Mobile payment technology has aided in socio-economic development through financial inclusion and protective security during crises. However, there is a gap in understanding whether this technology has the potential for sustainable development that encompasses individual emancipation and environmental growth beyond social and economic change. To evaluate mobile payments role in sustainable human-centric development, we develop a framework based on the theories by two influential development economists—Schumacher and Sen (Schumacher 2011; Sen 2001). The framework includes features like the low-cost technology, easy implementation and operability, usefulness to local people, and scope for creative appropriation. We conducted an in-depth field study through interviews with merchants and consumers to evaluate the framework. We triangulate our findings with publicly available secondary survey data. Our findings indicate that along with the features like low-cost, easy installation and operability, users reported that the mobile payment technology, unlike cash transactions, can also afford creative uses such as reflection on past expenses. The paper contributes to the field of ICT4D with the framework that can be used by future studies. The investigation reveals developmental implications towards the need for greater inclusion of local small-scale vendors.

中文翻译：

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移动支付技术在可持续发展和以人为本的发展中的作用：来自印度后非货币化时期的证据

移动支付技术通过在危机期间实现金融包容性和保护性安全，有助于社会经济发展。但是，在了解该技术是否具有可持续发展潜力方面存在差距，这种潜力涵盖了除社会和经济变化之外的个人解放和环境增长。为了评估移动支付在以人为中心的可持续发展中的作用，我们根据两位有影响力的发展经济学家舒马赫和森的理论开发了一个框架（舒马赫，2011；森，2001）。该框架包括低成本技术，易于实施和可操作性，对当地人民有用以及创造性拨款的范围等功能。我们通过与商人和消费者的访谈进行了深入的现场研究，以评估框架。我们用可公开获得的二次调查数据对发现进行了三角划分。我们的发现表明，除了低成本，易于安装和可操作性之类的功能外，用户还报告说，与现金交易不同，移动支付技术还可以提供创造性的用途，例如对过去的费用进行反思。本文为ICT4D领域做出了贡献，其框架可供将来的研究使用。调查表明，发展趋势意味着需要更多地纳入本地小规模供应商。本文为ICT4D领域做出了贡献，其框架可供将来的研究使用。调查表明，发展趋势意味着需要更多地纳入本地小规模供应商。本文为ICT4D领域做出了贡献，其框架可供将来的研究使用。调查表明，发展趋势意味着需要更多地纳入本地小规模供应商。