Nearly half the adult population in developing nations lacks a formal bank account and other financial services. Ghana is no exception, having a massive community of unbanked adults and among those countries positioned at the bottom of the spectrum of financial inclusion. The advent of mobile financial services (MFS) claims an alternative mode to…

Many entrepreneurs and small business owners lack disaster recovery plans, which minimize business disruptions caused by failures of critical technical systems. Typically, technology is not the main focus for a small business owner, as most of their time is spent focused on business operations. This case study demonstrates that when a business…

Steganography is the art and science of concealing communication. The goal of steganography is to hide the very existence of information exchange by embedding messages into unsuspicious digital media covers. Cryptography, or secret writing, is the study of the methods of encryption, decryption and their use in communications protocols.…