Digital financial management skill training for women’s informal saving groups in Dodoma, Tanzania: Mapping user requirements

Madina Hamisi Juma, Nasibu Rajabu Mramba, Jarkko Suhonen, Alsen Florian Kapinga and Matti Tedre

African Journal of Science, Technology, Innovation and Development, 2025, vol. 17, issue 1, 132-144

Abstract: Financial management skills are important for the performance of informal saving groups (ISGs) for making informed financial decision-making. Digital training solutions present a convenient, ubiquitous, and relatively affordable skills development mechanism. Despite the importance of digital financial management skills to ISGs, knowledge is lacking on how to design and develop digital learning solutions relevant to the ecosystem of ISGs. This qualitative study combined a design science research framework and cognitive fit theory to map the digital financial management skills relevant to women’s ISGs. The results indicate women’s ISGs need mobile applications with usability features tailored for financial recording, tracking, and coordination. The results further show that financial planning, management, and recording are desired financial management skills in such ISGs. The study also found that while aligning tasks and mental representations improves performance, it is crucial to consider contextual factors to ensure the relevance of these tasks and solutions. The research implies there is a need for contextualized and localized digital solutions that meet the needs and requirements of ISGs and marginalized people. The study also extends the application of cognitive fit theory within design science research and underlines its implications for information and communication technology for development (ICT4D).

Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
http://hdl.handle.net/10.1080/20421338.2024.2434284 (text/html)
Access to full text is restricted to subscribers.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:taf:rajsxx:v:17:y:2025:i:1:p:132-144

Ordering information: This journal article can be ordered from
http://www.tandfonline.com/pricing/journal/rajs20

DOI: 10.1080/20421338.2024.2434284

Access Statistics for this article

African Journal of Science, Technology, Innovation and Development is currently edited by None

More articles in African Journal of Science, Technology, Innovation and Development from Taylor & Francis Journals
Bibliographic data for series maintained by Chris Longhurst ().