Law, mobile money drivers and mobile money innovations in developing countries

S. Asongu, Peter Agyemang-Mintah, R. Nting
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引用次数: 13

Abstract

Abstract This study investigates how the rule of law (i.e. law) modulates demand- and supply-side drivers of mobile money to influence mobile money innovations (i.e. mobile money accounts, the mobile phone used to send money and the mobile phone used to receive money) in developing countries. The following findings from Tobit regressions are established. First, from the demand-side linkages, law modulates: (i) bank accounts and automated teller machine (ATM) penetration for negative interactive relationships with mobile money innovations and (ii) bank sector concentration for a positive interactive relationship with mobile money accounts. Second, from supply-side linkages, law interacts with: (i) mobile subscriptions for a negative relationship with the mobile phone used to send money; (ii) mobile connectivity coverage for a negative nexus on the mobile phone used to receive money and (iii) mobile connectivity performance for a negative influence on the mobile phone used to send/receive money. Policy implications are discussed in the light of enhancing the rule of law as well as improving mobile phone subscription, connectivity and performance dynamics.
法律、移动货币驱动因素和发展中国家的移动货币创新
本研究探讨了法治(即法律)如何调节移动货币的需求侧和供给侧驱动因素,从而影响发展中国家的移动货币创新(即移动货币账户,用于汇款和收款的手机)。以下是托比特回归的结果。首先,从需求侧联系来看,法律调节:(i)银行账户和自动柜员机(ATM)渗透与移动货币创新的负面互动关系,以及(ii)银行部门集中度与移动货币账户的积极互动关系。其次,从供给侧联系来看,法律与:(i)移动订阅与用于汇款的移动电话呈负相关;(二)移动连接覆盖范围对用于收钱的移动电话产生负面影响;(三)移动连接性能对用于收/发钱的移动电话产生负面影响。在加强法治以及改善移动电话订阅、连接和性能动态方面,讨论了政策影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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