Fergal Liam Carton

• PhD
• Lecturer at University College Cork

This paper conceptualises the role of data science in increasing financial inclusion by juxtaposing the AI and ML capabilities of service providers with access to consumer data to create mutually beneficial services. Leveraging research on the co-creation of value in financial services, and its intersection with reciprocal big data value creation,...

This paper draws on qualitative and quantitative data from social housing tenants in Ireland, exploring how the subjective experience of financial well-being can be understood, and correlating this experience to behavioural and contextual factors. The findings suggest that despite working within tight budgeting constraints, residents are self-disci...

This paper draws on quantitative and qualitative research from social housing tenants in Ireland, exploring the relationship between digital access to financial resources and financial well-being. We find that using the mobile phone to check a bank balance is associated with decisions around financial commitments (not running out) and resilience (h...

This research report examines access to and use of mainstream and alternative financial services by social housing residents in Ireland, with a focus on savings and credit. It examines dimensions of financial exclusion/inclusion, financial capability and the importance of social connections.

The potential of Health Information Technology (HIT) to increase the quality of healthcare delivery is well documented but improvements can be hindered if physicians and nurses resist HIT. However, the technology is still facing resistance. The literature suggests that user resistance to HIT is predicated on their perception of its impact. However,...

Health information technology (HIT) can improve the quality of healthcare, but improvements are likely to be hindered if physicians and nurses resist HIT. In response, this study investigates the antecedents of the perceived threats to HIT and user resistance by examining the organisational factors, the personal traits of users, HIT-related factors...

Big Data promises benefits for society as well as business. Do policy makers know how best to use this scale of data driven decision-making in an effective way for citizens? Citizen participation is portrayed in literature as a key component in policy decision-making. Yet, this decision-making process to date is often driven by other stakeholders s...

With an increased emphasis on cost reduction and device agnosticism, Chief Information Officers (CIOs) increasingly struggle to justify investments in technology, typically lacking a vision linking those investments (in applications, infrastructure or integration) with value to business decision makers. Without guidance from a proper model of custo...

An organisation that has a robust customer interaction approach can develop a more holistic understanding of its customers. This insight is crucial for reducing related uncertainty in management decision-making. Understanding of the customer is a basic tenet for supporting decision makers in taking the right decisions. The objective of this literat...

The self is increasingly digitised, manifesting as a number of identities, accounts or profiles related to engagement with social, public and commercial services. These identities are multiplied across the civic, social, commercial, professional and personal contexts of their use, and the vulnerabilities of this atomised citizen are not well unders...

Introduction: CIMULACT stands for ‘Citizen and Multi-Actor Consultation on Horizon 2020’. The project engages more than 1000 citizens, and a variety of other actors, across 30 countries in Europe to shape a desirable and sustainable future. In a highly participatory process, the project will provide a unique contribution to European research and in...

Advances in mobile technology and the shift from product-based economies to service-based economies are forcing companies to create new value propositions which inevitably impact the design of their business model. In response, companies are seeking new approaches to adapt to this ever changing complex environment. Design thinking is increasingly b...

Over the past decade, the mobile payment (m-payment) phenomenon has been approached by researchers from diverse backgrounds, each providing a new perspective to this complex topic. Yet, the search for a universal m-payment solution remains elusive. The authors have adopted a design science research approach as it is a problem solving research parad...

International development policies inevitably encounter a conflict in their implementation, representing the gap between universal goals and grass-roots practice. The aim of this study was to explore and understand the significance of this gap, and to apply knowledge management principles as a lens to suggest bridging solutions. The research focuse...

The pervasive use of mobile technologies has challenged how organisations can achieve competitive advantage when designing innovative business models which can deliver a compelling value proposition to the end consumer. It is widely accepted that business model innovation plays an essential role to achieve competitive advantage. The potential benef...

Over the past decade, the mobile payment (m-payment) phenomenon has been approached by researchers from diverse backgrounds, each providing a new perspective to this complex topic. Yet, the search for a universal m-payment solution remains elusive. The authors have adopted a design science research approach as it is a problem solving research parad...

As the delivery of an m-payment solution requires the collaboration of multiple stakeholders, each bringing their own expertise, motivations and expectations, partnership management has emerged as an influencing factor in determining the successful delivery of an m-payment solution. The purpose of this research is to represent the activities and d...

The provision of mobile phoned based payments (m-payments) services to the general public requires the cooperation of a number of specific stakeholders, each contributing part of the overall solution, but also each with their different motives, resources and capabilities to deliver compelling value propositions to consumers. The need to combine the...

This paper derives a theoretical framework for consideration of both the technologically driven dimensions of mobile payment solutions, and the associated value proposition for customers. Banks promote traditional payment instruments whose value proposition is the management of risk for both consumers and merchants. These instruments are centralise...

Researching the impact of ERP systems on management decision making is hampered by the intermingling of organisational factors and system configuration related choices. An observed impact may be a result of a system driven constraint, an implementation choice or a process exception linked to a business constraint. In the analysis of interpretive da...

This chapter considers the problems in providing real-time decision ­support to managers using our observations of the distribution process in a case study of a multinational manufacturing firm. This firm is characterised by its ­reliance on an ERP (enterprise resource planning) package for transaction ­processing, but is also known for its use of...

Payment systems are on the cusp of being revolutionised by the advent of ubiquitous computing. The smartphone is capable of bridging the gap between traditional and new payment instruments, supporting on demand purchase and payment processes in a manner heretofore not conceivable. The transition to mobile phone driven payment processes has been slo...

