Digital Dividends for All: The Role of PalmPay and Blockchain in Supporting Inclusive and Green Marketing in Iringa Municipal

Digital Technologies Research and Applications

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Digital Dividends for All: The Role of PalmPay and Blockchain in Supporting Inclusive and Green Marketing in Iringa Municipal

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https://doi.org/10.54963/dtra.v4i3.1495
Kibona, L. (2025). Digital Dividends for All: The Role of PalmPay and Blockchain in Supporting Inclusive and Green Marketing in Iringa Municipal. Digital Technologies Research and Applications, 4(3), 174–194. https://doi.org/10.54963/dtra.v4i3.1495
Volume 4 Issue 3: December 2025 (In Progress)
Copyright (c) 2025 Lusekelo Kibona
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Digital Technologies Research and Applications (DTRA)  publishes accepted manuscripts under Creative Commons Attribution 4.0 International (CC BY 4.0). Authors who submit their papers for publication by DTRA agree to have the CC BY 4.0 license applied to their work, and that anyone is allowed to reuse the article or part of it free of charge for any purpose, including commercial use. As long as the author and original source are properly cited, anyone may copy, redistribute, reuse, and transform the content.

Authors

  • Lusekelo Kibona

    Department of Computer Science, Ruaha Catholic University, Iringa 255, Tanzania

Received: 21 August 2025; Revised: 29 October 2025; Accepted: 3 November 2025; Published: 26 November 2025

In an era defined by rapid digital transformation and growing environmental concerns, the convergence of financial technology and sustainable development goals has created new pathways for inclusive and green marketing. In sub-Saharan Africa, particularly in underserved regions like Iringa Municipal in Tanzania, the digital economy presents opportunities for equitable growth. As mobile financial services expand, tools such as PalmPay, a mobile money platform, and blockchain technology, a decentralized ledger system, have emerged as key instruments for enhancing access, transparency, and sustainability in economic transactions. This study explored how PalmPay and blockchain contribute to inclusive and sustainable marketing strategies among underserved populations in Iringa Municipal. Using a sample of 45 respondents, it examined three dimensions: PalmPay’s role in facilitating inclusive marketing, blockchain’s impact on transparency and trust in green marketing, and challenges and opportunities in integrating these tools. Results showed that most respondents viewed PalmPay as highly effective in improving accessibility, enabling digital transactions, and promoting financial inclusion through local agents. Blockchain was also recognized for verifying sustainability claims and enhancing transparency in marketing, thereby strengthening consumer trust in eco-conscious purchases. Nonetheless, challenges such as digital illiteracy, infrastructural limitations, and perceived risks hindered adoption. Despite these barriers, respondents identified opportunities in community-based training, innovation scaling, and strategic partnerships to enhance uptake. The findings provide valuable insights into how financial technology and decentralized systems can empower marginalized communities, reinforce trust in sustainable branding, and promote inclusive participation in the digital economy.

Keywords:

PalmPay Blockchain Inclusive Marketing Digital Literacy Green Marketing Digital Transactions Underserved Populations

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