E-commerce capabilities assessment: -security of e-payment systems- case of the democratic republic of congo
par Espérant Ngongo Mbuli
University of Walles - Master in Advanced information technology and Business Management 2013
E-commerce capabilities assessment:
Author: Esperant NGONGO
Supervisor: Prof. Roberta Bernardi
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E-commerce capabilities assessment: security of e-payment systems. Case of the Democratic republic of Congo
Table of Content
3.1. Introduction 34
3.2. Research design and justification 34
3.2.1. Introduction 34
3.2.2. Choice of the methodology 36
3.3. Data collection and sampling 37
3.3.1. Sampling technique 37
3.3.2. Sampling definition 38
3.3.3. Data collection method 39
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3.4. Data analysis 40
3.4.1. Introduction 40
3.4.2. Data analysis method 41
7.1. List of abbreviations 57
7.2. List of figures 58
7.3. List of table 58
7.4. Questionnaire 69
Statement of originality
In presenting this dissertation for assessment, I declare that it is a final copy including any last revisions. I also declare that it is entirely the result of my own work other than where sources are explicitly acknowledged and referenced within the body of the text. This dissertation has not been previously submitted for any degree at this or any other institution.
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Esperant NGONGO MBULI
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This research study investigates to what extend the e-payment systems are secured in order to contribute to the development of e-commerce capabilities in the Democratic Republic of Congo (DRC). This study has also assesses the existence of adequate e-commerce capabilities in terms of e-payment systems and how their security can be leveraged to really contribute to their effective use in the electronic payment transaction.
The research uses the survey method with questionnaire based on closed questions built from the checklist published by the International Standards Organization (ISO) as framework for information security assessment.
The major conclusion of this study is that some capabilities for e-commerce such as e-payment systems are available in the country but their security must be enforced and managed for the advert of e-commerce era which is yet in its inception phase.
I would like to thank the following people who provided to me significant support for the completion of my MBA program and this research, namely:
- Professor Roberta Bernardi, my supervisor, she has been a great source of advice and guidance in the development of this research and her valuable
support on reading material was highly appreciated. Thank you so much.
- My lovely wife, Tina who has been an important pillar and source of motivation through my MBA program and during this research. Thank you for your patience and lovely commitment shown.
- My children, Grace, Kelly, Joyce, Marie-Rose and Esperance Junior to whom I missed during the time I was involved in my journey to MBA and for the fun time sacrificed to the benefit of this research. This study is dedicated to you as source of motivation and inspiration for your studies as well.
- The professors at Robert Kennedy College who gave us valuable intellectual foods and reading materials for the acquisition of knowledge in Advanced Information Technology and Business Management. Thank you for your devotion.
- Above all, the Mighty GOD for the blessing given to the success of this achievement
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Chapter 1: Introduction
E-commerce is a new form of digital economy development where no physical boundary and face-to-face interaction are necessary to do commercial transaction.
In the Democratic republic of Congo (DRC), the fact that the growth of mobile technology and the large penetration of mobile telephony companies in the country, despite the fact that the telecommunication infrastructure in not well developed, can constitute an opportunity for the e-commerce development.
However, there is no research available to assess effectively the capabilities readiness of the country for the development of e-commerce.
The aim of this work is to assess if adequate e-commerce capabilities exist in the country and how they can be leveraged to the development of e-commerce. The focus will be given to the payment systems and their security.
This research in not intended to examine all capabilities involved in the development of e-commerce. According to the actual stage of telecommunication infrastructure development in the country, the adoption of the mobile telephony system as primary telecommunication media and the opportunity currently exploited by three major operators in mobile fund transfer system, the scope of this work will be limited to the main capabilities which are likely to be preponderant to an effective e-commerce development.
The following capabilities will be covered by the study:
Of course some aspect of regulation will be considered also as governance capabilities.
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The study will be limited to the capital city of the country, Kinshasa, where there is a potentiality of e-commerce development according to the fact it is the first business center in the country where most of big businesses and banks have their head quarters.
Findings and recommendations will be then easily replicated to the most of urban areas of the country where minimal capabilities are available.
There are no available statistics published in the country about e-commerce; the e-commerce is not yet in inception phase. This work will be among the first step in the research about the e-commerce development in the country.
Therefore, the objective of the research can only be achieved by collecting data from different available sources of information in areas where e-commerce capabilities are likely to be present ; academic researches, special journal in IS and web resources. The research will also use data collected from survey via interviews of organizations which will be involved in the e-commerce development, mostly banks, regulation board and Mobile operators.
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Chapter 2: Literature review
Many authors defined e-commerce by designing a commercial activity conducted by the use of internet and/or electronic systems (Turban et al. 2008, Laudon and Laudon, 2006, Cobham, 2005).
Among the definitions chosen, Turban et al. (2008: p4) describe e-commerce as «a process of buying, selling, transferring, or exchanging products, services, and/or information via computer networks, including the Internet».
The Laudon's used the term Internet and web for the business transaction to define e-commerce (K. Laudon & J. Laudon, 2006), while a year before Graham Curtis and David Cobham (2005, p212) defined e-commerce in its broadest context as «any exchange of information or business transaction that is facilitated by the use of information and communication technologies».
In the same vision as Curtis and Cobham, Beynon-Davies (2002) separate the concept e-commerce which constitute the exchange of goods and services between businesses, individuals or groups by the use of Information and Communication technology (ICT) and I-commerce which is the use of internet technologies to enable e-commerce.
It means that the development of e-commerce couldn't be possible without the development of ICT and specially the Internet technology which is one of the key drivers for e-commerce development.
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II.3. Types of e-commerce
It is better to know how e-commerce is classified to understand the different business models provided by this new economy.
Turban et al. 2008, K. Laudon and J. Laudon, 2006, David Cobham, 2005) classify electronic commerce by the nature or the way the participants involve in the electronic transaction. According to this point of view, three forms of e-commerce are identified:
However, with the development of mobile and wireless technologies, the use of e-commerce, which was primarily conducted through fixed computers and networked terminals, can now be conducted wirelessly. This new development gives a new concept of e-commerce called Mobile commerce or m-commerce (Turban et al. 2008).
9Impact, le film from Onalukusu Luambo on Vimeo.