{"id":9783,"date":"2025-05-21T00:17:44","date_gmt":"2025-05-20T19:17:44","guid":{"rendered":"https:\/\/scholarpublishing.org\/sse\/?p=9783"},"modified":"2025-05-21T00:32:16","modified_gmt":"2025-05-20T19:32:16","slug":"eb367","status":"publish","type":"post","link":"https:\/\/scholarpublishing.org\/sse\/eb367\/","title":{"rendered":"Adoption of Information Systems Engineering Practices in Driving Financial Inclusion in Underbanked Economies &#8211; Opportunities and Challenges in Nigeria"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9783\" class=\"elementor elementor-9783\">\r\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e9e8a6d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e9e8a6d\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19f6d98d\" data-id=\"19f6d98d\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-58c348e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58c348e5\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6aad46aa\" data-id=\"6aad46aa\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25de970f custom-sub-heading elementor-widget elementor-widget-heading\" data-id=\"25de970f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Adoption of Information Systems Engineering Practices in Driving Financial Inclusion in Underbanked Economies - Opportunities and Challenges in Nigeria<\/h2>\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3b5ef6fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b5ef6fd\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-3baec7a4\" data-id=\"3baec7a4\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3206fe4 elementor-widget elementor-widget-text-editor\" data-id=\"3206fe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t\t\t<div class=\"page\" title=\"Page 1\"><div class=\"section\"><div class=\"layoutArea\"><div class=\"column\"><div class=\"page\" title=\"Page 2\"><div class=\"layoutArea\"><div class=\"column\"><div class=\"page\" title=\"Page 1\"><div class=\"section\"><div class=\"layoutArea\"><div class=\"column\"><div class=\"page\" title=\"Page 2\"><div class=\"layoutArea\"><div class=\"column\"><p>Elijah Ailen Omijie<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-5ed281a6 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ed281a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>DOI:<\/strong><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/doi.org\/10.14738\/eb.367.2025\" target=\"_blank\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">https:\/\/doi.org\/10.14738\/eb.367.2025<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-385f937f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"385f937f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">........<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-1300c342 custom-text-justify elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1300c342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Abstract:<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The relevance of financial inclusion has grown in importance globally. Within the past few years, the efforts of different economies to incorporate at least 80% of their population into their national financial system became important. The incorporation of innovative technological solutions and embracing the transformative power of digital advancements, underbanked population in developing economies can speed up achieving financial inclusion, thereby ensuring equal access to financial services for all individuals and communities. This thesis investigates the adoption of Information Systems Engineering (FinTech) practices in driving financial inclusion in the underbanked economies, with a particular focus on Nigeria. The study is structured around four primary objectives. First, it analyzes the capabilities of FinTech solutions in bridging the financial inclusion gap among underbanked populations in developing economies. This analysis explores how FinTech innovations can provide accessible, affordable, and efficient financial services to those traditionally excluded from formal financial systems. Second, the research identifies the challenges and opportunities associated with adopting FinTech for financial inclusion initiatives in underbanked economies. Third, the study explores a successful case study of ISE-driven (FinTech) financial inclusion programs in a developing economy. By examining these case studies, the research identified, best practices, critical success factors, and lessons learned from various underdeveloped economies\u2019 initiatives and successful adoption of Financial Technology in enhancing financial inclusion. Finally, the thesis proposes recommendations for policymakers, financial institutions, and technology providers aimed at enhancing the effectiveness of Information Systems Engineering in promoting financial inclusion. Through a comprehensive analysis of the opportunities, challenges, and case studies, this thesis provides a tailored technology design approach as recommendation of what needs to be done technologically to further enroll the underbanked populations into the formal financial system. The findings and recommendations are intended to guide stakeholders in developing effective strategies to harness FinTech for inclusive economic development. Keywords: Information Systems Engineering (ISE), FinTech, Financial Inclusion (FI), SDLC, blockchain, Underbanked, Developing Economies, Nigeria.<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4cc466a3\" data-id=\"4cc466a3\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-308250a2 img-thumbnail elementor-widget elementor-widget-image\" data-id=\"308250a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"242\" height=\"300\" 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class=\"elementor-icon-list-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Copyright (c) 2025 Elijah Ailen Omijie<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-7e6c881c dropdown-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7e6c881c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\r\n\t\t\t<span class=\"elementor-divider-separator\">\r\n\t\t\t\t\t\t<\/span>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-482a0a17 custom-sub-heading elementor-widget elementor-widget-heading\" data-id=\"482a0a17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">License<\/h5>\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-3f1b49ed elementor-widget elementor-widget-text-editor\" data-id=\"3f1b49ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t\t\t<p>This work is licensed under a\u00a0<a href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"license\">Creative Commons Attribution 4.0 International License<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-23278f9c dropdown-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23278f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\r\n\t\t\t<span class=\"elementor-divider-separator\">\r\n\t\t\t\t\t\t<\/span>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t<\/div>\r\n\t\t","protected":false},"excerpt":{"rendered":"<p>The study investigated the environment surrounding refugees\u2019 access to humanitarian assistance which tends to suffocate the spirit of the Uganda Refugee Act of 2006 under Article 30 which allows freedom of movement for refugees in the 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