GTAP Resources: Resource Display
| GTAP Resource #7582 |
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"Mobile banking and financial inclusion in sub-Saharan Africa: Cost versus geographical constraints" by Epo, Boniface Ngah, William Mougnol and Yvan Audrey Kamdem Abstract This paper analyses the relationship between the diffusion of mobile banking in sub-Saharan Africa (SSA) and the barriers to financial inclusion. We use a 2017 cross-sectional data for thirty-five countries in sub-Saharan Africa gotten from the World Bank and the International Monetary Fund to appraise the effect of financial inclusion barriers/constraints associated with cost and those linked to geography using a multiple linear regression model. Running ordinary and generalized least square estimates, as well as both a Jacknife and bootstrap resampling techniques to check the robustness, we find a positive and statistically significant relationship between the diffusion of mobile banking in terms of access and usage with the different indicators of cost and geographical constraints to financial inclusion. These results posit that in SSA, cost and geographical financial inclusion constraints have encouraged the adoption as well as diffusion of mobile banking as an alternative channel for access and use of financial services for the most vulnerable, especially the poorest 40th percentile and those living in remote areas. |
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- Other data bases and data issues - Technological change - Africa (Central) - Africa (East) - Africa (Southern) - Africa (West) |
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Public Access  GTAP Resource 7582 (337.8 KB) Replicated: 0 time(s)Restricted Access No documents have been attached. Special Instructions No instructions have been specified. |
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Last Modified: 9/15/2023 2:05:45 PM
