study adopted a qualitative research approach and depended on literature reviews for data collection. A total of 260 articles were downloaded for this study while only 11 articles were used after rigorous selection criteria. The findings show that mobile payments and digital banking have significantly improved financial inclusion, especially in urban areas, although adoption in rural regions has been slower due to challenges such as poor infrastructure and low digital literacy. More advanced FinTech solutions, like blockchain and Artificial Intelligence, are still in early stages. The adoption of FinTech has led to greater efficiency in government financial processes, automating tasks like payments and tax filings, which has reduced manual workloads and sped up service delivery. Blockchain technology has improved transparency and accountability and has allowed for better tracking of public funds and reducing the risk of fraud. However, the full potential of FinTech has been limited by barriers like outdated infrastructure, regulatory gaps, and resistance to change within the public sector. To unlock the full potential of FinTech, the study recommends among others, improving digital infrastructure, enhancing digital literacy, and strengthening regulatory frameworks. Keywords: Financial technology, Public financial management, Blockchain technology, Digital transformation, Financial inclusion, Digital financial services
Co-Authors Enwereji, Prince Chukwuneme Fihla, Siphenathi Gavaza, Bramwell Kundishora