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A Pathway to Financial Inclusion: Mobile Money and Individual Savings in Uganda

A micro perspective is provided in this study on the impact that mobile money services have on an individual’s saving behavior using 2013 Uganda FinScope data. The results reveals that although saving through mobile phones is not a common practice …

Facilitating Financial Inclusion through Promoting the use of Mobile Money as a Saving Avenue

Mobile money has gained so much prominence in the developing world in recent times due to its potential to bring on board the financially excluded people in the rural areas and transform the mainly cash economies of developing countries into a cashl…

Understanding what is Happening in ICT in Kenya: A Supply- and Demand-side Analysis of the ICT Sector

The purpose of this RIA ICT SPR, as with the other 11 national SPRs conducted by RIA network researchers in 2012, is to enrich the evidence base supporting ICT sector developments in selected African countries – in order to better enable comparison …

Exploring Fintech Solutions for Women

New digital technologies are revolutionizing the financial services industry around the world. Africa has been an innovation hub in this area, due to its rapid adoption of mobile communication networks. How might the explosion of fintech platforms…

Despite Recent Banking Shake-up, Ghanaians Still See Banks as their Safest Options

Ghana’s banking sector is the second-largest in the West African Monetary Zone and recorded a 33.9% increase in total assets between June 2016 (GHS 66.29 billion) and June 2018 (GHS 100.35 billion). But during the past two years, the country’s finan…

Combining Financial-literacy Training and Text-message Reminders to Influence Mobile-money Use and Financial Behavior among Members of Village Savings and Loan Associations: Experimental Evidence from Malawi

Mobile money is increasingly promoted as a strategy to improve financial outcomes and livelihoods in low-income countries. However, its adoption and use among the poor remains low. We exploited a randomized experiment that exposed members of Village…

Information, Price, and Barriers to Adoption and Usage of Mobile Money: Evidence from a Field Experiment in the Gambia

Mobile money has been heralded as a way to foster financial inclusion. While it has become popular in developing countries, most notably in African nations, there are still strong barriers to its adoption and usage. The purpose of this study is to e…

Financial Inclusion in Eswatini: What is Driving the Adoption of Mobile Money?

Mobile money has gained increasing importance and prominence in many sub-Saharan African countries and as a result, it is seen as a possible key to fast-tracking financial inclusion in developing countries including Eswatini. Although financial incl…

Promoting Mobile Money Use through Training and Text-messages in Malawi

The financial inclusion rate in Malawi is low. In 2017, only 34% of adults had a bank account and only 21% had activated a mobile-money account. In low-income countries like Malawi, mobile money is increasingly promoted as a strategy to increase fin…

Financial Inclusion through Mobile Money: An Examination of the Decision to use Mobile Money Accounts in WAEMU Countries

This study examines whether due to the influence of the penetration of financial intermediaries in WAEMU, the characteristics of individuals who hold mobile money accounts solely are comparable to those of individuals who hold formal bank accounts s…

Financial Inclusion through Mobile Money: An Examination of the Decision to use Mobile Money Accounts in WAEMU Countries - Policy Brief

This study examines whether due to the influence of the penetration of financial intermediaries in West African Economic and Monetary Union (WAEMU) countries, the characteristics of individuals who hold mobile money accounts solely, are comparable t…

Gender Disparities in Financial Inclusion in Tanzania

Although Tanzania has made notable progress in enhancing access to financial services, the gender gap in financial inclusion persists. This paper examines gender disparities in financial inclusion in Tanzania using descriptive and regression analyse…

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