Purpose Financial technology innovation within the developed world is driving financial markets, yet its adoption is lagging among consumers in emerging markets. At the same time, most African economies continue to be at the tail end of global financial innovations adoption. Given lagging consumer adoption of cryptocurrency in South Africa, the purpose of this paper is to apply the theory of planned behaviour (TPB) to predict behavioural intention to adopt cryptocurrency. Design/methodology/approach A survey instrument based on the TPB was used to collect quantitative data for predicting adoption from adult distance students at the Mancosa, Cape Town campus. For data analysis, the two-step structural equation modelling approach was used. Findings The findings indicate that attitude and perceived behavioural control positively impact the intention to adopt cryptocurrency. Subjective norm showed a negative non-significant influence. Overall, the results of the study show that the model has a good model fit and can be used to explain the theory. Research limitations/implications The results of this study may not be generalisable to the wider population as it is only based on a cross-sectional study of a sample of adult students at a single institute in South Africa. Originality/value The contribution of this paper is threefold: it is one of a few studies on the behavioural intention to adopt cryptocurrency in South Africa using the TPB model, it contributes towards the use of predictive behavioural economics models in understanding consumer behaviour critical to accelerating the adoption of financial innovations, and the results of the study also inform behaviour change strategies that can be applied by practitioners or policymakers to improve adoption. Studies of this nature may lead to the development of financial innovation in emerging markets through a nuanced understanding of consumer behaviour.

Informal Small and Medium Enterprises (SMEs) play a key role in their respective economies over the world particularly in the African continent. This paper reviews various theories on SMEs towards understanding the potential of the informal sector in the context of African countries. The paper uses a theoretical approach for the purpose of assessing the challenges that have affected the development of the informal SMEs sector over the years in both the developing and developed world. Economically developing countries in Africa pose unique challenges to informal SMEs development compared to the developed countries. The paper reviews the theories that define the rise to informality in Africa by identifying the key determinants for the emergence of informal SMEs. A conceptual framework for assessing informal SME’s potential for Africa is developed. The conceptual framework is based on the Fishbone diagram developed by Kaoru Ishikawa (1986). This paper discusses the intricacies of the applicability of the proposed conceptual framework to assess the potential of the informal SMEs in Africa and the way forward for the formalization debate.

Purpose The purpose of this study is to unravel the changing nature of climate change impact on the food and human security sector of the Nigerian State. Design/methodology/approach This study is an in-depth case study that involves the use of both quantitative and qualitative data. Statistical data on climate variability in Nigeria obtained from reliable databases were use in the making of analysis. Also, data derived from semi-structure interviews and special reports from International Non-governmental organizations on the subject matter were also used in the study. The findings of the study were based on an in-depth analysis of both primary and secondary sources of data. The secondary data were derived from existing published academic works. The primary data was developed using qualitative data that were collected from January to November, 2018 to 2019 in the different regions of Nigeria. For the South East, primary data was collected from Abakaliki, Ebonyi State. In the South-South, primary data was collected from Asaba, Delta State. In the South West, primary data was collected from Barutin, Kwara State. In the North East, primary data was collected from Maiduguri, while in North West, data was collected from Gusau, Zamfara State. In the North Central, data was collected from Markurdi, Benue State. During the data collection, 48 semi-structured Key Informant Interviews (KIIs) were carried out in the six selected research areas that represented their geo-political zones. Six Focus Group Discussions (FGDs) were carried out, one for each of these six selected cities. Each of the Focus Group Discussions comprised between five and seven respondents. The idea of KIIs and FGDs is to allow the respondents to freely express their ideas comprehensively. Again, in other to get varied forms of responses, the respondents are mainly farmers however, a number of NGOs, civil servants, fertilizer sellers, government officials, transporters and aged men and women/retirees. It should be noted that the respondents cut across male and female gender of all ages and ethnic configuration. The respondents were also randomly selected through social networking. To avoid having people of similar The KIIs were three academics; two community leaders; two small scale fish farmers; rice, cassava, fish, livestock and crop farmers. All KIIs ad TIs were transcribed and analysed using thematic content analysis. Findings The findings revealed that climate change has negatively affected food security in Nigeria. it has also led to continuous armed confrontations over natural resources thereby undermining human security in the country. Originality/value This study is 100% original and can be assessed through turn it in evaluation.

The sociological imbalance of African immigrant-entrepreneur hampers the growth and progress of their businesses. Therefore, the need to investigate the sociological factors influencing the success of African immigrant-owned micro businesses in Durban, South Africa. The research approach adopted was a cross-sectional field survey with a total of 364 questionnaires distributed to African immigrant-entrepreneurs in Durban with the use of cluster sampling technique. The results of the study revealed that there was a significant strong positive relationship between sociological factors and the success of foreign-owned micro-businesses in Durban. It is therefore recommended that the government should creating an enabling business environment for African Immigrant-Owned Businesses, including the protection of the lives and property of the African immigrants and their micro businesses in Durban and country wide.

The study investigated the contribution of local communities to Zimbabwe tourism destination brand equity through sustainable tourism practices, with a view of developing a model. A comparative investigation of two popular resorts in Zimbabwe which are Victoria Falls and Domboshava Curves was carried out. A sequential mixed method was used to get research data. Results from in-depth interviews showed that sustainable brand equity through community involvement can be developed from the following: maintaining culture; attractive traditional villages; traditional music and dances; unique traditional dressing; provision of indigenous food and drinks; guiding tourists and provision of transport and accommodation. A further survey then produced variables that were used to construct a community based sustainable brand equity model for the study. These variables were then grouped into two that is, household activities and service provision. Household activities included: providing indigenous food and drinks; attractive homesteads; and unique dress code. The service provision was discovered as guiding tourists in their activities and provision of transport. The study then recommended local eco-responsibility, destination manager partner with locals, cultural tourism focus and customisation of sustainable tourism.