Compatibility of Current Technology and Enablers for a Financial Unified Payment System (FUPS) Interface in Botswana
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| Natura: | Recurso digital |
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2026
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| _version_ | 1866901215557713920 |
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| author | Kagiso Phoko, K.V. Ramana Murthy |
| author_facet | Kagiso Phoko, K.V. Ramana Murthy |
| contents | <p>The unified payment system for higher and lower denominations improves financial <br>inclusiveness across large, small and medium-sized Enterprises (SMEs). This paper was guided <br>by the need to investigate the compatibility of current technology and enablers for a Financial <br>Unified Payment System (FUPS) interface in Botswana. The investigation was guided by two <br>basic objectives, namely (1) to identify factors leading to the adoption of a unified payment system <br>and (2) to explore the compatibility of the current technology. The two objectives lead to the 3rd <br>objective of providing recommendations. <br>The secondary data findings revealed that current payment systems in Botswana are <br>compatible and interoperable. There are technical, operational, regulatory and user compatibility <br>considerations. Botswana uses the same technological payment systems used globally, which <br>makes the unified payment systems highly possible. However, a major limitation is the limited <br>internet in rural areas as compared to urban areas. The proliferation of digital payment systems <br>reflects the integrability and interoperability of the unified payment system in Botswana. The <br>payment systems and applications include a wide range of electronic mechanisms such as the <br>online banking platforms, mobile money payments and peer-to-peer transactions.</p> |
| format | Recurso digital |
| id | zenodo_https___doi_org_10_5281_zenodo_18708784 |
| institution | Zenodo |
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| publishDate | 2026 |
| publisher | Zenodo |
| record_format | zenodo |
| spellingShingle | Compatibility of Current Technology and Enablers for a Financial Unified Payment System (FUPS) Interface in Botswana Kagiso Phoko, K.V. Ramana Murthy <p>The unified payment system for higher and lower denominations improves financial <br>inclusiveness across large, small and medium-sized Enterprises (SMEs). This paper was guided <br>by the need to investigate the compatibility of current technology and enablers for a Financial <br>Unified Payment System (FUPS) interface in Botswana. The investigation was guided by two <br>basic objectives, namely (1) to identify factors leading to the adoption of a unified payment system <br>and (2) to explore the compatibility of the current technology. The two objectives lead to the 3rd <br>objective of providing recommendations. <br>The secondary data findings revealed that current payment systems in Botswana are <br>compatible and interoperable. There are technical, operational, regulatory and user compatibility <br>considerations. Botswana uses the same technological payment systems used globally, which <br>makes the unified payment systems highly possible. However, a major limitation is the limited <br>internet in rural areas as compared to urban areas. The proliferation of digital payment systems <br>reflects the integrability and interoperability of the unified payment system in Botswana. The <br>payment systems and applications include a wide range of electronic mechanisms such as the <br>online banking platforms, mobile money payments and peer-to-peer transactions.</p> |
| title | Compatibility of Current Technology and Enablers for a Financial Unified Payment System (FUPS) Interface in Botswana |
| url | https://doi.org/10.5281/zenodo.18708784 |