results
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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 …
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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…
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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 …
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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…
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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…
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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…
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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…
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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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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…
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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…
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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…
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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…
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Using a two-period panel comprising firm-level data from the 2007 and 2013 World Bank Enterprise Surveys, this paper investigates the impact of mobile money use on bribe payments in Kenya. Results based on a matched difference in-differences estimat…
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Using a two-period panel comprising firm-level data from the 2007 and 2013 World Bank Enterprise Surveys, this paper investigates the impact of mobile money use on bribe payments in Kenya. Results based on a matched difference in-differences estimat…
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This paper evaluates the appropriateness of the tax policymaking process that led to the introduction, and the later adaptation, of a tax on mobile money transactions in Uganda in 2018. We examine the unusual source of the proposal, how this particu…
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Mobile money is widely seen as a powerful tool for enhancing financial inclusion and, potentially, improving the economic well-being of the poor. As the mobile money sector, and its turnover, have grown, certain governments have increasingly viewed …
Publication
Using a two-period panel comprising firm-level data from the 2007 and 2013 World Bank Enterprise Surveys, this paper investigates the impact of mobile money use on bribe payments in Kenya. Results based on a matched difference-in-differences estimat…
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