The question of integration of information systems (IS) into the planning and execution of operational activities has been the focus for researchers from different constituencies. Organisational theorists recognise the need for integrating mechanisms for co-ordinating the actions of sub-units within an organisation. Centralisation has been seen as...

Previous research has illustrated the difficulty in understanding and let alone predicting, the impact of new technologies on the work of managers, e.g. their decision making. The breadth of functionality and level of integration in ERP implementations means that research on the impact on organizations is particularly difficult to conduct without l...

One of the most underestimated aspects of the study of ERP implementations is the difficulty in anticipating, assessing and even understanding the impact of these highly integrated applications on organisations. Our chapter reports on two extensive studies of ERP implementations which focused on analysing the details of the changes, both direct and...

Companies have been investing in integrated enterprise applications (such as ERP) for over a decade, without firm evidence of a return from these investments. Much research has centred on the factors which will lead to a successful implementation project (eg: Holland and Light, 1999; Shanks and Seddon, 2000), but to date there appears to be little...

Multinational companies faced with an uncertain world are notorious for centralising control of their far flung empires to the extent that local decision making becomes a matter of managers merely executing orders rather than showing creativity or initiative in solving issues. Control can be best exerted by standardising processes and centralising...

Cet article présente une étude de cas de SIT ltd, une entreprise multinationale de grande taille qui opère dans un secteur très dynamique et dont les manageurs ont besoin des flux d’informations très sûrs et très rapides pour prendre leurs décisions quasiment en temps réel. En 2005, face à une explosion des ventes et à la diversification de ses pro...

Purpose The success rate of enterprise resource planning (ERP) implementations is not high in view of the sums invested by organisations in these applications. It has often been indicated that a combination of inadequate preparedness and inappropriate project management have been responsible for the low‐success rate of ERP implementations. The purp...

ERP applications have been proposed as a solution to many operational problems facing modern organisations. In addition, ERP implementations support decision makers by making key data visible for managers in a timely fashion, whether that data originates from within the organisation or from business partners and customers. The price of this visibil...

An underestimated aspect of the study of ERP implementations is the longer term impact of these highly integrated applications on the way that managers work. This paper reports on the changes to managerial decision processes arising from an ERP implementation four years prior to the study. Using the managers’ own description of their goals as a len...

The provision of timely, accurate, relevant and concise information for managerial decision making has traditionally represented a challenge to information systems designers. Although greater system integration has meant that there is more operational information available to managers than ever before, the managers ongoing requirements to understan...

Multinational companies faced with an uncertain world are notorious for centralising control of their far flung empires to the extent that local decision making becomes a matter of managers merely executing orders rather than showing creativity or initiative in solving issues. Control can be best exerted by standardising processes and centralising...

Companies have been investing in integrated enterprise applications (such as ERP) for over a decade, without firm evidence of a return from these investments. Much research has centered on the factors which will lead to a successful implementation project (eg: Holland and Light, 1999; Shanks and Seddon, 2000), but to date there appears to be little...

ERP systems are primarily intended to automate routine tasks at the operational level. Managing the day to day movements of key corporate resources (such as inventory, customers, orders and suppliers), there appears to be little basis for exploring the limitations of ERP systems as DSS as each belongs to a different category of information systems....

The provision of timely, accurate, relevant, and concise information for managerial decision making has traditionally represented a challenge to information systems designers. The mass adoption of enterprise resource planning (ERP) systems has multiplied the amount of data being recorded about the movement of inventory in the supply chain. However,...

Enterprise systems have been widely sold on the basis that they reduce costs through process efficiency and enhance decision making by providing accurate and timely enterprise wide information. Although research shows that operational efficiencies can be achieved, ERP systems are notoriously poor at delivering management information in a form that...

The paper explores the recursive elements of the market for enterprise systems by examining the evolution of the sales discourse from vendors of enterprise applications. Enterprise systems are continually sold and implemented on the basis that greater integration of the modules supporting business functions is a good thing. In this paper we questio...

Enterprise systems have been widely sold on the basis that they reduce costs through process efficiency and enhance decision making by providing accurate and timely enterprise wide information. Although research shows that operational efficiencies can be achieved, ERP systems are notoriously poor at delivering management information in a form that...

The track record of ERP implementations over the last decade is poor with many reports of firms either failing to implement ERP or failing to achieve expected benefits. In this paper, we investigate whether traditional project management techniques are, in fact, unsuitable for ERP projects and whether the problems encountered in ERP implementations...

This paper presents the first stage of a larger research project focusing on understanding the emergence of ERP II. ERP is now being seen for what it really is: ‘a means to an end’, in that, its primary benefit is in the integrated infrastructure that it introduces and its ability to support future IS investments. The paper focuses on the changes t...

Large organisations, in particular multi-national corporations, have been at the forefront of the ERP movement since its origins. They have used these highly integrated systems as a way to achieve greater levels of standardisation of business processes across sites and greater centralisation of IT resources. The most common scenario for an ERP impl...

The need for an integrated enterprise-wide set of management information pronounced Data Warehousing the 'hot topic' of the early-to-mid 1990's, however, it became unfashionable through the mid-to-late 1990s, with the approach of Y2K and with it the widespread implementation of ERP systems. However, in recent times, the re-emergence of Data Warehou...

Many firms have shifted their information technology (IT) strategy from developing information systems in-house to purchasing package applications such as enterprise resource planning (ERP) systems. For multi-national firms this has also meant a move away from decentralised solutions and support and back to a more centralised model. In an attempt...

This paper derives a theoretical framework for consideration of both the technologically driven dimensions of mobile payment solutions, and the associated value proposition for customers. Banks promote traditional payment instruments whose value proposition is the management of risk for both consumers and merchants. These instruments are centralise...